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Academy Operating System
Academy OS is a collection of practical tools that helps you organise your information, explore your options and make informed decisions across your life and finances. From cash-flow planning and retirement questions to finding purpose or responding to financial exploitation, it builds your ability to understand, choose and act—with human expertise available when you need it. My Life Record is your free, permanent home for your life record. From November, one optional £4.99 monthly support subscription will unlock all Academy OS membership apps as they move to the gated system, contributing towards maintenance and AI costs.
Need help with your next business move, a life or money problem, or financial exploitation? Book a 50-minute Strategy Zoom Meeting with Steve Conley — £50.
How we govern our AI tools The Academy of Life Planning builds AI-supported tools to help people think more clearly about their lives and money. We believe people deserve to know how those tools are governed, what they can and cannot do, and who is responsible for them. Our position We are not regulated by the Financial Conduct Authority (FCA). Even so, we choose to follow the FCA’s expectations for AI as good practice. We also apply the principles of the Consumer Duty: acting in good faith, avoiding foreseeable harm, and helping people pursue their own goals with confidence. What we have put in place On 19 October 2026, the FCA published AI in financial services: good practice and areas for improvement. In response, we have set up the Academy OS Agent Register: a single record of every app, AI agent and AI prompt we provide. For each tool, the register records: the need it is designed to meet, and who it is for; what information and systems it can access; where it supports you, and where it must step back or hand you to a person; what it is never allowed to do; how it has been tested, including with people who may be vulnerable or less confident with money or technology; the named person accountable for it, and how to reach a human; which AI model and knowledge sources it uses, and when they changed; what happens if it fails, and how it would be withdrawn safely. Going beyond the institutional view Most AI governance asks one question: can the organisation control the system? We ask a second: can you understand and control what the system does for you? So we also record what each tool tells you about its limits, how you can correct or override it, and how you can take your information and leave. An ongoing commitment This register is a working record, not a one-off approval. We are completing it tool by tool, and we review it as our tools, the AI models behind them and good practice change. If you have a question or concern about any of our tools, please contact steve@academyoflifeplanning.com. Last reviewed: 27/10/2026
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My Life Record™
My Life Record™ doesn't belong to your planner, your bank or the Academy. It belongs to you.
My Life Record™
Your personal AI briefing document.
Your sovereign life vault.
Every good decision begins with understanding yourself.
My Life Record™ is your permanent, private record of your life, your goals, your values and the information that matters most.
Unlike traditional client records that belong to businesses or platforms, your data belongs to you. Stored securely in your own Google Drive, you decide who can access it, when they can access it, and for how long.
It becomes the trusted foundation for every Academy OS application, allowing AI to understand your circumstances without asking you to repeat your story, while ensuring your information remains under your control.
Your planner may retire. Businesses may close. Technology will evolve.
Your Life Record stays with you.
Use this tool to:
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create your personal life and financial record
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securely store information in your own Google Drive
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control who can access your information
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reduce repetition across every Academy OS application
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build a trusted record that lasts a lifetime
Ideal for:
Anyone who wants lifelong ownership of their personal, financial and planning information.
🟢 Chat App (Claude)
🟢 Web App
🟢 Apple iOS
🟢 Google Play
Plan Your Life
Financial Activation Scorecard™
Understand Your Financial Agency.
Choose Your Next Step.
The Financial Activation Scorecard takes around 10 minutes. Through 20 statements and three short scenarios, it helps you reflect on five areas of your financial life: ownership, understanding, judgement, action, and adaptation and support.
You receive a profile showing your strengths, an area to develop and a possible next step, taking account of your situation and how you prefer to be supported. Choosing appropriate help counts as activation.
FAM™ is an Academy of Life Planning pilot measure and is not yet a validated scale. Your profile is a conversation starter, not a pass mark, diagnosis or confirmation that you can safely manage every financial decision independently.
How able you feel to act can change with experience, stress, health and circumstances. If a decision feels unfamiliar, pressured or difficult to check, pause and seek appropriate help. Your results are available on screen; email is optional.
Use this tool to:
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discover your current Financial Activation Level
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assess your approach to earning, saving, investing and financial security
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recognise where you are already taking effective action
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identify areas where confidence or capability could be strengthened
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find a practical next step towards greater financial control
Ideal for:
Individuals • Couples • Families • Financial educators • Financial planners • Anyone wanting to take greater ownership of their financial life
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The measure does not recommend a product or decide whether you are suitable for a particular investment.
