When economists value a nation, they often compare its market value (what it’s worth in total) to its book value (the tangible assets you can see and measure). Today, that ratio is about 5:1. In other words, only around 20% of a nation’s wealth is physical—land, buildings, machinery—while the remaining 80% lies in the invisible: … Continue reading The Hidden Wealth Within Us: Why Human Capital Holds the Key to Prosperity
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.
Announcing The Knights of Aquarius: A New Order of Life Planners Who Save Lives
In a world where financial systems exploit and institutions look away, we need more than advisers. We need guardians of truth and dignity. That is why today, I am proud to announce the founding of a new order within the Academy of Life Planning: The Knights of Aquarius. 🌍 Who Are the Knights of Aquarius? … Continue reading Announcing The Knights of Aquarius: A New Order of Life Planners Who Save Lives
When Even Coders Can’t Get Jobs, The Graduate GAME Plan Becomes Essential
By Steve Conley, Founder of the Academy of Life Planning Computer science graduates were supposed to be the safest bet in the 21st-century job market. Coding was “the new literacy.” The narrative was clear: learn to program, and you’ll never be out of work. Yet today, we see talented graduates—like Eddie Hart and Colin from … Continue reading When Even Coders Can’t Get Jobs, The Graduate GAME Plan Becomes Essential
Surprise, Surprise: Pension Companies Want More Assets Under Management!
Here we go again. In its latest report, Saving Retirement: Who Is at Risk and Why?, the Society of Pension Professionals (SPP) calls on the government to extend auto-enrolment to the self-employed—those 4.3 million free spirits who, until now, have largely evaded the asset-hungry machinery of institutional pensions. And why? Because, apparently, they are “disenfranchised.” … Continue reading Surprise, Surprise: Pension Companies Want More Assets Under Management!
Goliathon: Equipping Citizen Investigators to Take on the System
“The system is stacked against victims. Goliathon puts us on a level playing field.” – Robert, Citizen Investigator Why We Created Goliathon Across the UK and beyond, thousands of ordinary people have been devastated by financial exploitation. Victims of fraud, mis-selling, and institutional neglect are too often left to pick up the pieces alone. Many … Continue reading Goliathon: Equipping Citizen Investigators to Take on the System
Options on the Table: How the Chancellor Plans to Plug the £50bn Black Hole
The October Budget is shaping up to be one of the most consequential in recent memory. Chancellor Rachel Reeves faces a fiscal shortfall of up to £50 billion, and with manifesto promises ruling out hikes to income tax, national insurance, or VAT, her gaze has turned to the property market. At the centre of discussion … Continue reading Options on the Table: How the Chancellor Plans to Plug the £50bn Black Hole
Human Capital, Inequality, and the Paradox of Progress: Why We Must Deliver the GAME Plan to Disadvantaged Communities
For decades, policymakers in the UK and across the developed world have repeated a simple mantra: more education leads to more equality. Education, we’ve been told, is the great leveller—the ladder by which anyone can rise, regardless of background. But the evidence now shows that this is, at best, only half true. A recent study … Continue reading Human Capital, Inequality, and the Paradox of Progress: Why We Must Deliver the GAME Plan to Disadvantaged Communities
How Britain Outsourced Its Way Into Failure
Sam Freedman’s new book Failed State: Why Britain Doesn’t Work and How We Fix It offers a sobering diagnosis of Britain’s broken governance. His central claim: decades of over-centralisation and reckless outsourcing have hollowed out the state, leaving public services expensive, inefficient, and unaccountable. The centralisation problem – Successive governments stripped local councils of powers … Continue reading How Britain Outsourced Its Way Into Failure
Why Investing in Continuous Training Systems Is Essential for the Age of Automation and Globalisation
“Change is inevitable, but growth is intentional.” We are living in a time where technology and globalisation are rewriting the rules of work faster than most education systems or businesses can keep up. Automation, artificial intelligence, and international competition are transforming industries and disrupting careers. In this landscape, the most valuable resource is not financial … Continue reading Why Investing in Continuous Training Systems Is Essential for the Age of Automation and Globalisation
For True Economic Growth, Government Must Invest in Human Capital Equality
The government speaks often about “growing the economy.” Yet too frequently the conversation stops at GDP, investment incentives, or headline infrastructure projects. What is missing from this vision is the single most decisive driver of long-term growth: human capital equality. A major international study of 108 countries across four decades found that economic success was … Continue reading For True Economic Growth, Government Must Invest in Human Capital Equality
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