Three years after ChatGPT’s launch, artificial intelligence has officially come of age.
As Nick Eatock notes in Money Marketing, AI is now mainstream in financial advice—praised for efficiency, data analysis, and compliance support. But in the rush to automate, one vital question remains largely unasked:
Can AI be trusted to serve people rather than products?
At the Academy of Life Planning, that question has guided every step of developing the AI GAME Plan™—a new model for structurally trustworthy financial planning.
🔍 AI in advice: Helpful, but still system-centric
Eatock is right that AI has become a valued collaborator. Tools like report writers, meeting transcribers, and compliance assistants free human advisers for deeper client work.
But most commercial AI in financial services is built inside the same sales-driven architecture that created the advice gap in the first place.
These systems optimise for firm productivity and asset gathering, not client sovereignty.
They make advice faster, not fairer.
🧭 Structural trustworthiness: Putting the client back in control
The AI GAME Plan flips this structure. It was designed not for firms, but for people—citizens, entrepreneurs, intrapreneurs, and encore careerists—anyone seeking to design a meaningful, financially resilient life.
Its framework is structurally trustworthy because it is:
- Product-free – no bias toward any investment, fund, or provider.
- Transparent by design – all assumptions, forecasts, and calculations are visible and editable by the user.
- Client-owned – data stays in the individual’s private workspace; nothing is harvested or resold.
- Ethical and inclusive – available in 100+ languages, currencies, and tax regimes, adapting automatically to each country’s context.
- Human-capital first – addressing the 80 per cent of real wealth that lies in skills, purpose, and earning power before any financial product is considered.
This is AI that restores agency, not extracts it.
⚖️ The moral economy of Total Wealth
Conventional financial planning focuses on roughly 1 per cent of a person’s wealth—the retail investments that generate fees.
The AI GAME Plan addresses 100 per cent:
Total Wealth = Financial Capital + Human Capital – Liabilities
By modelling both human and financial capital across a lifetime, it helps users see how purpose-driven work, ethical enterprise, and mindful consumption create the foundation for long-term security.
It’s a planning system aligned with moral economy—the idea that prosperity must serve well-being, not the other way round.
🌍 Trust through universality
Because the AI GAME Plan operates in every major language and currency, it dismantles one of the biggest structural barriers in financial advice: exclusivity.
It allows someone in Nairobi, Mumbai, or São Paulo the same planning insight once reserved for private-bank clients in London.
That universality is not just technical—it’s ethical. It means no one is priced out of empowerment.
🤝 AI as conscience, not convenience
Where most industry AI tools manage compliance, the AI GAME Plan nurtures congruence—helping people live in alignment with their values.
It doesn’t replace human empathy; it scales it.
It’s not here to make advisers redundant; it’s here to make advice relevant, transparent, and just.
🧩 From captured systems to conscious systems
Eatock concludes that “technology may streamline the process, but advice will always be human first.”
We agree—and go further.
To remain human-first, technology itself must be structurally human-centred.
That’s the standard the AI GAME Plan sets: open architecture, ethical logic, and complete user autonomy.
✨ The next age of advice: structurally trustworthy AI
As AI becomes the invisible infrastructure of every advice journey, the industry faces a choice:
- Captured AI that reinforces dependency, opacity, and product bias.
- Conscious AI that empowers self-reliance, transparency, and total-wealth stewardship.
The AI GAME Plan is proof that the second path is possible—and already here.
For further details of the AI GAME Plan visit our website: www.aolp.info.
Steve Conley
Founder, Academy of Life Planning
www.academyoflifeplanning.com
Academy of Life Planning 