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The Weekly Waffle

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๐Ÿง‡ The Weekly Waffle - The Latest Gossip from the Academy's Town Hall - The Friday Feast, March 1st, 2024 ๐Ÿ“… Greetings, Dear Steve, ๐ŸŒŸ Sidle up to the table for this weekโ€™s dose of chit-chat ๐Ÿต from the Friday Feast at the ever-so-grand Academy of Life Planning Town Hall. Here's the dish of the day, served with a generous side of cheeky banter. On today's platter: Linda Gratton, the mind behind '100-Year Life', just let slip a gem ๐Ÿ’Ž: gear up to grind till 70 and stick around till 100 ๐ŸŽ‚. Oh, and guess what? A third of us will be freelancing for a merry band of employers by 2031 ๐ŸŽช. The future of work is looking... eclectic. Enter the saga of St. James's Place (SJP), causing a stir in the advice market like a plot twist in EastEnders ๐Ÿ“‰. They've been caught red-handed, dealing with compensation claims for their 'service' โ€“ or lack thereof. The aftermath? Their share price took a nosedive ๐Ÿ“‰, and insiders are fleeing the scene faster than you can say 'insider trading', offloading shares to anyone still in the dark ๐Ÿƒ๐Ÿ’จ. This debacle isn't just a blip; it's more like the writing on the wall for advisory firms. With the lion's share of them taking a cut of assets under management, it's crystal clear that they're selling products, not advice ๐Ÿš€. The real kicker? The industry's aversion to cash flow modelling, despite its importance under consumer duty regulations. Names like Mattioli Woods, Mazars, and Chase de Vere are turning their noses up at it, despite having the know-how ๐Ÿ™…โ€โ™‚๏ธ. SJP, meanwhile, is mired in controversies, from dodgy financial planning and infrequent client reviews to questionable fund performance reports sans benchmarking ๐Ÿคฆโ€โ™‚๏ธ. But hey, every cloud has a silver lining โ€“ genuine financial planning is finally getting its moment in the sun, celebrated for its integrity and transparency โ˜€๏ธ. So, here's to hoping for a future where financial advice is more than just a pricey illusion ๐Ÿฅ‚ Dive into the magical world of "asset alchemy" ๐Ÿง™โ€โ™‚๏ธโœจ, where comprehensive financial planners turn your financial dreams into gold, no matter where you're starting from. They're here to champion your future ambitions with a holistic spell book ๐Ÿ“š of financial planning. Tune into "Wealth Unchained" ๐ŸŽ™๏ธ, where yours truly and Emma Wright spill the tea on ditching the big financial beasts ๐Ÿฆโžก๏ธ๐ŸŒˆ and how it's been a game-changer for our lives and well-being. This podcast isn't just about stacking cash ๐Ÿ’ธ; it's about upgrading your life quality meter ๐Ÿ“ˆ. For retirees trembling at the thought of their capital ghosting them ๐Ÿ‘ป๐Ÿ’ฐ, there's a glaring need for advisers to step up their cash flow planning game. Because let's face it, running out of money is scarier than a horror movie marathon ๐ŸŽฅ๐Ÿ˜ฑ. And just when you thought the Post Office fiasco was the talk of the town, HMRC enters the chat with a scandal that's turning heads ๐Ÿคฏ. Picture this: victims already down on their luck from pension scams getting a "love letter" ๐Ÿ’Œ from HM Revenue & Customs demanding 55% of their vanished savings. Talk about kicking someone when they're down. This horror show even sparked debates in Parliament and conversations about the unthinkable. So much for protecting the public, eh? ๐Ÿคทโ€โ™‚๏ธ๐Ÿ›๏ธ Dive into the digital age with an AI on Google Sheets ๐Ÿ“Š that whips up purpose statements in a jiffy. Answer seven nosy questions, and bam! You've got yourself a shiny purpose statement ๐ŸŒŸ, complete with a vision, a nosedive into your character, a personal SWOT analysis, and some feel-good affirmations. And guess what? It's quicker than your average coffee break โ˜• - under 30 mins! Perfect for dazzling clients or jazzing up your Monday mornings. Plus, there's a cherry on top ๐Ÿ’: a DALL-E crafted image that mirrors your wildest dreams and ambitions. Meanwhile, advisor platforms are caught double-dipping into your cash stash ๐Ÿ’ธ, treating it like their personal cash cow by slapping on fees for just existing on their platform - without the decency of offering competitive interest rates. The Financial Conduct Authority (FCA) has finally cracked the whip ๐Ÿ‡, setting a deadline for these cheeky eight to clean up their act. Spoiler: they're all advisor platforms. Makes you wonder what they're advising on, apart from their bank balance! As the unregulated advice seekers flock to TikTok for wisdom ๐Ÿ“ฑ๐Ÿ’ƒ, the grown-ups are debating the merits of financial coaches and AI planners like 'Planning My Life.' Turns out, AI could be the secret sauce ๐Ÿค–๐ŸŒถ๏ธ to slashing task times and staying ahead in the