From Regulated to Regenerative: Could Your Encore Be a Holistic Wealth Career?

A new survey by ValidPath has revealed that just 9% of Independent Financial Adviser (IFA) firms are treating succession planning as a central part of their business strategy. While 77% of advisers agree that it’s important, less than a third (31%) deem it vital, and over a third have barely begun to think about it—despite planning to retire within the next decade.

In a profession built on planning, this seems an extraordinary oversight.

So, what’s next for those preparing to hang up their regulated boots?

Golf, fishing, and grandkids? Perhaps. But is that really all there is?

What if the next chapter wasn’t about retiring from purpose—but reinventing it?

At the Academy of Life Planning, we believe there’s an alternative. One that’s not only fulfilling and flexible, but aligned with your deepest values: an encore career as a holistic wealth planner.

Rather than selling up and switching off, what if you transitioned from transactional advice to transformational guidance? Supporting clients with life-first planning, purpose-driven strategies, and generational impact—without the compliance burden of regulation?

An encore career allows you to:

• Work part-time, on your terms

• Remain engaged in meaningful relationships with clients

• Continue earning income doing something that truly matters

• Share your wisdom and legacy with a new generation of planners

Holistic wealth planning isn’t just financial. It’s human. It integrates emotional fulfilment, intellectual growth, and spiritual abundance with financial security—what we call Kokoro: a life in balance.

Check out our Kokoro quiz. Find Out Your Financial Well-Being with the Kokoro Score. Unlock a Balanced Life: Take the free Kokoro Life Balance Scorecard! Answer 20 questions, and we’ll send you a personalised report.

And for those worried about letting go, it could be the plot twist that changes everything.

So before you drift into a half-hearted retirement of statins and sudoku, ask yourself this:

Is there one last chapter in you that could change lives—including your own?