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CHOOSE YOUR TOTAL WEALTH PLANNER PATHWAY
Find the route that fits where you are — and where you want to go.
Find the right starting point for agency-led human–AI planning.
Explore the operating model, apply for professional accreditation or transition your existing GAME Plan practice to Academy OS.
Every pathway is built around the same principle: clients should remain continuously capable and in control, with professional expertise available when it matters.
The Destination
One professional operating model. Different starting points.
Total Wealth Planners combine the GAME Plan™ methodology, Academy OS™ and experienced human judgement to help clients operate their own planning system.
The full cohort programme leads to Total Wealth Planner accreditation.
The Foundations course provides an introduction before applying.
The Human–AI Practice Endorsement helps existing accredited practitioners transition into the new Academy operating model.
The destination is not simply a new service proposition. It is a different relationship between client, technology and professional:
Continuous client competence, with episodic human expertise.
ADVICE OUT. AGENCY IN.
TOTAL WEALTH PLANNING IS FOR EVERYONE
Total Wealth Planning exists to restore human agency across the whole of life and the whole of wealth.
We serve people—not portfolios.
That includes employees, occupational pension members, property owners, business owners, families, trustees, charities, people with overseas assets and people with no investable assets at all.
Our work is not limited to “retail clients”, because people are more than a regulatory category.
It is not limited to “retail investments”, because regulated investment products represent only a narrow part of human wealth.
On the Academy’s whole-wealth measure—drawing on established measures of household wealth and human capital—the retail investments at the centre of conventional financial advice represent less than 1% of the average person’s total wealth.
The rest includes:
• the present value of future earnings;
• knowledge, skills, health and productive capacity;
• occupational pensions and employment benefits;
• homes, land and other property;
• businesses and entrepreneurial potential;
• trusts, inheritances and overseas interests;
• family, relationships and social capital;
• physical, emotional and spiritual wellbeing;
• purpose, contribution and the ability to adapt; and
• the time, choices and possibilities still available.
We describe this as the wealth of the whole person:
Mind. Body. Heart. Spirit. Money.
WHAT WE DO
Using the GAME Plan™ methodology and Academy OS™, we help people:
• understand where they are;
• bring fragmented information into one coherent picture;
• identify what matters;
• recognise the resources already available to them;
• explore possibilities and consequences;
• test evidence, assumptions and AI-generated answers;
• coordinate different areas of life and specialist expertise;
• make informed choices; and
• act with confidence while retaining control.
The individual owns the information, operates the plan and remains the decision-maker.
Artificial intelligence provides continuous capability.
A Total Wealth Planner contributes human judgement episodically when complexity, stress, uncertainty or change makes it valuable.
WHAT WE DO NOT DO
Total Wealth Planning is not regulated retail financial advice.
We do not:
• recommend that a person buy, sell, switch or hold a particular regulated investment;
• arrange transactions in regulated investments;
• manage investment portfolios;
• take custody of client assets;
• receive product commissions; or
• make product suitability decisions on a client’s behalf.
Those activities are outside our service because they are not what this business does.
No product sales. No regulatory exposure. No conflicts of interest.
If a person chooses to obtain regulated investment advice, legal advice, tax advice or specialist implementation, they can engage an appropriately authorised or qualified professional for that particular task.
That specialist contributes expertise to the person’s plan.
They do not become the owner of it.
OUR CONDUCT RISK
Because we do not conduct regulated retail investment activity, our conduct risk is not the suitability of a retail investment recommendation.
We do not make one.
Our responsibility is to ensure that our agency work:
• represents information honestly and accurately;
• distinguishes evidence from assumption and interpretation;
• makes the limitations of artificial intelligence clear;
• protects privacy and personal data;
• remains within the practitioner’s competence;
• identifies when specialist expertise is needed;
• avoids undisclosed conflicts or commercial influence;
• does not manufacture certainty where uncertainty remains;
• does not substitute the planner’s preferences for the client’s values; and
• increases the person’s ability to understand, choose and act without creating a new dependency.
This is an agency model, not an advice model.
We do not take control of one regulated corner of a person’s financial life.
We help people retain control across the whole of their wealth and the whole of their life.
The Four Pathways
ACADEMY OS FOUNDATIONS — £595
Independent study. Supported. Global.
An introduction to agency-led human–AI planning for qualified financial professionals who want to understand the Academy operating model before applying for accreditation.
You will explore how GAME Plan™, Academy OS™ and proportionate human expertise work together to build continuous client capability.
What's included:
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introduction to the Academy operating model;
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foundations of GAME Plan™;
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guided exploration of Academy OS™;
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responsible human–AI planning principles;
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professional boundaries and proportional support;
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Academy learning resources;
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email question support; and
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£595 credit towards the full accreditation programme if you progress within six months.
This course does not confer Total Wealth Planner accreditation.
