The future of financial planning isn’t product-led.
It isn’t adviser-centric.
And it definitely isn’t built around hourly dependency.
It’s client-empowered, AI-supported, and life-centred.
And it’s already happening.
If you’re a financial adviser standing at the bridge between the old model and what comes next, this is your invitation to help shape it — and to stay meaningfully in the game as the ground shifts beneath our profession.
Why 2026 Changes Everything
Whether we like it or not, agency is already shifting to clients.
They now arrive in meetings with:
- AI-generated forecasts
- self-directed research
- strong opinions
- heightened emotional literacy
- and a growing expectation that they co-own their financial decisions
The era of “blank slate” clients is over.
The real question for advisers in 2026 is not:
“How do I compete with AI?”
It’s:
“How do I reposition myself when clients no longer need me for basic thinking, modelling, or structure?”
The answer isn’t resistance.
It’s elevation.
Introducing the Total Wealth Plan (AI GAME Plan v3.4)
The Total Wealth Plan is the next evolution of the GAME Plan methodology — now released in beta as an AI-guided, client-ready life and wealth planning system.
It’s built around four integrated stages:
Goals → Actions → Means → Execution
But its real breakthrough isn’t technical.
It’s structural.
Two Lanes. One Coherent Practice Model.
The Total Wealth Plan introduces a two-lane service architecture that finally resolves the tension between empowerment and professional value.
1) Life Path DIY — Done-By-You (Self-Directed)
Clients begin in a self-directed lane.
They work through the full GAME Plan at their own pace using AI guidance.
They:
- clarify values and purpose
- confront life transitions
- design income strategies
- map their financial reality
- and build a 90-day execution plan
They can pause at any time.
They can explore emotional sidetracks.
They can say:
“I need to step out of the process and talk about what I’m experiencing.”
And the AI will meet them there — without a clock running, without pressure, without embarrassment.
This is something no traditional advice model can offer.
It creates safety, depth, and self-honesty at scale.
2) Life Path Guided — Done-With-You (Practitioner-Supported)
When life gets complex, emotional, or destabilising — the system doesn’t pretend the client should “just push through”.
It does the opposite.
It explicitly prompts them to engage their practitioner for one-to-one support.
Not because they’re unsophisticated.
Not because they’re old.
Not because they’re wealthy.
But because they’re human.
Support is triggered by life events, not demographics:
- divorce or bereavement
- redundancy or business exit
- retirement transition
- inheritance or sudden wealth
- illness or identity shock
- major financial reorientation
This is when you step in.
Not as a product broker.
Not as a spreadsheet operator.
But as a mentor, guide, and sense-maker.
And you do it on an hourly, done-with-you basis.
Ethically.
Cleanly.
Without artificial dependency.
The 10x Practice Effect
Here’s the part most advisers underestimate:
Because 90% of the work is now self-serve, your effective service capacity increases dramatically.
You are no longer:
- repeating the same explanations
- manually collecting the same data
- rebuilding the same models
- dragging clients through the same emotional loops
Instead:
- AI handles structure
- AI handles pacing
- AI handles documentation
- AI handles emotional containment
- AI handles first-pass modelling
You step in only where you are genuinely irreplaceable.
The result?
You can service up to 10x more people with the same number of human hours — without burning out or diluting quality.
This is not “tech efficiency”.
This is professional leverage.
Why This Matters for Advisers at the Bridge
If you’re:
- tired of product-led pressure
- uneasy about AI replacing core planning work
- frustrated with fee resistance
- drawn toward holistic, life-centred planning
- or quietly questioning whether the old model still makes sense
Then this beta is not just a tool test.
It’s a practice re-architecture opportunity.
The Total Wealth Plan is not:
- a robo-adviser
- a compliance wrapper
- or another tech toy
It’s a new operating system for a profession that is being structurally disrupted.
Why We’re Opening This as a Beta
This isn’t finished software being “pushed” to market.
It’s a living methodology being shaped with practitioners who can see what’s coming.
