What the Lloyds/HBOS and Post Office scandals reveal about Britain’s “too big to prosecute” economy – and why we must build something better. When fraud kicks in your door and steals £50,000, blue lights arrive. When fraud walks through the back door of a bank and steals £50 million, nobody comes. That, in essence, was … Continue reading The Fraud We Don’t Prosecute – Because It Wears a Suit and Writes the Rules
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.
Crossing the Abyss: The Two Stages of Surrender
How the Divine Designer and the GAME Plan™ complete the same circle Over a decade ago, Richard Barrett described the five steps of soul activation — the journey from ego to purpose, culminating in surrender to the soul.Now, he describes another step: surrender to the One Mind — the field of unity beyond even the … Continue reading Crossing the Abyss: The Two Stages of Surrender
Most financial plans are built on products, not purpose
Yesterday, during our CPD Masterclass The Structurally Trustworthy Architect, a new member challenged me when I said, “Most people’s financial plans are built on products, not purpose.” He was adamant that good financial planners—like him—do factor in human capital strategies when building lifetime cashflow plans. I said, “Then you’re the first financial adviser I’ve met … Continue reading Most financial plans are built on products, not purpose
The Corruption We Don’t Prosecute — Because It Wears a Suit and Writes the Rules
By Steve Conley, Academy of Life Planning9 December 2025 The government’s new anti-corruption drive made headlines this week. Deputy Prime Minister David Lammy promised to “hunt down corrupt lawyers, accountants and bankers” — the so-called professional enablers of dirty money. It’s a strong statement. But beneath the rhetoric lies a troubling silence: the campaign targets … Continue reading The Corruption We Don’t Prosecute — Because It Wears a Suit and Writes the Rules
🧭 Plain Words, Hidden Risks: The FCA’s New Push to “Eradicate Jargon”
The Financial Conduct Authority (FCA) has announced plans to help firms “eradicate jargon” from investment disclosures — part of a wider package to make retail investing more “accessible and engaging” for ordinary Britons. On the surface, this looks like progress. After all, financial jargon has long been a tool of exclusion — designed to obscure, … Continue reading 🧭 Plain Words, Hidden Risks: The FCA’s New Push to “Eradicate Jargon”
Beyond Efficiency: Why the AI GAME Plan Is the Structurally Trustworthy Framework for Financial Planning
Three years after ChatGPT’s launch, artificial intelligence has officially come of age.As Nick Eatock notes in Money Marketing, AI is now mainstream in financial advice—praised for efficiency, data analysis, and compliance support. But in the rush to automate, one vital question remains largely unasked: Can AI be trusted to serve people rather than products? At … Continue reading Beyond Efficiency: Why the AI GAME Plan Is the Structurally Trustworthy Framework for Financial Planning
Introducing the AI GAME Plan™: Democratising Total Wealth Planning for Everyone, Everywhere
For 15 years, the GAME Plan has been the backbone of how we help people design lives of purpose, security, and freedom. Until now, it’s mainly been delivered through one-to-one work, workshops, and courses. Today, that changes. The AI GAME Plan is now live — a fully guided, AI-powered experience that helps anyone, anywhere, in … Continue reading Introducing the AI GAME Plan™: Democratising Total Wealth Planning for Everyone, Everywhere
From Moral Revolution to Moral Economy: The Next Step in Humanity’s Evolution
When Dutch historian Rutger Bregman delivered this year’s BBC Reith Lectures on the theme of “Moral Revolution,” he captured something profound: the sense that the world’s elites have lost their moral compass — and that small, committed groups of citizens must again lead the next great transformation. Bregman reminds us that history is a reservoir … Continue reading From Moral Revolution to Moral Economy: The Next Step in Humanity’s Evolution
Who Guards the Guardians?
When Regulators, Broadcasters, and Algorithms Blur the Lines of Accountability By Get SAFE — Support After Financial ExploitationA citizen-led initiative empowering victims of financial harm through truth, transparency, and technology. Written by Steve Conley, Founder of Get SAFE (Support After Financial Exploitation) — a UK-based charitable initiative empowering victims of financial harm through education, advocacy, … Continue reading Who Guards the Guardians?
🏛️ Shouldn’t the Same Facts Be Available to Customers as to Investors?
By Steve Conley, Academy of Life Planning A good friend once said, “We’re only warming up.” That feels true today — because this isn’t about attacking any bank. It’s about ensuring truth, fairness, and balance in how information is shared. Recently, we reviewed the Lloyds Banking Group Fixed Income Investor Presentation (20 February 2025). Page … Continue reading 🏛️ Shouldn’t the Same Facts Be Available to Customers as to Investors?
Academy of Life Planning 