What is Total Wealth Planning?
Total Wealth Planning is about more than money.
It’s about helping you design and live the life you want — with clarity, confidence, and sovereignty.
At the Academy of Life Planning, we see wealth in its fullest sense:
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Financial capital — savings, pensions, investments, property, tangible assets.
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Human capital — skills, health, knowledge, resilience to create income.
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Social capital — networks, relationships, and purpose.
A well-crafted plan doesn’t just organise your finances — it empowers you to navigate life’s biggest decisions, recover from setbacks, and create a legacy rooted in your values.
Our Approach
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We don’t sell products. We don’t take commissions.
Instead, we provide independent, product-free planning that puts your life goals first.
Together, we’ll:
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Understand who you are — your values, story, and aspirations.
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Set meaningful goals for every stage of life.
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Build a plan that integrates money with meaning.
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Equip you with tools like the GAME Plan™ and Kokoro Scorecard to track progress.
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Adjust as life changes — because planning is a living process.
This isn’t about telling you what to buy. It’s about helping you make empowered choices.
Planner vs Adviser: What’s the Difference?
Financial Advisers
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Focus on retail products: pensions, investments, mortgages, insurance. Retail investments represent on average just 1% of your total wealth.
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Provide specific recommendations on retail investments and are regulated by the FCA.
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Are often paid by commission or a percentage of your assets.
Total Wealth Planners
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Take a broader view of your whole life and well-being.
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Provide generic advice — neutral, fact-based guidance without product bias.
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Empower you to stay in control of decisions.
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Are governed by UK consumer law (CMA) rather than FCA product regulation.
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Are paid transparently by fee, not by sales.
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Focas on 100% of your total wealth.
💡 Where planning is done by advisers, it becomes part of financial advice.
Where planning is done by us, it remains independent, holistic, unbiased, and client-led.
How Total Wealth Planning Works
Our process is simple but powerful:
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Understand You — your life, values, and vision.
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Set Goals — aligned with purpose, not products.
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Build Your Plan — mapping financial, human, and social assets.
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Take Action — guided by tools, education, and coaching.
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Review & Renew — adapt as your life evolves.
What We Can Help You With
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Achieving financial independence
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Starting or growing a business
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Exploring new career opportunities
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Rebuilding after financial harm
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Retirement and legacy planning
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Budgeting, saving, and investing ethically
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Balancing wealth, wellbeing, and purpose
Whatever your goal, total wealth planning helps you take back control.
Why Choose the Academy of Life Planning?
We are not just planners — we are partners in empowerment.
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Transparent — no product bias, no hidden fees.
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Independent — not tied to providers or sales.
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Empowering — giving you the tools to be your own adviser.
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Values-led — guided by our Code of Chivalry of the Knights of Aquarius: service, integrity, and justice.
With us, you don’t just get a plan.
You gain the confidence, clarity, and community to live life on your terms.
Whether you’re looking for peace of mind, recovery from harm, or a plan for your next chapter, we’re here to help.
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Take the first step toward total wealth and sovereign living.
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Disclaimer: The Academy of Life Planning provides education and guidance on total wealth planning. We do not provide specific advice on retail financial products. For regulated retail product guidance, please consult a licensed retail financial adviser.