Planning Lives: How to help people make a living from home.

Topic: How I made a living at home by planning other people’s lives – and ended up helping others to make a living at home. These Lessons Are Highly Applicable in Today’s Times…
The Book: Your Money or Your Life: Unmask the highway robbers – enjoy wealth in every area of your life.
The Guide: 8 Steps to Your Plan B
  FREE Guide – Go Here >>
So, what’s in this book and free guide?

By the way, the free guide  is available IMMEDIATELY right now – as soon as you register for our newsletter …

Well, here’s the back story – In 2012 – I gave up my day job to become a planner, working from home. For eight years I’ve made a living from it. Now I not only help others, I also help others learn how to help others. So, they too can make a living as a life & money planner, working from home.

Today, if you look at what’s happening in the World – everyone could do with some life & money planning during these tough times. But, UNLIKE any other time, it’s far worse. It’s so tough out there and many are losing their jobs. Meaning there’s huge demand for people to learn how to make a living by working from home.

For the last eight years, I’ve had enough money coming in every month – regardless of how good or bad the economy is. And, the money is still coming in whilst we’re all having to work from home. How? Well, my plan was to work from home helping other people plan … and now I help others … to help other people plan. So, they can have money still coming in whilst working from home.

I Focus on Planning Life and Money for people who want planning, and for people who want to learn how to plan others.

For me, I’ve been teaching the same thing now since 2012 – planning people and planning the planner. It’s the #1 way to build your life and money.  For me, it’s also an insurance policy. So, today, even though we’re stuck in our homes and so many are struggling, IF you could build your life and money by helping other people build theirs – your entire story can be very different coming out of this…

So, I’ve Written a BOOK! It Reveals How I Used planning to help people with their life and money … It’s 155 pages and it explains exactly how to use planning to build a life and build money.  It’s a 4-step system and I continue to use it every single day. We have hundreds of clients who have been through this book too.

Here’s a few things… The book released last year… It’s available on Amazon or from my website I reveal the secrets the banks didn’t want me to share… I give you 4 steps to use… This is THE #1 way to plan your life and money – period.

So, all you have to do right now to start your plan is… Go To This Page – Fill In Your Information & Download Your Guide!    
How to Get This Book?
Order this book, or
Just download the free guide ‘8 Steps to Your Plan B’ and all new entrants that week will be entered into a prize draw and one will be drawn at random who will get the book for Free! 

Simple 4-Step System How to build a life and build money with a plan.

#1 Source for Building Your Money or Your Life – The only source you really need today to start building your money or your life!
This is going to be a VERY fun read, lots to reveal, don’t miss it!  
FREE Guide + Book – Creating Life & Money >>
Enjoy the read!  Steve Conley CEO/Founder – Academy of Life Planning
P.S. – When life pushes you, push it back!   

The Times They Are A Changing: What’s the outlook for Financial Planning for the next 10 years.

Come gather ’round people wherever you roam and admit that … the old order is rapidly fadin’.

What financial planning is becoming in 2020’s is very different to what it has been. It is becoming more like … well … “planning”.

What it was – the 2010’s.

Maybe financial planning used to be very returns focused. Financial planners would talk to eager eyed punters about moving investment returns beyond market performance. The financial planner, out of necessity following a series of scams and scandals, was a financial intermediary registered and regulated by the Financial Conduct Authority, in order to protect the public from the products pushed. The financial planner was once a product pusher.

Perhaps financial planners were essentially salespeople.

Potentially their worth was all tied up in the product.

The principle value-add they placed in front of their bewildered clients was based on returns they had absolutely no control over. At any instant, they would be obsessed over whether the return line was up or down. They placed their entire worth in the products they sold and how well they did or did not do.

Possibly the goal the financial planner set for their client was making more money.

The client would ask the financial planner to “help me maximise my returns”.

The financial planner would try to beat the market. They would focus on returns. Of course, they had no control over them. So, they would take an inappropriate level of risk or handpick stocks in a fruitless effort to beat the market. They failed miserably. As half of the market always failed and those that won this year did so by luck and soon became next years failures (or cunningly hide their disappointing returns).

Their pitch was all about performance. There publications, financial pornography.

The financial planner would bore their clients talking about their products and the performance. They talked money. They talked just about returns.

When it came to the review, the conversation would be about what had happened. It would be about the performance relative to this or that. The client would talk about an aspect of their portfolio. For example, they might ask the financial planner to review their pension. The financial planner and the client, all they would care about is the stock market. The product. The investment.

The old financial planner would charge a fee contingent on a percentage of product sold plus an indecent ongoing percentage of assets under management, rarely justified by service delivered. The fee structure was vague, and the client didn’t know the full cost.

What it will be – the 2020’s.

Picture this. The new financial planner will care about their worth to the client. They will describe planning as holistic. They will care about how best to coach the client and support them with their financial plan, that’s as robust as possible.

Here, they define life goals and help the clients to make the most of their money.

Imagine this. Their worth is in the plan.

