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Academy Membership
Your operating system for life and wealth.
Academy Membership gives you Academy OS, practical frameworks, community and a trusted human support layer—helping you manage your own information, planning and decisions continuously.
It is for anyone who wants greater agency across the whole of life and wealth: mind, body, heart, spirit and money.
£24 per month or £245 per year.
No portfolio required. No products to buy. No ongoing advice relationship.
You remain in control.
One membership. Two ways to use it.
Personal
membership
Use Academy OS, practical resources and trusted support to understand and direct the whole of your life and wealth—not merely your money or investable assets.
Personal members use the Academy to:
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organise important life and financial information;
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see connections between work, money, health, relationships, purpose and future possibilities;
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understand unfamiliar concepts and communications;
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prepare for important decisions and professional conversations;
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ask short questions as they arise;
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obtain reassurance before acting;
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identify potential problems before they become difficult to reverse; and
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develop greater confidence and capability over time.
The purpose is not to turn everyone into an expert.
It is to help every person become a more capable principal in decisions affecting their life.
Professional membership
Use the Academy’s frameworks, tools and community to develop an agency-led practice for the age of AI.
Professional members can:
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explore Total Wealth Planning™ principles and methods;
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learn how Academy OS™ can operate as the client’s planning system;
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apply Academy frameworks in their own work;
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access business-planning templates and practitioner resources;
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learn from other planners, coaches and practitioners;
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develop propositions based on continuous client competence and episodic expertise;
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keep up with emerging thinking on AI, total wealth and human agency; and
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contribute to a growing public-interest movement.
Professional membership does not confer accreditation or permission to use protected professional designations. The Total Wealth Planner accreditation programme develops and assesses competence in GAME Plan™, Academy OS™ and agency-led human–AI practice.
What is included
01
Full access to Academy OS
Academy OS is your operating system for life and wealth.
Its connected AI-supported applications and practical frameworks help you organise information, see the whole system, explore choices, maintain your plan and act with greater confidence.
Personal members use Academy OS to manage their own lives and decisions.
Professional members learn how to help clients operate their own system without taking authority away from them.
02
Total Wealth Plan
Use the Total Wealth Plan to explore questions, clarify priorities, understand options and turn uncertainty into practical next steps.
It can help you:
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think through an important decision
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prepare questions for an adviser or provider
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understand unfamiliar language
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explore possible consequences
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identify gaps in your knowledge
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organise your next actions
The Total Wealth Plan is designed to support thinking, not replace judgement.
03
Financial Activation Measure
The Financial Activation Measure helps you assess how confident, informed and capable you currently feel when making financial decisions.
It focuses on agency rather than wealth.
Personal members can use it to identify areas for development. Professional members can use the underlying framework to better understand the difference between informed participation and passive dependency.
04
My Life Record
My Life Record helps you organise the information that matters across your financial and wider life.
Create a clearer picture of your circumstances, preserve important knowledge and reduce the fragmentation that often makes decisions harder than they need to be.
Private WhatsApp community
Academy Membership includes access to the private Academy of Life Planning community on WhatsApp.
The community brings together personal members, planners, practitioners and supporters who share an interest in better decisions, greater capability and more human-centred financial planning.
Short-question community support
Ask focused questions, share experiences and benefit from the collective knowledge of the Academy community.
Topic-based member groups
Join conversations around particular interests without having to follow every discussion.
Groups may cover areas such as:
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personal financial capability
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retirement and later life
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business and professional development
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AI and financial planning
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life planning and well-being
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consumer protection and financial harm
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Total Wealth Planning™ practice
The aim is to create useful conversation, not another source of noise.
Unlimited email Q&A support
Members can submit short questions whenever they need clarification, another perspective or help identifying the next useful question.
This may include:
• understanding a document, term or communication;
• preparing for a meeting or conversation;
• exploring the implications of a decision;
• testing whether an interpretation appears reasonable;
• identifying missing information or assumptions;
• recognising matters requiring closer attention; or
• applying an Academy framework personally or professionally.
Where a question requires substantial research, detailed analysis or deeper planning work, we will explain the appropriate episodic support before any additional cost is incurred.
Independent support when something does not feel right
Financial difficulty often begins with a feeling that something is unclear, rushed or inconsistent.
Members can seek an independent perspective before making an important decision or when they are concerned about something they have been told.