Navigator™
Turn today's decisions into tomorrow's possibilities.
Navigator™ is your lifetime cashflow planning engine, helping you understand how the choices you make today shape the life you can live tomorrow.
Whether you're planning for retirement, changing career, buying a home, helping family members or simply asking "Can I afford this?", Navigator™ models the financial consequences of different choices, allowing you to explore scenarios before making important decisions.
Designed to put you in control, Navigator™ transforms complex financial projections into clear, practical insights that support better life planning.
Use this tool to:
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build a lifetime cashflow forecast
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explore "what if?" scenarios before making decisions
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understand the long-term impact of spending, saving and investing
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plan for retirement and major life events with confidence
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balance today's lifestyle with tomorrow's opportunities
Ideal for:
Individuals • Couples • Families • Financial planners • Anyone making significant life or financial decisions
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Navigator™ doesn't predict your future. It helps you understand how today's choices shape tomorrow's possibilities.
Total Wealth Plan™
Your AI planning partner for life, money and meaningful decisions.
Total Wealth Plan™ brings together every part of your life into one structured planning conversation.
Rather than focusing solely on money, it helps you explore the relationships between your goals, finances, health, work, family, purpose and future opportunities. Working alongside AI, it helps you organise your thinking, test different scenarios and make decisions with greater confidence.
Whether you're planning for retirement, considering a career change, reviewing a major purchase or simply trying to bring clarity to life's complexity, Total Wealth Plan™ helps you stay in control.
Use this tool to:
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clarify what matters most in your life
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explore the consequences of different choices
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model future scenarios before making decisions
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balance financial, personal and family priorities
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build a practical plan aligned with your values
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Total Wealth Plan™ doesn't tell you how to live. It helps you design a life that's true to you.
Get ICE™
Keep earning by choice, not necessity.
Get ICE™ helps you move beyond financial anxiety in later life towards a confident, productive second chapter -- on your own terms.
Whether you are approaching retirement with a smaller pension pot than you hoped, still working but uncertain about your financial future, or simply not ready to stop -- Get ICE™ gives you a structured, AI-powered plan to activate the human capital you have spent a lifetime building.
Rather than focusing on what you have not saved, it focuses on what you still have -- the expertise, relationships, knowledge, and wisdom that do not retire -- and shows you exactly how to turn that into reliable income.
Use this tool to:
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calculate your ICE Number -- the income that makes earning a choice, not a necessity
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identify the income levers most available to you right now
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discover how AI can amplify your expertise and extend your earning life
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build a realistic 10-year financial forecast based on your actual situation
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create a personalised 30-day action plan to activate your second chapter
Ideal for: People aged 55 and over facing financial insecurity in later life • Professionals with expertise to offer but uncertain how to monetise it • Anyone who is not ready to stop -- financially or personally • People who want a plan, not a product
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Get ICE™ isn't about accepting that your best earning years are behind you. It's about activating the expertise, relationships and wisdom you have spent a lifetime building -- and turning them into income on your own terms.
Get Secure™
Build lasting financial confidence after difficult experiences.
Get Secure™ helps you move beyond simply recovering from financial setbacks towards building a more secure and resilient future.
Whether you've experienced financial exploitation, made an expensive mistake, or simply want greater confidence in your financial decision-making, Get Secure™ provides practical guidance to help you strengthen your knowledge, improve your habits and reduce future risks.
Rather than dwelling on what has happened, it focuses on what comes next—helping you develop the skills, systems and confidence to protect yourself and those you care about.
Use this tool to:
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assess your current level of financial security
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identify vulnerabilities before they become problems
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build safer financial habits and decision-making skills
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strengthen your resilience against scams, fraud and financial exploitation
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create a practical roadmap towards long-term financial confidence
Ideal for:
Individuals seeking greater financial security • People recovering from financial exploitation • Families wanting to protect loved ones • Anyone looking to become a more confident financial decision-maker
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Get Secure™ isn't about living in fear. It's about building the confidence to navigate life's financial decisions with greater clarity, resilience and control.
Total Family Office™
See the whole picture. Build continuity across generations.
Total Family Office brings your family’s financial life, human capital, governance and succession into one coherent planning view.
When family wealth spans businesses, property, investments, advisers and generations, important decisions can become disconnected. Total Family Office helps you connect them around what matters: your family’s values, responsibilities and long-term wellbeing.
