FOR INDIVIDUALS
Take Control of Your Financial Life — On Your Terms
The right support. At the right moment. Always on your side.
Most people assume that managing their finances well means handing everything over to a professional and hoping for the best.
It doesn't.
90% of people, 90% of the time, are perfectly capable of managing their own financial lives — with the right tools, the right framework, and the right support behind them.
It is only in moments of genuine complexity, significant stress, or major life change that most people need an expert working alongside them.
That insight — the 90/10 principle — is at the heart of everything we offer individuals.
We have built three distinct services around it. Each one designed for a different situation. Each one free of products, conflicts, and pressure.
You decide which one fits where you are right now.
WAYS WE CAN HELP YOU
DONE BY YOU - FREE
Total Wealth Plans™
totalwealthplans.com
For most people. Most of the time.
The Total Wealth Plan is an AI-enabled financial planning tool available free to anyone, anywhere in the world. It works in 100+ languages and currencies — covering local tax systems, pension structures, and financial frameworks across 6 continents.
It gives you a clear, comprehensive picture of your financial life — built by you, owned by you, on your terms.
No adviser required. No product sold. No conflict of interest.
What you get — free:
-
The Total Wealth Plan app — AI-enabled, multilingual, global
-
The GAME Plan™ life planning framework
-
Planning tools, templates, and structured thinking guides
-
Learning resources and community support
-
Financial Activation Quiz — discover how confident and prepared you feel making financial decisions
DONE WITH YOU - FROM £245/ YEAR
Total Wealth Planner™
totalwealthplanner.com
For the 1 in 10 moments that need an expert on your side.
Complexity. Stress. Significant life change.
Career transitions. Business decisions. Inheritance. Divorce. Retirement planning. Moments where you want a second brain — not someone selling you something.
Steve Conley is a Chartered Financial Planner working exclusively on the client's side of the table. Hourly paid. Conflict-free. No products. No commissions.
Two ways to access support:
Annual Retainer — £245/year
Bottomless email Q&A support plus 15-minute weekday calls. Ask anything, as often as you need. The expert in your corner — for less than £5 per week.
One-to-One Sessions — £200/hour
For moments that need focused, personal attention. Available when you need them. No ongoing commitment required.
GET SUPPORT - FREE TO THOSE WHO NEED IT
Get SAFE (Support After Financial Exploitation)™
get-safe.org.uk
Support After Financial Exploitation
Not everyone comes to financial planning from a position of stability.
Some people have been harmed. Mis-sold. Exploited.
Left in financial difficulty by an industry that was supposed to serve them.
If that is you — or someone you know — Get SAFE provides free, independent, pre-legal support for people affected by financial exploitation.
FIGHT BACK - FREE
Goliathon
Via Get SAFE
David versus Goliath.
That is what it feels like when an individual takes on an institution that has harmed them. The institution has lawyers, systems, and time. You have a pile of letters, a fragmented timeline, and a story that makes sense in your head but looks like chaos on paper.
Goliathon is an AI-powered citizen investigator programme — delivered through Get SAFE — that helps you organise your case calmly, clearly, and without pressure.
The 90/10 Principle — How It Works in Practice
"90% of people, 90% of the time, can manage their own finances with the right tools and support. It’s only in moments of complexity, stress, or change that a thinking partner adds real value." - Steve Conley
What We Do Not Do
To be clear about how we operate:
-
We do not sell financial products
-
We do not take commissions or referral fees
-
We do not create dependency — we build confidence
-
We do not pressure people into services they do not need
-
We do not give regulated investment advice
If you need regulated investment advice — for example, to have investments arranged on your behalf — we can introduce you to an authorised adviser. But our philosophy is clear.
We sell plans, not products.
Emma Perry
"All I can tell you is it changed my life and now I am living a dream life that I never thought was possible."
Keith Humphrey
"We went from the small player at local networking events to the main player at the largest national accountant exhibitions in just two years."
Ian Martin
"Would highly recommend as a critical value-adding, value-for-money service - transparent fixed fees in exchange for unbiased, expert and actionable advice."
Real Voices
Our Promise
Everything we do is designed to help you understand your options, build financial confidence, and stay in control of your life decisions.
With autonomy. With dignity. With support — when you want it.