What if the new financial planner is a behavioural coach? They act as a coach and mentor to keep their clients on track with their plan. They aim to understand their client and their needs. They aim to treat their client as the customer, and not the money.

It’s all about client education.

It’s about the use of up-to-date technology.

The financial planner focuses on goals and what’s required to meet them. The focus is to make clients happier.

Using coaching skills. Building long-term relationships. Reviewing aspirations. Looking at where the client wants to get to and delivering that. Some may call it lifestyle financial planning; others call it simply “life planning”.

The new financial planner will present a financial plan, “This is your plan of where you want to get to, so how do we get there?”

The client appreciates having an actual person they can phone. In the event of divorce. Or bereavement.

Financial planners are dealing with people and their emotions.

The aim of the new financial planner is to help their clients find futures that they didn’t even know existed.

The client will ask, “Can you help me to stay in control of my emotions?”

The financial planner’s job is to understand their clients and their unique needs.

The new financial planner will charge a fixed fee based on time taken to complete the task. The fee structure is clear, so the client knows what they are paying for. There will be no conflict of interest.

Instead of looking at returns, stock-picking and timing markets, the financial planner looks at ideal life, aspirations, dreams, what if scenarios, preservation of wealth, segmenting pots by life need, managing risk-weighted returns over a life cycle through asset allocation, maintaining cash reserves, smoothing income payments and the right ownership of assets. The financial planner talks through various tax allowances and makes bespoke plans, which include lifetime cashflow forecasts.

The financial planner’s job is to help their clients understand the markets and what they mean to them. Implementing tax angles that add value along the way.

Clients are unique and no longer fit in model portfolios. Business owners and entrepreneurs have volatile incomes from their businesses. Drawdown is no longer something that just happens in retirement. Accumulation is no longer something that just happens during working life. Succession is no longer something that just happens on death.

Older clients are living longer, which bring new health and inheritance issues. Legacy is no longer just about money!

The new financial planner asks, “What’s your biggest financial fear?”

“What do you want to achieve with your money?”

The new financial planner acts as a coach. Mentor. Keeps the client on track.

The focus is on wellbeing. Rather than wealth.

The focus is to avoid the highway robbers and enjoy wealth in every area of your life.

The new financial planner communicates and explains financial concepts well. They present themselves in a professional manner. They help their clients to reach their financial goals. The plan is delivered, and the adviser helps the client to stay on track and weather the shocks.

The financial planner is a life planner, considering a wider impact that emotion may have on money and that a legacy remains of the client’s life work.

The world is to be a better place for the client having lived.

The new financial planner has a good reputation and has positive reviews. They are knowledgeable on tax and the full consequences of investing. They are approachable and easy to talk to. They are easy to get hold of. They are trusted.

The new financial planner is a fiduciary. They keep their client’s best interest in focus, without conflict of interest with unbiased advice.

The new financial planner communicates and explains financial concepts well. They have all the relevant skills and knowledge.

The new financial planner has an efficient delivery of service at the right price and with a choice of service levels.

The new financial planner says to their client, “There are good decisions you can make. They may not look good, but they are the right ones. I am here to communicate what’s going on and what it means to you.”

The new financial planner is a communicator.

As Bob Dylan once said, “The times they are a changing.”

I’m sure you would agree, if the adviser of 2010s is where we were and the adviser of 2020s is where we want to be, then we need a system, vehicle or solution to get you there.

That’s what the Academy of Life Planning delivers.

We are going through a changing role of a financial planner. What it was, was a financial intermediary. What it has become is a non-intermediating life planner.

We no longer need to intermediate. The key these days is low cost investment, low tax impact and wise asset allocation. With product management outsourced to do-it-yourself passive retail multi-asset funds on platforms, that outperform most intermediated offerings after charges.

Client’s save 1% to 2% per year on fees, which over 25 years adds 33% to 100% on their life savings.

At the Academy we deliver non-intermediating financial planning services to hundreds of clients worldwide. We also train, coach and mentor the UK’s most trusted financial planners. For details, check us out at:

AoLP Founder and CEO Steve Conley, social-media moniker WharfWizard

What’s missing from your money?

Is you!

What’s missing from your money?

Ever since money was invented, humans, unlike any other living species, have to pay to live on earth!

How money comes, how you keep it and how it goes are really important issues for you. You’d like help from people who know what’s best. And you’d really like that helping hand to act in your best interest, right? Well right now, as you read this, such help doesn’t exist.

Not anywhere.

There’s a group of us operating behind the scenes to bring it to you. But it could take us 20 to 50 years to change things.

Until then, assuming we make it till then, how do you cope, what can you do, who can you turn to?

Well that’s what this is about – I call myself the financial life coach, or fiduciary.

What’s that then?

In a fiduciary relationship, one person, in a position of vulnerability, justifiably vests confidence, good faith, reliance, and trust in another whose aid, advice, or protection is sought in some matter. In such a relation good conscience requires the fiduciary to act at all times for the sole benefit and interest of the one who trusts.