Start with the life you want your family to build. Clarify who is responsible for what, how each generation can flourish, and where specialist support is needed. With coordination from an Academy-accredited Total Wealth Planner™, your family can maintain the whole picture while drawing on the right expertise.
Use this tool to:
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bring family finances, businesses, property and long-term goals into one clear overview
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recognise and develop the skills, capabilities and opportunities within your family
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clarify roles, responsibilities and how decisions are made
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coordinate solicitors, accountants, investment managers and trustees around shared priorities
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prepare for succession and help the next generation understand and take responsibility
Ideal for:
Families • Business owners • Trustees • Families with multiple advisers • Individuals planning for future generations
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Total Family Office helps your family pass on more than wealth. It helps you pass on the capability to steward it.
GiftFlow™
Keep a clear record of lifetime gifts, before it becomes someone else's problem.
GiftFlow™ helps you track gifts, income and expenditure — tax year by tax year — so the evidence behind your giving is there when it's needed, not reconstructed years later from old bank statements and memory.
Whether you're gifting to family, drawing down a pension to fund regular giving, or simply want a clear picture of what's been given and when, GiftFlow keeps it organised in one place, on your own device.
It doesn't decide what's exempt or calculate your tax. It helps you build the record that makes those questions answerable, when the time comes.
Use this tool to:
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Record gifts, and the bank transfers that evidence them, without losing track of either
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Track the seven-year clock on gifts that may still form part of your estate
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Keep a running income and expenditure picture, tax year by tax year, in the same shape HMRC's own IHT403 asks for
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See at a glance what's confirmed, what's estimated, and what still needs attention
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Prepare a clear, organised record for executors or a professional adviser
Ideal for:
Anyone making regular or one-off gifts to family, particularly where gifts are paid in installments, drawn from pension income, or need to show a genuine pattern of normal expenditure over several years.
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GiftFlow™ doesn't decide what's exempt or calculate your tax. It helps you build the record that makes those questions answerable, when the time comes.
Ask My Pension™
Understand your workplace pension before you make life-changing decisions.
Ask My Pension™ helps you explore the choices, trade-offs and long-term consequences of your occupational pension.
Whether you're considering early retirement, taking benefits, transferring a pension, or comparing different retirement dates, the app helps you understand your options in plain English before making important decisions.
It doesn't tell you what to do. It helps you ask better questions, explore different scenarios and become a more informed decision-maker.
Use this tool to:
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compare retirement ages, pension options and income scenarios
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understand the implications of different pension choices
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model "what if?" scenarios before making a decision
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explore tax-free cash, survivor benefits and pension income options
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prepare for conversations with your employer or professional adviser
Ideal for:
Members of workplace pension schemes, including public sector pensions such as NHS, Teachers', Civil Service, Police, Firefighters' and Local Government schemes, as well as private sector defined benefit and defined contribution arrangements.
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Ask My Pension™ doesn't make pension decisions for you. It helps you understand your options before you decide.
Total Community Plan™
Turn shared purpose into coordinated action.
Total Community Plan™ helps communities, charities, neighbourhood groups, social enterprises and voluntary organisations move from good intentions to well-structured plans.
Whether you're launching a new initiative, coordinating volunteers, applying for funding or bringing different stakeholders together, the app helps you organise ideas, identify priorities and make collective decisions with greater clarity.
It creates a shared planning space where people can focus less on process and more on creating lasting impact.
Use this tool to:
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define a shared vision and long-term objectives
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identify community strengths, needs and opportunities
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organise projects, people and available resources
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explore priorities, trade-offs and funding options
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create practical action plans that everyone can understand
Ideal for:
Community organisations • Charities • Social enterprises • Parish and town councils • Resident groups • Faith communities • Schools • Volunteer organisations
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Total Community Plan™ doesn't tell communities what to become. It helps them build the future they choose together.
Eastern Wisdom, Modern Tools
My Ikigai™
Find your direction before you plan the journey.
My Ikigai™ is a private reflection tool designed to help you explore where what you are good at, what you love, what the world needs and what you can be paid for come together.
Rather than giving you a score, personality type or prescribed answer, My Ikigai™ works from your own words. You answer four simple questions, then AI reflects back the patterns it can see across them — including where your strengths, passions, contribution and economic life already overlap, and where something may still be missing.
Designed to restore human agency, My Ikigai™ is free to use, requires no log-in and stores nothing in a central database. Your reflection is yours to keep, revisit, print or use as the starting point for a deeper GAME Plan conversation.
