“Transparency is the foundation of trust — and trust is the currency our financial system has squandered.” For decades, millions of UK homeowners have believed their mortgage was owned by the bank named on their statement or Land Registry entry — Halifax, Bank of Scotland, Lloyds, or another household name.But as a new parliamentary briefing … Continue reading Who Really Owns Your Mortgage? The Hidden Truth Exposed by Cook v Lloyds
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.
Purpose on the Wall. Profit in the Hall: How to Spot the Exploiting Archetype in Empowering Clothing
🎭 The Exploiting Archetype in Empowering Clothing “Purpose on the Wall. Profit in the Hall.” Front-stage message:“Financial advice changes lives. We care. We guide. We serve.” Back-stage reality:“Financial advice sells products. We capture, we convert, we extract.” 🧩 Structural Dissection AspectFront-stage (Empowering Language)Back-stage (Exploiting Structure)Mission Statement“We help people navigate life changes with confidence.”“We train career … Continue reading Purpose on the Wall. Profit in the Hall: How to Spot the Exploiting Archetype in Empowering Clothing
Rebuilding Structural Integrity in Finance: Why Britain Doesn’t Need Higher Taxes — It Needs Higher Trust
By Steve ConleyFounder, Academy of Life Planning & Get SAFE11 November 2025 Trust Precedes Trade Is consumer protection a priority?Is economic growth important? Here’s the thing — trust precedes trade.It’s a simple truth, but one we’ve forgotten. In August 2024, the UK Supreme Court’s Hopcroft ruling confirmed that credit brokers owe no fiduciary duty and … Continue reading Rebuilding Structural Integrity in Finance: Why Britain Doesn’t Need Higher Taxes — It Needs Higher Trust
Why Loosening Bank Capital Rules Is a Risk — Not a Solution (An AoLP / Get SAFE Perspective)
In recent weeks, Bank of England (BoE) and its regulatory arm Prudential Regulation Authority (PRA) have signalled a push to relax capital requirements for UK banks. The official narrative promises “revived lending capacity” — more mortgages, more credit for small and medium-sized enterprises (SMEs), and renewed economic growth. On the surface, this may sound like … Continue reading Why Loosening Bank Capital Rules Is a Risk — Not a Solution (An AoLP / Get SAFE Perspective)
🕸️ From Empire to Exploitation: The Crown’s Hidden Hand in Financial Secrecy
How one letter to the Privy Council exposes Britain’s modern financial empire — and why Citizen Investigators are fighting back. “The soldiers left the colonies, but the bankers never did.” — The Spider’s Web: Britain’s Second Empire When The Spider’s Web first revealed how Britain’s colonial empire quietly transformed into a financial one, it shocked … Continue reading 🕸️ From Empire to Exploitation: The Crown’s Hidden Hand in Financial Secrecy
We Shall Not Be Silenced: The Citizen Investigators Rising to Reclaim Justice
Fellows of Get SAFE — Citizen Investigators, When a great wrong has been done to ordinary people, it is not only laws that must answer — it is courage, persistence and the steady work of many hands. We have chosen to stand where others have been pushed aside: to gather facts, to hold evidence, to … Continue reading We Shall Not Be Silenced: The Citizen Investigators Rising to Reclaim Justice
Regulatory Capture & the Death of Accountability: When the Regulators Regulate Each Other’s Silence, the Public Becomes the Regulator of Last Resort
By Steve Conley, Academy of Life Planning The Great Unspoken Truth Across decades of financial scandals—Post Office Horizon, Hillsborough, Watergate-in-miniature cases from Cornwall to Malta—one truth repeats itself: the institutions meant to protect us too often protect themselves. From QROPS pension victims to local government pension losses, the story remains the same. Victims face a … Continue reading Regulatory Capture & the Death of Accountability: When the Regulators Regulate Each Other’s Silence, the Public Becomes the Regulator of Last Resort
White Paper | From Hidden Credit Lines to Hidden Owners
How UK Banks Manufactured Defaults and Profited Through Unregulated SPVs Executive Summary This white paper reveals a hidden architecture within British banking that converts human distress into financial yield. Beneath the surface of ordinary mortgages and small-business loans lies a complex network of concealed credit lines, manufactured defaults, and unregulated securitisation vehicles. Together, these mechanisms … Continue reading White Paper | From Hidden Credit Lines to Hidden Owners
From City Pro to Superhuman: The Rise of the Holistic Wealth Planner
💼 The City Has Grown, But Its Soul Has Shrunk What London’s job boom tells us about the future of financial planning “London financial services jobs have risen 30% since 2019.”At first glance, that sounds like a renaissance story — a post-Brexit, post-pandemic comeback for the Square Mile. But look closer, and a different picture … Continue reading From City Pro to Superhuman: The Rise of the Holistic Wealth Planner
🤖 When Algorithms Deny Humanity: The AI Arms Race in Health Insurance — and What It Teaches Us About Financial Justice
By Steve Conley, Founder, Academy of Life Planning In the United States this winter, a quiet war is unfolding in the world of health insurance.It’s not between doctors and patients, or even between insurers and regulators.It’s between two algorithms. One denies life-saving treatment.The other fights back. This “AI arms race” is reshaping the boundaries of … Continue reading 🤖 When Algorithms Deny Humanity: The AI Arms Race in Health Insurance — and What It Teaches Us About Financial Justice
Academy of Life Planning 