AoLP: A New Adviser Network For Non-Intermediating Financial Planners

In 2005, I was the Business Development Director of the UK’s fourth largest IFA Network, Berkeley Independent Advisers. Fifteen years on, I am the founding director of a new type of IFA Network. Where the advisers are so independent of product providers, they don’t even hold agency agreements. A wall between advice and product. Now, that’s what I call independent!

These new type of advisers are non-intermediating financial planners (NIFP).

Not financial intermediaries, therefore not regulated by FCA.

NIFPs are virtual advisers, no need to see a client face-to-face.

NIFPs are global, working across territories across five continents. Working from Hong Kong or Singapore talking to clients in the UK. Or, working from a home workspace in the UK, serving clients in Hong Kong or Singapore. A world without boundaries.

I’m not sure I know of any other business like it. Academy of Life Planning is a global, virtual, non-intermediating financial planning network.

It is called the new HOME SERVICE COMPANY.

Demand for it? We are probably in the worst global life and money emergency in living memory, some might say not quite as bad as the Great Depression, worldwide economic downturn that began in 1929 and lasted until about 1939. It was the longest and most severe depression ever experienced by the industrialized Western world.

An NIFP is a virtual global life & money planner in a global life & money depression!

If you would like to know more, here is the Academy of Life Planning’s April 2020 Newsletter.

Thank you to everyone for joining our growing global network of planners!

I would like to welcome so many of you new planners who have been joining us this past month during these difficult times. Whether you are planning yourself or others. Welcome!

Planning yourself consumers taking the opportunity to reappraise their lives during lockdown. Planning others advisers rising to the challenge and stepping up to the plate to deliver online global life & money planning (the new way) in a global life and money emergency. Thank you!

All those people have been asking me, “Where’s your library of info?” Lots of you have been wondering how to navigate the library of free stuff, so I want to give you a helping hand on that in this newsletter (below). Many of you don’t recollect even seeing the newsletter. Please adjust spam filters and watch out for this, as I don’t want you to miss out on all the valuable free stuff I’m giving away. I’m also posting this in my Blog (and sharing on social media) just in case, for those who follow me there.

Latest Blog articles in case you missed them:

Recent Posts

Plus, extra articles on LinkedIn:

FREE Stuff! Like Your 8 Steps to Your Plan B, Your 8 Steps to Business Success, or the comprehensive guide to the GAME Plan. All given away on the website for signing up to the newsletter. Plus, I give away Your Money or Your Life books every week!

Firstly, let me remind you what AoLP is. We are a non-intermediating financial planning network. The first of its kind. We are virtual. We are global. For those of you who know what an IFA Network is, like the one I ran for 1,200 advisers back in 2005, WE ARE A NON-INTERMEDIATING FINANCIAL PLANNING NETWORK.

We have the AoLP Network, providing compliance services and NIFP business development support, keeping you abreast of developments, providing clear guidance and quality solutions, and

We have AoLP Direct, our NIFP firm.

Lots more of you have told me of your experience of similar life planning, life coaching, financial planning courses you’ve been on and are only just beginning to appreciate the depth to the GAME Plan model. Some of you are having to re-read my book. I appreciate, the depth of this methodology can be a little off-putting, at first. I make no apologies. It’s very powerful and ancient. The secrets the highway robbers didn’t want me to share!

The reason I’m writing is … you don’t have to be a master to earn as a planner. You can “earn while you learn”. Just remember, you know more already than the person you are helping. That’s all you need to be a successful life & money coach. Your client will trust you more when you are on a similar journey of personal growth and will relate to you better than they will to a master when you are just a few steps ahead.

If your client is suffering due to the cv-19 life and money crisis, use The GAME Plan to help them find wisdom. I use the 4 Capital Detox I wrote about in my blog last week. It’s free to read.

If your client is wise but insecure, help them find security.

If they are secure yet trapped or uninspired, help them find freedom.

If they are free, help them create “a lasting legacy” to help others present and future find freedom too.

All steps are achieved by simply a repeat cycle of The GAME Plan.

Let me remind you how much it costs.

If you don’t have the upfront £450 for annual membership (consumers) or mentorship (advisers), then you can pay £45 pm – no minimum terms or conditions. Cancel anytime.

Planners. You are one step ahead of the client. You can earn while you learn. One client is all it takes for you to breakeven on your finances.

