HapNav - The Happiness Navigator!

Best Low-cost Financial Planning App For Groups And Subscribers

Lifetime cash flow planning is an essential aspect of financial planning, helping individuals and families to understand their current and future financial needs and goals. One of the most effective ways to accomplish this is by using lifetime cash flow planning tools. The Academy has built its own financial planning application because we wanted to hand control to end users and integrate with Open Banking.


Benefits of using lifetime cash flow planning tools include:

  • A comprehensive view of your finances: These tools provide a detailed, holistic view of your current financial situation and projections for the future. This includes income, expenses, investments, debts, and more.
  • Goal setting and tracking: Lifetime cash flow planning tools allow you to set specific financial goals, such as saving for retirement or paying off debt and then track your progress towards those goals.
  • Identifying shortfalls: These tools can help you identify potential shortfalls in your current financial plan, such as not saving enough for retirement, and provide recommendations on how to address them.
  • Flexibility and customisation: Our lifetime cash flow planning tool is customisable, allowing you to input your own data and make assumptions about future events, such as income or expenses.
  • Accessibility: Our tool can be accessed online, which allows you to access and update your plan at any time, from anywhere, making it easy to stay on top of your finances.

In summary, lifetime cash flow planning tools are essential for anyone looking to take control of their finances and plan for the future. These tools provide a comprehensive view of your finances, help you set and track goals, identify potential shortfalls, and are customisable and accessible. With the help of these tools, you can make better-informed decisions about your financial future and achieve your financial goals.


A World First - Customer-Oriented Open Banking Financial Planning App


Academy of Life Planning and HAPNAV LTD has teamed up with Moneyhub and Envizage to bring you the future of financial planning ...

HapNav - The Happiness Navigator! - is the world’s first customer-directed Open Banking powered financial planning application.

This will enable our growing global network of advice-only financial planners to present thousands of lifetime wealth forecasts all at once, for, say, employee benefit wealth & wellbeing programmes or Netflix- style subscription models.

Fully democratising financial planning for the mass market.


The data and payments market leader, Moneyhub, said about us:


We've teamed up with Envizage to deliver the future of financial planning - and it's completely customer-centric ⚡️

The Happiness Navigator (HAPNAV LTD) is a ground-breaking digital planning experience powered by our #OpenBanking technology and Envizage's simulation capabilities.

The data and analytics provided by Moneyhub and Envizage’s APIs allow users to understand the consequences of their financial choices, navigate potential trade-offs and plan for the future.

With 9% of Britons having no savings at all and 41% not having enough to live for a month without income, not to mention the economic toll of Covid-19 and the ongoing cost of living crisis, this solution could not be more essential.



FT Adviser May 12 2022.

Happiness Navigator (HapNav), a digital planning experience that allows consumers to identify and manage risks to their future financial plans and aspirations.

Citywire May 13 2022.

People need to be shown how to navigate the cashflow valley successfully and build back better. And technology-based financial planning can deliver this.

We Offer Free Tech Support & Frequent Training Sessions For Members.


A key benefit of membership is FREE technical help and support on HapNav - the Happiness Navigator. This service includes an invitation to our monthly HapNav User Groups Zoom Meeting for training and support. Sign Up Today!


Open Banking For Your Finances To Be Accurate And Constantly Updated

With 30-Day Free Trial!

The Full Power Of Financial Planning In Your Hands

End-User Wealth Forecast Modellor

Now you can create your own financial plans on your own, in groups, or one-to-one with a planner. We give you the controls, so take control.

With MoneyHub Open Banking Integration

User-friendly front-end, uniquely integrated with Open Banking for real time valuation updates. Simulated returns, not linear projection assumptions.

Designed For Multi-user Web Classes

Better commercials for NIFP SMEs than Voyant, Truth, Cashcalc where you pay regardless. User paid. Free for planners, no usage no charge.

Just £6.99 per month, plus 30-Day Free Trial

FIX IT! functionality - suggestions for making good shortfalls are not just product related. Low price, plus amazing free trial.

Why Is This App Important?

Distributors and their wealth tech buddies are sat on client data because it is how they get paid—holding their clients hostage so they can tap into assets for their fees. 


User-centred wealth tech applications enable people to take control of their own finances, and for Advice-only Financial Planners to offer all their customers an empowering and portable planning experience.

Why Now?

All historical wealthtech applications are distributor centric. Until now!


