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Today’s Telegraph report on falling wealth management shares isn’t noise.
It’s a signal.
Markets are pricing in AI disruption.
Not because planning is dying —but because commoditised advice is.
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Hello everyone,
You may have noticed a change.
Planning My Life is becoming Total Wealth Plans.
Nothing has been removed. Nothing is being taken away. Your access and your work remain exactly as they are.
This is an evolution — not a disruption.
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Become a Pathfinder and embark on a journey of self-discovery, empowerment, and transformation with Total Wealth Plans.
Pathfinders is more than a community; it's a movement towards taking control of your destiny, guided by innovative tools, expert support, and a network of fellow explorers.
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If you’ve ever felt stuck, uncertain, or unsure where to focus your energy next, this might help.
I’ve made the AI GAME Plan / Total Wealth Plan v3.5 available free, so you can explore your goals, direction, and priorities in a simple, structured way.
No jargon. No pressure.Just space to think clearly about your life.
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This week’s Total Wealth Planner Weekly also covers:
• AI in banking (and why it isn’t neutral)
• FCA failings in victim treatment
• Recruitment misdirection in financial services
• Real-world impact through Get SAFE
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This is a good reminder that financial empowerment isn’t about being clever.
It’s about staying on the piste.
Lower fees and a new global LifeStrategy range from Vanguard reinforce something we teach at Planning My Life:
Start with boring, structurally trustworthy building blocks. Avoid exotic, opaque, “exclusive” investments. Treat clever with suspicion. Build your life system before trying to optimise returns.
Boring money. Brave life design.
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Scottish Budget 2026: the “tax cut” that barely moves the needle
For Scottish earners, the headline tax cut is up to £31.75 a year — about 61p a week.
In reality:
Many people get £0–£11
Frozen allowances + inflation mean most are still worse off
Around two-thirds of the benefit goes to higher earners
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Money plans don’t fail because people are bad with numbers. They fail because life is complex — emotional, uncertain, and deeply human.
That’s why Planning My Life looks beyond budgets and products.
Real wellbeing includes:
Clarity about what actually matters to you
The ability to think clearly under pressure