To better understand the fiduciary relationship, let me explain where it does not exist, though you would think it might. You’d expect it.

The financial services industry does not offer it. The people who run the industry place profit, their profit that is, before principles. To keep it simple, let’s refer to them as greedy bankers.

Greedy bankers!

I’m doing what greedy bankers would be doing if they weren’t being so greedy.

I call myself a financial life coach. The word Fiduciary is not such a familiar term. It’s not a term you hear every day. Why would it be? Greedy bankers prefer to keep it that way.

I would call myself a financial adviser or financial planner. But those titles are already taken by non-fiduciary financial intermediaries. What I mean by that is product sales people.

Yes, their trade bodies, professional bodies and standards boards refuse to adopt fiduciary responsibilities in their codes of conduct. I know because I reviewed all 70 of them and presented a white paper to British parliament on the subject last year. I’m an ambassador for transparency, the paper is here.

These so-called advisers and planners are simply intermediaries between you and product providers. According to their regulator, the Financial Conduct Authority, they are giving advice on, dealing and arranging deals in and managing … investments. By investment, they mean giving your money to greedy bankers.

They are not … as advertised … advising you.

They treat your money as their client, not you.

They listen to you for 82 seconds before pulling out a brochure about your money.

Then they hand your life savings to greedy bankers.

People at the FCA had good intentions about changing things back in 2013; when under the description Retail Distribution Review, they banned commissions on investments. It all became a bit of a dog’s dinner really, as greedy banker lobbyists stepped in – laid off all the retail advisers – and renamed commission as contingent adviser charges for rich people and distorted the financial markets by exempting St James’ Place as a vertically-integrated firm.

Here’s the thing.

When it comes to financial advice … an investment is seldom the best solution or even an answer to your problem. In fact, in most cases it makes the problem worse.

Let’s see … when it comes to keeping your money safe, you give it away to a greedy banker!

They steal off the top and lie to you about how much they have taken. Don’t believe me? See our submission to British parliament on costs and charges then here.

What if … you invested in yourself instead? You invested the money so you no longer had to trade your time for money. You traded your knowhow instead. You created passive income from which you never had to, or wanted to, retire. You created income from what you know and are good at. What you love to do.

Your money avoids the greedy bankers.

Just in the same way that the best book to change your life if the one you write.

Bet on yourself.

All you’ve got to lose is your best life yet. So, go ahead!

Why is it the advisers and planners never mention that one?

Taking your money away to give to greedy bankers, shackled you to a life sentence on the treadmill of work existence; exchanging time for money, taking the bet you can buy freedom in the last 16 years when your time no longer has any use to them.

You’d like to avoid greedy bankers, yes?

You’d like someone who knows the score and is on your side, yes?

Well that’s the financial life coach.

Handing money over to not-so-greedy bankers, without recourse to layers of slice taking middlemen, is sometimes required to generate real returns on life savings. You are shown how to do this, it’s as easy as online banking.

The truth is. The rewards for investing in yourself mindful of the impact on people and planet can be ten-times more profitably in the long-term; as the firms of endearment studies reveal.

The best place to find a helping hand you can trust is at the end of your own arm.

Why’s this former banker any different?

Maybe, you think life coaches are all fluff and ten-a-penny. Everyone’s a life coach, right? Promising happiness … increased performance … improved relationships … anyone with a bit of NLP training. All useful, I’m sure … for the insignificant goals we set ourselves in our limited prison of conditioned thinking.

That’s not me.

I’m a master life planner with the biggest international life planning institute … I think it also takes insider knowledge of the greedy banker system to fully expand upon your biggest dream and move you along your plan in a physical, practical way in a material world.

Let’s face it. Life coaches miss out the money.

Perhaps you see me as a former financial planner and adviser.

The compliance department asked my firm to remove me from the FCA register as I was inactive. You see you are classed as inactive if after one week you have not handed your client’s life savings to a greedy banker. And inactive advisers have to be removed from the FCA register.

Don’t get me wrong. I’m highly qualified. Chartered Financial Planner, Chartered Insurer, twice winner of the British Insurance and Investment Brokers’ Association’s Broker Prize and twice winner of the Insurance Institute of Manchester’s Jubilee Prize Certificate for my performance by examination.

But if you’re shackling clients to the treadmill by handing over their life savings to greedy bankers once a week …

Let’s face it. Financial intermediaries miss out the client.

Potentially he’s one of those unregulated con men. There’s a £4bn per annum black market in the UK open for scammers of all description that are (deliberately) left out of scope by the UK regulators (they don’t want to upset the City and see their HQs move out of London). Flogging dodgy products. Getting rich at the expense of their clients promising some get rich quick scheme that you see all over the internet. Crypto currency, property management, land, hotel rooms, parking spaces, etc.

Pension busters promising illegal access to your pension pot, falsely claiming they’ve spotted a legal loophole. Taking a chunk in charges. And sticking the balance in some dodgy property backed scheme promising high returns for low risk. It disappears. Then HMRC hit you with a tax bill you are unable to pay.

