Many people today are perfectly capable of managing their own finances.
What they often lack isn’t information — it’s a joined-up way to think about life decisions and financial systems at the same time.
That’s really what Total Wealth Planning is about.
Not handing control to an adviser, but creating a structure that helps you connect:
• life goals
This release is an important step for the Total Wealth Planning framework.
Earlier versions worked well in specific jurisdictions, but v5.5 moves the architecture to a universal model.
Instead of trying to document the rules of every country, the system now asks users to describe their local pension system, tax rules, and retirement accounts, then applies the planning framework to those inputs.
That means the Total Wealth Plan can now work anywhere in the world.
For planners, the interesting question is this:
Over 90% of people in the UK will never receive regulated financial advice.
Not because they don’t need help.
Because the economics of advice firms make it impossible to serve most households.
But that doesn’t mean people are stuck guessing.
A sensible self-directed framework exists:
If you look at wealth through a broader lens, it often emerges from the interaction of three forms of capital:
Human capital
Financial capital
Decision capital
The article explores how these ideas connect to institutional economics and the evolving role of planners.
