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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
FAST TRACK — £3,495
Personal training. Accredited within 90 days.
Bespoke one-to-one training with Steve, followed by nine months of mentorship to embed your learning and grow your practice.
What's included:
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six 90-minute accreditation sessions;
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Academy OS Foundations and GAME Plan™ Practitioner training;
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all nine online training programmes;
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Total Wealth Planner accreditation on successful completion;
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nine monthly mentorship sessions in months 4–12;
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a pre-designed website template; and
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12 months of Practice Management Circle membership.
This pathway is for you if:
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you prefer individual tuition;
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you want to work towards accreditation within 90 days; and
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you value personal support as you launch and grow.
STANDARD TRACK — £2,495
Independent learning.
Personal mentorship throughout.
Combine self-paced online training with twelve monthly one-to-one mentorship sessions with Steve to develop your competence, work towards accreditation and build your practice.
What's included:
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Academy Complete Programme Collection—all nine online programmes;
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Academy OS Foundations and GAME Plan™ Practitioner training;
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twelve monthly personal mentorship sessions in months 1–12;
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Total Wealth Planner accreditation on successful completion;
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a pre-designed website template; and
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12 months of Practice Management Circle membership.
This pathway is for you if:
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you want personal guidance alongside independent study;
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you prefer steady progress with monthly mentorship; and
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you want support applying your learning and developing your practice.
PEER TRACK — £1,590
Independent learning. A professional community beside you.
Combine self-paced accreditation training with a year of Practice Management Circle learning, peer challenge and business development.
What's included:
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all nine online training programmes;
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Academy OS Foundations and GAME Plan™ Practitioner training;
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Total Wealth Planner accreditation on successful completion;
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12 months of Practice Management Circle membership;
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live group sessions, case discussion and practitioner networking;
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CPD masterclasses and recordings; and
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everything in Academy Membership.
This pathway is for you if:
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you are comfortable studying independently;
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you value regular group support; and
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you want help applying your learning and developing your practice.
The initial price includes £595 for training and £995 for one year of PMC membership. Continuing PMC membership costs £995 a year if renewed.
REMOTE TRACK — £840
Learn at your pace.
Ask for support when needed.
Self-paced online accreditation training with a year of Academy Membership providing email Q&A, community support and learning resources.
What's included:
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all nine online training programmes;
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Academy OS Foundations and GAME Plan™ Practitioner training;
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Total Wealth Planner accreditation on successful completion;
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12 months of Academy Membership;
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unlimited email Q&A and short-question community support;
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private WhatsApp community; and
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webinars, recordings, planning resources and updates.
This pathway is for you if:
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you prefer flexible, independent study;
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you want the lowest-cost accreditation pathway; and
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you are comfortable seeking support when you need it.
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 50-Minute Strategy Call for £50 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 purchase lifetime access to the Academy Complete Programme Collection for a one-time payment of £595.
The collection includes all nine online training programmes, combining Academy OS Foundations, GAME Plan™ Practitioner training and supporting masterclasses.
Refresh your knowledge, develop your human–AI planning practice and revisit the training at your own pace.
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.