That’s not me either.

I chase those guys and send them to prison. More about that here. And I’m the CEO of Asset Recovery Network (UK) Limited.

So, who am I?

I am what others are not. I do what others should be doing and don’t. I do it … because no-body else will.

If others were really helping you, there would be no need for what I do.

I make financial life changes for the better for you.

Completely on your side. Protecting you from greedy bankers and their agents.

I open your eyes to the greatest version of yourself.

I unmask the higher-way robbers.

Together, we put in place a solid plan to get you to where you were born to be.

Zero greedy banker products are sold in the process.

You need to be told the truth. You need to be told the secrets the greedy bankers didn’t want me to share.

Practical, down-to-earth, proven, tried and tested on millions around the globe, the best financial life planning system you will ever find.

Here’s my guarantee. If you should find a better one. Let me know. I’d like to shake their hand and pass all my clients to them.

What I do is hard. It’s humiliating, gruelling, punishing, draining, exhausting and most of all expensive for me to deliver. They call me Mr Ethical, the Robin Hood of the investment industry, sometimes even a loser and dreamer. I’ve sacrificed so much … they call me stupid!

I’d be one-million pounds better off had I remained in the banks.

See. Now even you think I’m stupid.

But here’s the thing …

If I don’t do it, who will?

If not me, then who? If not now, then when?

The naysayers say to me: “If I had half the brains you have, I’d be at it too. They’re all at it. It pays, and therefore works.”

I’m not born to be a greedy banker.

I’m born to help you.

When you ignore who you were born to be you suffer pain! Real emotional pain.


Society has many remedies to numb the pain and keep you in the rat-race. TV. Politics. Internet. Games. Drugs. Alcohol. Food supplements. Water additives. Chemtrails … the list goes on.

But, the best remedy is to face the truth.

Be who you were born to be.

What you give away, will be returned ten-fold.

Not just financially. You’ll …

enjoy wealth in every area of your life.

For the next 20 years plus of greedy bankers exploiting people and planet until the millennials arrive on the boards, all you have is me. On your side. Showing you how to beat the system.

You start by attending Born to Be. Tickets here. It’s free.

What’s missing from your money?


Learn more at

Let’s Talk About Money

The Game Plan is a practical, down-to-earth method for planning your life and money. It doesn’t ask you to do anything you don’t love. It does ask you to do things that you’re good at and are well within your capability.

The Game Plan Generator has four important components, which when completed will change your life in one month. The third part of four, is where we see the dramatic change in belief and confidence in my students. This is where we talk about the money. And, this part is called the Financial Freedom Forecaster.

At ‘The Game Plan’ (TGP) one-to-one coaching programme, this is one 90-minute session, 120-minutes for couples. At Your Money or Your Life Bootcamp it’s a full day. But, always the transformation in the student is amazing; you will witness stress and anxiety altering to sheer delight.

Here’s a couple of ‘Before & After’ examples from two students brave enough to take to the stage when I asked them to join me at the last Born to Be in March 2019.

This is part of the Financial Freedom Forecaster report.

Student 1 Before TGP

Fig 1: Cash Flow Before Student 1
Fig 2: Net Worth Before Student 1

You must also remember that the ‘Before’ picture is where you are dissatisfied in all areas; mind, heart, body and spirit. Here, right now, we are simply looking at the money. The cash flow diagram (Fig 1) shows age along the horizontal and cash along the vertical. The blue bars represent enough money. The red ones, a shortfall. The black line is expenditure.

The red bars show a problem in retirement. Net Worth (Fig 2) shows that if this isn’t resolved, the student will fall in to debt in their old age or become a liability on their family (negative £2m by age 90!)

Imagine how you’d feel right now if that was you. Painful, yes? We’re about 15 minutes into the conversation in the third 90-minute session of four.

After TGP

Fig 3: Cash Flow After Student 1
Fig 4: Net Worth After Student 1

This is the picture at the end of 90 minutes.

Remember that the AFTER picture is doing what you love!

Through a few simple suggestions – that the student agrees are do-able and not too challenging – the outlook changes dramatically. We even stop trying to grow the business at age 70 as the numbers became too big to illustrate.

How do you think the student felt after that meeting? Amazing wouldn’t you say? Relieved perhaps! Jumping with joy I’d say!

The truth is, when you sell knowhow you earn while you sleep and never need to retire.

The difference in net worth at age 90 after a 90-minute conversation – was a staggering £7,500,000!

Student 2 Before TGP

Fig 5: Cash Flow Before Student 2
Fig 6: Net Worth Before Student 2

Your first impression with Student 2 might be, there’s no problem. There are no cash shortfalls in Fig 5. A financial adviser might agree, and walk away. Not that a financial adviser would be interested in this student, as they have less than £100,000 in investable assets. Not so a life planner!

