Most financial planning advice is attached by the investment industry to an investment adviser's investment recommendation. For most people, regulated investment advice is the only financial advice they get. Even tax planning advice is elusive, given that most people's accountants do their tax returns and nothing more. But investment advice is not financial planning. No one advises on the other financial matters. Until now.

Advice-only planners offer conflict-free advice. The client will receive financial planning but no investment recommendation. When you use an advice-only planner, there is a wall between the financial plan and the investments used to reach the financial goals. The fees paid are transparent and disclosed. It is a direct arrangement between the client and the planner.

The services on offer to consumers from the Academy of Life Planning Limited are classed as generic advice, financial information, and financial education. The services offered to planners contain coaching, training, mentorship, and ongoing support on the services. We call these services advice-only financial planning.

The information contained on this website is the opinion of the individual authors based on their personal observation, research, and years of experience. The publisher and its authors are not registered investment advisers, attorneys, CPA’s or other financial service professionals and do not render legal, tax, accounting, investment advice, or other professional services. The information offered by this website is general education only. Neither the author nor the publisher assumes any liability or responsibility for any errors or omissions and shall have neither liability nor responsibility to any person or entity with respect to damage caused or alleged to be caused directly or indirectly by the information contained on this site. Use at your own risk. The author and its publisher disclaim responsibility for updating information and disclaim responsibility for third-party content, products, and services including when accessed through hyperlinks and/or advertisements on this site.

There can be no risk of mis-selling when no financial products are ever sold. There can be no bad advice when no personalised advice or recommendations are ever given in relation to the buying or selling of specific investments. Without exception, we do not arrange or bring about deals, make arrangements with a view to transaction, or cause dematerialised instructions relating to any investment business. We do not advise borrowers about liquidation of debt. We simply offer personal financial plans.

Our planning services are designed as a stand alone service. If you want financial products, these can be accessed either on a DIY basis using Direct to Consumer (D2C) platforms or via financial intermediaries. If you are looking for a personal recommendation relating to an investment product you should consult a licensed investment adviser. Since the Academy of Life Planning Limited is NOT a financial intermediary firm, or a provider of financial products, or conducting any activities regulated by the UK's Financial Conduct Authority, we are NOT licensed with or regulated by the UK's Financial Conduct Authority. The Academy of Life Planning is not required to be regulated by the Financial Conduct Authority and is not registered with the FCA to provide regulated financial advice. Financial planning is general advice as defined in the FCA handbook PERG 8.26.2. The Academy of Life Planning is bound by general consumer law, including the Consumer Protection from Unfair Trading Regulations 2008.

The Academy of Life Planning is registered in England and Wales, registration number 8016568. Registered office address 9 Franklin Way, Spilsby, Lincolnshire, PE23 5GG, United Kingdom.