🧇 The Weekly Waffle – September 13th, 2024 📅

Professionals chatting about financial planning.

Story of the Week

 

🔍 Curious about the fine line between generic financial planning advice and FCA-regulated advice? 🚧 Discover how understanding this boundary can empower you to navigate your financial future with confidence! 💡✨ Click here to learn more and avoid the pitfalls.🌟👉 Read more. 😅

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Steve Conley

Steve Conley: Editor, The Weekly Waffle

 

🌅 Good morning! Today, we're diving into what non-regulated advice really means, why choosing the right professional body matters for your financial journey, and the vital role human capital development plays in securing your future. 💼💡 Ready to get started? Explore these key insights and set yourself up for success!

 

[Steve is the author of 👉 Your Money or Your Life]

 

Top Stories

 
1. 💡 With 51% prioritising physical longevity and only 9% focusing on financial longevity, it's clear the real priority shouldn’t be a Pensions Awareness Week—it should be a Human Capital Development Week. 🌱 Here's why investing in yourself is the key to long-term security and wellbeing. Click here to learn more!👈 2. 📉📈 Markets are wild again, and it's natural to feel worried! But instead of rushing to advisers and handing over a chunk of your profits just to hear "do nothing," let's talk about a smarter way. 🌟 Stay calm, think long-term, and realise that self-efficacy is the real secret to financial success. Ready to take control and shape your own future? 💪 Click here to find out how! 👈 3. 💡 Let’s clear up the confusion: financial planning and financial advice are not the same. If you're looking to build a career as a true financial planner—not a product salesman—there's only one path to professional qualification. 🎓 Want to know which route to take? Click here and get started on your journey!👈 4. 🚶♂️ Navigating the exit from a regulated environment can feel like tiptoeing through a minefield—complex and full of challenges. But what if there’s a way to keep offering valuable guidance without the burden of regulation? 💼 Discover how you can stay in the game and make a real impact—without the extra weight. Click here to learn more!👈 5. 🎓 While the Government and the financial industry focus on the future burden of pensioners on taxpayers, a much bigger issue is being overlooked—the growing mental health crisis among university graduates, leading to a rise in long-term sickness and disability claims. 🧠 It’s time to shine a light on this critical challenge and explore real solutions. Click here to learn more and be part of the change!👈
 

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1. 💼 The Payment Systems Regulator (PSR) has done a complete U-turn, to the joy of banks and the frustration of scam victims. After promising bold protections with a £415,000 reimbursement cap for APP fraud, they’ve caved to pressure from the banking elite and reduced it to just £85,000. A big win—for the banks, anyway. 💸 Let’s dive into what this really means and how you can stay protected.👈 2. 💼 The FCA, tasked with keeping financial firms in line, is leaking cash like a sieve! If an authorised firm were losing money like this, its permissions would likely be cut faster than you could say “financial resilience test.” 🔍 Find out what’s going on and why it matters to you.👈
Payment Service Regulator u-turn on compensation limits.
 

A Closer Look

The 8-fold path

💡 At the Academy of Life Planning, we’re offering something far better than a “get-rich-quick” scheme. It’s called the GAME Plan—think of it as the Eightfold Path for your financial wellbeing, without the robes and chanting. 🧘‍♂️ Ready to create a sustainable, abundant future? Click here to start your journey!🌟👉 Read more. 📈😅

Economically active grandparents.

🎉 Did you know? In the UK, Grandparents' Day is celebrated on the first Sunday of October—a perfect time to honour the love, wisdom, and contributions of grandparents everywhere. 🌟 First introduced by Age Concern in 1990, this day is a reminder to cherish the invaluable role they play in our lives and communities. As we live longer, healthier lives, there’s so much potential for older generations to stay active, engaged, and connected with purpose. 🌱 Let’s celebrate their incredible impact this October 6th!🌟👉 Read more. 📈😅

Finding lost pensions.