We’re inviting beta participants to help us test:
- how clients experience the DIY → Guided handover
- where emotional activation naturally occurs
- when professional support becomes genuinely valuable
- how the Human Capital (80%) + Financial Capital (20%) framing lands
- how this model should be packaged commercially
- how hourly, done-with-you support should be positioned
- what quality standards should apply
- what certification and governance should look like
Your feedback will directly shape:
- the Practitioner Implementation Guide
- service templates
- pricing models
- marketing language
- QA standards
- and future accreditation pathways
Licensing & Membership (Transparency First)
The Total Wealth Plan is a licensed professional application.
Ongoing use in your practice — including:
- version updates
- technical maintenance
- methodology evolution
- practitioner guidance
- and QA standards
requires active membership of the Academy of Life Planning.
Membership starts at £24 per month.
There is no obligation during the beta phase.
The beta is about fit, coherence, and quality — not sales.
Commercial terms will only apply at formal launch.
This Is How You Stay in the Game
AI isn’t going away.
Client agency isn’t reversing.
Regulated advice margins aren’t expanding.
The only viable future for this profession is:
AI-supported.
Client-empowered.
Human-centred.
Life-led.
Practitioner-elevated.
The Total Wealth Plan is not about replacing you.
It’s about making you irreplaceable in a different way.
Download the Practitioner Implementation Guide (v1.0)
To support practitioners stepping into this new model, we’ve created a comprehensive GAME Plan Practitioner Implementation Guide (v1.0).
This is not marketing fluff.
It’s a working professional manual.
It covers:
✔ The Two-Lane Practice Model
How to structure your done-by-you and done-with-you services cleanly and ethically.
✔ Where You Add the Most Value (Stage by Stage)
Exactly when clients typically self-navigate — and when your intervention becomes genuinely transformative.
✔ Break-Out Conversations & Emotional Processing
How to support clients when the work becomes emotionally activating — without derailing momentum or turning planning into therapy.
✔ Life-Event Triggers
Why support should be triggered by what someone is moving through, not their age, wealth, or “client sophistication”.
✔ The Two-Session Means Support Model
A practical structure for guiding clients through financial complexity during transitions.
✔ Pricing & Positioning Guidance
Clear models for:
- hourly support
- fixed-fee packages
- memberships
- hybrid practices
—all aligned to the 90/90 empowerment principle.
✔ Regulatory Boundaries & Compliance
How to keep the GAME Plan clearly educational while protecting your regulated advice perimeter.
✔ Quality Assurance Checklists
What to review in each stage before a plan is considered “client-ready”.
✔ Client Conversation Scripts
Exactly how to explain the model, handle objections, and guide clients from DIY into Guided support when it’s appropriate.
👉 Download the Guide
GAME Plan Practitioner Implementation Guide v1.0
(Free for AoLP members and beta participants)
[Download the guide here]
(You can host this on your AoLP site or member portal)
Why This Matters
This beta is not about learning another tool.
It’s about stepping into a new professional operating system:
- AI handles structure, pacing, documentation, and modelling
- Clients reclaim agency and ownership
- You step in only when life becomes complex
- Your time is focused where it creates the most human value
- Your service capacity expands up to 10x
- Your work becomes deeper, not busier
The Implementation Guide is your bridge from:
“traditional adviser” → “Total Wealth Planner”
Join the Beta (and Get Full Access)
If you want to:
- access the AI GAME Plan v3.4
- download the Practitioner Implementation Guide
- participate in shaping the final service model
- influence pricing, certification, and standards
- future-proof your practice for 2026 and beyond
Step 1
Join the Academy of Life Planning
(Membership starts at £24/month)
Step 2
Email:
steve.conley@aolp.co.uk
with the subject line:
Total Wealth Plan Beta
You’ll receive:
- the v3.4 prompt file
- setup instructions
- beta testing guidance
- structured feedback questions
- and the full Practitioner Implementation Guide v1.0
Academy of Life Planning 