Following GDPR, the global divergence of adviser and distributor roles, and the need to better support a post covid economy, the market needs user centric applications.

Why Us?

HapNav is offered in association with Envizage (a trading name of Lifescale Limited). A WEALTHTECH 100 company in 2020. Together, we develop simulation-based analytic software that helps consumers identify, understand, and manage the risks to their plans.


The WEALTHTECH100 is an annual list of 100 of the world’s most innovative WealthTech companies selected by a panel of industry experts and analysts.

If you would like to find out more about the Envizage Partner Ecosystem please check out this link >>


Why do we include HapNav in our Advice-only Financial Planner service?


Are you a financial planner? Do you help clients one by one? Would you like to help more people all at once?


Where are you now?

Maybe you capture client data for every new client. Perhaps the data then sits with you. Legally it belongs to the client. Potentially the client has other advisers who do the same. Capture the same data. Maintain said data. Over and over.


Possibly you might move to another firm. The client follows you. You must capture data all over again. Potentially moving your client to yet another investment proposition, on yet another platform, on yet another sales back-office CRM, using yet another Lifetime Financial Forecaster software provider. Do you get the picture?


Possibly churning the client from pillar to post, over and over. Charging initial fees over and over.


Maybe you've inherited a new client and the wealth tech company won’t allow you to use their system.


What then?


Potentially a client is left orphaned by an adviser departure, as the old firm chips away at assets In Perpetuum with fees for no service. Locked in. Unserviceable.


What's wrong with seeing clients one by one?


Advisers exchange time for money. Their time is limited, so too is the number of clients they can see. As you build your client list, annual reviews take up more time. When you reach one hundred clients, you are doing client reviews twice a week. You have little time for new business. You reach capacity.


To pay yourself a decent wage you need high fees per client. To achieve £100,000 turnover you need 100 clients each with £100,000 in investable assets where you take 1% per annum. Advisers must set investable asset thresholds at £100k to make a profit. According to the Office for National Statistics only 5% of households have this much in financial assets. Therefore 95% of the population is disintermediated. The so-called, advice gap is created.


Then there’s a global economic-social emergency. And, 95% of the population don't have a clue on how their finances have been impacted.


If you didn't exchange your time for money, things could be different. But you have no choice when you are giving regulated advice, as each recommendation must be suitable. 


What would happen if you gave general advice? What would happen if you exchanged your know-how for money? What if you gave advice to crowds?


Can you see the time and money just disappear through distributor-centric business models and wealth tech applications?


Where would you like to be?

Imagine this. Like the law says. The data sits with the client. What if, the client shared said data with all their advisers. Here is one wealth tech application per client for life.


Picture this. Set up once. Maintained once. Over a lifetime. By the client. No initial cost!


Now imagine you have 100 clients on your £500 webinar. Each with their own wealth tech application. The adviser facilitates generic advice and financial education. The client runs the money. In a market where intermediation, investment returns, and platforms are commodities, viewable from that single wealth tech application.


Now imagine you have 1,000 clients download your £50 “HOW TO” eBook and pre-recorded webinar! Each client has their own wealth tech application.


The adviser exchanges know-how for money. Knowhow is unlimited, so too is the number of clients they can see. Their business is unlimited. No thresholds.


No advice gap.


Sound interesting?

I’m sure you would agree that if regulated one-to-one is where you are, and non-regulated one-to-many (or none-to-many) is where you want to be, then you need a system, vehicle, or solution to get you from A to B.


Well, that system is HapNav, the UK-based FinTech API available from the Academy of Life Planning in partnership with Envizage.



“The Envizage simulation engine considers risks to a household’s future plans from financial markets as well as from life events like mortality, disability, health, and long-term care. Its next-best actions cover the full range of financial products, from savings and investments to insurance and borrowing, as well as lifestyle and other considerations.” - Capgemini, 2019 Retail Banking Executive Interview Survey, September 2019.



Test drive HapNav with our 30-day free trial. Let us know what you think.


SO SIMPLE YO USE: Giving Control To The End-User For Portability, Privacy, And Ownership.

"I really like this. Steve, by the way. I just think the profession has a tendency to over engineer things and overcomplicate things. And it's easy to look at it and think, "Oh, it's so simple". ... I think it's so simple. And that's good. Really good. So yeah, my feedback is very, very positive." - Tony Fields, TheKatalystCoach.com.

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