🚨 Counting on an inheritance to solve all your financial worries? 🚨 You might want to reconsider! 🤔💸 A quarter of Brits are delaying major life plans, hoping for that windfall, and over a quarter of them end up with less than they expected. Surprised? We’re not. 🙄 But why wait for something uncertain when you could start building your own financial security today? 💪🏼 Stop dreaming about an inheritance that may never come—take control of your future now!🌟👉 Read more. 📈😅

Fin Life Coach

💡 A massive 58% of savers are leaving their money where they hold their current account—earning next to nothing while the banks profit. If you’re ready to make your savings do more than just sit there, it’s time to check out the Deposit Sense Report. 🧠📊 Our Financial Life Coach will compare the best rates and show you how to make your money work for you. Ready to start maximising your savings? Click here to learn more!🌟👉 Read more. 📈😅

 

Business start up dreams.

🌟 Ever dreamt of running your own business from home? 🌟 Now’s your chance! 💼✨ With the Academy of Life Planning’s Business in a Box, starting your own holistic financial planning business has never been easier. 💡 You’ll get everything you need—from personalised training to your very own website—all done for you! 🚀 Ready to take the leap and grow a successful business? Click here to get started!🌟👉 Read more. 📈😅

 

wealth managers and savings

💸 Ever wonder why wealth managers are so eager to "help" you invest your savings? Spoiler: it’s not just out of kindness. 🧐 While they eye up your savings, dreaming of bigger fees, they’re more than happy to claim it’s "for your benefit." How thoughtful, right? 🙄 Let’s talk about how you can take control of your money without falling for these tricks. 🌟👉 Read more. 📈😅

 

The financial life coach.

😏 Oh, the irony… A financial adviser criticising pseudo-life coaches while clearly missing the mark on real financial planning or coaching! 🧐 It’s like someone lecturing a chef on cooking while burning toast. 🍞🔥 In my latest article, I unpack how some advisers, caught up in sales pitches, completely overlook the real purpose of financial planning—building plans based on meaningful values, not just rehashing clichés like "money doesn’t buy happiness." 💼💡 Ready to see what they’re missing? Click here to dive in!🌟👉 Read more. 📈😅

 

Financial education in schools.

🚨 Is “Free” Financial Education in Schools Really a Generous Gift? Or Just Sneaky Marketing? 🏦🎒 Did you know 80% of financial education in schools is "kindly" provided by the financial industry? How thoughtful, right? Or is it? 🤔💼 The truth is, when the financial sector steps in to teach our kids about money, it’s more about creating future customers than genuine education. 🏦💳 Should we be grateful for this “generosity,” or be cautious of the wolves in suits? 🐺👔 Click here to uncover the truth.🌟👉 Read more. 📈😅

 

Pension crisis surveys.

🔍 Another day, another biased pension survey! 😏 According to Unbiased, 57% of UK adults aren’t “retirement ready,” and surprise, surprise, the answer is… more pensions! 💰 Because apparently, the size of your pension pot is all that matters, right? 🙄 Never mind health, skills, or staying productive in retirement. 🤦‍♂️ Ever heard of human capital? 💡 The real stuff that keeps you going: knowledge, energy, connections, character? 🛠️ But no, let’s keep pushing pensions, because that’s what sells. Want to see the bigger picture? Click here to learn more! 🌟👉 Read more. 📈😅

 

The farce of FOS.

💼🐷 Big Investment Firms Scaring You Into Saving More? 🤯💸 Here we go again! Fidelity International is warning women they won’t have enough for retirement unless they pour more of their hard-earned cash 💰 into their funds. But what about human capital—the skills, knowledge, and health we bring into our later years? Funny how that part is always overlooked. 🙄🧠 While they inflate numbers to make you panic, remember that real wealth isn’t just about pensions—it’s about sustainable livelihoods and making the most of TODAY. 🧘‍♀️💡✨ Want the real story? Read my take on their fearmongering tactics.🌟👉 Read more. 💡

 

🌟 Share the Knowledge and Empower Yourself! 🌟 My work is completely "open source," so feel free to copy, share, and spread the word as much as you like—because everyone deserves access to valuable knowledge. Let’s build a community where learning and growth are open to all. 

