Yesterday, during our CPD Masterclass The Structurally Trustworthy Architect, a new member challenged me when I said, “Most people’s financial plans are built on products, not purpose.”
He was adamant that good financial planners—like him—do factor in human capital strategies when building lifetime cashflow plans.
I said, “Then you’re the first financial adviser I’ve met who truly does that.”
And I don’t believe he does.
Because including human capital in a cashflow forecast doesn’t mean plugging in salary growth and inflation until retirement. That’s not a human capital strategy—that’s a spreadsheet assumption.
Human capital, in its truest sense, is the capacity to create value through knowledge, creativity, and enterprise. It’s not a bond-like asset, as defined by traditional life-cycle models (e.g., lifetime-financial-advice). It’s a living, evolving potential—the ability to produce income through purpose, innovation, and service to others.
When I asked if he helped clients identify productive assets, leverage entrepreneurial opportunities, and create sustainable livelihoods for the 60% of humanity living in poverty, he fell silent. Moments later, his camera and microphone went off.
The rest of the group leaned in.
We explored how defined contribution pension members with inadequate pots could use encore careers to fill their income gaps. How over 600,000 UK graduates on Universal Credit could use the GAME Plan to build meaningful, income-generating vocations instead of waiting for a job market that’s already automated them out.
That’s what human capital strategy means:
Not earning more from employment, but creating more through empowerment.
The CFA Institute’s own research defines human capital as the present value of lifetime earnings. But they treat it as a static, bond-like asset—predictable, diminishing, and to be replaced by financial capital as we age.
That’s where we diverge.
At the Academy of Life Planning, we see human capital as exponential.
When a person discovers their Ikigai—what they love, what they’re good at, what the world needs, and what it will pay them for—they tap into an infinite resource.
It’s not the kind of capital that depletes with age. It compounds with meaning.
And that’s why the GAME Plan exists—to transform human potential into financial freedom, not products. Because when purpose drives the plan, the products fall naturally into place.
Most financial plans are built on products.
But the structurally trustworthy ones are built on purpose.
🧭 The AI GAME Plan
Create Your Roadmap from Survival to Freedom
The AI GAME Plan is your personalised, 40+ page blueprint for building a life of purpose, financial security, and true wealth—starting not with what you own, but who you are.
Guided entirely by AI in a private conversation conducted in your language, you’ll design your future across four transformative stages.
From uncovering your values to forecasting your finances and building daily momentum, this is not a report—it’s a revolution in self-directed planning.
💫 This isn’t generic advice. It’s your story—structured.
Your plan is built around you: your purpose, your values, your goals, your circumstances.
🎯 What You’ll Create
Stage 1: GOALS
- Define your core values and life purpose (using the Schwartz Personal Values Assessment)
- Map your Hero’s Journey — where you’ve been, where you’re going
- Craft a Purpose Statement that scores 8–10/10 for inspiration
- Write 10 daily affirmations and your 5-minute Life Script
Stage 2: ACTIONS
- Identify 3–6 major obstacles and their root causes
- Build your 90-day action plan with weekly milestones
- Establish daily, weekly, and monthly habits for progress
- Track success with clear metrics and accountability
Stage 3: MEANS
- Capture your complete financial snapshot
- Run a 30–50 year forecast showing two futures:
- Base Case: what happens if nothing changes
- Favourite Future: what happens when you execute your plan
- Define financial freedom milestones and target dates
- Create a Human Capital business plan using the 8 Ps framework
Stage 4: EXECUTION
- Implement your 7-step manifestation cycle:
Detox → Execute → Learn → Improve → Validate → Expand → Repeat - Build your daily execution rituals and weekly review system
- Set up a personal accountability structure to stay on track
📘 Your Complete Plan Includes
- 40+ page downloadable GAME Plan Report
- Written entirely in your language, using your currency, tailored to your country’s systems
- Lifetime access—update and refine anytime
🌍 Available in 100+ Languages & Currencies
Whether you’re in London, São Paulo, Tokyo, or Nairobi,
the AI GAME Plan speaks your language and understands your reality.
Your language. Your currency. Your country. Your plan.
💡 This Is For You If
✅ You’re financially stuck and ready to break free
✅ You’re capable of more but lack a clear, actionable path
✅ You want to build wealth through your skills and purpose
✅ You’re tired of generic financial advice that ignores who you really are
✅ You value honesty, autonomy, and empowerment over exploitation
💷 Investment: £297 (One-Time Payment)
Includes:
- Complete AI-guided GAME Plan conversation (all 4 stages)
- Personalised 40+ page report
- Lifetime access and updates
- Backed by 15 years of proven methodology from the Academy of Life Planning
Compare: Traditional financial planning (£1,000–£10,000+) focuses only on money—just 1% of total wealth.
The GAME Plan helps you design the full 100%—your purpose, human capital, financial capital and freedom.
🔥 Your Turning Point
Thousands remain stuck because they don’t have a plan.
You’re one decision away from clarity, direction, and momentum.
Your Favourite Future starts now.
👉 Get Your AI GAME Plan — Your Roadmap from Survival to Freedom
Academy of Life Planning 