A New Profession Is Emerging in Financial Planning
Most financial planning focuses on managing financial capital.
But for most people their biggest asset is actually human capital — their ability to earn income over a lifetime.
Career decisions
Skills development
Business opportunities
Life transitions
These often shape financial outcomes far more than investment performance.
This is why Total Wealth Planning integrates:
• Human capital
• Financial capital
• Decision capital
Helping people design the frameworks that guide major life decisions.
I’ve just published a blog introducing a white paper exploring the emergence of the Total Wealth Planner — a new professional role focused on wealth governance rather than product advice.
If you’re interested in how this thinking is evolving, you can read the article here.