All those people who have been asking, “Can I do it any faster?”. Many of you have said you want to learn quicker. So, I’ve decided to offer an accelerated programme for those who can’t wait 12 months. It’s £950 and you see more of me with a view to completing the training in 3 months. All details are on the website.

Remember. You don’t have to finish to earn, you can earn while you learn.

Thanks to all of you for reading the newsletter. I’m delighted to welcome so many people from so many different countries, as well as the UK … I have been speaking to advisers in Hong Kong, Singapore, Sweden, USA just this week. We are truly an international community.

That’s because this is a global life & money planning system for a global life & money crisis, that crosses boundaries and is not intermediation, therefore is compliant with laws in all appropriate territories. And, because it’s online, you can reach the world from your home office to their homes.


So, join me in the new way.

The Resource Library is as follows:

Facebook Pages to follow: @bethechange @aolpuk @valuesba

Facebook Groups to Join: @aolpuk (open) and @lamplighters (closed for members only)

Non-intermediating Financial Planners Network on LinkedIn:






Free guide: 8 Steps to Your Plan B

Free Guide: 8 Steps to Your Business Success

Free Guide: The GAME Plan explained

Your Money or Your Life Book


The GAME Plan: Four Capitals Detox

The GAME Plan connects you with mind, body, heart, and spirit. The base line you aim for is enough in these four areas: a healthy equilibrium, a comfortable and balanced level of health and wellbeing. Illness in one area needs to be healed before we form solid ground on which to build to be all that we want to be in the world. Then and only then, we can move beyond to deliver a life well lived and a legacy.

If you wish to find out more about The GAME Plan, visit the website of the Academy of Life Planning and download your free guide.

According to Plato:

‘The cure of the part should not be attempted without the cure of the whole. No attempt should be made to cure the body without the spirit and if the head and body are to be healthy, you must begin by curing the mind. That is the first thing. Let no one persuade you to cure the head until he has first given you his spirit to be cured. For this is the great error of our day in the treatment of the human body, that physicians first separate the spirit from the body.’

The GAME Plan is a story of how to improve our lives in the future. It pays little attention to the past; the GAME Plan leaves advising on the past to medical professionals. By playing the game we can overcome all future obstacles, that is we can overcome the higher-way robbers we meet on our journey.

You can systematically knock down each obstacle, like dominoes. Forget about the unpleasantness of past imbalance. Put the past behind you. Do something about imbalance from now on and create balance in your beautiful world.

Consider the four planes of your multi-dimensional being. Ponder mind, body, heart, and spirit. The aim is to elevate your state of being on each pole to a state of well-being. On completing this task, you will look at yourself and experience holistic well-being.

When unwell in mind, body, heart, or spirit, consider a point on each plane where you will be considered well. Focus your attention on each pole in turn.

Use the seven natural laws of Hermetic philosophy described in the Kybalion.

The first law is the Law of Mentalism. Your reality is a manifestation of the mind. Use the power of thought to elevate your condition.

Think about a higher state of wellbeing, believe you can attain it, feel its possibility, then act. Repeat the cycle. This is the natural cycle from creation to manifestation, and we are applying it to your wellbeing. Change your approach to wellbeing using the Game Plan: Goals, Actions, Means, Execution.

The second law is the Law of Correspondence. As above, so below; as below, so above. The planes of the multi-dimensional you are in hierarchical order. The slowest vibration and its lowest density is the physical plane. Then the mental plane. Next the emotional plane, and finally the spiritual plane. Address improvements in your wellbeing from the lowest plane first. And, then move on to the next. So on and so forth, until wellness is elevated on all planes.

Use law one, the Law of Mentalism, on each plane. Repeat the process. The process is the same on each plane. As below, so above.

The third law is the Law of Vibration. Nothing rests, everything moves, everything vibrates. When healing the pole of your being we imagine a vibration. There is a slower vibration corresponding to a lower state of wellbeing, and a higher vibration corresponding to a higher state of wellbeing. Imagine raising the vibration. Bring raised vibration to your situation through attention. Imagine the result to be an increase in vibration.

The fourth law is the Law of Polarity. Everything is dual, everything has poles. Everything has its pair of opposites, identical in nature, different only in degree.

Imagine a mixing deck with four levers. Mind, Body, Heart and Spirit. Imagine where your levers are set right now. Imagine moving all four levers to the highest position.

