Try the Total Wealth Plan, for free For decades, financial planning has largely begun with the same question: “How much money do you have?” But perhaps the more important question is: “What kind of life are you trying to build?” Today, the Academy of Life Planning is launching a free AI-powered Total Wealth Plan service … Continue reading The Launch of Total Wealth Plan: AI-Powered Planning for Life, Not Just Money: FREE | PRIVATE!
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.
Total Wealth Plan v6.0 and the Emergence of Human Agency Infrastructure
For much of the past half century, financial planning technology has been built on a relatively narrow assumption: that the individual sitting in front of the system is fundamentally stable. Stable income, stable employment, stable identity, stable direction. The task of the software, therefore, has largely been to optimise financial efficiency around an already functioning … Continue reading Total Wealth Plan v6.0 and the Emergence of Human Agency Infrastructure
Prevention Over Cure: Why the Future of Financial Protection Starts With Human Agency
There is a quiet assumption shaping much of modern financial regulation: If institutions behave better, outcomes will improve. It’s a reasonable assumption. But it is incomplete—and increasingly insufficient. Because while institutional development has advanced—more rules, more oversight, more compliance infrastructure—the lived experience on the ground tells a different story: Harm continues Redress remains partial And … Continue reading Prevention Over Cure: Why the Future of Financial Protection Starts With Human Agency
Why Human Agency Must Be Grown, Not Built
What Anthropic’s culture reveals about the future of financial planning In a recent investment note, Anthropic describes its own technology in unusual terms. Its models, we are told, are “grown more than built”. It is a striking phrase. Not because it is poetic, but because it is precise. It signals a shift away from the … Continue reading Why Human Agency Must Be Grown, Not Built
Targeted Support Is Not the Same as a Life Plan
Why better nudges don’t replace better thinking—and why human agency matters more than ever There is a quiet shift underway in financial services. Providers are moving from passive information delivery to something more active—what the regulator now calls “Targeted Support.” The intention is clear: use data, behavioural insight, and simplified communication to help people make … Continue reading Targeted Support Is Not the Same as a Life Plan
AI Will Not Save Financial Advice — It Will Replace the Need for It
What McKinsey gets right—and what it means for restoring human agency A recent McKinsey & Company Quarterly article makes a quietly radical point. Despite near-universal adoption of AI across business functions, most organisations are not seeing meaningful value. The reason is not technological. It is strategic. Companies are focusing on productivity. And productivity, history shows, … Continue reading AI Will Not Save Financial Advice — It Will Replace the Need for It
Stepping Stones to Nowhere? Or the Quiet Shift from Advice to Agency
Most careers in financial services begin the same way. You learn the system.You build experience.You move closer to “advice.” Each step feels like progress. And for a long time, it was. But what if the path hasn’t changed… and the world has? The traditional model was built on a simple assumption: Clients need experts to … Continue reading Stepping Stones to Nowhere? Or the Quiet Shift from Advice to Agency
The Quiet Question Emerging Inside Financial Advice
There’s something shifting in the profession. Not loudly.Not in headlines or strategy decks.But in conversations — often behind closed doors, or in passing remarks that don’t quite get finished. A different kind of question is starting to surface. Not about products.Not about performance.Not even about regulation. But about role. The Question Beneath the Model Across … Continue reading The Quiet Question Emerging Inside Financial Advice
Transfers Are Regulated. Outcomes Are Not.
A quiet gap in the system—and why it matters now There is a pattern emerging in the stories we see. Different people.Different advisers.Different jurisdictions. But the structure is remarkably consistent. A pension leaves the UK system.Multiple parties are paid along the way.And when things go wrong—no one appears to own the outcome. This isn’t a … Continue reading Transfers Are Regulated. Outcomes Are Not.
Most People Don’t Read the Contracts They Sign.
Most People Don’t Read the Contracts They Sign. That’s Not a Personal Failure — It’s a System Design Problem. By the Academy of Life Planning A recent consumer survey of over 50,000 people by Survey Pop asked a simple question: How often do you read the fine print on a contract? The answers should give … Continue reading Most People Don’t Read the Contracts They Sign.
Academy of Life Planning 