Since the turn of the century, hundreds of thousands of financial planners
have disappeared from our homes and high streets. We recognise that the mass disintermediation caused by heavy-handed and ineffective regulation has left a huge advice gap in financial planning. And
for the underserved, if you fail to plan, you plan to fail!
Wealth inequality can prevent people from positively contributing to the
economy, holding back economic growth and the overall development of the nation. The regulation was always aimed at fixing intermediation in the wake of one mis-selling scandal after the next. But,
by clamping down on intermediation the regulators inadvertently clamped down on financial planning.
Financial planning is generally not a regulated activity; if it is given
during, or in preparation for, financial intermediation it can form part of regulated activity.
Our goal is to remove intermediation from financial planning and in so doing
ease the regulatory burden on financial planners to help them successfully plug the advice gap and improve wealth equality for our world.
At the Academy of Life Planning, we provide global non-intermediating financial planners and their firms
with all the resources and support they need to run a successful non-regulated advice business. As the whole world plans towards a post-pandemic "new normal" for life and money, we are your
go-to experts for global online financial planning, without the financial intermediation.
By placing a wall between advice and product we remove the need for regulation. Advice can then be
delivered affordably and profitably for the whole world, working from freely from anywhere.
Whether you are a consumer or
adviser, you can book an hour online consultation with Steve Conley by visiting our SHOP.
"Great advice." "Have your life transformed." "That trusted relationship." "Life changing." "Really does
add great value to real lives." - Money
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 sold. 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.
With the absence of financial intermediation from our financial planning process, this life & money planning can be delivered by anyone from anywhere globally to
anyone, anywhere globally, and remain compliant with rules and regulations of all relevant regions and territories. By removing the product from the advice process we remove the need for
That's how our advisers act as fiduciaries with global mass-market appeal and without conflict of interest. We always put our client's best interests first. We cater
for everyone. 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 represent the best interests of the general public whatever their age
group, wealth-segment, lifestyle, values, preferences or country of residence.
The Academy may refer customers, with client consent, to registered and regulated financial intermediaries in appropriate territories where appropriate. Since the
Academy of Life Planning Limited is NOT a financial intermediary firm, or a provider of financial products, it is NOT regulated by the UK's Financial Conduct Authority.
The Academy of Life Planning Limited operates as an international non-intermediating financial planner support group. The company offers compliance guidance, research
and technical help, personal development, technology support, practice development, introducer recruitment and marketing support, testimonials, and exit/succession planning services for its members
and their firms. In addition, the company offers solutions for consumers direct, such as retirement planning, investment planning, protection planning, inheritance tax planning, long-term care
planning, mortgage planning, and insurance planning. It serves a globalised marketplace through non-intermediating financial planners, advisers, and brokers throughout the world. The Academy of Life
Planning Limited was founded in 2012 and is based in Lincolnshire, United Kingdom.
CEO: Steve Conley
Chairman: Steve Conley
The Academy of Life Planning is registered in England and Wales, registration number 8016568.