Remember, ‘Before’ is doing work you may currently hate. Struggling day-in-day-out doing the same old boring job barely able to make ends meet, from 16 to 66 (50 years) on the bet you can buy freedom in the last 16 years.

Problem: This student has no money to have a bit of a life until their old age! They are simply locked in to a treadmill of work existence, struggling from one pay-cheque to the next, juggling overdrafts and credit cards, until retirement.

After TGP

Fig 7: Cash Flow After Student 2
Fig 8: Net Worth After Student 2

Here, Student 2 wanted to keep things as they were at home, until the youngest was aged 18 (in 4 years time). Then, in year four, Student 2 becomes debt free, and mortgage free, giving up the day job they dislike and living the life of dreams from then on.

The side-line business is sold in retirement for £2.5m. The difference in net worth at age 90 is £2,750,000 better off.

In both cases remember – no financial products were sold. I’m not a product salesman. I leave that to your product sales people. Anyway, 95% of stuff you can do yourself these days. I show you how to DIY the 95% on Your Money or Your Life Bootcamp, if that’s needed.

There were THREE people who took to the stage at the last ‘Born to Be’ at the Crown Hotel in Harrogate in March. The third, Student 3, decided to defer their decision to start working with me by six months. So, I don’t have their details.

Note: deferring start could cost thousands of pounds per month in the cash flow analysis. This time next year you may wish you had started today.

So, what’s your ‘Before and After’?

Is it worth you taking a couple of hours on a Sunday morning to find out more?

It’s absolutely FREE and you get refreshments included.

So, what are you waiting for? Book your place today.

Book your ticket for: ‘Born to Be’ at the Crown Hotel in Harrogate on Sunday 23rd June.


For further information see

Create Your Own Future!

mark twain2

For example, you think you’ve been saving for a happy retirement; when the only one that will get one is your banker.

Create Your Own Sunshine!

Have you ever noticed? Humans have an amazing gift. Everyone has this ability to create and manifest in the world! WOW! 7 billion people, creating and manifesting. What for themselves? HELL NO! That would be chaos.

Humans create for the unaccountable hierarchies of profit and power! This is being civilized!!

How do they do that then?

How would you do it?

Picture this. 250 years ago!

1.       I’d create something called MONEY. Print my promises to pay the bearer on worthless bits of paper and kill off the bartering economy. That’d put a stop to people creating for one another.

2.       Then I’d confiscate the common land with forced clearances around the world. Give the land to my friends and family and force commoners to pay to live on earth. Tell everyone they have to pay MONEY to live on Earth. That would put a stop to people creating for themselves.

3.       Then I’d set up creating farms in the main cities and round everyone up using the incentive of easy MONEY, people from rural areas – those that create their own stuff – and cram them in. I’d call global urbanisation ‘progress’. Then that will get loads of people creating my stuff. And, less creating their own. Anyone holding a dollar a month in their hand we can call ‘saved from poverty’, then point to these statistics to show everyone we are the good guys.

4.       But we wouldn’t want people catching on. So, I’d dumb them down at bit. Add stuff to their diets, water supply and air – stuff that we know will do the trick.

5.       Distract them a little. Get them fighting one another. We can even play the hero, saving them from those on the ‘other side’. It also has the side effect of enabling us to manage population, prevent piles of dead MONEY stacking up. When they’re not living in fear, we’ll entertain them, like the Romans did when they built the Coliseum.

6.       We’ll tag them at birth, give them a birth certificate. We’ll indoctrinate them in schools, rewarding compliance and memory for the farms. Use the certificate to know when they are ripe for the farm, give them a National Insurance number and from then on, tax them to live on earth. We’ll tax those contemplating developing critical thinking, with thirty years of crippling tuition fee debt. OK. So, one in six will fall by the wayside. We’ll hire some of them to police, the rest we’ll give addictive substances to, call them our enemy and make their life hell.

7.       OK. So, we need to fool them into thinking they’re free. Tell them they live in a democracy. Give them a couple of our boys to choose from. We can then blame the general consensus of indoctrinated citizens should anything go wrong.

8.       To make sure they don’t find out about us or the Secret, we’ll buy up all the mainstream media. Publish the distracting stories. Ridicule anyone who looks like they’re waking up from the stuff we feed them.

9.       Let’s not forget. We want them to create for us. So, we’ll set that goal for them. If you ever hear anyone suggesting otherwise, get shot of them fast. We’ll define normal. The goals is: give us your best 50 years on the bet you can buy freedom in the last 16. 

10.   It’s going to be tough as they begin to wake up and notice the destruction of the planet. We’ll use our media to deny it, threaten to remove our tax farms, get people fighting over it. Denial, doubt, distraction, delay. That should do it.

How would you find freedom?

Well I know the Secret. That’s easy. We are creators of our own manifestations. It wouldn’t be chaos if we did it. It would be a Golden Civilization, as my friend George Kinder puts it in “A Golden Civilization and The Map of Mindfulness.”

This is how I would do it:

1.       Help one another. Barter. Become more self-sustainable. Go green. Grow your own. Detox my wallet. Use money less.

