People Create Wealth With Their Entrepreneurial Spirit

When you drop the financial asset sales, financial planning becomes about making money rather than saving money..

People Create Wealth, Not Products!


Have you ever thought a financial adviser could help you grow your wealth?


Regulated financial advisers use financial planning to sell financial assets and personal pension assets. You earn the wealth and hand it over to be managed by them. You take the risk, and they invest it, from which you deduct their charges, other charges, taxes and inflation. The result may or may not be growth in your wealth over the longer term; what is certain is that change, if any, will be slow.


Financial assets, according to the UK Office for National Statistics, are traditional investments such as a bank or building society current or saving accounts, investment vehicles such as Individual Savings Accounts (ISAs), endowments, stocks and shares, and informal savings (money under the bed or loaned to family or friends) and children's assets. Regulated financial products make up just five percent of wealth for the average Brit.


You may want to work with a planner who will look at all of your wealth.


Regulated financial advisers make personal product recommendations on a one-to-one basis. Time is limited; therefore, service is limited. The number of advisers is limited. Regulated advice is not a scalable operation.


Time is expensive. Fees are relatively high.


Regulated financial advice about regulated financial products can only serve the five per cent who are already wealthy.


The regulated financial adviser receives rewards when garnering assets and is penalised when assets leave their management. Cross-subsidies exist, where wealthier clients pay disproportionately larger fees to subsidise clients making smaller investments for similar work.



Non-intermediating financial planning is generic advice and financial education.


Because our fees are fixed and our service is non-intermediating, there is no asset bias. There is no transaction bias. No assets are sold. It doesn't matter if your assets are financial assets, pension assets, property assets, business assets, or physical assets. There can be no conflicted remuneration, conflict of interest, or bias across the board.


Non-intermediating financial planners can advise groups. It can even be delivered in eBooks (see Medley) and online courses (see Membership). Knowhow is unlimited, and so are the prospects for the planner's business.


This planning style is scalable, more affordable, and accessible for everyone. Delivering financial planning to groups or subscribers divides the time cost across many people. Financial planning becomes affordable for everyone.


DIY planning tools, such as HapNav, keep financial information private. Data privacy is no longer an issue in groups. 


When you drop product sales and wealth management, financial planning becomes wealth creation. The focus is on making money, rather than saving money you have already made.


Non-intermediating financial planners create wealth for the unwealthy with the one asset created with your intellectual property and physical effort - the business asset. Your economic activity creates wealth; all other purchases merely manage created wealth. When you want to create wealth, you need a business plan.


Seven In Ten People Were Worse Off After The Pandemic


In a global economic and medical crisis, ordinary people require more wealth.


People create wealth, not products. Products protect wealth or redistribute wealth. Products manage wealth for those who are wealthy. 


Let the product sellers continue to sell products to the wealthy.


As we emerge from a global economic and medical emergency, the unwealthy and underserved need an accessible plan to create wealth. Like a three-year profit & loss account and a balance sheet added to the lifetime wealth forecast for the "Business of You!"


Wealth creation is not a service delivered by the traditional financial adviser; intermediaries sell products.


A traditional financial planner must unlearn the product sales process and learn the wealth creation process, to become a successful non-intermediating financial planner.


We sell plans, not products. 


We create wealth through planning and coaching; we do not manage or sell products. We educate the client to manage their wealth.


For planners out there. Future-proof your revenue streams. Insure your business from the uncertainties of global, economic, regulatory, or medical threats. Diversify into non-intermediating financial planning.


We Are An Online Digital Service


Because we are non-intermediating, we do not need to visit our clients in person. It has been business as usual for us during these exceptional times. We can still offer you the same quality service, which is remote, secure, and easy to receive.


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