At the ACADEMY OF LIFE PLANNING (AoLP), our "goal-based" financial planning services appeal to a wide variety of people from around the world.

We help them sort their finances, invest sensibly, avoid cons, save money and achieve their goals.

Our financial advice is brought to you online direct by video conferencing, real-time messaging and content sharing - you can work with us from your home or workplace.

This is a practical intuitive and actionable behavioural-change programme. Our personal wealth app allows you to break down large goals, and dynamically monitor, adjust and achieve your daily 'bite-size' goals. 

Whatever your age, wealth bracket, lifestyle, preferences or location - we tailor-make a written, detailed and personal financial plan that's just right for you.

Your integrated life/ wealth coach is a non-intermediating fee-only financial planner, which means we sell plans not products.

We are UK based serving a worldwide clientele.

We are Fee-Only Financial Planners

Unlike most financial advisers, our fee isn't based on the amount of money you invest. A typical financial intermediary price tag is 3% initial charge and 0.5% per annum charge, based on the amount you invest.

We believe that it doesn't cost us more to advise you, the more money you invest. Whether you have £10,000 or £1m, our fees remain the same.

We offer clients the option of paying an hourly rate for advice, or to pay a set fee for an agreed amount of work, or to pay a set monthly fee to keep you on track.

Do you pay intermediary charges, of up to 1% per annum, on funds ... for a futile "stock-picking" effort?

After 25 years, that's up to one-quarter of your life savings given away needlessly!

American economist Eugene Fama under his efficient-market hypothesis concluded:

“It is exceedingly difficult, even for a professional investor, to beat the market by trying to predict stock-price movements in the short term. Therefore, it is much better to invest in a broadly composed portfolio of stocks instead of engaging in a futile stock-picking effort.”

According to the Financial Conduct Authority's Sector view for 2020, ongoing intermediary advice charges have increased by 19% year-on-year to £3.4 billion in 2018. The FCA expressed concerns that their advisers are recommending products with an ongoing advice requirement, potentially instead of more suitable options that do not have ongoing fees.

60% of non-advised consumers avoid adviser charges by using platforms to build their own broadly composed portfolio of stocks. We provide affordable and impartial financial education to show you how.

By submitting your download request you will be entered into our weekly draw for a free copy of "Your Money, or Your Life!"

T&Cs: Open to UK residents aged 18+. Winner chosen at random. Closing date 6pm on Sunday 1st March 2020.

How to accumulate and preserve wealth

Use our vast experience and expertise to help avoid scammers with our investment due diligence service and avoid paying unnecessary management charges on your investments.

Learn the secrets the bewildering bankers didn't want us to share, like why they won't sign up to fiduciary responsibilities.

Save literally hundreds-of-thousands of pounds over your lifetime by avoiding hidden fees and charges.

We provide empirical evidence from leading and highly credible academic researchers from top respected institutes, such as Which? (see example) that exposes the trickery and deceptions shockingly hidden in financial industry guile that's costing you a great big chunk of your life savings. 

We offer you the money-saving, comprehensive financial planning services ... that the swindlers would prefer we didn't - direct, on-line, via video to you, to your home or workplace, wherever and whenever.

Hear how an expert on-your-side, who has no vested interest in the products you choose to use, provides specialist and impartial guidance, trusted planning, generic advice and financial education.

We provide the plans you can trust; with our guidance and education you choose your own products wisely and effortlessly.

 Investment Planning

 Retirement Planning

 Risk and Insurance Planning

 Tax Planning

 Inheritance and Estate Planning

 School Fees Planning

 Needs analysis and cash flow forecasting

 Life Planning - financial plans for life!

We believe that the greatest value is added for personal financial consumers through financial planning, rather than financial intermediation.

The services on offer from the Academy of Life Planning Limited are classed as generic advice and financial education. No financial products are ever sold. No personalised advice or recommendation is 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, deal, or cause dematerialised instructions relating to any investment business. We do not advise borrowers about liquidation of debt. We simply offer personal financial plans.

That's how we act as fiduciaries with mass-market appeal. We always put our client's best interests first. We cater for the largest number of people possible. We cater for the 5% who have access to financial intermediaries on account of their wealth. And we cater for the 95% who have limited access to financial intermediation and remain underserved on account of holding investable assets below regulated financial intermediary thresholds (typically £100,000). We appeal to a wide variety of consumers. We represent the best interests of the general public market, consisting of consumers belonging to various age groups, wealth-segments, lifestyles and preferences.

The Academy may refer customers, with client consent, to registered and regulated financial intermediaries where appropriate. Since the firm is not a financial intermediary, or a provider of financial products, it is not regulated by the Financial Conduct Authority.