Are you one of the 75% of over-45s who don’t have a financial plan and worry about outliving your capital? You’re not alone—and the good news is, you don’t have to be an ostrich anymore, burying your head in the sand when it comes to your finances. At HapNav, we’ve created something truly revolutionary just … Continue reading Take Control of Your Retirement Finances with HapNav – The Future of Financial Confidence
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.
Pensions at Risk: Are Consumers Being Let Down by the FCA’s Latest Proposals?
The Financial Conduct Authority’s (FCA) recent Consultation Paper CP24/27 – Advice Guidance Boundary Review proposes reforms to deliver "targeted support" for pension savers. At first glance, this initiative seems to promise much-needed assistance for the millions of UK pension savers navigating complex retirement decisions. However, a closer examination raises important questions about who these changes … Continue reading Pensions at Risk: Are Consumers Being Let Down by the FCA’s Latest Proposals?
The Fight for Justice in UK Financial Services: A Call to Action
When it comes to protecting consumers in UK financial services, one thing has become abundantly clear: the system isn’t working as it should. With the Financial Conduct Authority (FCA) bound by a framework that prioritises growth and international competitiveness, achieving genuine consumer justice seems increasingly out of reach. The FCA’s balancing act between protecting market … Continue reading The Fight for Justice in UK Financial Services: A Call to Action
Why We Need a Wall Between Regulators and the City
By Steve Conley, December 12, 2024 Trust is the foundation of any healthy financial system. Without it, people hesitate to invest, plan for their future, or participate in the economy. Yet, in the UK, the relationship between our financial regulators and the City raises serious questions about whose interests are being prioritised—and at what cost. … Continue reading Why We Need a Wall Between Regulators and the City
The Case for a Wall Between Advice and Product Sales
“There should be a wall, between advice and products, between advice and large institutions, and between our regulators and large institutions. We need an integrity that is impeccable. Until we actually institute a way of bringing good heart, great integrity, and a fiduciary relationship that is sustainable into the industry, we are going to fail. … Continue reading The Case for a Wall Between Advice and Product Sales
Is Ethical Investing Good for Our Security?
When we think of ethical investing, we often imagine aligning our financial decisions with our values. Avoiding harm, promoting sustainability, and supporting positive change are powerful motivators for investors who want to make a difference in the world. But what happens when those values come into conflict with pressing national and global security concerns? This … Continue reading Is Ethical Investing Good for Our Security?
Targeted Support: The Pitfalls of Prioritising Investment Sales Over Personal Empowerment
The Financial Conduct Authority (FCA) recently acknowledged a harsh truth: their new "targeted support" measures won’t deliver "perfect advice" for everyone. The initiative aims to encourage more people to invest and take on long-term financial risks. But as we dig deeper, it becomes clear that this approach prioritises financial capital over human capital, raising significant … Continue reading Targeted Support: The Pitfalls of Prioritising Investment Sales Over Personal Empowerment
Regulatory Oversight or Industry Bias? A Consumer Champion’s Perspective on the FCA Debate
The recent report by the all-party parliamentary group (APPG) on investment fraud and fairer financial services has ignited a critical debate about the effectiveness of the Financial Conduct Authority (FCA). As customer champions, we believe this discussion highlights systemic issues that cannot be ignored, especially when consumer trust and financial well-being are at stake. At … Continue reading Regulatory Oversight or Industry Bias? A Consumer Champion’s Perspective on the FCA Debate
CPD Masterclass: The Holistic Financial Planner
Workshop Content: The Holistic Financial PlannerDate: Wednesday, 11th DecemberTime: 2:00 PM – 4:00 PM You are invited to a Zoom meeting.When: Dec 11, 2024 02:00 PM London Price: FREE. Register in advance for this meeting: REGISTER HERE > After registering, you will receive a confirmation email containing information about joining the meeting. Welcome and Overview … Continue reading CPD Masterclass: The Holistic Financial Planner
Fair Value Assessments for Holistic Wealth Planners: A Practical Guide
Fair value is at the heart of delivering transparent, ethical, and client-focused financial planning services. For holistic wealth planners, especially those not bound by regulated adviser rules, understanding and implementing fair value assessments is essential to create accessible, personalised, and meaningful service offerings. Here’s a guide to structuring fair value assessments that resonate with clients … Continue reading Fair Value Assessments for Holistic Wealth Planners: A Practical Guide
Academy of Life Planning 