2.       Use what little land you know to best effect. Respect Earth. She is our Mother, care for her. Connect with her to ground yourself. Land ownership is mental. That is, it is another bit of paper. The ruler stole it. The new ‘owner’ created greatly for the ruler for the paper and is protected by the ruler in return. Don’t be wedded to property ownership by the general populous of indoctrinated citizens.

3.       With technology, our businesses can become virtual. We can return to the place of our hearts. We no longer need the city farms.

4.       We can choose not to eat, drink and breathe that stuff. The less touched the better!

5.       We are one. Not just one species. We are made up of the same stuff as other species, the planet and each other. We share breath. We share spirit. We share the planet.

6.       Yes, we’re chipped at birth. But that doesn’t stop us from recognizing the diversity of gifts we and our children have. All gifts have a useful purpose, and we were given the gifts so that we can serve others. Gifts are intellectual, physical, emotional and spiritual. Use your gift to heal a small part of world grief. That’s your legacy.

7.       Every unit of currency you spend or invest is a very powerful vote for the change you want to see in the world! Choose wisely.

8.       Today, we have access to uncensored information via the internet. Use it. Your spirit is your intuitive guide. You will know intuitively the truth from the untruth. Your heart will tell you. Stay informed.

9.       Set your own goals. Always! Be the architect of your own life. Be the player, not the pawn.

10.   Find your truth. Breakthrough. Transform. Know the Secret. You are a creator. So, create a life you love. Create the change you wish to see in the world. Create your legacy.

Sounds easier said than done.

No, it’s easier done than said.

Remember, it’s harder to convince someone that they’ve been fooled rather than to fool.

Find out more on Facebook or on our website.
Alternatively, join us at our FREE preview event ‘Born to Be in Harrogate’ on Sunday 24th March 2019.

