Two people in business attire talking across a small café table, coffee cups and a notebook between them.

The value of financial advice has a number. It needs a conversation.

A new study puts the value of financial advice at 4.92%. UK take-up sits at 8.6%, and the range in the US isn't much higher. That gap between a rising figure and a flat market is worth a closer look. Three questions, borrowed from psychology, offer a better instrument than the number ever was.

By Kiryl Oliveira

/ 26 Jul 2026

Why 'markets tend to recover' reassures everyone except the client, and what financial planners should say instead

When markets correct, the industry reaches for its familiar kit: reassuring charts, a bias checklist and talking points to deploy with fervour. Yet clients panic, move to cash and freeze new money regardless. The kit reassures the industry more than it does clients. A better conversation exists.

By Kiryl Oliveira

/ 1 Jul 2026

When expertise becomes the obstacle. What the financial advice model misses about behaviour change.

By Kiryl Oliveira

/ 18 Jun 2026

When expertise becomes the obstacle. What the financial advice model misses about behaviour change.

When clients agree but don't act: a behavioural guide for financial planners

By Kiryl Oliveira

/ 23 Apr 2026

A middle-aged woman is sitting at her desk, working on a laptop in her home office.

Latest

Why referrals plateau: the ceiling has a number, and it is smaller than most financial planners assume

Every client has a limit on how many referrals they can ever generate, set not by goodwill but by how many people a person can meaningfully know. The number is not a guess. It has been measured.

By Kiryl Oliveira

/ 14 Jul 2026

Why referrals plateau: the ceiling has a number, and it is smaller than most financial planners assume

Why satisfied clients don't refer, and the risk holding them back

Most of what is written about referrals concerns what to say and when to say it. That advice helps, but only so far. The real drivers, the reasons a happy client stays silent, rarely get a mention. This is what they are, and how an introduction becomes something the client wants to make.

By Kiryl Oliveira

/ 11 Jun 2026

Why satisfied clients don't refer, and the risk holding them back

Financial plans run on chronological age. The clients sitting across the table rarely do.

Three ages shape every client: the one on their passport, the one they feel, and the one their body is living. Financial planning accounts for the first. The other two determine whether a plan is truly owned.

By Kiryl Oliveira

/ 4 Jun 2026

Financial plans run on chronological age. The clients sitting across the table rarely do.

The peak-end rule is not about endings: what financial planners misread and why it matters

Most financial planners focus on consistency. The peak-end rule suggests that may be exactly the wrong instinct. What clients remember isn't the average of how a relationship felt. It's one or two moments — and rarely the ones anyone designed.

By Kiryl Oliveira

/ 21 May 2026

The peak-end rule is not about endings: what financial planners misread and why it matters

Where goal-based conversations fall short: financial planning beyond the goal list

Most discovery conversations end with a goal list. A goal list is useful. It is not, by itself, a motivated client. The distinction matters more than goal-based planning has typically acknowledged, and there is a practical way to close the gap.

By Kiryl Oliveira

/ 7 May 2026

A heterosexual young family with their three children, two boys and a girl, hold hands while walking across a grass field.

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