game. If you're not chatting with your AI planner yet, you might just be passing the baton to those who are. In the land of the free, the trend of 'unretirement' among the seasoned workforce is making waves ๐Ÿ„โ€โ™‚๏ธ. This nugget came up while chewing over how to retire with a bang, packing meaning and value into those golden years. And for a bit of soul-searching, last week's UK Values Alliance meeting was a hit ๐Ÿ”. Turns out, knowing what tickles your fancy can actually make you happier and more engaged in life. Who knew? ๐Ÿคทโ€โ™‚๏ธ Science says a deep dive into your values could bump up life satisfaction by 21% and get you 30% more involved in stuff that matters. Time to nudge organisations into the values assessment bandwagon for a happier, more productive crew ๐Ÿš€. Oh, the joys of value assessments at work ๐ŸŽญ. Turns out, they're not just for show. While some employees might discover they're as aligned with their company's values as cats are with swimming ๐Ÿฑ๐Ÿ’ฆ, it's actually a win-win. Employers get the golden ticket ๐ŸŽŸ๏ธ to swap them out for folks who sing from the same hymn sheet ๐ŸŽถ. And, drumroll please ๐Ÿฅ... we're not just a local gig. The Academy is waving its flag ๐ŸŒ across the globe, with nods from folks in Canada to Asia ๐ŸŒ. It's like our very own world tour, minus the jet lag โœˆ๏ธ, proving our vibe resonates across borders. Diving into the deep end of financial well-being ๐ŸŠโ€โ™€๏ธ and its buddies, mental and physical health ๐Ÿง ๐Ÿ’ช. It's like a trio that's inseparable, showing that sorting out your pennies ๐Ÿ’ท can actually make you happier and healthier. Who knew your wallet had such power? Mark your calendars ๐Ÿ“… for March 14th, folks. "Vision Maker" is the masterclass you didn't know you needed. It's all about crafting those purpose statements that'll make you jump out of bed in the morning ๐Ÿ›Œ with goals that sparkle โœจ. Members, get your tickets ๐ŸŽซ for the CPD shindig from the AoLP shop. And guess what? You can binge-watch ๐Ÿ“บ previous sessions like it's the latest Netflix series. Education or entertainment? Why not both! Customer Value in Financial Planning sounds like a novel concept, doesn't it? ๐Ÿ“š Turns out, seeing your advisor once a year ๐Ÿ—“๏ธ isn't the same as getting value. Shocking, I know. The industry's buzzing ๐Ÿ about setting the bar with the FCA peeking over their shoulders ๐Ÿ‘€, demanding proof that they're not just taking clients for a ride. Then there's the rave review ๐ŸŽ‰ about the Conquest Planning cash flow tool - apparently, it's the holy grail ๐Ÿ† of goal-based systems. Members swapped tales of financial planning tools like they were trading Pokรฉmon cards ๐Ÿƒ, comparing everything from user-friendliness to the price tag ๐Ÿ’ฐ. And the grand finale: the HapNav announcement ๐Ÿ“ข. I'm dishing out the Academy's own cash flow planning tool for a steal at ยฃ6.99 a month. It's like the Costco of financial tools - bulk value for your buck ๐Ÿ’ธ, making you your own financial planner. Take that, Voyant! ๐Ÿš€ The Last Mike Drop: Toodle-oo and Thanks a Million ๐Ÿท๐Ÿšช And just like that, the final act of today's financial cabaret draws to a close, all under the watchful, and let's admit, somewhat cynical eye of yours truly, Steve. Hats off and a round of applause for you beautiful souls for sharing your grey matter and lending an ear. Let's not let the grass grow under our feet till we gather again, shall we? Stocked up with a fresh haul of insights and a dash of camaraderie, let's part ways with visions of a weekend filled to the brim with merriment and a sprinkle of pondering. Hence, we add another leaf to the ever-unfolding tale of the Academyโ€™s Friday Lunch Bunch - a saga of navigating the tumultuous waters of finance and the great unknown. ๐Ÿ”š And There We End Our Tale ๐ŸŽฌ So, there's your marching orders, dotted with hyperlinks because, frankly, what's a gabfest without a little homework to stave off boredom? Thatโ€™s all we wrote for this week's gossip gala, mates! For a trip down memory lane, have a peek at our previous banter or snag an invite to our next chinwag (March 8th, 2024, 12:00 PM London) for an unparalleled session of jest and jollity. And with that, we curtain down on our latest banter bonanza. Until our paths cross again, keep those waffles flying ๐Ÿง‡. Ta-ra, Steve Conley The Big Cheese, Academy of Life Planning email: P.S. If you know anyone who would like to be added to our mailing list, please share this link. Websites: Academy of Life Planning, Planning My Life, Financial Life Coach, Steve's Blog. Copyright the Academy of Life Planning Limited 2023. Contact us by email at 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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