Imagine also that all states of wellness are relative. If you say you are unwell, there is always a position on the wellbeing pole below where you are, and above where you are. Aim to improve your wellbeing by moving the lever upwards.

The fifth law is the Law of Rhythm. Everything flows in and out. Everything has its tides. All things rise and fall. The pendulum swings. The swing manifests in everything. The process is repeated. This tells you that in the absence of you doing anything to counter the natural law your wellbeing will rise and fall. Aim to catch the pendulum on a high. There is a subsidiary law that says you can hold the pendulum swing.

The subsidiary law is the Law of Neutralisation. You can escape the fall of the pendulum through conscious awareness that the pendulum will fall. For example, if your physical wellbeing has improved be conscious that just stopping your action will result in a deterioration in wellbeing. Maintain the treatment.

The sixth law is the Law of Cause and Effect. Everything has a cause. Everything has an effect. You have the choice to live your life being the effect of other people’s causes. Or you can choose to be the cause of your own effect. Choose to cause your improved wellbeing.

Lastly, is the seventh law, the Law of Gender. Everything has an element of masculine and feminine. A yang and a yin. One object gives existence to the other, and one object can be found in the other. The yin is the cloudy and overcast state, the yang is the shining bright state with banners waving in the sun. Yin is yielding, weak, passive, and retreating. Yang is firm, strong, active, and advancing. These are the two alternating states of being. Change is a continuous transformation from one form to another.

In pure Yang there is a seed of yin; in pure yin there is a seed of yang. In a state of being unwell there is a seed for improving wellbeing. In a state of wellbeing there is a seed of becoming unwell.

Advice from the Book of Changes, I Ching, can be found in the Tao of I:

In favourable times, never neglect unfavourable potential.

In unfavourable times, never act abruptly or blindly.

In adverse circumstances, never become depressed and despair.

A popular saying of unknown origin is,

‘This, too, shall pass.’

It may stem from a fable written by Persian Sufi poets, Jewish folklore, or King Solomon, although it is not recorded in the Bible.

Look at each plane in turn, physical, mental, emotional, spiritual. Consider a higher point than you were ever hurt or worried. Challenges come to draw your attention to areas where change is needed in your life. Ponder being no longer concerned about any area of imbalance in your life. Shift your mind-set. Begin to affirm wellness in mind, body, heart, and spirit.

Begin by shifting your fundamental consciousness away from merely getting by from day to day. You move from a place of fear and withholding, to a place of loving and giving. Become a progenitor of a new and complete way of being.

Let go of old patterns that have accumulated in your confusion. Move into the light within, move away from fear as your root energy and embrace love in its place. Love yourself and love the planet. Stand firmly in the physical world, grounded, and centred and experience love, joy and light.

We now focus on making your day-to-day life easier and effortless. It is up to you and your free will, to decide whether to follow the programme. Leave behind the old life and fear of lack or control. Live a blessed, synchronistic, abundant, and joyful life instead.

Let your Higher You lead you to a life of peace, grace, creativity, and contribution filled with love and laughter on your personal journey. Hear your own inner wisdom. Translate those messages into words. Re-programme your subconscious mind. Become the Higher You.

Money has a profound affect in our lives and impacts on our health and wellbeing. It is a natural human bias to consider the absence of money as the most important deficit in our lives. A money deficit can have an adverse impact on mind, body, heart, and spirit. Too much money can also adversely impact mind, body, heart, and spirit. You need to find the point of balance. Find your personal comfort point on the pole from poverty to prosperity.

Financial comfort is the foundation of wealth, wellbeing, and happiness.

The initial focus is to take care of your health and wellbeing and resolving urgent financial imbalance is an important part of this. Focus in the long-term on your whole wellbeing. We each have our own personal healing journey. Let me tell you about the four capitals detox programme to improve your whole life, body, mind, heart, and spirit.

Take time out to relax, rejuvenate and re-charge. This is a period of deep transformation for you and a chance to re-discover who you really are. Once the physical body starts to heal, detoxification moves onto our mental and emotional bodies and finally the spiritual body.

The root cause of conditions or symptoms may lie deep in more than one body. Inventory check the state of health of all planes, your mind, body, heart, and spirit. Move up the pole from ill-health to health in your four bodies.