Membership includes:
Independent second opinions
Receive an impartial perspective on a financial decision, proposal, contract or professional situation.
Reassurance before acting
Check your understanding, identify missing information and consider what further questions should be asked.
Early warning
Recognise possible risks before they develop into costly or stressful problems.
Priority email support
Receive priority support during periods of complexity, pressure, uncertainty or change.
Short telephone check-ins
When something unexpected happens, a short conversation may be enough to restore clarity and identify the next sensible step.
These check-ins are intended for focused questions rather than detailed planning engagements.
Learning, webinars and events
Membership includes access to:
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regular Academy updates
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member webinars
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exclusive events
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open learning sessions
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the Academy Webinar Video-on-Demand Channel
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new tools and resources
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continuing improvements to Academy OS
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emerging research and thought leadership
Members can follow the development of the Academy’s ideas and participate in the wider conversation about how financial planning should evolve in the age of AI.
Business planning templates and professional support
Members developing a practice, service, project or sustainable livelihood can access business-planning templates and general professional support.
Resources may cover:
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purpose and positioning
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client needs
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propositions and services
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pricing and business models
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delivery processes
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communications
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professional development
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practical implementation
The emphasis is on building useful, sustainable work that strengthens the agency of the people it serves.
Fund the Trail
Academy Membership does more than provide tools, learning, community and support.
Your subscription helps build a practical alternative to systems that concentrate information, expertise and authority in institutions.
That work includes:
• developing Academy OS as a client-owned operating system for life and wealth;
• creating tools that help people investigate, understand, plan and decide for themselves;
• establishing Total Wealth Planning as an agency model rather than an advice model;
• developing professional standards for agency-led human–AI practice;
• demonstrating that planning can address the whole of human wealth—not merely retail investment products;
• correcting misinformation that treats all financial planning as regulated retail investment advice;
• helping insurers, platforms and professional bodies understand the distinction;
• supporting Get SAFE’s free tools, training and pro bono public-interest work; and
• building the evidence, language and working practices needed for a new profession to grow.
The barriers are cultural and commercial as well as regulatory.
They persist because established systems benefit when people believe that expertise must remain permanently outside them.
Academy members help prove that another model is possible:
People own their information.
People operate their plans.
People retain authority.
AI provides continuous capability.
Human expertise is used episodically when it adds value.
We push the walls down so that those who follow do not have to.
Additional one-to-one planning support
Some personal or professional questions require more time than can reasonably be provided through community discussion, email Q&A or a short telephone check-in.
Members can access additional one-to-one planning support for £200 per hour.
This may include:
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detailed personal life and financial planning
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scenario analysis
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decision support
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retirement planning
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document review
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business planning
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proposition development
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practice development
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support during major transitions
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preparation for complex professional conversations
You remain free to use as much or as little additional support as you need.
A different relationship with expertise
Traditional professional services often treat expertise as something people must continually rent.
The Academy takes a different approach.
Good expertise should increase your capability—not preserve your dependency.
Academy OS provides continuous support for organising information, maintaining plans, exploring choices and improving judgement.
Human expertise is available episodically when complexity, stress, uncertainty or change makes it valuable.
For personal members, that means remaining the principal in your own life.
For professional members, it means developing services that leave clients more capable than you found them.
The aim is not independence at all costs.
It is continuous agency with proportionate, episodic expertise.
AN AGENCY MODEL—NOT AN ADVICE MODEL
Academy Membership does not place your life, assets or decisions under someone else’s control.
We do not manage investments, recommend or arrange regulated retail investment products, take custody of assets or charge a percentage of wealth.
Those activities are not a restricted part of our membership service. They are not what this business does.
The Academy helps people understan
Where legal, tax, medical, regulated investment or other specialist expertise is required, members remain free to engage an appropriately qualified professional for that particular purpose.
The specialist contributes expertise.
The individual remains the principal.
Join the Academy of Life Planning
Academy Membership is for people who want to:
• understand their lives and total wealth more clearly;
• organise information around themselves rather than institutions;
• make better-informed decisions;
• retain control while knowing support is available;
• use artificial intelligence without surrendering human judgement;
• develop agency-led professional practices;
• explore the future of whole-person planning; and
• contribute to a movement restoring human agency.
Flexible membership
£24/ month
No long-term commitment.
Annual membership
£245/ year
Receive twelve months of membership for the cost of approximately ten.