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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 one-to-one expert support you can trust.
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.
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Total Wealth Planning™ is different.
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We help you understand your options, think clearly, and make decisions with confidence — while you stay in control.
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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 second opinion.
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Not someone selling to you.
​Not someone taking over.
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Just someone on your side helping you think things through properly.
Start With the Tools
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Many people can make good financial decisions themselves when they have the right support.
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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.
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You stay in control throughout.
When You Need More Personal Support
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Sometimes life becomes more complicated.
Retirement.
Bereavement.
Divorce.
Illness.
Redundancy.
Inheritance.
Financial stress.
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At times like these, even capable people can feel overwhelmed.
That’s when a Total Wealth Planner™ can help.
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One-to-one support from an experienced expert who works with you — not over you.
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Clear conversations.
Clear thinking.
No pressure.
No sales. No obligation. Just a conversation.
You don’t need more financial products.
You need clarity when decisions matter.
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 decisions become calmer and clearer.
The Total Wealth Plan
A single, joined-up way to understand your financial life. Helping you:
This is planning for real life, not just finances.
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.
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And when things feel more complicated, stressful, or uncertain, you can speak to an experienced Total Wealth Planner™ for extra support.
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Simple.
Clear.
At your pace.
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You stay in control of the decisions.
A simple, three-step experience
You leave with a written plan and a clearer path forward.
What you won’t get
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• Product sales
• Commissions
• Pressure to hand over control
What you will get
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• Independent, conflict-free thinking
• 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 in your own planning
You stay in control — 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
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 thinking support as life evolves.
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You can choose the level of support that feels right — from occasional Second Brain Sessions to deeper Total Wealth Planning™ projects.
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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, client-first approach.
Why "Total" Wealth Planning
Because your life is bigger than your money.
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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)
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Everything connected.
Everything aligned.
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Most financial planning takes control away from you.
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This approach is different.
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It’s designed to strengthen your agency — not replace it.
Traditional Wealth Management
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• Manages your investments for you
• Charges a % of your assets (ongoing)
• Focuses mainly on financial capital
• You delegate decisions
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Total Wealth Planning™
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• Supports your thinking — you stay 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
List Title
Start with clarity
Book a short call and see whether Total Wealth Planning™ would help 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 and financial planning.
Use it to explore ideas, model decisions, and build your plan at your own pace.
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Free to use. No obligation.
Your thinking. Your plan. Your control.
Add a Second Brain — When It Matters
When decisions feel complex, stressful, or high-stakes, you don’t have to think it through alone.
From just £245 per year, you can access ongoing support — a professional second brain to help you:
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• sense-check your thinking
• work through important decisions
• stay clear and confident as life evolves
This includes unlimited Q&A support, so you always have somewhere to turn when it matters.
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.