Use this tool to:
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explore what you are naturally good at
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reconnect with what you genuinely enjoy and care about
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reflect on where you believe you can make a useful contribution
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consider how your abilities and interests could support you economically
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see where the four parts of your Ikigai already overlap
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identify gaps or near-misses that may be shaping how fulfilled you feel
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find a clearer direction for your favourite future
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take the first step towards a deeper GAME Plan
Ideal for:
Individuals • People at a turning point • Career changers • People approaching retirement • People returning to work • Aspiring entrepreneurs • Couples exploring future direction • Coaches • Total Wealth Planners™
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My Ikigai™ doesn’t tell you what your purpose should be. It helps you explore what matters, connect the different parts of your life, and discover a direction that feels meaningful to you.
Kakeibo Ledger™
See your money clearly. Keep control of your decisions.
Kakeibo Ledger™ is your private household budgeting and reflection tool, based on the 120-year-old Japanese Kakeibo method.
Rather than automating your spending decisions, Kakeibo Ledger™ helps you become more conscious of them. You record your income, fixed bills, savings intention and day-to-day spending, then reflect on what changed, what mattered and what you may want to do differently next month.
Designed to restore human agency, Kakeibo Ledger™ is free to use, requires no log-in and keeps your data in your own browser rather than sending it to a central database.
Use this tool to:
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see clearly what you have coming in and going out
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set a savings intention before you start spending
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record spending across Needs, Wants, Culture and Unexpected
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reflect on your financial choices at the end of each month
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build a month-by-month record of your spending patterns
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keep your financial data private and under your control
Ideal for:
Individuals • Couples • Families • People starting to budget • People rebuilding financial confidence • Financial coaches • Total Wealth Planners™
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Kakeibo Ledger™ doesn’t manage your money for you. It helps you understand your spending, reflect on your choices, and stay in control.
Kokoro Life Balance Scorecard™
See your whole life—not just your financial position.
The Kokoro Life Balance Scorecard™ helps you explore your wellbeing across four interconnected dimensions: heart, spirit, mind and self.
By answering 20 questions, you’ll receive a personalised report showing where life feels strong, where something may be missing and where greater attention could make the greatest difference. The results provide a holistic starting point for developing your own GAME Plan.
Designed to look beyond money alone, the Kokoro Life Balance Scorecard™ helps you understand how your relationships, purpose, thinking, personal wellbeing and financial circumstances combine to shape the life you experience.
Use this tool to:
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explore your wellbeing across heart, spirit, mind and self
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recognise the areas of life that are already supporting you
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identify gaps, tensions or neglected priorities
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reflect on what a balanced life means for you
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create a clearer starting point for your personalised GAME Plan
Ideal for:
Individuals • Couples • Families • Life planners • Financial planners • Anyone seeking a more balanced and fulfilling life
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The Kokoro Life Balance Scorecard™ doesn’t define what a balanced life should look like. It helps you recognise what balance means in your life.
Total Wealth Wheel™
See your whole life in one picture, and decide where to start.
The Total Wealth Wheel helps you explore eight areas of life arranged as a natural cycle. Spirit, Heart, Body and Mind sit at the four points of the year. Between them sit Love, Contribution, Finances and Work, the places where each pair meets.
Score each area for where you are now and where you would like to be, then see your wheel take shape. Most wheels are uneven, and that is useful to know. The wheel shows where life feels strong, where the gaps are and how each area connects to its neighbours. You then choose one or two areas to focus on and plan a small first step, giving you a clear, personal starting point for your GAME Plan.
Rooted in Shinto philosophy and the cycle of the seasons, the Total Wealth Wheel was first set out in Steve Conley’s book Your Money or Your Life: Unmask the highway robbers – enjoy wealth in every area of your life (2019). Money is one part of the picture. Its role is to support the rest.
Use this tool to:
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see your life as one connected whole, not separate boxes
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recognise the areas that are already supporting you
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notice gaps, imbalances and neglected priorities
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decide what “enough” looks like for you, rather than aiming for a perfect 10
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choose where to begin, and what money does or doesn’t need to do to help
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create a clear starting point for your personalised GAME Plan
Ideal for:
Individuals • Couples • Families • Life planners • Financial planners • Anyone seeking a more balanced and fulfilling life
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The Total Wealth Wheel doesn’t tell you what your life should look like. It helps you see your life as it is, and choose what comes next.