This pathway is for you if:
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you want to explore the model before applying;
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you prefer to begin through independent study;
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you want to understand Academy OS in practice;
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you are not yet ready to commit to a live cohort.
FOUNDING COHORT — £2,495
Live group learning. Applied practice. Professional accreditation.
The first Total Wealth Planner accreditation cohort built around the Academy’s new human–AI operating model. Over 12 weeks, you will learn how to combine GAME Plan™, Academy OS™ and episodic human expertise to help clients manage their own information, planning and decisions.
What's included:
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live facilitated cohort workshops;
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full GAME Plan Practitioner learning;
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practical Academy OS application;
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human–AI judgement and assurance;
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shared casework and peer learning;
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professional boundaries and referral;
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observed practice and assessment;
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Total Wealth Planner accreditation on successful completion;
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Academy Membership;
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Practice Management Circle participation; and
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12 months of implementation and community support.
This pathway is for you if:
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you hold a QCA Level 4 or equivalent financial-services qualification;
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you want to build an agency-led planning proposition;
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you value live learning and peer accountability;
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you want to become competent in hybrid human–AI planning;
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you are ready to put the model into practice.
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Founding cohort places are limited to 8–10 practitioners.
STANDARD COHORT — £2,995
The complete 12-week accreditation programme.
Future cohorts will follow the same professional standard established through the founding cohort. The programme combines structured learning, live group workshops, Academy OS practice, shared casework and assessed professional application.
What's included:
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GAME Plan™ methodology;
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Academy OS™ practitioner competence;
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whole-person and human-capital planning;
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responsible human–AI practice;
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proportional planning and episodic expertise;
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client-agency assessment;
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professional boundaries and specialist referral;
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practical casework;
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observed practice and assessment;
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Total Wealth Planner accreditation on successful completion; and
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continuing implementation and peer support.
This pathway is for you if:
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you want the complete professional accreditation;
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you prefer live cohort learning to one-to-one tuition;
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you want to develop applied competence rather than simply complete an online course;
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you want to build a commercially sustainable agency-led practice.
ACADEMY OS HUMAN–AI PRACTICE ENDORSEMENT — £495
Transition existing accreditation into the new Academy operating model.
This shorter programme is exclusively for existing accredited GAME Plan Practitioners and Total Wealth Planners. It develops the additional competence required to use Academy OS as the client’s operating system and combine continuous AI support with episodic human expertise.
The programme is included for active accredited Academy practitioners who complete it during the transition period. The £495 fee applies to accredited alumni who are not currently active Academy practitioners.
What's included:
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the new Academy operating model;
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Academy OS practitioner application;
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human–AI judgement and assurance;
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evidence, uncertainty and critical challenge;
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proportional human intervention;
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professional boundaries and escalation;
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one applied client case;
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one AI-assurance exercise; and
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the Academy OS Human–AI Practice Endorsement on successful completion.
This pathway is for you if:
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you already hold GAME Plan Practitioner or Total Wealth Planner accreditation;
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you want to transition your practice to Academy OS;
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you want your existing accreditation to reflect human–AI competence;
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you want to adopt the new operating model without repeating your original training.
NOT SURE WHERE TO START?
The first question is not simply which course to buy.
It is whether you are exploring the model, ready to become accredited or already accredited and transitioning your practice.
A free 15-minute clarity call will help establish the appropriate starting point based on your qualifications, experience and intended practice.
No sales script. No pressure. If the programme is not the right fit, we will say so.
ALREADY PART OF THE ACADEMY?
Existing accredited GAME Plan Practitioners and Total Wealth Planners can complete the Academy OS Human–AI Practice Endorsement.
The endorsement is included for active accredited Academy practitioners during the transition period.
Existing members who have not yet become accredited can apply for the founding cohort and retain access to their current membership and community support.
NOT READY FOR A COURSE?
You can begin by:
• taking the Total Wealth Planner Readiness Assessment;
• joining the Academy as a member;
• attending a taster or briefing session;
• exploring Academy OS; or
• booking a free 15-minute clarity call.
You do not need to choose your full pathway yet.
Begin with the next step that helps you understand the model and decide whether it fits your future practice.
What We Do Not Do
To be clear about how we operate:
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We do not sell financial products
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We do not recruit for providers or networks
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We do not pressure people into decisions
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We do not promise outcomes we cannot control
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We do not use sales scripts or artificial urgency
Our role is to develop professional competence—not create dependence on Steve or the Academy.
Accreditation is based on demonstrated understanding, applied judgement and practice capability. It is not awarded merely for attending sessions or completing course material.
Every pathway conversation begins with an honest assessment of eligibility and fit.
Programme leadership by Steve Conley BSc FCII—Chartered Financial Planner, Chartered Insurer and founder of the Academy of Life Planning—with learning strengthened through cohort discussion, peer experience and applied practice.