Most organisations are trying to make the supply side more efficient. The Academy is helping the demand side become more capable. For decades, innovation in financial planning has focused on improving the supply side of the market: better platforms, better products, better regulation, better adviser technology and, more recently, AI for advisers. The Academy of … Continue reading Don’t Fix the Supply Side. Empower the Demand Side.
Tag: total-wealth-planning
When Clients Arrive Having Already Asked ChatGPT, the Advice Model Has Already Changed
Advisers Are Talking About Cutting Fees. The Bigger Story Is Why. A recent Citywire interview with Ian Else carried a headline that should make every financial planner stop and think: "I'm looking at cutting my advice fees because of AI." It's a rational response. If AI reduces the time it takes to research, analyse, write … Continue reading When Clients Arrive Having Already Asked ChatGPT, the Advice Model Has Already Changed
The FCA Is Shutting Down Investment Scams. But What Happens Before You Invest?
2,329 FCA Scam Warnings... But Would You Spot the Next One? The Financial Conduct Authority has published its latest Annual Report, highlighting a significant crackdown on investment crime. During the past year alone, the regulator issued more than 2,300 warnings about unauthorised or potentially fraudulent firms, secured criminal convictions for insider dealing and money laundering, … Continue reading The FCA Is Shutting Down Investment Scams. But What Happens Before You Invest?
Why Better Financial Decisions Begin with Better Questions
Why Better Financial Decisions Begin with Better Questions The latest Navigator™ update brings financial planning one step closer to real life. For decades, financial planning software has been built primarily for professionals. Most tools were designed to help advisers produce forecasts, reports and recommendations. They were never really intended to help individuals understand their own … Continue reading Why Better Financial Decisions Begin with Better Questions
Another Adviser Firm Walks Away from SJP. Coincidence—or the Start of a Structural Shift?
Another advice firm has chosen to leave St. James's Place. SRB Financial Planning, a business responsible for approximately £250 million of client assets, has joined Quilter Financial Planning after reviewing its future strategic options. The firm said it selected Quilter for its greater investment flexibility, technology, operational support and broader platform. The move adds to … Continue reading Another Adviser Firm Walks Away from SJP. Coincidence—or the Start of a Structural Shift?
From AI User to Total Wealth Planner: A Different Kind of Client Journey
What happened when one person spent weeks exploring Academy OS before asking for human support. For years, I've argued that artificial intelligence won't eliminate the need for financial planners. Instead, I believe it will change when people seek support, why they seek it, and what they expect from the conversation. Recently, I saw that theory … Continue reading From AI User to Total Wealth Planner: A Different Kind of Client Journey
UBS Sees AI Disrupting Financial Advice. We See Something Even Bigger.
For years, discussions about artificial intelligence in financial planning have centred on one question: How will AI affect financial advisers? A new analyst note from UBS, reported by Citywire, suggests that question is no longer theoretical. UBS has accelerated its assumptions about AI disruption, bringing forward the point at which it expects AI to affect … Continue reading UBS Sees AI Disrupting Financial Advice. We See Something Even Bigger.
The Missing Piece in the Mills Review: What Does a Public-Interest AI Financial Capability Service Actually Look Like?
"The question is no longer whether to allow AI, it is who is AI going to serve?... the answer must be citizens."— Sheldon Mills, AI and the Future of Retail Financial Services (2026) The publication of the Mills Review marks an important moment in the evolution of financial services. For the first time, a major … Continue reading The Missing Piece in the Mills Review: What Does a Public-Interest AI Financial Capability Service Actually Look Like?
Why Total Wealth Planning Could Be the Highest Return on Investment You Ever Make
People often ask whether they can justify spending time on Total Wealth Planning. I think they're asking the wrong question. The real question is this: What is the financial cost of not doing it? For decades, financial planning has often been presented as something that helps people "live a better life." That's true. But it … Continue reading Why Total Wealth Planning Could Be the Highest Return on Investment You Ever Make
From the Advice Gap to the Agency Gap
Why the FCA's AI Review could transform financial planning—if we put citizens first For more than two decades, policymakers have talked about the advice gap. Millions of people cannot afford regulated financial advice, do not qualify for it, or simply choose not to use it. The result has been a familiar debate. Should advice become … Continue reading From the Advice Gap to the Agency Gap
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