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How to build and scale your online financial planning empire without muddling the clent relationship with product sales. Build! Launch! Monetise!
How to build and scale your online financial planning empire without muddling the clent relationship with product sales. Build! Launch! Monetise!
We launched in 2012, but our roots go back a lot further.
We launched in 2012, but our senior team has been ever present in the UK financial advice market for more than 35 years. You may remember us heading up investments for HSBC, RBS Group, or Santander, or what is now Royal London, or perhaps when we headed up one of the UK’s largest adviser networks, Berkeley Independent Advisers, now part of Tenet Group.
Launched in April 2012, the Academy of Life Planning grew out of Chorley Financial Services, initially an appointed representative of Sense Network regulated and registered with the Financial Services Authority. This added to our experience of running a large adviser network to seeing things from the other side of the fence and being an appointed representative of a large adviser network.
We became non-intermediating in 2013, with the name change. For the next six years, we ran non-intermediating financial planning through the Academy of Life Planning whilst delivering financial intermediation through a separate directly regulated firm. By 2019, Financial Intermediation had become such a small part of our service that we finally hung up our boots as intermediaries, so we could concentrate on Non-Intermediating Financial Planning.
We have coached and trained tens of thousands of successful like-minded customer-focused financial planners and intermediaries for over three decades, and in 2020 we made coaching and support our main business by opening the Academy of Life Planning as a Non-Intermediating Financial Planning adviser network.
The Academy of Life Planning was established as an independent financial planning firm in April 2012. The founder and owner, Steve Conley, is a Chartered Financial Planner, and former head of investments at HSBC.
Academy members deliver remote generic advice, financial education, financial planning, and life planning to clients around the world, online, via data sharing applications, real-time messaging, and video telephony systems.
Ten Reasons Why We Are Different:
The service we deliver is different to any other service you will find because:
As the whole world plans towards a post-pandemic new normal for life and money, we are your go-to experts for global online life and money planning, without muddling the financial planning relationship with product sales.
At the Academy of Life Planning, we provide global non-intermediating financial planners, and their firms, with all the advice, resources and support they need to run a successful non-regulated advice business.
By placing a wall between advice and product we removed the burden of regulation. Advice can then be delivered affordably and profitably, whilst you freely work from anywhere.
Whether you are a consumer or adviser, you can book an hour online consultation with Steve Conley by visiting our SHOP.
Since 2012, the Academy of Life Planning Limited has offered comprehensive financial planning services and personal wealth management guidance direct to hundreds of clients and their planners 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; Mind, Body, Heart, Spirit & Bank Account.
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 and the planet.
What is a Fee-only Non-intermediating Personal Financial Planner?
A fee-only non-intermediating personal financial planner is a highly trained professional who is committed to working in the best interests of their clients. We serve our clients without muddling the financial planning relationship with retail financial intermediation.
We operate to high standards in the field of financial planning. We undertake a fiduciary oath and observe a code of ethics.
What we do not do
Our Fiduciary Oath
“I shall plan my client before planning my client’s personal finances. I shall not conduct any financial intermediation. I shall exercise my best efforts to act in good faith and in the best interests of my client. I shall provide written disclosure to my client prior to my engagement, and thereafter throughout the term of the engagement, of any conflicts of interest, which will or reasonably may compromise my impartiality or independence. I, or any party in which I have a financial interest, do not receive any compensation or other remuneration that is contingent on my client’s purchase or sale of a financial product. I do not receive a fee or other compensation from another party based on the referral of a client or the client's business."
Following the Fiduciary Oath means we shall:
Our Code of Ethics
It is all part of our mission.
Our Mission
To provide fee-only non-intermediating personal financial plans for our clients.
Our Values
We live by three important values:
Our Standards
We meet the following standards and continue to abide by such standards:
1. Fee-Only financial planner
We are compensated solely by the client with neither ourselves nor any related party receiving compensation that is contingent on the purchase or sale of a financial product. We do not receive commissions, rebates, awards, finder’s fees, bonuses or other forms of compensation from others as a result of a client’s implementation of our planning recommendations.
2. Prohibition of certain ownership interests and employment relationships
We, or a party related to us, do not own any interest in or are employed by a financial services industry firm that receives commissions, rebates, awards or any form of compensation that is contingent on the purchase or sale of a financial product.
3. Compliance with industry regulations
We agree to comply with all statutes, rules, regulations, administrative and judicial rulings, and other authorities applicable to the provision of financial planning or advisory related services.
4. Prompt notification of certain disciplinary and legal events
We have a continuing obligation to inform our clients, in a prompt manner and in writing, of significant disciplinary and legal events. These events include, but are not limited to, the following:
Definitions:
"Related party" means a business colleague or family member with whom we share income or economic benefits. A related party may include, but is not limited to, a business partner or an officer or Director of our business, or a spouse, parent, dependent minor child, an adult child still residing in the home, or other dependent.
"Financial services industry firm" includes any entity or individual that offers any type of financial service, e.g., securities broker or dealer, investment adviser, asset manager, investment company, banking institution, savings institution, trust company, mortgage bank, credit union, savings and loan association, insurance broker or dealer or agent, real estate broker or agent, commodities broker or dealer or agent.
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