Your answers stay on your own device. No sign-up, nothing collected.
Protect Yourself
The Leveller™
Read the small print. Understand the bigger picture.
The Leveller™ helps you understand contracts, agreements, financial products and important documents before you commit.
Powered by AI, it translates complex language into plain English, identifies hidden risks, reveals structural power imbalances, and helps you ask the questions that matter before making legally or financially significant decisions.
Whether you're reviewing a financial product, employment contract, business agreement, settlement offer, property transaction or consumer terms and conditions, The Leveller™ helps you make informed decisions with greater confidence and control.
Use this tool to:
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explain complex contracts and legal language in plain English
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identify hidden clauses, risks and obligations
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uncover unfair terms and structural power imbalances
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understand the practical consequences before you commit
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generate better questions before signing
Ideal for:
Financial products • Employment contracts • Settlement agreements • Business contracts • Consumer agreements • NDAs • Property transactions • Terms and conditions
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The Leveller™ doesn't tell you what to sign. It helps you understand exactly what you're signing.
Investigator™
Investigate before you invest.
Investigator™ is an AI-powered due diligence tool designed to help you understand an investment opportunity before you commit your money.
Simply upload a prospectus, brochure or investment document and Investigator™ works through a structured seven-stage review, analysing the investment, identifying risks, checking public registers and highlighting the practical consequences in plain English.
Whether the opportunity comes from a financial adviser, social media, a friend or a cold call, Investigator™ helps you make informed decisions with greater confidence.
Use this tool to:
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analyse investment documents using AI
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identify risks, warning signs and structural weaknesses
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check firms against public registers and fraud databases
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understand the protections you may be giving up
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generate clear questions before making an investment decision
Ideal for:
Shares • Property investments • Bonds • Mini-bonds • Unregulated investments • Overseas investments • Pension investments • Alternative investments • Investment promotions
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Investigator™ doesn't tell you whether to invest. It helps you understand what you're investing in before any money leaves your account.
Goliathon™
Stand up to powerful organisations with confidence.
Goliathon™ helps individuals investigate disputes, organise evidence and prepare a structured account of what has happened when dealing with large organisations.
Whether you're facing a financial dispute, consumer complaint, regulatory issue or another complex case, Goliathon™ helps you build a clear chronology, identify missing evidence and prepare well-organised documentation before taking the next step.
Rather than telling you what to do, it helps you understand your position, organise your thinking and present your case more effectively.
Use this tool to:
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build a clear timeline of events
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organise evidence, documents and correspondence
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identify gaps, inconsistencies and unanswered questions
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prepare structured witness statements and case summaries
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understand the strengths, risks and next steps in your case
Ideal for:
Financial complaints • Consumer disputes • Banking disputes • Investment losses • Insurance complaints • Professional negligence • Regulatory investigations • Civil disputes
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Goliathon™ doesn't fight your case for you. It helps you prepare your case so your voice can be heard.
Recoverer ™
Do everything you can, yourself, before you hand this to anyone else.
The Recoverer™ helps people who have lost money to investment fraud build their case and start the recovery process themselves — before bringing in a solicitor or recovery firm.
It turns your evidence into a structured dossier, then helps you draft the calm, factual, professional reports that need to go to the firm, your bank, and the relevant authorities — written the way an experienced advocate would write them, not the way it's natural to write in the aftermath of being defrauded.
Rather than promising more than any single route can deliver, The Recoverer™ is honest about what each step can realistically achieve — and stays alert to the "recovery room" scams that specifically target people who have already lost money once.
Use this tool to:
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build a structured evidence dossier from payment confirmations, emails, and documents
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draft professional reports to the firm, your bank, and the relevant authorities
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understand which recovery routes are genuinely realistic — and which are for the record only
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check a firm or individual against known second-scam warning signs before you trust them
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keep a clear, organised case file ready to hand to a solicitor if and when you need one
Ideal for:
Investment fraud • Pension scams • Cloned-firm fraud • Boiler room schemes • Romance-investment scams • Authorised push payment fraud • Cryptocurrency scams • Recovery-room scam risk
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Start recovering what's yours, with confidence. Don't wait for permission to fight back.
Plan Your Health
BIG Checker™
Look beyond the headline. Question the narrative. Protect your agency.
BIG Checker™ helps you analyse financial communications, health claims, marketing material, news articles, regulatory announcements and public statements — and ask better questions before you act.
