For the ones who were told to just “keep working”—until they drop. You’ve seen the headlines. “Only half of adults confident of working to 70.”Cue the crocodile tears from product providers and pension giants. But look closer—and you’ll spot the trap. This isn’t about concern for the working class.It’s about selling more financial products to … Continue reading Your Money or Your Life: The Retirement Lie They’re Still Selling
Author: Steve Conley
Steve Conley brings over four decades of innovation and expertise to the forefront of financial planning. As the founder and driving force behind the Academy of Life Planning and HapNav Ltd, Steve has been a pivotal figure in transforming financial services to be more democratic and decentralised. His role as a Game Plan Practitioner, Coach, Mentor, Speaker, and Author of "Your Money or Your Life: Unmask the Highway Robbers - Enjoy Wealth in Every Area of Your Life" underlines his comprehensive approach to financial education.
The Academy of Life Planning, hailed as the "Most Pioneering Financial Planner Network," reflects Steve's commitment to fostering transparency, integrity, and accessibility. This institution serves as a testament to his dedication to enhancing the financial planning landscape.
Under Steve's innovative leadership, HapNav Ltd has launched groundbreaking advancements, including the first end-user financial planning app integrated with open banking. This app guides users towards achieving 'Kokoro'—a life rich in financial, emotional, intellectual, and spiritual abundance.
Recently, Steve introduced "Planning My Life" and "Financial Life Coach"—services that extend his ethos into practical, impactful tools for financial autonomy. "Planning My Life" offers an affordable subscription model, giving members access to an AI Life Planner, comprehensive resources, and expert insights. These initiatives epitomise Steve’s commitment to empowering individuals, nurturing community growth, and contributing significantly to global efforts to eradicate poverty.
Steve's journey is more than a career; it's a steadfast crusade to revolutionise financial education and planning, creating a world where financial wellbeing is not just attainable, but enriches every aspect of our lives. Contact steve.conley@aolp.co.uk.
Your Money or Your Life: Clean Up the City
What we must do to live with a system that treats redress from banking misconduct as just another line in a business case In solidarity with Noel Edmonds—and the thousands silenced, stalled, and sold out. They burned your business to the ground—and now they call it a “historic case.” The fraud was criminal. The impact, … Continue reading Your Money or Your Life: Clean Up the City
Your Money or Your Life: When They Come for the Sick but Let Off the Crooks
🕯️ In memory of the vulnerable—abandoned by the very system meant to protect them.For every person too sick to fight back, and for every soul pushed to the brink of despair. 🔍 The Injustice Unmasked They call it reform.They say it’s about responsibility.But we see it for what it is—an assault on the powerless by … Continue reading Your Money or Your Life: When They Come for the Sick but Let Off the Crooks
Why Choose the Academy of Life Planning?
For everyone tired of being told to “wait their turn,” for those fed up with being sold to, not supported—this is your call to action. This is the Academy of Life Planning. Not a firm. A movement. Not selling products. Empowering people. Not chasing profits. Changing lives. Welcome to the vanguard of financial transformation. A … Continue reading Why Choose the Academy of Life Planning?
Your Money or Your Life: When the Watchdog Becomes the Enabler
What happens when the last place left to turn… turns its back on you? In March 2018, Channel 4’s Dispatches aired an undercover investigation that rocked what little public confidence remained in the Financial Ombudsman Service (FOS). The revelations were devastating: Cases decided without reading the files. Staff lacking even basic financial training making binding … Continue reading Your Money or Your Life: When the Watchdog Becomes the Enabler
Deregulation—Red Tape or Red Warning?
Your Money or Your Life? When trust is already broken, should we really be handing out scissors to cut the safety net? Today, a meeting is taking place behind closed doors at Downing Street—Chancellor Rachel Reeves and eight of the UK’s top regulators have gathered to “cut red tape” in a bid to kickstart growth. … Continue reading Deregulation—Red Tape or Red Warning?
Your Money or Your Life: The Man Who Wouldn’t Be Silenced
In memory of Ian Davis, Dunshalt, Fife They stole his money.They tried to steal his voice.But even in death, Ian Davis speaks. This is not a comfortable story.It is not one with a happy ending.It is one of those stories where the villain wears a regulator’s badge and the robber walks free. Ian Davis was … Continue reading Your Money or Your Life: The Man Who Wouldn’t Be Silenced
Your Money or Your Life: Unmasking the Highway Robbers
In memory of Ian Davis—and for everyone they tried to break. They say time heals all wounds. But what about wounds that were never meant to heal—because justice was never served? Ian Davis was a victim of financial crime. A man robbed not only of money, but of hope, dignity, and ultimately, his life. Ian … Continue reading Your Money or Your Life: Unmasking the Highway Robbers
Become a Holistic Wealth Planning Business: A Future-Ready Encore Career for Financial Professionals
If you’re a financial professional feeling the weight of regulatory pressure, or a corporate adviser ready for a more values-aligned encore career, you’re not alone. Many experienced professionals in finance, particularly those nearing retirement or recovering from burnout, are rethinking their path forward. They’re asking: “Is there a way to use my skills without compromising … Continue reading Become a Holistic Wealth Planning Business: A Future-Ready Encore Career for Financial Professionals
Parallel Healing: Reclaiming Your Future While Justice Remains Elusive
By Steve Conley, Academy of Life Planning "To get over the past, you first have to accept that the past is over… It can hurt you no more."– from a Buddhist-inspired quote For many impacted by systemic injustices—like the sub-postmasters in the Horizon scandal—the past is not just a memory; it’s a weight. A wound. … Continue reading Parallel Healing: Reclaiming Your Future While Justice Remains Elusive
Academy of Life Planning 