Available in UK – Wall Street Journal’s Favourite Retirement App

The Best Online Tools for Retirement Planning and Living
Planning for retirement? Look no further than your tablet or smartphone.
A growing array of apps and websites make it easier to complete many of the most basic—and most important—tasks, from saving money and creating legal documents to figuring out a second career and where to live.
There are tools for people nearing or in retirement, and for people just starting to think about it. There are apps that help couples set up budgets and stick to them, websites that rebalance 401(k) allocations, and calculators that offer a better-than-educated guess as to how long that nest egg is going to have to last.
Some financial programs take care of chores that are crucial for getting ready for retirement but that many financial advisers often don’t have the time or inclination to do for their clients, such as regularly sweeping cash into accounts that earn higher-than-average interest, or tracking monthly spending.There also are tools for assisting with health care, as well as help with some difficult issues that people often have trouble navigating, such as the legal, health and practical considerations involved in end-of-life planning.
A few caveats: Some of the financial websites require consumers to enter the usernames and passwords of their investment and bank accounts. Look for sites that use TRUSTe, Norton Secured Seal, or SOC 3, which verify that companies have adequate cybersecurity and privacy procedures, says Brian Costello, a vice president of information security at Yodlee Inc., which sells technology that many sites use to import data from users’ accounts.
Be aware, too, that many free programs make money by recommending products.
What follows are free or mostly low-cost programs that can help individuals and families better prepare for and get more enjoyment out of retirement.
What Will You Do in Retirement?As baby boomers near the end of their careers, more Web services are helping them think about how they want to spend their time in retirement.
Our favorite:, which offers a free series of introspective exercises. The site also provides links to financial planners trained in “life planning,” which focuses on helping clients clarify their goals, values and priorities before planning their finances. (It receives no compensation for the referrals, says George Kinder, founder of the Kinder Institute of Life Planning, which developed the website and trains financial advisers in life planning.)
One exercise asks three questions: What would you do if you had all the time and money in the world? How would you live if you knew you had only five to 10 years left? And what would you most regret if you died tomorrow?
The goal: “To lead people to a deeper and deeper understanding of what’s most important to them,” says Mr. Kinder.
The site pushes users to come up with concrete goals they can achieve within weeks. For example, someone who dreams of moving to Vermont might pledge to research towns and discuss telecommuting with an employer, says Mr. Kinder.
An alternative:, an AARP website that offers free online tutorials on topics including setting goals and career planning. Developed by experts including author and executive coach Richard Leider, the program includes free 90-minute “checkups” for as many as 25 participants in locations nationwide. AARP is developing longer workshops and in 2015 plans to offer one-on-one online sessions with coaches for about $125 an hour.
Longevity Forecasting
People often underestimate how long they are going to live, which can cause them to overestimate how much they can spend each year in retirement. For many, the mistake lies in overlooking advances in health care that improve their odds of living longer than their parents did.
For an estimate that incorporates health, habits, socioeconomic status and family history, there are life-expectancy calculators such as and How Long Will I Live? The latter was developed by professors at the University of Pennsylvania.
Our favorite is from Blue Zones, a company that studies regions with exceptional longevity and advises companies and communities on ways to improve the health of their employees and inhabitants. (Search for “Vitality Compass” in the “Live-Longer” section at In addition to life expectancy, the calculator can forecast healthy-life expectancy, defined as the age someone will reach before being diagnosed with heart disease, diabetes or cancer. As a result, it can provide insight into the number of years a person might pay higher health-care or long-term-care expenses. It also offers tips for living longer.
Developed with the University of Minnesota School of Public Health, the calculator is powered by an algorithm that takes into account 29 factors that 314 academic studies have linked to life expectancy, says Nick Buettner, Blue Zones’ community and corporate program director.
How Much to Save
Even with a realistic estimate of life expectancy, it’s virtually impossible to figure out how much to save for retirement or how long a nest egg might last without first knowing how much you’re spending and on what.
Several programs, including Mint and Yodlee’s MoneyCenter, can put together a budget for consumers based on their past spending patterns and alert them when they are in danger of exceeding past thresholds.
The services automatically import data from credit cards, loans, and bank, brokerage and 401(k) accounts. If a customer puts all of his or her purchases on credit and debit cards, the services can break down the spending into categories, such as utilities and groceries, and can even track amounts of spending at specific stores or on specific items.
A growing number of these sites also function as retirement calculators. Mint can project people’s retirement income based on what they have saved and what it figures they will save, given their habits. The service is free but earns a referral fee when users buy products and services, such as bank accounts and credit cards, from advertisers. Starting later this year, rival HelloWallet plans to offer the same basic service—and allow users to model what will happen if they work longer or put more into a traditional or Roth 401(k) or individual retirement account or a health-savings account. The service is available free through some employers, or for $100 a year.
Many services also try to help consumers save more money. HelloWallet computes a financial wellness score for each user, offers a comparison with scores of peers, and recommends ways to improve the score.
Retirement Income Planning
When planning retirement, saving money is half the battle. The other half: figuring out how to generate a steady paycheck throughout retirement.
A growing number of online tools can help. They include robust financial-planning software programs available from companies including Fidelity Investments and Morningstar Inc. that recommend what to invest in and withdrawal strategies. (Morningstar’s service, Retirement Manager, is available through some employer-sponsored defined-contribution plans.)
Because each has pros and cons and is programmed with different assumptions, it’s ideal to try more than one, says Anna Rappaport, chairperson of the Society of Actuaries committee on postretirement needs and risks.
Some recommend a specific approach to investing. For example, Fidelity’s Income Strategy Evaluator, available free, often recommends annuities for those unable to cover basic living expenses with guaranteed sources of retirement income, including Social Security and a pension. (Fidelity sells its own annuities, as well as offerings from companies including MetLife Inc. and New York Life Insurance Co.)
Our favorite income-planning tools—ESPlanner from Boston University economist Laurence Kotlikoff, and Retiree Income from Baylor University Prof. William Reichenstein and co-founder Bill Meyer—combine income and tax planning, an area that not all such tools address.
These services aren’t free. Three phone sessions with a Retiree Income adviser cost from $500 to $2,500. (The greater your assets, the higher the fee.) Retiree Income plans to introduce a do-it-yourself version on its website starting at about $20 a month in early 2015. ESPlanner starts at $149 for the first year plus $50-a-year updates. It offers guidance from an adviser on the phone for $150 an hour. For $500, an adviser will run the program.
