By Steve Conley, Academy of Life Planning
A good friend once said, “We’re only warming up.”
That feels true today — because this isn’t about attacking any bank. It’s about ensuring truth, fairness, and balance in how information is shared.
Recently, we reviewed the Lloyds Banking Group Fixed Income Investor Presentation (20 February 2025). Page 8 quietly notes:
“Lending excludes securitisation.”
It’s a small phrase with big implications.
To investors, it clarifies that the bank’s lending figures exclude assets sold off through securitisation — transactions where loans are packaged and transferred to investors. Those investors are briefed, in detail, about risk transfer mechanisms, synthetic structures, and capital benefits.
Yet, for 17 years, many customers affected by those very same transactions — the homeowners, small businesses, and everyday savers whose loans were securitised — have often had no clear disclosure, no explanation of how those deals affected their rights, or whether their contracts remained with the same lender.
The bank’s own investor deck proudly discusses:
- Synthetic risk transfers worth around ÂŁ8 billion in 2024
- Capital efficiency improvements through off-balance-sheet structures
- Derisking and capital generation benefits
All of which are legitimate in principle — but meaningful only when all stakeholders can see the same picture.
At the end of the presentation, the disclaimer reminds readers that it’s “for information purposes only” and “does not purport to be comprehensive.”
That may satisfy investor regulation, but it raises a deeper ethical question:
Shouldn’t the same transparency afforded to investors also be extended to the customers whose loans underpin those profits?
At the Academy of Life Planning, we’re not here to destroy institutions — we’re here to help rebuild trustworthiness in finance. Levelling the playing field means ensuring facts aren’t hidden in footnotes, and that everyone — not just fixed income investors — can make rational, informed decisions.
As citizens, we deserve to understand how our money moves.
As planners, we’re only warming up.
Join the movement for structural trust.
academyoflifeplanning.com
Get SAFE: A Fellowship for Those Walking Through Fire
Get SAFE is becoming what people are desperately searching for —
a structured, ethical, trauma-informed community for:
- victims of financial exploitation
- whistleblowers
- bereaved families
- citizen investigators
- advocates and moral leaders
The Fellowship is simple but profound:
We gather to recover agency, share truth, deepen courage, and support one another in the long path from harm to justice.
We are not aligned with any regulator, political system, or institution.
Our strength is our independence.
People came alive when they heard it:
“A Fellowship of truth, justice, and recovery — not a bureaucracy.”
“A place where victims are finally believed.”
“A community rooted in courage, not compliance.”
And because of the AI frameworks we’ve introduced, this Fellowship is not just emotional support — it is practical empowerment.
For the first time, ordinary people can:
- build digital dossiers
- reconstruct timelines
- detect patterns of institutional misconduct
- write letters with authority
- expose evidence regulators overlooked
- collaborate safely across cases
- turn pain into purpose
This is how movements begin.
Planning My Life: Preventing Exploitation Before It Starts
What the event also confirmed is this:
People fall into financial exploitation when they fall out of sovereignty.
Planning My Life sits exactly at this junction.
It teaches people:
- how to think independently
- how to plan their lives before planning their money
- how to identify institutional risk
- how to spot predatory sales patterns
- how to avoid product-led advice
- how to stay structurally trustworthy
- how to build a life where no adviser can mislead, confuse, or coerce them
Prevention and recovery are two halves of the same circle.
Get SAFE rescues those already harmed.
Planning My Life equips people so it never happens again.
Together, they form a complete empowerment system.
A New Model of Justice Is Emerging — Built by the People Themselves
The collective energy of the event revealed a truth that no institution dares speak:
When regulators fail, citizens take up the role of regulator.
When governance collapses, the governed take up the role of governance.
When truth is buried, truth-tellers become archivists of justice.
The movement we are seeing now is not political.
It is human.
It is built on:
- transparency
- dignity
- courage
- integrity
- collective intelligence
- and the healing power of community
These are the values Paul Moore lived and died for.
This event honoured him not by remembering his warnings —
but by continuing his fight.
Where We Go From Here
The Academy of Life Planning now carries a responsibility that is both moral and strategic:
To give people the tools to understand their lives,
their finances,
and their evidence —
so exploitation no longer survives in the shadows.
Through:
- Planning My Life (self-sovereignty)
- Get SAFEÂ (justice and recovery)
- AI-as-co-pilot (pattern recognition, empowerment, clarity)
- The Fellowship (community and courage)
- The GAME Plan (a universal cycle of intention-to-manifestation)
…we are building the world that institutions promised but failed to deliver.
A world where truth has a home.
A world where victims are lifted, not shunned.
A world where ordinary people can finally stand equal to the powers that harmed them.
A world where transparency is not a slogan —
it is a lived practice that restores dignity, agency, and hope.
This is the movement Paul Moore began.
This is the movement that rose in that meeting.
This is the movement we now carry forward.
And we will not stop until every victim finds their voice,
every truth comes to light,
and every life stolen by exploitation is honoured through justice.
In One Sentence
Goliathon turns victims of financial exploitation into confident, capable citizen investigators who can build professional-grade cases using structured training, emotional support, and independent AI.
Instant Access
Purchase today for ÂŁ2.99 and get your secure link to:
- the training video, and
- the downloadable workbook.
Link to Goliathon Taster ÂŁ2.99.
If the session resonates, you can upgrade to the full Goliathon Programme for ÂŁ29 and continue your journey toward clarity, justice, and recovery.
Every year, thousands across the UK lose their savings, pensions, and peace of mind to corporate financial exploitation — and are left to face the aftermath alone.
Get SAFE (Support After Financial Exploitation) exists to change that.
We’re creating a national lifeline for victims — offering free emotional recovery, life-planning, and justice support through our Fellowship, Witnessing Service, and Citizen Investigator training.
We’re now raising £20,000 to:
Register Get SAFE as a Charity (CIO)
Build our website, CRM, and outreach platform
Fund our first year of free support and recovery programmes
Every £50 donation provides a bursary for one survivor — giving access to the tools, training, and community needed to rebuild life and pursue justice with confidence.
Your contribution doesn’t just fund a project — it fuels a movement.
Support the Crowdfunder today and help us rebuild lives and restore justice.
Join us at: http://www.aolp.info/getsafe
steve.conley@aolp.co.uk | +44 (0)7850 102070
Academy of Life Planning 