Using AI and the B-O-G framework (Basis, Options, Gap, Emotion, Authority, Agency), it identifies hidden assumptions, missing evidence, persuasive framing, and institutional incentives — helping you separate facts from messaging across wealth, health, and everything in between.
Whether you're reading an investment brochure, a supplement advert, a press release, an FCA announcement, a news story or an adviser communication, BIG Checker™ helps you think more independently and act more deliberately.
Use this tool to:
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analyse financial and health communications for hidden framing and incentives
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identify the evidence breakpoint — where fact ends and inference begins
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spot authority laundering, false choices, and emotional substitution for evidence
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understand what you are actually receiving — information, guidance, or promotion
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generate better questions before accepting a conclusion or making a decision
Ideal for:
Investment promotions • Health & supplement claims • Financial news • Regulatory announcements • Press releases • Marketing literature • Adviser communications • Company reports • Public statements • Social media health adverts
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BIG Checker™ doesn't tell you what to think. It helps you see where the evidence ends — and where your own judgement needs to begin.
Informed Consent Decision Brief™
From information overload to a decision you understand.
The Informed Consent Decision Brief™ is a plain-English decision support tool designed to help you understand what a clinical trial or complex medical decision actually means for you — before you sign anything.
Rather than asking you to wade through 30 pages of compliance documentation, the Decision Brief works from your own patient information sheet. You paste the document, and AI extracts only what matters for your decision — the real options, the honest trade-offs, the risks worth knowing about, and the questions worth asking your doctor.
Designed to restore human agency in medical decision-making, the Decision Brief is free to use, requires no log-in and stores nothing. Your brief is yours to read, revisit, print or take into your clinical consultation.
Use this tool to:
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understand what a clinical trial or medical decision actually involves in plain English
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see your real options laid out honestly — not just the one being offered
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identify the benefits, risks and unknowns in language you can act on
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generate the questions you should be asking your clinical team
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score and weigh your options against what matters most to you personally
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apply your own values and priorities — not just the doctor's recommendation
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arrive at your consultation informed, prepared and in control
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make a decision you genuinely understand, not one you simply signed
Ideal for:
Clinical trial participants • Patients facing complex treatment decisions • Carers supporting a loved one's decision • Healthcare professionals • Clinical trial coordinators • Patient advocacy groups • Total Wealth Planners™ supporting clients through health events
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The Informed Consent Decision Brief™ doesn't summarise your patient information sheet for you. It helps you understand your real options, reflect on what matters most to you, and arrive at a decision that is genuinely yours.
Develop Your Practice
What's Your Agency Score?
Discover where your planning philosophy really sits.
What's Your Agency Score? is a short self-assessment designed for financial planners who want to understand where they currently sit on the journey from traditional advice towards agency-centred planning.
It explores the beliefs, behaviours and practice habits that shape the way you work with clients, helping you identify whether your approach primarily creates dependency or builds long-term capability.
There are no right or wrong answers. The assessment is designed to encourage reflection, highlight opportunities for development and introduce the principles of Total Wealth Planning.
Use this tool to:
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assess your current agency mindset
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understand how your approach compares with agency-centred planning
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identify opportunities to strengthen client capability
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reflect on your role in an AI-enabled future
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discover your next step towards becoming a Total Wealth Planner™
Ideal for:
Financial planners • Financial advisers • Wealth managers • Paraplanners • Career changers exploring a future in financial planning
Available on:
Your Agency Score doesn't measure how good a planner you are. It reveals how effectively your planning helps other people become agents of their own lives.
Could You Become a Total Wealth Planner?
Discover whether your philosophy of planning is ready for the future.
Could You Become a Total Wealth Planner? is a short self-assessment for financial planners, advisers and career changers who want to explore whether their approach aligns with the next generation of the profession.
Rather than testing technical knowledge, it explores your beliefs about the purpose of financial planning, the role of the planner and how AI is reshaping the relationship between professionals and the people they serve.
There are no pass or fail grades. Instead, you'll discover one of four planning profiles, along with practical insights into your strengths and where you might grow.
Use this tool to:
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discover your Total Wealth Planning profile
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explore your philosophy of financial planning
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understand how AI is changing the planner's role
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identify opportunities to build greater client capability
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see whether Total Wealth Planning aligns with your future practice
Ideal for:
Financial planners • Financial advisers • Wealth managers • Paraplanners • Career changers • Academy members
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This assessment doesn't tell you whether you fit the profession. It helps you decide what kind of profession you want to build.
