By Steve Conley, Academy of Life Planning Trust precedes trade. Without it, economies stall, investors hesitate, and citizens lose confidence in the future. The latest survey from Quilter confirms what many already feel in their bones: nearly eight in ten people say tax uncertainty is affecting their financial planning. But what’s really going on here … Continue reading Why Tax Uncertainty is Really a Trust Crisis
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.
🧭 Auto-Enrolment’s Hidden Crisis: 10 Million Dormant Pots and the Price of Passive Saving
By Steve Conley, Academy of Life Planning “When systems are built on inertia, they collapse under disengagement.” New data released under a Freedom of Information request has revealed a shocking truth:Less than one-third of Nest’s 13.7 million members are paying into their pensions.That means nearly 10 million workers—almost half the UK workforce—have abandoned their pension … Continue reading 🧭 Auto-Enrolment’s Hidden Crisis: 10 Million Dormant Pots and the Price of Passive Saving
The Day the Banks Chose Extraction Over Trust
It was 2011.I was Head of Investments at HSBC and Chair of the British Bancassurance Association’s Steering Group in the run-up to the Retail Distribution Review. I remember sitting in those meetings, confused about why the Sales Director always accompanied me. He never said a word. At the time, I thought it was simply political … Continue reading The Day the Banks Chose Extraction Over Trust
Trust Delivers Growth — Growth Doesn’t Deliver Trust
By Steve ConleyFounder, Academy of Life Planning & Get SAFETransparency Task Force Advisory Group Member When Britain’s regulators talk about “balancing” growth with consumer protection, they reveal that they’ve misunderstood the order of cause and effect. It is trust that delivers growth — not the other way around. No economy, no company, no nation can … Continue reading Trust Delivers Growth — Growth Doesn’t Deliver Trust
The Cost of Capital: Britain’s Hidden Economic Pressure Point
Over the past five years, Britain’s weighted average cost of capital (WACC) — the average rate of return businesses must offer to attract debt and equity — has quietly surged from around 5% to over 8%, and could rise to 10% or more under a full-scale deregulation agenda. This shift matters far more than most … Continue reading The Cost of Capital: Britain’s Hidden Economic Pressure Point
🕊️ The Betrayal of the Founders: How Finance Lost Its Soul
By Steve Conley – Academy of Life Planning Every age begins with visionaries who point humanity toward freedom — and ends with institutions that turn that freedom into a business model. It happened in religion. It happened in politics. And it has happened again in finance. The pattern is ancient and precise: a truth is … Continue reading 🕊️ The Betrayal of the Founders: How Finance Lost Its Soul
🧭 When Journalism Defends Exploiters: Understanding the Psychology of Gaslighting Whistleblowers
By Steve Conley, Academy of Life Planning Every system protects itself. When someone dares to speak truth to power — particularly in a profit-driven industry — the first instinct of that system isn’t to listen; it’s to defend. We’ve seen this pattern repeat across finance, politics, and media: those who expose wrongdoing are reframed as … Continue reading 🧭 When Journalism Defends Exploiters: Understanding the Psychology of Gaslighting Whistleblowers
🧭 Affordability or Opportunity? Rethinking Why Older Workers Keep Working
By Steve Conley – Academy of Life Planning When new research tells us that “older Londoners can’t afford to retire,” it’s worth pausing to ask: is that really the full story? According to data analysed by Bower Home Finance, seven of the UK’s top ten areas where people over 65 remain in work are in … Continue reading 🧭 Affordability or Opportunity? Rethinking Why Older Workers Keep Working
🧭 Products and Services Must Be Structurally Trustworthy
Empowerment starts with trust — not just training. The Financial Conduct Authority (FCA) is right to highlight the “understanding gap” under the Consumer Duty. Speaking at the Fair4All Finance Delivering Financial Inclusion Together Conference, chief executive Nikhil Rathi said widening access to financial services without improving understanding risks “points of vulnerability where small decisions carry … Continue reading 🧭 Products and Services Must Be Structurally Trustworthy
💷 If Finance Had a Conscience, You Wouldn’t Be Paying 2p More in Tax
How Structural Untrustworthiness Forces the Public to Foot the Bill Every few years, the public is told there’s a “black hole” in the nation’s finances. Productivity has fallen. Growth has stalled. The deficit has widened.And every time, the remedy is the same: raise taxes, cut services, and tighten belts. But what if the real deficit … Continue reading 💷 If Finance Had a Conscience, You Wouldn’t Be Paying 2p More in Tax
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