Visit our sister site for advice-only financial planning direct!

We are delighted to announce the launch of our Direct-2-Consumer Channel -

Why Choose Advice-only Financial Planning?


The idea of a favourite future should be with you for your entire life, a never-ending conversation with yourself. Constantly resetting your future requires a solid plan, combining energy, assets, and a financial plan. We call it a GAME Plan.


If you want your favourite future in the next few years, you need a short-term plan. The type of financial plan used by intermediaries to sell financial products is long-term. You don't need long-term investments to make short-term life changes.


We are advice-only. That means we do not sell financial products like ISAs, investments, pensions, mortgages. That makes our financial plans different. The most common assets in our projects are assets made by you.


And if you do want financial assets, you can exchange assets for them and source these direct from providers safely and comfortably. We will show you how. For us, this is a secondary requirement. We find that intermediation muddies the waters of a financial planning relationship. Our initial assumtion is you doing something for yourself with support.


When our clients see a range of possible futures before them, they want some help choosing the right path. They want to see a financial model before they make a material change. We call this economic model a "what-if" scenario.


We help our clients explore several "what-if" scenarios using HapNav (our lifetime wealth modelling app) so they can choose their favourite future with confidence.


We then create asset strategies to support your favourite future, such as moving from active to passive income or finding your Ikigai project. Both strategies can be used where you have insufficient savings for your retirement and have left saving too late in life for the miracle of compound interest to take effect.


Our initial assumption is most of the time you should do things for yourself with the right support. That's why we start with Done-by-you planning.

Done By You

 You build your own financial plan using various levels of support.

Done With You

You join a group of people online, facilitated by an advice-only planner.

Done For You

You have a financial plan built for you by an advice-only financial planner.

Our Agency Is With Our Client.


Unlike financial intermediaries, our agency is with you, not with a financial product provider, which puts us in the business of finding out precisely what you need—and delivering that.


For crucial life and money decisions, you can't just put things on hold and do nothing. You have important choices to make. It would be best if you had answers. All of which means that life and money advice can't wait.


You need a solid plan for your life, backed up by a financial plan for your money, an investment philosophy you believe in, and an accessible and dependable financial planner who has your best interests at heart.


You need the support of an advice-only financial planner.


We provide end-user lifetime wealth planning tools linked to your bank account.

Empower! Inform! Educate!

Many people have no idea what their best life is, never mind how to plan to live it. Use our financial planning software, HapNav - The Happiness Navigator - to explore options and improve your life and future. Our analytics change the way you identify, understand, and manage, the risks to your future plans and aspirations. We help you understand your needs, identify prospective areas of development, and make the best decisions while reducing the cost of navigating your way to happiness. 

Working with an advice-only financial planner can help you navigate through these unprecedented times.


Escape a treadmill 

Leave the rat-race and pursue your dream as your own boss.

Mid-life happiness

Discover a new sense of self and purpose for the rest of your life.

Your new direction 

Faced with two paths the route ahead could combine both.

Two become one

When you want to knit together two dreams to one future.

We help people with questions like:

Can you help me understand my financial products?

When can I afford to retire?

Will I outlive my capital?

How do I afford to improve my work-life balance?

How can I afford to quit my job and set up my own business?

How can I stop myself from sabotaging my finances?

How can I best use the internet to run my own money?

How can I earn more than I spend?

How can I own more than I owe?

How do I create wealth?

How do I make money while I sleep?

How do I secure my family's financial future?

Who was I born to be?

How do I leave a lasting legacy?

How do I make the world a better place for having lived?

How do I live longer better?

Find Out More About Our Personalised Financial Planning Service.


Have a conversation with us online and avoid rash and, ultimately, costly mistakes with your finances. We allow you to consistently and continuously feel confident about all your financial decisions. We can help you decide which solutions are best for you in the complex and volatile world of financial services during unprecedented times.


Our online financial planning service provides a personal way to help you achieve your goals. By listening to your circumstances and economic aspirations, answering all of your questions along the way, we can help you to create the right financial plan for you.


Seeking financial planning advice at the right time can help provide peace of mind for you and your family's future. 


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 with our financial education. Save literally hundreds of thousands of pounds over your lifetime by avoiding these dangers.


We provide empirical evidence from leading and highly credible academic researchers and well-respected institutes. Bodies such as "Which? Money" expose the trickery and deceptions shockingly hidden in financial services that may be costing you a significant big chunk of your life savings. We offer you the money-saving, comprehensive financial planning services - that the highway robbers would prefer we didn't - direct, online, 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; you choose financial products wisely and effortlessly with our guidance and education.


We are not financial intermediaries. No products are sold. We provide generic advice and financial education for self-implemented solutions. Because we don't take commission, or adviser charges contingent on product purchase, we guarantee that there is no conflict of interest, and we place your best interests first. We call this our fiduciary obligation.


If you are not confident with self-implemented solutions, we can help you choose a regulated financial intermediary from our global network of financial planners.


We sell plans, not products!



The rules and laws of the United Kingdom, and other territories, class the Academy of Life Planning Limited services as generic advice and financial education. We do not sell financial products. We do not give personalised advice or recommendations concerning the buying or selling of specific investments. Without exception, we do not arrange or bring about deals, make arrangements with a view to transactions, or cause dematerialised instructions relating to any investment business. We do not advise borrowers about the liquidation of debt. We offer personal financial plans. Since we are NOT an intermediary financial firm (distributor), a provider of financial products, or an adviser on particular financial products, we are not registered with nor are we regulated by the UK's Financial Conduct Authority. If you want to find out more, why not contact us and request our terms and conditions.


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