Description

1. Why Life Planning Should Come Before Financial Planning

• Why you need to understand the life you want to create before deciding how your money should support it.
• Using a lifetime cash flow plan to identify future liabilities and the assets needed to fund them.

2. Looking Beyond Investments to Understand Total Wealth

• Why traditional financial planning can focus too heavily on regulated investments rather than the full picture of someone's wealth.
• Looking at property, pensions, savings, investments and future earnings as part of a wider wealth plan.

3. The Overlooked Value of Human Capital

• Understanding human capital as the skills, property, intellectual property, networks and other assets that can generate earnings.
• How leveraging human capital can create entrepreneurial opportunities, income and financial capital over time.

4. Taking Back Control Through Financial Agency

• What Steve means by financial agency and why people should have greater ownership of their financial decisions.
• How proportional planning can provide expert support during complexity, stress or major life changes without creating permanent dependency.

5. How AI Could Change Financial Planning

• Why AI is reducing the information gap between financial institutions and consumers.
• How individuals can use AI as a co-pilot to improve their financial capability and productivity while retaining human judgement.

6. Understanding Fees and Making Better Financial Decisions

• Why consumers should take a closer look at the charges attached to pensions, investments and financial products.
• How AI-powered tools could help people identify hidden terms, charges and potential red flags so they can make more informed decisions.

7. The Future of Financial Advice and Wealth Transfer

• How changing consumer expectations, technology and the Great Wealth Transfer could reshape the traditional financial advice model.
• Why greater financial capability, combined with professional support when genuinely needed, could give future generations more control over their wealth.

Resources:

• The Academy of Life Planning - Navigate life with confidence
• WealthBuilders - Build, protect and transfer your wealth
• WealthBuilders Membership: Free access to guides, webinars, and community

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Next Steps On Your WealthBuilding Journey:  

• Join the WealthBuilders Facebook Community
• Schedule a 1:1 call with one of our team
• Become a member of WealthBuilders

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