Achieve your full potential and become the whole of who you are. Choose a whole new direction to a far better quality of life.

Physical cleansing. Begin here. This is a physical detox for your body and your gut.

Break this down into seven poles. Think about hydration, diet, exercise, breathing, relaxation, sleep, and laughter.

Bring your attention to making improvements in these seven areas.

Drink plenty of fresh, clean water. Keep well hydrated.

Consider your diet. Consider whether you want to include meat, fish, or dairy products. Consider the toxins you consume. Consider alcohol, tobacco, caffeine, lactose, gluten. Consider chemical additives in your food. Consider the benefits of organic produce.

Consider your exercise regime.

Consider breathing.

Consider relaxation.

Consider sleep.

A physical detox helps to re-balance your body chemistry and brings you vitality. Physical health will bring you strength, flexibility, and a reservoir of energy on which to draw.

Mental cleansing. This is letting go of old patterns of thinking that no longer serve you.

Practice mindfulness. This brings clarity of thought; this is a mental rest and a chance to de-clutter your mind.

This is re-visiting your life and looking at what is right for you and what isn’t working.

Release thoughts that no longer serve who you want to be.

Re-establish who you are and where you fit in the world. This is where you look at your financial detox and align your money patterns with your values and desired outcomes.

You may look to make some significant life changes. Mental health helps you to think clearly, formulate ideas, solve problems, and make decisions.

Emotional cleansing. This is letting go of old patterns of feeling that no longer serve you.

This is releasing old stored memories, feelings and emotions and resolving deep emotional stress.

Release emotions that no longer serve you.

It is changing the way we respond to and let go of our past and embrace a much brighter future. It helps you gain clarity and personal insight. Emotional health helps you to acknowledge and express feelings and maintain rewarding relationships.

Spiritual cleansing. This is beginning to listen to your own inner wisdom.

Listen to your inner voice.

In the stillness the spiritual self can be found. Know yourself. This can have a profound effect on your whole life.

Spiritual health will bring you love, joy, peace, patience, kindness, goodness, faithfulness, gentleness, and self-control.

Putting insights into action may require new skills and resources. Take risks. Venture into the unknown. Ideas are not enough. You must trust, apply, and persist.

Attention to bringing about wellbeing in mind, body, heart, and spirit will increase your life-force energy. You will become calm, clear, and centred. You will become loving, peaceful, focused, kind, forgiving, compassionate and balanced. You raise your vibration and become the Higher You.

You attract the same vibration. Turn the light on in the dark room instead of fighting the darkness. Dwell in the Higher You plane of consciousness. This will bring you strength and healing. It provides a tonic and protection.

Live long, live well, live wisely.

If you wish to find out more about The GAME Plan, visit the website of the Academy of Life Planning and download your free guide.

The Trendy Advice Model that’s FIVE-times more profitable!

Virtual non-intermediating financial planning (NIFP) is a model for our times. Steve Conley, founding organiser of the Non-intermediating Financial Planning Network and founding CEO of the Academy of Life Planning explains why.

“This a first-class idea and much needed by all those people who have been left behind by previous changes to financial advice provision in the UK. I am certain that £45 per month is a great investment for many people out there.  This cost could be recouped by your clients 10-fold when removing the cost of a traditional financial adviser with his or her high upfront fees and commissions. I wish you well.”  – Danny Shiel, Senior Financial Consultant, Singapore.

Firstly, we are in unprecedented times during a global economic and public health emergency. In the absence of life & money plans under the UK’s advice gap, sixty percent of the public are fast running out of cash, and the remaining 40% are worried about the impact market volatility is going to have on their financial future.

A service that delivers life & financial guidance during stay-at-home orders is invaluable right now. That’s what NIFP is!

Many financial advisers are either serving the top 5% remotely, chosen on account of investable asset thresholds … or are serving no-one on account of watching Netflix or applying for shelf-stacking vacancies at Sainsburys.

The NIFP model can be delivered to a wider audience due to economies of infrastructure and scale, and can be delivered remotely as non-intermediating means non-regulated which dispenses for the need for wet signatures and verification of ID.

The question I ask is, could NIFP be more profitable for advisers, when compared to conventional advice models.

Non-intermediation – Cost or Benefit to consumers?