“Our research has shown that an optimal Social Security strategy, combined with tax-efficient withdrawals, can extend the life of a portfolio by as much as 10 years or longer,” says Prof. Reichenstein. One caveat: The recommendations sometimes call for deferring Social Security to maximize those benefits and reap tax savings.
Social Security Planning
Not everyone depends on Social Security benefits to cover essential living expenses, but no one should pass up the opportunity to maximize those benefits if they can. The tricky part is knowing when is the best time for each individual to start collecting. A growing number of online programs aim to help users peg the optimal claiming strategy.
For couples, the claiming decision can be especially complicated because of the availability of spousal benefits and the need to consider the financial security of the survivor. Because benefits will rise by 6% to 8% for every year you delay claiming between the ages of 62 and 70, those who claim early may reduce the lifetime benefits they (and their surviving spouses) stand to receive by “tens of thousands of dollars,” says Christopher Jones, chief investment officer at Financial Engines Inc., which offers a free calculator.
Our top pick?, which charges from $20 to $250 (depending on the level of advice). This user-friendly site takes into account a wide variety of household configurations as well as the impact that many other sources of retirement income can have on Social Security benefits.
Medical Care
From quick consultations to second opinions, more Web-based companies offer virtual medical visits via text messages, email, phone and video.
Most services, including Teladoc and MDLive, are mainly for routine conditions, such as rashes, sports injuries and the flu. At Doctor on Demand Inc., patients who answer questions about their medical histories are typically connected with a primary-care doctor within two minutes, says Chief Executive Adam Jackson. The site’s 1,400 physicians can write prescriptions. The cost, which some insurers will cover, is $40 per visit.
For more serious conditions, Grand Rounds Inc. offers second opinions. The site has contracts with more than 1,000 specialists affiliated with facilities including Harvard Medical School. Mainly offered by employers, it is free to those who get it as an employee benefit. Otherwise, it costs $7,500 per medical case—and insurance generally doesn’t pick up the tab. That means if a patient contracts with the service in connection with a hip replacement, and gets cancer the next day, he or she would have to pay another $7,500 for help with that condition.
The service is intended “for complex cases where outcomes are going to be dramatically different based on expertise,” says Owen Tripp, chief executive of Grand Rounds. The service can give referrals to local doctors and book appointments. Aside from providing second opinions, the specialists help plan care and answer follow-up questions, he says.
Worried about mom or dad’s spending? New Web tools can give caregivers almost real-time oversight.
One free app, BillGuard, sends a person’s debit- and credit-card charges to a mobile inbox, where that person—or a designated caregiver—can monitor the transactions. There is typically a one-day lag between the transactions and the time when they appear in the inbox.
A caregiver keeping close tabs can use that information to cancel transactions or request refunds, says Yaron Samid, founder and chief executive. BillGuard also sends alerts about purchases from specific merchants that its algorithms and one million users have identified as scams.
For more control, True Link Financial Inc. offers a service with a prepaid debit card for $10 a month through which caregivers can monitor charges and block spending at specific merchants or charities, or on whole categories—sweepstakes, for example.
Estate Planning
A handful of sites offer a blueprint for estate planning, including a list of the documents that are generally needed in addition to a will.
One of the most comprehensive,, explains how to complete documents such as health-care proxies and powers of attorney that appoint people to make medical and financial decisions on behalf of someone who becomes incapacitated. It has links to standard versions of these documents for all 50 states plus the District of Columbia and discusses living wills, do-not-resuscitate orders and some types of trusts. The site also sends emails to urge users to take specific steps, such as uploading or completing documents.
For $75 a year, users receive five gigabytes of storage for documents on the site. Users frequently upload copies of items their beneficiaries will need, including insurance policies, Social Security cards, bank account numbers, online usernames and passwords, and contracts with funeral homes and cemeteries. Some users even include explanations of their wills, says Abby Schneiderman, the site’s co-founder.
The site requires users to name deputies to receive access to the information. It also recommends companies that provide wills and life insurance, although it currently receives no payment from those companies, says Ms. Schneiderman. Similar websites include Principled Heart.
End-of-Life Care
Making decisions in advance about what health care to receive at life’s end can be difficult. But people who don’t address the issue can leave loved ones guessing at critical times.
Moreover, “when these discussions take place in a crisis, conflict can emerge, including sibling rivalry,” says Harriet Warshaw, executive director of the nonprofit Conversation Project, one of a handful of initiatives dedicated to making it easier to talk about the topic.
Co-founded in 2010 by Pulitzer Prize-winning journalist Ellen Goodman, the Conversation Project offers a free “Conversation Starter Kit” that poses questions including: How much information do you want your doctor to share with your family? And are there important milestones you want to reach? There’s also advice on talking with doctors about these issues.
While 90% of Americans say it’s important to discuss end-of-life medical care, only 27% actually have the talk, says Ms. Warshaw. “Nobody wants to have these conversations, which is why people do not have more control over the way they live at the end of their lives. “We want to give people the courage and confidence to broach the subject.”
Sick of earning next to nothing in interest? Once a month, will automatically sweep cash from a checking account at one of five brick-and-mortar banks into one or more FDIC-insured savings accounts at online banks with above-average interest rates. Currently, those banks pay between 0.75% and 1.05%, versus the 0.09% national average for money-market and savings accounts. Max’s annual fee: 0.08% of total assets in the online bank accounts. The brick-and-mortar banks are Bank of America Corp., J.P. Morgan Chase & Co., Citigroup Inc.’s Citibank, Wells Fargo & Co. and First Republic Bank.
Another good way to save more is to pay less in fees. According to Vanguard Group, over a 40-year career, someone who invests 9% a year of a salary that starts at $30,000 into a balanced fund and pays 0.25% a year in fees will save 20% more than a person who pays 1.25% in fees. can help. The free site shows how much in dollars a user is paying in fees each month, and projects the cumulative lifetime cost of those fees. It identifies fees paid to financial advisers, brokerage firms, 401(k) plans, and mutual funds, and suggests similar, but lower-cost, funds.
For 401(k) advice, check out (with three O’s). For $1 to $15 a month,’s algorithm picks what funds to invest in from a customer’s 401(k) plan menu—and makes the trades for them. And every three months, the service rebalances the portfolio to a target mix of stocks and bonds that becomes more conservative over time, says CEO Chris Costello. One caveat: With a recommended 80% allocation to stocks for someone 10 years from retirement, the service is for those comfortable with equities.
Ms. Tergesen is a reporter for The Wall Street Journal in New York. She can be reached at