Total Wealth Planner Readiness Assessment™
Do you have what it takes to plan life—not just money?
The Total Wealth Planner Readiness Assessment™ helps you evaluate how prepared you are to operate at the next level of planning: supporting the whole person, not simply managing their financial products.
By answering 36 focused questions, you’ll receive a personalised Total Wealth Planner Readiness Score showing your strengths and development opportunities across eight areas: purpose, potential, people, practicalities, planet, process, profit and positioning.
Designed for professionals exploring a more holistic, agency-led approach, the assessment provides a structured way to consider whether the Total Wealth Planner pathway fits your values, capabilities and ambitions.
Use this tool to:
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discover your Total Wealth Planner Readiness Score
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assess your strengths across eight dimensions of professional practice
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identify capabilities and business areas that need further development
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explore whether an agency-led planning model aligns with your values
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find a practical next step towards becoming a Total Wealth Planner
Ideal for:
Financial planners • Financial advisers • Coaches • Practice owners • Career changers • Professionals who want to help people plan life, not just money
Available on:
The Total Wealth Planner Readiness Assessment™ doesn’t decide whether you will succeed. It helps you see what you already bring—and what you may need to build next.
How Academy OS Works
Simple. Structured. Always under your control.
Academy OS is designed to support your thinking—not replace it.
Whether you're planning your finances, reviewing a contract or organising a complex decision, every tool follows the same four-stage approach.
1. Start with the right tool
Choose the application that best matches the decision you're facing.
2. Think with structure
Use AI to organise information, model scenarios, identify risks and explore options.
3. Stay in control
You remain responsible for every decision.
Academy OS strengthens your judgement.
It doesn't replace it.
4. Escalate only when needed
Some situations genuinely require specialist advice.
When complexity increases, you can choose to involve the right professional.
Support is optional.
Agency remains yours.
Why Multiple Apps?
Life isn't one problem.
Different decisions need different ways of thinking.
Planning for retirement isn't the same as understanding a contract.
Reviewing an investment isn't the same as organising evidence.
Building a community isn't the same as modelling cashflow.
That's why Academy OS isn't one giant chatbot.
It's a growing ecosystem of specialist applications, each designed to help you think clearly about a particular type of decision while sharing the same philosophy of human agency.
AI as Structured Thinking Support
Academy OS uses AI to help people ask better questions, organise information, model scenarios and surface trade-offs.
It does not replace judgement.
It does not provide regulated advice.
It does not make decisions for you.
AI is a thinking assistant — not a decision-maker.
Moments That Matter
Planning Happens
in Moments That Matter
Life rarely needs constant financial attention.
But certain moments deserve careful thought.
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Changing career
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Starting a business
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Planning retirement
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Reviewing pensions
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Supporting family
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Recovering from financial harm
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Making a significant purchase
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Signing an important agreement
These are the moments Academy OS was built for.
Done By You.
Supported When Needed.
This is how planning should work.
Academy OS doesn't take over your life.
It helps you organise your thinking, understand your choices and decide your next step.
When you need specialist expertise, you'll recognise it.
When you don't, you'll have greater confidence to move forward yourself.
Because the goal isn't dependency.
It's capability.
Academy OS provides the tools.
Want to understand why the system works this way?
Planning Disclaimer
These tools provide educational decision support and illustrative calculations for planning purposes only.
They are not a substitute for regulated financial advice, investment advice, pension transfer advice, tax advice, legal advice, medical advice, therapeutic support, or any other regulated or specialist professional service.
Please confirm all relevant details with your scheme administrator, product provider, employer, professional adviser, or other qualified specialist before making decisions.
Outputs depend on the information, assumptions, and data entered by the user.
The Academy of Life Planning Limited accepts no responsibility for decisions made using incomplete, inaccurate, outdated, or misunderstood information.
Intellectual Property and Use of Tools
All tools, workflows, prompts, reports, templates, planning structures, names, marks, methods, content, and systems made available through Total Wealth Plans and Academy OS are owned by or licensed to The Academy of Life Planning Limited.
Access to the platform does not grant any right to copy, reproduce, resell, rebrand, sublicense, white-label, commercially exploit, reverse engineer, clone, or incorporate these tools into another paid service without written permission.
Professional and commercial use is subject to separate Academy OS licensing terms.
Free personal access does not include professional, commercial, resale, white-label, or client-deployment rights.