.png)
Total Wealth Planner
™
Most people can manage their own finances most of the time with the right support.
But in times of complexity, stress, or change, it helps to have a trusted second brain on your side.
That’s a Total Wealth Planner™.
Steve Conley BSc FCII APFS
Chartered Financial Planner
So what actually makes this different?
Most financial services are built around products, investments, and managing money for you.
​
Total Wealth Planning™ is different.
​
We help you understand your options, think clearly, and make confident decisions — while you remain in control.
​
That might include:
• retirement decisions
• pensions and tax questions
• inheritance planning
• business or career changes
• understanding financial agreements
• making sense of complicated choices
• getting organised during stressful situations
Sometimes you simply need a calm, experienced thinking partner.
​
Not someone selling to you.
​Not someone taking over.
​
Just someone on your side helping you think things through clearly.
Start With the Tools
​
Many people can make good financial decisions themselves when they have the right structure and support.
​
That’s why we built simple planning tools to help you:
• explore your options clearly
• compare different scenarios
• organise your thinking
• understand risks and trade-offs
• prepare before speaking to banks, advisers, or institutions
Use them in your own time.
At your own pace.
With your own judgement.
​
You stay in control throughout.
When You Need More Personal Support
​
Sometimes life becomes more complicated.
Retirement.
Bereavement.
Divorce.
Illness.
Redundancy.
Inheritance.
Financial stress.
​
At times like these, even capable people can feel overwhelmed.
That’s when a Total Wealth Planner™ can help.
​
One-to-one support from an experienced Total Wealth Planner™ who works with you — not over you.
​
Clear conversations.
Clear structure.
No pressure.
No sales. No obligation. Just a conversation.
You don’t need more financial products.
You need clarity when decisions matter — and the confidence to choose for yourself.
​
Many people today are juggling:
• pension and retirement decisions
• tax planning and inheritance questions
• work, business, or life transitions
• financial choices that affect the rest of their lives
Even capable people can start to wonder:
“Have I missed something?”
Total Wealth Planning™ helps bring everything into view so your decisions become calmer, clearer, and more your own.
The Total Wealth Plan
A single, joined-up way to understand your life, money, and future choices.
This is planning for real life — not just money.
Tools for Clarity.
Support When You Need It.
Our planning tools can help you organise your thinking, explore options, and better understand important financial decisions.
​
And when things feel more complicated, stressful, or uncertain, you can speak to an experienced Total Wealth Planner™ for human support.
​
Simple.
Clear.
At your pace.
​
You stay in control of the decisions — always.
Three-step experience
You leave with a written plan, clearer options, and a stronger sense of direction.
What you won’t get
​
• Product sales
• Commissions
• Pressure to hand over control
What you will get
​
• Independent, conflict-free thinking support
• A plan you fully understand and control
• Professional clarity when decisions feel complex, stressful, or high-stakes
• A structured way to use AI safely and effectively as part of your own planning
You remain the authority — always.
This Approach Works Best For People Who:
• normally manage their own finances
• want clarity before making important decisions
• prefer collaboration rather than delegation
• value independent thinking over product sales
• want support without handing over control
If you’re looking for tips, products, or quick fixes, this won’t be the right fit.
Ongoing Support — Only If You Want It
Some clients simply need clarity on a particular decision.​
Others prefer ongoing second-brain support as life evolves.
​
You can choose the level of support that feels right — from occasional Second Brain Sessions to deeper Total Wealth Planning™ work.
​
No lock-ins. No pressure.
Led by a Chartered Financial Planner with over 40 years’ experience at senior levels of the profession, Total Wealth Planning combines deep expertise with a modern, agency-first approach.
Why "Total" Wealth Planning
Because your life is bigger than your finances.
​
We consider:
• Financial capital (your money and assets)
• Human capital (your skills, health, earning potential)
• Decision capital (your ability to make good choices over time)
​
Everything connected.
Everything visible.
Everything aligned.
​
Much of financial planning asks you to delegate control.
​
This approach is different.
​
It’s designed to restore and strengthen your agency — not replace it.
Traditional Wealth Management
​
• Manages your investments for you
• Charges a % of your assets (ongoing)
• Focuses mainly on financial capital
• You delegate decisions
​
​
Total Wealth Planning™
​
• Supports your thinking — you remain in control
• Fixed fees or hourly — no asset-based charges
• Considers your whole life (financial, human, decision capital)
• You make the decisions, with expert support beside you
List Title
Start with clarity
Book a short call and see whether Total Wealth Planning™ can help you regain clarity in your situation.
If it’s not the right fit, I’ll tell you — honestly and upfront.
Choose Your Path
Start with Your Free Thinking Assistant
Access the Total Wealth Plan™ AI — your personal thinking tool for life, money, and future planning.
Use it to explore ideas, organise decisions, and build your plan at your own pace.
​
Free to use. No obligation.
Your thinking. Your plan. Your agency.
Add a Second Brain — When It Matters
When decisions feel complex, stressful, or high-stakes, you don’t have to process everything alone.
From just £245 per year, you can access ongoing second-brain support to help you:
​
• sense-check your thinking
• work through important decisions
• stay clear, confident, and in control as life evolves
This includes unlimited Q&A support, so you always have somewhere to turn when you need clarity.
Contact
Address
Steve Conley
Total Wealth Planner™
9 Franklin Way
Spilsby
Lincolnshire
PE23 5GG
Phone No.
07850 102070
%20(4).png)
.png)
AoLP Approved 02/04/2025
Total Wealth Planner™ is an appointed representative of the Academy of Life Planning™. We operate exclusively under AoLP to provide Total Wealth Planning™ services, as detailed on the Academy’s website.