Fee-only Financial Advice, Financial Planning & Life Planning

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Advice From AoLP Client’s Perspective

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As a profession, financial planners spend a lot of time talking about the value they add to clients. But what does it actually feel like to be on the receiving end of great advice? To have your life transformed by the discussions you’ve had? To see your hopes and aspirations come true thanks to that trusted relationship?

From escaping dead end jobs, to divorces and deaths in the family, Money Marketing has spoken to seven real clients about the moments advice changed their lives for our special report, Advice From The Client’s Perspective.

This interactive digital supplement also includes a podcast and videos with a number of the clients.

We hope you find it a useful resource in proving once and for all that great advice really does add great value to real lives, so feel free to share it on your websites, with clients, or with colleagues.

Click the image above or link here to read on.

Serving without muddling relationships with commissions

 

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.

 

Initial Consultation

£49 for one hour

On-line via video-link advice, taster session and basic financial plan.

Full Financial Plan

Fixed fee from £995

We offer the GAME Plan over four or more two-hour sessions to  deliver fast, high quality results.

Ongoing Service

£49 per month

Quarterly meetings, personal wealth app and unlimited access to our highly skilled team of professionals.

Book Your 60-Minute Initial Financial Consultation

For your initial no obligation consultation to review your financial planning requirements, please book via our Shop. The price is £49. Place your order today and we will contact you within two-working-days by phone or email to arrange an appointment at a time that is convenient for you.

 

FREE GUIDE - Your Plan B

The first step to financial planning is to set goals in every area of your life. Here is a free simple 8-step formula for defining the goals for your personal financial freedom. 

 

Download your free guide - 8 Steps to Your Plan B - when you join our free mailing list.

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.

Life Plans are Financial Plans for Your Life

 

Since 2012, the Academy of Life Planning Limited has offered comprehensive financial planning services and personal wealth management guidance direct to hundreds of clients across a variety of sectors, online using video conferencing - with a difference!

 

Non-intermediating: Our clients trust us because we never sell products. There are great online investment products - broadly composed portfolio of stocks - available to you direct - you don't need to lose a chunk of your life savings to a financial intermediary. We cut out the middlemen by offering planning, generic advice and financial education, without intermediation.

 

Multi-dimensional: Personal wealth is not what you have in your bank account. Our service puts the financial architecture in place to support goals in every area of your life.

 

Values-based: We work in a respectful and sensitive way with different values and perspectives. Our approach is people-centric, rather than money-centric, and is respectful of diversity. 

 

You may need one-off advice on a topic such as retirement, or a comprehensive plan for your overall finances with ongoing support. We use the global market leading lifetime cash flow software to deliver a comprehensive personal financial plan.

 

 

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!

 

 

Why Choose Us?

 

Investment Expertise - Steve Conley, your personal and chartered financial planner, is the former Head of Investments at HSBC. Steve shares the secrets the banks didn't want him to share.

 

Qualified and experienced - Steve has been a Chartered financial services professional for over 30 years, qualifying with multiple industry awards in 1989. 

 

Personal Service - Steve has been a Master Life Planner with the world-famous Kinder Institute since 2012. He plans the client before planning the money. This is recognised globally as the most trusted financial planning approach and is often referred to as 'proper financial planning'.

 

Fiduciary Service - Because we are non-intermediating (we don't sell products) you are assured that we will always act in your best interest without conflict of interest: We place a wall between advice and product sales.

 

Founder Steve Conley is the author of the Amazon best seller "Your Money or Your Life: Unmask the highway robbers - enjoy wealth in every area of your life."

 

If you'd like to know more about non-intermediating financial planning (plans without products) and why it's better for you and your family - when compared to financial intermediation (plans with products) - check out this website and book a 60-minute no-obligation consultation with us today.

 

"If you’re considering working with Steve and you’re not sure whether to take that first step, all I can tell you is it changed my life and now I am living a dream life that I never thought was possible." - Emma P.  - More Testimonials

 

Book your 60 Minute Financial Consultation - Today!

For your initial no obligation consultation to discuss your financial planning requirements, please book via our Shop. The price is £49. Place your order today and we will contact you within two-working-days by phone or email to arrange an appointment at a time that is convenient for you. 

 

For Consumers

For Planners

For Employers

"If you don't have a plan of life, you'll never have order!" - Saint Josemaria Escriva

Appeared in the media and at major conferences.

 

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.

 

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