Why UK Financial Services Must Embrace Independent Whistleblowing Before Trust Collapses Entirely 🕯️ For the ones who spoke up—and were crushed by the system.For the ones who stayed silent—because they knew what happens to the brave.For every truth-teller this industry pretends not to hear. The Injustice Unmasked One in five whistleblowing reports in 2024 involved … Continue reading Your Money or Your Life: When Silence Costs Everything
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 Academy of Life Planning: A New Paradigm for Wealth and Wellbeing
At the Academy of Life Planning (AoLP), we start with a powerful, people-first premise: 90% of people, 90% of the time, can manage their own wealth and wellbeing — if they have the right support. Our mission is to provide that support in an empowering, ethical, and accessible way. We believe that true wealth is … Continue reading The Academy of Life Planning: A New Paradigm for Wealth and Wellbeing
Distorted Data and Dangerous Ambitions: Why the Investment Industry’s Latest Push Should Concern Us All
Another week, another investment industry survey. This time, the Investment Association (IA) is sounding the alarm that "one in five Brits lack investment knowledge." Their proposed solution? Ramp up investment product sales until 75% of the population is participating in capital markets—regardless of whether individuals have sufficient savings, whether investments are the right tool for … Continue reading Distorted Data and Dangerous Ambitions: Why the Investment Industry’s Latest Push Should Concern Us All
From Policy Capture to Public Interest: Rebalancing the FCA’s Objectives for a Fairer Financial System
By Steve Conley, Founder of the Academy of Life Planning When the Financial Conduct Authority (FCA) was established, its primary duty was clear: to protect consumers. Yet in recent years, a troubling shift has emerged—one that places industry growth above public interest, leaving victims of financial crime struggling for redress and reform. This is no … Continue reading From Policy Capture to Public Interest: Rebalancing the FCA’s Objectives for a Fairer Financial System
Breaking the Silence: How to Navigate External Gatekeepers and Raise a Serious Grievance with an MP as a Victim of Financial Crime
By Steve Conley, Academy of Life Planning When you’ve been the victim of financial crime, the journey toward justice can feel like a long, lonely road. Often, the first instinct is to turn to your Member of Parliament (MP) for help—after all, they’re elected to serve and represent their constituents. But what happens when your … Continue reading Breaking the Silence: How to Navigate External Gatekeepers and Raise a Serious Grievance with an MP as a Victim of Financial Crime
Your Money or Your Life: Why 97% of Whistleblowers Are Silenced
From truth-tellers to targets—how the system punishes the brave and protects the corrupt. For the ones who dared to speak up—and were met with silence.For the ones who uncovered fraud—and paid for it with their careers.For the ones who fought for integrity—and were labelled the problem. This is for you. The Injustice Unmasked 97%. That’s … Continue reading Your Money or Your Life: Why 97% of Whistleblowers Are Silenced
Your Money or Your Life: A System Built to Sell, Not Serve
Why the Regulator’s “Advice Revolution” Is Another Highway Robbery in Disguise In memory of the countless consumers misled, underserved, and left behind.For the dreamers who worked hard, saved harder—and still came up short.You are not the failure. The system is. The Injustice Unmasked: A System That Ignores Human Capital They call it a revolution.We call … Continue reading Your Money or Your Life: A System Built to Sell, Not Serve
Why Regulated Financial Advice Firms Should Consider Becoming an Academy Affiliate
As Consumer Duty regulations reshape the financial advice landscape, regulated firms are increasingly narrowing their focus to serve wealthier clients. While this realignment improves profitability and compliance, it also deepens the advice gap — leaving many prospective clients underserved. But what if you could still support these individuals and create a new revenue stream for … Continue reading Why Regulated Financial Advice Firms Should Consider Becoming an Academy Affiliate
Spring Statement 2025: Crackdown on Tax Advisers Risks Collateral Damage
By Steve Conley, Academy of Life PlanningMarch 31, 2025 In a bid to close the UK’s persistent £40 billion tax gap, the government has used the Spring Statement 2025 to unveil a fresh crackdown on tax advisers. But while ministers argue this is about fairness and fiscal responsibility, past experience warns us of the unintended—and … Continue reading Spring Statement 2025: Crackdown on Tax Advisers Risks Collateral Damage
Avoiding Autumn Tax Hikes: The Case for the GAME Plan
As the Chancellor prepares for an autumn Budget that may bring another wave of tax rises, it’s time to ask a fundamental question: What if the solution to the UK's fiscal crisis isn’t more taxation—but more activation? A Fork in the Road Rachel Reeves faces immense pressure: growth forecasts slashed, borrowing costs soaring, and fiscal … Continue reading Avoiding Autumn Tax Hikes: The Case for the GAME Plan
Academy of Life Planning 