TOTAL WEALTH PLANNER™
Your life. Your plan.
Your operating system.
You make decisions about life and money every day. Academy OS helps you see the whole picture, organise what matters, explore your options and keep your plan alive as circumstances change.
When a decision becomes complex, stressful or consequential, bring in a Total Wealth Planner™ to help you think it through. You remain in control of your information, your choices and your next step.
Your OS stays with you.
Dial professional support up or down as life requires.
Steve Conley BSc FCII APFS
Chartered Financial Planner
Former Head of Investments at HSBC
Founder, Academy of Life Planning
Working alongside Academy OS™
AI-powered intelligence for human-led financial planning.
Planning online throughout the UK,
with in-person appointments in Lincolnshire.
WHAT STAYS WITH YOU
A plan you can use between conversations
Financial planning should not live in a report that becomes out of date or in a professional's private system. Your Academy OS helps you keep track of your life, money, priorities and decisions in one continuing process.
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See the whole system. Bring your finances together with work, health, relationships, responsibilities, time and purpose.
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Explore before you decide. Use AI and planning tools to ask better questions, compare possibilities and make assumptions visible.
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Keep your own record. Use My Life Record to organise what you know, what you have decided and what needs attention next.
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Know when to ask for help. Bring a question, a plan or an AI output to a professional when the stakes justify another pair of eyes.
AI can help you explore. It can also miss context or sound more certain than the evidence allows. You remain the decision-maker.
Keep your OS. Adjust your support.
Most of the time, you can do the ongoing work of planning for yourself with the right tools and support. When life becomes more complicated, the dial lets you bring in more human expertise. When clarity returns, you can turn it back down.
90% of people, 90% of the time, can manage their own finances with the right support.
These are settings, not stages you must climb. You can move in either direction, or use focused help for one question. Academy OS remains yours at every setting.
Where a planner adds value
Bring me the problem, not the portfolio.
You might already have a plan, research or an AI-generated answer. A Total Wealth Planner™ helps you examine what it assumes, what it leaves out and how the pieces of your life affect one another.
Together, we can organise a complicated situation, test the options, spot avoidable mistakes and identify where regulated advice or another specialist is needed. You leave with a clearer decision and a plan you can continue using yourself.
The value of the planner is in the capability you gain, not in keeping your information or decisions out of reach.
Choose what you need now
Start anywhere. Change your support when life changes.
A decision in practice
“Can I afford to work less?”
The answer involves more than a pension balance. Your income, outgoings, health, energy, caring responsibilities and the work you want to do next all matter.
You begin in Academy OS by setting out the question and exploring possible futures. A planner helps you test assumptions, examine the trade-offs and recognise any tax, pension or other specialist question requiring expert input. You decide what to do, record why and revisit the plan as life changes.
This is planning you can carry forward, not a decision made for you.
About Steve
Human judgement when it matters
I’m Steve Conley, a Chartered Financial Planner and founder of the Academy of Life Planning. After more than 40 years in financial services, I believe professional expertise creates the most value when it helps someone understand their situation and make their own decisions with confidence.
I use Academy OS with you to see the wider picture, test important assumptions and work through complexity. When a matter calls for regulated advice or another specialist, I help you recognise that boundary.
Contact
Address
Steve Conley
Total Wealth Planner™
9 Franklin Way
Spilsby
Lincolnshire
PE23 5GG
Phone No.
07850 102070