Introducing the Total Wealth Plan™ licensing options
A quiet shift in how clients prepare for advice
More and more clients are arriving having already used AI to:
- explore scenarios
- compare options
- question fees
- and sense-check decisions
Not because they want to bypass their adviser —
but because AI now gives them agency before the meeting.
For some advisers, that feels unsettling.
For others, it feels like an invitation.
At the Academy of Life Planning, we see it as the latter.
AI isn’t replacing judgement.
It’s relocating it.
And the planners who thrive next won’t be those who resist that shift —
but those who design for it.
The real issue isn’t AI — it’s where sense-making now begins
Let’s name the thing behind the anxiety.
AI isn’t “doing advice”.
What it is doing is moving sense-making upstream.
Clients are no longer arriving as blank slates.
They’re arriving with thinking already in motion.
That creates a choice for advisers:
- React defensively to ad-hoc AI outputs
- Or offer a structured, defensible way for clients to think before advice
The Total Wealth Plan™ (AI GAME Plan™ Method) exists for that second path.
What the Total Wealth Plan™ is designed to do
The Total Wealth Plan™ is a client-led, AI-assisted planning process built on the GAME Plan™ framework.
It helps people:
- clarify goals and life direction
- explore options coherently
- understand trade-offs
- and arrive at advice conversations clearer and calmer
It is not:
- advice automation
- regulatory cover
- or a replacement for professional judgement
Instead, it creates better starting conditions for advice.
One system™, different ways of working
We’ve deliberately designed multiple licensing options, recognising that planners and clients are at different stages.
Same system.
Different ways of working.
Option 1: Client-led clarity with the Total Wealth Plan™
This is the original empowerment route.
Best for:
- Self-directed individuals
- Early-stage practitioners
- Low-volume or occasional use
What it includes:
- One-off access to the Total Wealth Plan™
- Client-owned Notion workspace
- A stable AI GAME Plan™ framework (TXT file)
- A complete, end-to-end self-discovery process
What it isn’t:
- A subscription
- An evolving platform
- A professional licence
This is a piece of thinking™, not a lifetime contract.
Option 2: Staying in the conversation as an adviser
This option exists because many advisers told us:
“I don’t want per-client friction — I want something I can stand behind professionally.”
Indicative pricing:
£149 per adviser per month
Best for:
- Active practitioners
- IFAs dealing with AI-informed clients
- Coaches and planners running this regularly
What it includes:
- Licensed use of the Total Wealth Plan™ with unlimited clients
- Access to the latest evolving AI GAME Plan™ framework
- White-label-friendly client onboarding
- A controlled, defensible process advisers can guide, not fight
This allows advisers to say:
“Yes, we welcome AI-informed clients — and here’s how we work with it properly.”
Option 3: Staying in the conversation as a firm
For small and mid-sized firms, we also offer firm-level licences.
Indicative pricing:
£495 per firm per month (up to 5 advisers)
Best for:
- Consistency across teams
- A shared client experience
- Clear governance with fewer invoices
Same Total Wealth Plan™.
Just scaled sensibly.
Why this strengthens, rather than threatens, advice
Used well, the Total Wealth Plan™ does something important:
- Clients feel heard before advice
- Advisers retain authority without defensiveness
- Meetings move from data-gathering to judgement
- Trust increases, because agency is respected
In other words:
You stop being an AI referee —
and return to being a guide.
Staying in the conversation when clients arrive AI-informed
If you’re reading this and thinking:
- “I can see this coming, but I’m not sure how fast to move”
- “I don’t want to throw away what already works”
That’s okay.
The Total Wealth Plan™ isn’t about abandoning advice.
It’s about upgrading the conversation before it begins.
AI is already at your clients’ kitchen tables.
The question is whether you meet it with resistance —
or with structure.
A steady evolution, not a forced leap
The future of planning isn’t louder, bigger, or faster.
It’s:
- clearer
- calmer
- and more human
The Total Wealth Plan™ is one way we help planners cross that bridge safely — at their own pace, and on their own terms.
If you’d like to explore which Total Wealth Plan™ licensing option fits your way of working, we’d be happy to have a conversation.
No pressure.
Just clarity.
Next steps: choosing the right Total Wealth Plan™ option
If clients are arriving AI-informed and you’d like to stay confidently in the conversation, I offer a free 15-minute clarity call for advisers and firms.
No pitch.
No obligation.
Just a grounded discussion about what’s changing — and what still matters.
Academy of Life Planning 