For too long, the financial services industry has focused on solving the wrong problem. The buzzword has been the “advice gap” — a perceived lack of accessible financial advice for the masses. But the truth is, the real issue isn’t advice; it’s empowerment. People don’t need to be sold financial products disguised as solutions. They need the tools, knowledge, and confidence to take control of their own financial futures.
This empowerment gap has left the majority behind, with the industry structured to cater to a narrow band of the wealthy elite. For decades, firms like St. James’s Place and training programs like those of Bill Bachrach have honed their focus on “delegators” — individuals willing and able to hand over the reins of their financial lives. But this model is inherently exclusionary, leaving 95% of people adrift, relying on TikTok tips, spam phone calls, and a sea of unreliable online advice.
Why Financial Empowerment Matters
The current system is failing the majority. The message to most people is clear: if you’re not rich, you’re on your own. This gap in support is not only disheartening — it’s dangerous. Left to navigate their financial lives without guidance, people are vulnerable to scams, missteps, and financial insecurity.
At its heart, empowerment is about taking ownership. It’s about giving people the tools to be their own financial advisors, not in the technical sense of becoming wizards of investment portfolios or tax optimisation, but in the practical sense of managing their own money with confidence and clarity.
A Programme Designed for Everyone
Here’s the good news: with the right support, 90% of people can manage their own financial lives, 90% of the time. The key is accessibility. That’s why we’ve developed an affordable, straightforward programme designed to put financial empowerment into the hands of everyone. For just £19 a month, we provide a package that delivers education, resources, and tools to help people take control of their money.
The cornerstone of this programme is the Financial Activation Measure (FAM). This innovative tool helps individuals assess how engaged they are with their finances. Think of it as a scorecard for your financial life — a way to track where you are now and measure your progress over time.
Are you starting from a place of financial disengagement? That’s okay. The programme is designed to support you every step of the way. Over six weeks, we’ll help you improve your financial activation score. Whether you’re starting at 20% and aiming for 40% or beyond, the goal is growth and empowerment.
How We Empower
We provide practical tools and support that focus on key areas of financial management:
- Cash Flow Planning: Learn how to create your financial architecture, navigate cash flow valleys, and ensure you have “enough” to live the life you want.
- Future Planning: Answer critical questions like “When can I retire?” and “Will I outlive my capital?”
- Ongoing Support: Through videos, education, and regular check-ins, we keep you on track to achieve your financial goals.
Our approach isn’t about making you an expert in technical finance; it’s about giving you the confidence to take ownership of your financial life. And if you do need expert guidance for specific issues, you’ll know when and where to seek it — without being sold a product you don’t need.
Why It Matters Now
The financial world is not built to serve everyone equally. Traditional advisers focus on the wealthy, leaving the rest to fend for themselves. This programme changes that. It’s not about fitting into the old mould; it’s about breaking it and creating a system that truly serves people’s needs.
The best helping hands are at the end of your own arms. With the right guidance, you can take charge of your finances and build a secure, sustainable future for yourself and your loved ones.
Take the First Step
Empower yourself today. Join the movement to close the empowerment gap and become your own financial planner. With our programme, you’ll gain the tools, confidence, and clarity to take control of your financial future. It’s time to take ownership and transform your relationship with money.
Start your journey now — because your financial future belongs in your hands.
FAQs: Planning My Life
What is Planning My Life?
Planning My Life is a pioneering service designed to empower individuals to take control of their lives, finances, and futures. By using an advanced AI Life Planner, it helps you craft personalised life plans that provide clarity, direction, and financial empowerment.
It’s more than a service; it’s a movement to make financial planning accessible to everyone, not just the wealthy, and to give people the tools to achieve a fulfilling and successful life.
Why was Planning My Life created?
Planning My Life was created to address the empowerment gap in financial planning. For too long, traditional financial services have catered primarily to the wealthy, leaving the majority of people without accessible or transparent solutions.
This service exists to change that by democratising financial planning, giving everyone the tools and guidance to take control of their finances and life decisions—without relying on costly intermediaries or being sold unnecessary products.
What makes Planning My Life different from traditional financial planning?
Planning My Life focuses on empowerment, not dependency.
- Traditional financial planning often relies on intermediaries who manage your finances for you, which can be expensive and out of reach for most people.
- Planning My Life teaches you to take ownership of your financial future by providing the resources, tools, and support you need to manage your own finances with confidence.
At its heart, this service believes in decentralisation—keeping control of your data, decisions, and assets firmly in your hands.
What do I get with a Planning My Life membership?
For just £19 per month, members receive:
- Access to a comprehensive suite of planning resources, including tools, assessments, videos, and guides.
- A supportive community of like-minded planners to share ideas and experiences.
- Unlimited Q&A email support from experts, including insights from Steve Conley, a recognised leader in the financial industry.
How does the AI Life Planner work?
The AI Life Planner is designed to guide you through crafting a personalised life plan. It simplifies complex financial and personal planning processes, helping you:
- Define your goals and priorities.
- Understand your current financial situation.
- Create a roadmap to achieve your desired future.
The AI Planner works alongside you, providing clarity, guidance, and structure, so you can make informed decisions about your life and finances.
Who is this service for?
Planning My Life is for anyone who wants to take control of their finances and life decisions. It’s especially suited for people who:
- Feel overwhelmed by financial planning or don’t know where to start.
- Want to stop relying on costly financial advisers or questionable online advice.
- Believe in taking ownership of their future and want to be empowered, not sold to.
Do I need to be a financial expert to benefit?
Not at all. Planning My Life is designed for everyone, no matter your level of financial knowledge.
- The tools and resources are straightforward and user-friendly.
- If you ever need expert advice on specific issues, we can guide you on where to seek it.
The goal is to make managing your finances simple, empowering, and achievable.
How does Planning My Life support personal growth?
Planning My Life isn’t just about money; it’s about creating a balanced and fulfilling life. The service supports personal growth by helping you:
- Identify what truly matters to you.
- Set goals that align with your values and dreams.
- Develop the confidence to take ownership of your future.
Through a combination of education, tools, and community support, you’ll grow not only financially but also personally.
How does Planning My Life contribute to global change?
Beyond individual empowerment, Planning My Life is committed to creating broader societal impact. By reducing financial dependency and increasing access to sustainable financial planning, it helps combat global challenges like poverty.
Our vision is to inspire a ripple effect: empowered individuals lead to empowered communities, which in turn drive meaningful global change.
Why should I trust Planning My Life?
Planning My Life is founded on transparency, integrity, and innovation. It was created by Steve Conley, a recognised thought leader in financial planning, with a mission to make financial empowerment accessible to everyone.
We are dedicated to:
- Offering genuine value without gimmicks.
- Keeping control of your data and decisions in your hands.
- Providing ongoing support that prioritises your needs over profits.
How do I get started?
It’s simple. Visit [Planning My Life’s website], subscribe for £19 per month, and gain immediate access to our resources and community.
Take the first step towards financial empowerment today. Your future is in your hands—and with Planning My Life, you’ll have the tools and support to make it everything you want it to be.
Academy of Life Planning 