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Non-Intermediating Financial Planners (NIFP firms)


We offer a ground-breaking non-regulated proposition for your clients, complemented by first-class training, support, peer networking and development for you. It’s all aimed at helping you become more successful.

What We Offer

Our partner proposition offers you a tool kit, guidance and ongoing support.

Personal Mentorship

First-class training and mentorship to make your job easier.

Have Your Say

Join the Academy and you will automatically become a member of a unique global community.

Business Development

We offer guidance to match your needs, whichever stage you’re at in your financial planning career.

Support for 'Non-Intermediating' Financial Advisers and their firms


There are two types of financial planners. First, there is the Financial Intermediary. Then, there is the 'Non-intermediating' Financial Planner. We specialise in supporting 'Non-Intermediating' Financial Planners.


We take a real interest in your business, where you will feel part of a team. We help 'Non-Intermediating' Financial Planners to grow their businesses compliantly, professionally and profitably. We instil confidence in your business.


We offer the 'Non-Intermediating' Financial Planner the job lot. Our range of services include the sharing of compliance advice, marketing support, general guidance, business documentation and processes, coaching, training, webinars, helpdesk support, events and much more.


Who we are - We move with the times, so you can too

We deliver online support and personalised solutions to a global network of online 'Non-Intermediating' Financial Planners and their firms. With a focus on non-intermediating financial planning, our members are typically small life & money planning firms around the world servicing a global village of clients online.


Our virtual team are knowledgeable, friendly and there to help. They are extremely helpful in all areas and have the appropriate knowledge, experience or qualifications relevant to their roles, and the areas on which they may be assisting our members.


How we do it - We communicate regularly

If buying support works well for you, our specialised support is second to none. We keep up to date with current regulations. We provide impartial views and recommendations. We are very approachable if ever you have any concerns. We deal with things efficiently and quickly.


Our services are provided under a modular approach under fixed fee agreements by the hour, or by the month or for a task. We are there to work for you and have no interest in promoting additional services that do not sit well with your business model.


Our core service brings together the best in online and over the phone support. This level of support is designed to:

  • Provide an 'out-of-the-box' Non-Intermediating Financial Planning business model, because disruptor business models are completely different to what's already there.
  • Provide you with a tried and tested planning process suitable for Non-Intermediated Financial Planning, with utmost professionalism and efficiency.
  • Keep you informed of relevant issues – saving you time searching for and reading regulatory reports.
  • Provide you with up to date guidance and specimen procedural documents – saving you time in creating documents from scratch.
  • Provide you with someone to call for those difficult day to day issues – giving you reassurance that you are adopting the correct approach. You can always pick up the phone and speak to a suitably qualified person at no extra cost.
  • Provide you with a comprehensive development programme for you and your staff.
  • We are particularly helpful with your transition from Financial Intermediary to 'Non-Intermediating' Financial Planner. Book your one-hour consultation with Steve Conley to find out more.

Twelve-months Virtual Mentorship via interactive programme - £450 (or pay £45 per month, cancel at any time). Fast track is an intensive three-month version available for £950. Find out more!

Book Your 60-Minute online Adviser Mentorship Consultation with Steve Conley

For your 60-minute consultation to discuss your mentorship and training requirements, please order via our Shop. The price is £45. Place your order today and we will contact you within two-working-days to arrange an appointment at a time that is convenient for you. 

If you are pursuing a career in financial planning you can choose the intermediating or non-intermediating routes.


An intermediating financial planner (or financial intermediary) is required to be registered and regulated by the Financial Conduct Authority (FCA). A non-intermediating financial planner is not.


Financial planning itself is not a regulated activity. It is classed as general or generic advice.


If you always wish to act in the best interest of your clients without conflict of interest, then you might further consider becoming a fiduciary financial planner. That is, you are fee only and there is no conflict of interest.


A non-intermediating financial planner is a fiduciary financial planner. That is, they act as an agent of the client and do not hold any agency agreements whatsoever with any product providers. They are guaranteed by contract to place client best interest first.


Financial intermediaries are selling agents and find it difficult to sign up to fiduciary codes because in the absence of a wall between advice and product they find it difficult to undertake to always act in the client's best interests.


When financial planning for consumers, the greatest value added in the services you provide is in the provision of the financial plan itself, rather than adding value through financial intermediation. When adding intermediation fees to the price of a product, the financial intermediation route is often more expensive than the consumer buying the product direct from the provider. According to Which? 90% of financial intermediaries derive their fees from the product as a percentage of assets under advice.


Some might argue that financial intermediation may lead to better outcomes for consumers. It is certainly more convenient to have someone make investment decisions for you. But at what cost?


When it comes to investing life savings, few financial intermediaries can improve upon the outcomes achieved using passive retail multi-asset funds on platforms. These are relatively simple for the consumer to set up and maintain. The savings for the consumer can be as much as hundreds-of-thousands-of-pounds over a lifetime.


When planners realise that the greatest value is added by the non-regulated activity, they may begin to question the rationale for and cost of being regulated.


Regulated activity adds considerably to the time and cost of the financial planning process. It also makes it difficult to maintain client relationships remotely, with all the proof of identity, signing of documentation and trust required to handle client money. It's difficult to apply social distancing measures when you are regulated. It does not necessarily lead to better outcomes for clients.


Certain transactions can only be undertaken by a regulated financial intermediary, such as a pension transfer from a Defined Benefit scheme. Non-regulated financial planners may therefore need to refer consumers to regulated financial planners from time-to-time.


It should be noted that today ninety-five percent of the population are underserved by the financial intermediary population on account of their limited wealth. Financial intermediaries often operate with thresholds of investable assets held by consumers, below which they will not operate. A typical threshold might be £100,000. Due to the economies of infrastructure, non-intermediating financial planners can serve the underserved at far lower thresholds at prices they can afford.


A major part of the financial planning process is planning the client before planning the money. In order to do this effectively the financial planner must also be an expert and experienced life planner.


If you are considering becoming a non-intermediating financial planner, or you are a financial intermediary wishing to learn the art of this style of financial planning, please contact us to discuss our mentorship, training and accreditation services.

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