The first consideration is which service offers the greatest value for consumers, intermediation or non-intermediation. For the answer to that, you need look no further than the performance of active managers versus markets during the recent global economic crisis. Research shows that active managers have underperformed markets by 2% per annum, which is explained by the charges (see Add to this the cost of the in-house advisory or discretionary service, and it becomes clear that non-intermediation is the clear winner in terms of value add.

If the value of the advisory relationship lies in the planning rather than the intermediation, then it’s reasonable to assume that NIFP could be charged to consumers at the same price as intermediation.

Advisers agree:

“I absolutely believe in providing coaching and planning services that are completely independent of financial products and investment management. After many years, I’ve come to the solid conclusion that strategic financial plans can have far more impact on the lives of individuals, rather than a collection of often random, regulated financial products.” – Graham Wells, Chartered Financial Planner, Edinburgh.

How do margins compare?

Traditionally, an intermediation revenue distribution is a third for compliance, a third to the business and a third to the adviser as profit. With ever-increasing regulation and recent hikes in fees, levies and insurance premiums the cost of compliance could take up to 50% of revenues. Placing the split more like: Compliance 50%, Business 33%, Adviser 17%.

When we consider the economies of infrastructure and scale from a remote advisory model such as NIFP we can cut out 50% of the business cost, working from home, eliminating travel, going paperless, and so forth. The split for the NIFP model is: Compliance 0%, Business 17%, Adviser 83%.

This gives the NIFP model almost 5 times (4.88 x) more profit than the intermediary model.

The press likes NIFP too:

MoneyMarketing in Feb 2020

Citywire in March 2020

George likes it too. March 2020.

For more details visit:

Planning Lives: How to help people make a living from home.

Topic: How I made a living at home by planning other people’s lives – and ended up helping others to make a living at home. These Lessons Are Highly Applicable in Today’s Times…
The Book: Your Money or Your Life: Unmask the highway robbers – enjoy wealth in every area of your life.
The Guide: 8 Steps to Your Plan B
  FREE Guide – Go Here >>
So, what’s in this book and free guide?

By the way, the free guide  is available IMMEDIATELY right now – as soon as you register for our newsletter …

Well, here’s the back story – In 2012 – I gave up my day job to become a planner, working from home. For eight years I’ve made a living from it. Now I not only help others, I also help others learn how to help others. So, they too can make a living as a life & money planner, working from home.

Today, if you look at what’s happening in the World – everyone could do with some life & money planning during these tough times. But, UNLIKE any other time, it’s far worse. It’s so tough out there and many are losing their jobs. Meaning there’s huge demand for people to learn how to make a living by working from home.

For the last eight years, I’ve had enough money coming in every month – regardless of how good or bad the economy is. And, the money is still coming in whilst we’re all having to work from home. How? Well, my plan was to work from home helping other people plan … and now I help others … to help other people plan. So, they can have money still coming in whilst working from home.

I Focus on Planning Life and Money for people who want planning, and for people who want to learn how to plan others.

For me, I’ve been teaching the same thing now since 2012 – planning people and planning the planner. It’s the #1 way to build your life and money.  For me, it’s also an insurance policy. So, today, even though we’re stuck in our homes and so many are struggling, IF you could build your life and money by helping other people build theirs – your entire story can be very different coming out of this…

So, I’ve Written a BOOK! It Reveals How I Used planning to help people with their life and money … It’s 155 pages and it explains exactly how to use planning to build a life and build money.  It’s a 4-step system and I continue to use it every single day. We have hundreds of clients who have been through this book too.

Here’s a few things… The book released last year… It’s available on Amazon or from my website I reveal the secrets the banks didn’t want me to share… I give you 4 steps to use… This is THE #1 way to plan your life and money – period.

So, all you have to do right now to start your plan is… Go To This Page – Fill In Your Information & Download Your Guide!    
How to Get This Book?
Order this book, or
Just download the free guide ‘8 Steps to Your Plan B’ and all new entrants that week will be entered into a prize draw and one will be drawn at random who will get the book for Free! 

Simple 4-Step System How to build a life and build money with a plan.

#1 Source for Building Your Money or Your Life – The only source you really need today to start building your money or your life!
This is going to be a VERY fun read, lots to reveal, don’t miss it!  
FREE Guide + Book – Creating Life & Money >>
Enjoy the read!  Steve Conley CEO/Founder – Academy of Life Planning
P.S. – When life pushes you, push it back!