For the past year, I’ve been building something that has gradually become much bigger than a collection of AI tools.
Today, I’m pleased to announce the launch of the new Academy OS page on the Academy of Life Planning website.
This isn’t simply a software catalogue. It represents a different philosophy about the relationship between people, professionals and artificial intelligence.
AI should strengthen people, not replace them
Much of the discussion around AI in financial planning focuses on one question:
How can advisers use AI to become more efficient?
That’s an important question.
But there is another that receives far less attention.
How can AI help ordinary people become more capable, confident and independent decision-makers?
That question sits at the heart of Academy OS.
Every application has been designed around one principle:
Restore human agency.
Not automate it away.
A growing ecosystem
The new Academy OS page brings together the expanding collection of applications developed by the Academy of Life Planning.
Some help you understand complex financial decisions.
Others help you read contracts, investigate investments, organise evidence, analyse institutional communications or build lifetime financial plans.
Together they form an integrated ecosystem designed around the real decisions people face throughout life.
Current applications include:
- My Life Record™
- Total Wealth Plan™
- Navigator™
- Control Tower™
- Ask My Pension™
- The Leveller™
- Investigator™
- BIG Checker™
- Goliathon™
- Get Secure™
- Total Community Plan™
- What’s Your Agency Score?
- Could You Become a Total Wealth Planner?
Each application is available through the platforms best suited to its purpose, including Chat Apps, Web Apps and mobile applications.
Your data belongs to you
Perhaps the most important application is also one of the simplest.
My Life Record™ introduces an idea that I believe will become increasingly important over the coming years.
Instead of your personal information living inside multiple organisations, platforms and CRM systems, your life record belongs to you.
Stored securely within your own Google Drive, you decide who can access it, for how long and for what purpose.
Your adviser may retire.
Businesses may close.
Technology will change.
Your life record remains yours.
For me, this is not simply a technical feature. It is an expression of digital sovereignty.
Life before money
Academy OS reflects the philosophy that has guided the Academy since its beginning.
Financial planning isn’t ultimately about investments, pensions or tax.
It is about helping people build lives they value.
Money matters enormously.
But it serves life, rather than the other way round.
That is why many of these applications begin not with financial products, but with values, purpose, relationships and long-term aspirations.
This is only the beginning
Some of the applications are already mature.
Others remain in beta and will continue to evolve over the coming months as members use them and provide feedback.
What matters is not perfection on day one.
It is creating an ecosystem where technology consistently strengthens people’s ability to think, understand and decide for themselves.
If AI is going to transform financial planning—and I believe it will—we have a choice.
We can use it to make institutions more powerful.
Or we can use it to make people more capable.
Academy OS has been built around the second idea.
I hope you’ll explore the new page, try the applications and let me know what you think.
Because restoring human agency isn’t a destination.
It’s a journey we’re building together.
Ready to experience Academy OS?
Explore the growing ecosystem of AI-powered applications designed to help you think more clearly, make better decisions, and stay in control of your own life.
From lifetime cashflow planning and pensions to contracts, investing, community planning and personal agency, every tool is built around one simple principle:
AI should strengthen human agency—not replace it.
Visit the new Academy OS page and discover what’s available today:
Academy of Life Planning 