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.

The 16 Essentials of a Life Plan: Building Your GAME Plan for Sovereign Living

At the Academy of Life Planning, we believe that true wealth begins not with money, but with meaning. Before you plan your finances, you must plan your life. That’s why we created the GAME Plan — a holistic framework designed to align your values, purpose, and resources with the life you were meant to live. … Continue reading The 16 Essentials of a Life Plan: Building Your GAME Plan for Sovereign Living →

So You’ve Found Something Rotten at Work: A Whistleblower’s First Steps

“The only thing necessary for the triumph of evil is for good people to do nothing.” Discovering malpractice inside your workplace is a jolt. One moment you’re doing your job; the next, you realise harm is being caused — to customers, to colleagues, or to the public. Your conscience won’t let you ignore it, but … Continue reading So You’ve Found Something Rotten at Work: A Whistleblower’s First Steps →

🚨 Mech Commanders Wanted 🚨

Operation Sunrise: The Dawn of the Age of Empowerment In the year 2025, the Enablers stand tall.These are not robots of steel — but systems of exploitation. They feed on ordinary people, draining wealth, crushing dreams, and leaving generations disempowered. But their time is ending.A new fleet has rolled out: The Goliathon-class Battle Mechs of … Continue reading 🚨 Mech Commanders Wanted 🚨 →

From Tragedy to Justice: Why I Built Goliathon for the Financially Exploited

[Me & Jessica on our wedding day, 20 June 2024] After watching the Footballers V11 documentary, and listening to others who’ve been financially scammed or suffered financial injustice, one thing becomes painfully clear: People have no one.They trust no one.And rightly so. So… why trust me? What can I possibly offer? Well, I’ve been there. … Continue reading From Tragedy to Justice: Why I Built Goliathon for the Financially Exploited →

When Oversight Becomes Obstruction: What Evidence Suggests About the Financial Ombudsman Service

The Financial Ombudsman Service (FOS) was created to be the independent referee — the place where consumers could seek justice when financial firms failed them. Its role is vital: to provide fairness, transparency, and accountability in a sector where trust is already fragile. Yet evidence suggests a troubling pattern of behaviour inside the organisation. Instead … Continue reading When Oversight Becomes Obstruction: What Evidence Suggests About the Financial Ombudsman Service →

Footballers Deserve Better: Why They Should Not Be Classified as High Net Worth or Sophisticated Clients

Professional footballers are too often treated by the financial system as “high net worth” or “sophisticated” investors. This classification strips them of the vital protections afforded to retail clients by the FCA and the Financial Ombudsman Service. In reality, they are among the most vulnerable groups in society when it comes to financial exploitation. Their … Continue reading Footballers Deserve Better: Why They Should Not Be Classified as High Net Worth or Sophisticated Clients →

🌍 A Vision of Global Empowerment through Life Planning

Imagine a world where every community, no matter how wealthy or resource-constrained, has access to the tools of life planning. Children in schools learn from an early age how to define their goals, recognise their talents, and align their education with purpose. Young adults no longer drift into jobs or debt without direction, but enter … Continue reading 🌍 A Vision of Global Empowerment through Life Planning →

Building Futures in El Salvador: How Life Planning is Driving Social Transformation

In late 2023, the government of El Salvador created a new national institution — the Dirección de Integración — with a bold mission: to strengthen social inclusion, reduce poverty, and foster a culture of integration across the country. At the heart of this initiative is the ADN Program on Poverty and the Culture of Integration, … Continue reading Building Futures in El Salvador: How Life Planning is Driving Social Transformation →