 

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The Weekly Waffle

 

Member Live Events:

 

1. 🎓 The Game Plan Evolution: CPD Masterclass Series S1: E10: The Impact Coach 💥

💸 Secure your place now! Free to Members!! 🤑

 

🕒 When & Where:
🗓️ Sep 26, 2024
⏰ 06:00 PM London Time
📍 Zoom (Because in-person is so 2019)

 

How to Join the Fun: Click that registration link before you forget:👉 Register here 🖱️

 

Once you register, you’ll get a confirmation email with all the juicy details on how to join the meeting. Because we know you like to be prepared. 📩

 

About the Session: 💼 The Impact Coach:
On September 26 at 6:00 PM, get ready for 'The Impact Coach' session. It’s an immersive exploration into the psychology of human well-being and how clients’ needs evolve as they age—because who knew people change over time? 🤷‍♂️ We’ll discuss how to guide clients through this shift, from focusing on basic needs to chasing that elusive self-actualisation. All while making sure they don’t outlive their capital, of course. 🧘‍♂️💰

 

See you there, or be square! 📅🎉

 

2. 🚀 Exciting News, Life Planners! 🚀 Our A.I. for Life Planners Masterclass is BACK and better than ever! 🎉

 

Ready to revolutionise the way you work? This course is tailored just for you, helping you harness the power of Artificial Intelligence to enhance your financial planning practice. Whether you want to streamline your communications 💬, supercharge your content creation ✍️, or generate more leads 🔍—we’ve got you covered!

 

Don’t miss out on this game-changing opportunity! Ready to level up?👇

 

Here’s what you can look forward to:

✨ 6 engaging sessions over 6 weeks
✨ Practical tips to enhance your emails, social posts, and more
✨ Learn to create SEO-friendly websites and eye-catching content
✨ Master lead generation strategies that convert

 

This masterclass is designed to give you everything you need to boost your financial planning practice and connect with your clients like never before. Ready to unlock your potential? Let’s get started!👇

 

📅 Starts: Monday, 30th September, 2024
🕤 Time: 9:30 am - 11:00 am UK
💷 Special Price: Just £295 for all 6 live sessions!

 

This is your chance to level up your financial planning practice with practical, hands-on learning that fits into your schedule. At just £295 for the entire course, you’ll gain valuable insights that can transform how you work—making it an investment well worth it. Don’t miss out! Ready to join us?

 

🌟 Spaces are limited so head to 👉 https://www.aolp.shop/ai-masterclass to secure your spot today! If you have any questions, we’re always here to help—just reach out to us at info@aolp.shop. Let’s take your financial planning practice to the next level with AI! 🚀 Ready to get started? Don’t wait—join us now!

 

  

🍷🚪 Curtain Call, Town Hall Warriors!

 

You’ve just survived another round of the Academy’s infamous Friday Lunch Bunch. 🏆 Scatter freely, but oh—plot twist: there's homework. Because of course, there is. 📚 Check out the hyperlinks we’ve tossed around like a trail of digital breadcrumbs. 📎 Consider the gossip mill officially closed for the week.

 

If you’re craving a blast from the past, 👉 browse through our legendary pranks or book your seat for the next session of chaos on 👉 September 27th, 2024, at 12 PM London time. 🎟️🕛 🌟 Quick note: Next week, I’m on my honeymoon! 👰🤵 But don’t worry, everything’s still on track. If you need anything in the meantime, feel free to reach out to the team, and we’ll make sure you’re taken care of. Looking forward to continuing our journey together when I’m back! 🌱😊

 

That’s it for today’s banter broadcast. Until next time,

 

Keep those waffles waving! 🧇

 

Steve 

Academy of Life Planning 🧀

 

 

Email: steve.conley@aolp.co.uk

 

P.S.Buckle up, financial adventurers, and dive into the latest blog from the Academy of Life Planning (AoLP) – your self-proclaimed partner in transformational financial life planning. 🌟📚 Check out their latest post and learn how to turn your financial dreams into reality—or at least a well-organized plan. Happy navigating! 🚀💼  Academy of Life Planning: Your Partner in Transformational Financial Life Planning

 

P.P.S. If you know anyone who would like to be added to our mailing list, please share this link.

 

Websites: Steve Conley, Academy of Life Planning, Planning My Life, Financial Life Coach, Steve's Blog.

 

Copyright the Academy of Life Planning Limited 2024. Contact us by email at info@aolp.co. The Academy of Life Planning Limited is a service sector trading company regulated by the Competition and Markets Authority and Registered in England and Wales number 8016568. Registered office address 9 Franklin Way, Spilsby, Lincolnshire, PE23 5GG, United Kingdom. Information Commissioner's Office reference number ZA502687.

 

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