Author: Steve Conley

Steve Conley is the founder of the Academy of Life Planning, a movement dedicated to restoring human agency in financial planning and helping people navigate life's decisions with greater confidence, capability and independence. With over 40 years' experience in financial services, Steve has held senior leadership roles with HSBC, Royal Bank of Scotland, Santander and Royal London. A Chartered Financial Planner and Chartered Insurer, he combines deep industry expertise with a passion for challenging systems that leave people unnecessarily dependent on experts. Steve believes the future of financial planning is not about replacing advisers with artificial intelligence, but using AI to strengthen people's ability to understand, question and make informed decisions for themselves. This philosophy underpins Academy OS, a growing ecosystem of AI-powered tools designed to help individuals, families and planners build capability rather than dependency. Through the Academy of Life Planning, Steve works with financial planners, organisations and individuals who share a vision of a more transparent, ethical and human-centred approach to planning. His work spans education, research, technology, speaking and professional development, with a focus on creating practical solutions that improve financial capability and restore confidence in decision-making. Steve is also the creator of the Total Wealth Planner approach, which recognises that a fulfilling life depends on far more than money alone. By integrating financial, personal, social and purpose-driven wellbeing, he helps people pursue what he calls "enough"—a life of balance, resilience and meaning. As a speaker, mentor and author of *Your Money or Your Life: Unmask the Highway Robbers*, Steve continues to challenge conventional thinking about financial planning, arguing that the profession's greatest opportunity is to move beyond advice alone and become a catalyst for greater human agency. To learn more or connect with Steve, visit the Academy of Life Planning or email steve@academyoflifeplanning.com.

Why Asking About the Purpose of Money Matters More Than You Think

Recently, one of our members attended a meeting with 100 advisers run by a well-known asset manager. During the session, they asked a simple yet profound question: “Does anyone in this room ask for the purpose of the money?” To their surprise, the question was met with a resounding "no," even from the meeting facilitator. … Continue reading Why Asking About the Purpose of Money Matters More Than You Think →

The GAME Plan: Developing Human Capital for Your Future Success

In a rapidly changing world, planning your life and building the financial architecture to support it has never been more crucial. This is where the GAME Plan—Goals, Actions, Means, and Execution—comes into play. It's a holistic approach that not only helps you envision an inspiring future but also equips you with the tools to turn … Continue reading The GAME Plan: Developing Human Capital for Your Future Success →

Embracing the Longevity Imperative: How Richard Used the GAME Plan to Redefine His Life

In today’s rapidly evolving world, our understanding of life’s trajectory is shifting. The concept of longevity—living longer, healthier, and more fulfilling lives—presents unique opportunities to reimagine our futures. Richard Morrissey’s story is a compelling example of how to make the most of this longevity imperative. He embraced a holistic approach to wellbeing, and with a … Continue reading Embracing the Longevity Imperative: How Richard Used the GAME Plan to Redefine His Life →

Are You Missing Out on a Pension Windfall? The Government Might Owe You Thousands – But Only If You Ask

It seems that thousands of us may be sitting on a financial goldmine and not even know it. Yes, you read that right – the Government might owe you, or your dearly departed relative, a small fortune in state pension underpayments. But here’s the kicker: they won’t give it to you unless you ask. Imagine … Continue reading Are You Missing Out on a Pension Windfall? The Government Might Owe You Thousands – But Only If You Ask →

Unlocking the Midlife Side Hustle: Your GAME Plan to Financial Freedom

Ah, midlife. That glorious stage where you finally have it all figured out—until you don’t. Suddenly, the career that once seemed like a golden path to retirement now feels more like a treadmill to nowhere. Your kids (if you have them) are growing up, your parents (if you’re lucky enough to still have them) are … Continue reading Unlocking the Midlife Side Hustle: Your GAME Plan to Financial Freedom →

Happiness at Work: A Win-Win for Employers and Employees

In today’s fast-paced world, creating a happy workplace isn’t just a nice-to-have; it’s a must for businesses that want to thrive. While pay and conditions are essential, they’re just part of the picture. The softer aspects of work—like emotional well-being, values alignment, and personal growth—are equally crucial. And when employers invest in these areas, the … Continue reading Happiness at Work: A Win-Win for Employers and Employees →

The Evolving Landscape of Financial Advice: What “Independent” and “Restricted” Really Mean Today

The words "independent" and "restricted" have been used for years to distinguish different types of financial advisers. But today, these terms are losing some of their meaning. The reason? Almost all financial advisers, whether they call themselves independent or restricted, are now relying on centralised investment propositions or outsourcing to third-party providers. This means that … Continue reading The Evolving Landscape of Financial Advice: What “Independent” and “Restricted” Really Mean Today →

Capture and Share Your Life Stories with “The Times of My Life” App: A Key to Comprehensive Life Planning

Capture and Share Your Life Stories with “The Times of My Life” App: A Key to Comprehensive Life Planning When we think about life planning, the focus often lands on financial security, career goals, and health management. But what about the emotional and spiritual facets that make us who we are? The stories we live, … Continue reading Capture and Share Your Life Stories with “The Times of My Life” App: A Key to Comprehensive Life Planning →

The Importance of Coaching for Holistic Financial Planners: A Path to Empowering Clients

In the evolving landscape of financial services, the distinction between an adviser and a coach is becoming increasingly relevant. As holistic financial planners and life planners, understanding this difference is crucial for delivering meaningful and lasting impact to your clients. Adviser vs. Coach: What’s the Difference? From a client’s perspective, the role of an adviser … Continue reading The Importance of Coaching for Holistic Financial Planners: A Path to Empowering Clients →