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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
Start with Navigator™ — Free
Most people can manage their own finances most of the time.
They don't need an adviser. They need the right thinking framework.
Navigator™ is a free planning tool built to help you do exactly that — organise your thinking, explore your options, model different scenarios, and make clearer decisions about your life and money.
Use it at your own pace. In your own time. With your own judgment.
No login required. No obligation. No upsell.
Navigator™ won't tell you what to decide. It will help you think more clearly so you can decide for yourself.
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.
This is designed for people who are already capable — and know it.
You manage your own finances. You make your own decisions. You're not looking for someone to take over.
But occasionally life throws something genuinely complex at you — a retirement decision, an inheritance, a business exit, a major life transition — and you find yourself wondering:
"Have I missed something? Is there a smarter way to think this through?"
That's when a Total Wealth Planner™ is useful.
Not as an authority. Not as an ongoing relationship. Just as a qualified, impartial second brain — available when you need one, absent when you don't.
If you're financially capable but occasionally face decisions that deserve a proper thinking partner, you're in the right place.
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.
Just need a session?
Not every situation calls for a full planning engagement.
Sometimes you simply need 90 minutes with a Chartered Financial Planner who has no product to sell, no asset to manage, and no interest in anything other than helping you think clearly.
Bring a decision. Bring a question. Bring a situation you've been turning over in your mind.
We'll work through it together — calmly, clearly, and on your terms.
Second Brain Session — £297 for 90 minutes. One focused question or decision. No obligation beyond that.
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.
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
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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.