.png)
Total Wealth Planner
™
You don’t need someone to manage your money anymore.
You need someone to help you think clearly about it.
Steve Conley BSc FCII APFS
Chartered Financial Planner
Work With a Total Wealth Planner™ — Clear Thinking When Decisions Matter Most
Today, information is no longer the problem.
With AI, you can access world-class financial insight in seconds — often for free.
​
The real challenge is knowing what matters, what applies to you, and what to do next.
​
That’s where we come in.
​
Most thoughtful people manage their own finances perfectly well.
But over time the system around you becomes more complicated.
Pension rules change.
Tax thresholds move.
Life itself goes through transitions.
At those moments, what many people want isn’t another product or portfolio manager.
They want an experienced, impartial second brain — someone who can help them think clearly, challenge assumptions, and make confident decisions.
Total Wealth Planner™ provides that space.
A calm, structured way to bring your money, work, and life decisions into alignment — without products, commissions, or pressure.
​
You use AI as your thinking tool.
You remain the decision-maker.
​
We act as your professional ally — helping you interpret, structure, and apply what matters.
A different way to plan your financial life
​
Traditional wealth management is built on managing your money for you — often charging a percentage of your assets year after year.
​
Today, with AI and open access to information, that model is no longer the only option.
​
Total Wealth Planning™ is built for a different world.
​
You stay in control.
You use AI to access insight.
We help you think clearly and make confident decisions when it matters most.
Unlike traditional financial planning:
​
• No percentage-based fees on your assets
• No product recommendations or commissions
• No loss of control
Instead, you pay for clear thinking — when you need it.
Over time, this can save you thousands in unnecessary fees, while keeping you fully in control of your financial life.
No sales. No obligation. Just a conversation.
You don’t need more financial products.
You need clarity when decisions matter.
Many people today are juggling:
• pension and retirement decisions
• tax planning and inheritance questions
• work, business, or life transitions
• financial choices that affect the rest of their lives
Even capable people can start to wonder:
“Have I missed something?”
Total Wealth Planning™ helps bring everything into view so decisions become calmer and clearer.
The Total Wealth Plan
A single, joined-up way to understand your financial life. Helping you:
This is planning for real life, not just finances.
“Using AI — properly”
You now have access to powerful AI tools that can model, explain, and explore financial decisions instantly — often for free.
​
But AI doesn’t replace judgement.
​
It still needs:
• context
• interpretation
• experience
That’s where we come in.
​
We help you use AI as a thinking tool — safely, clearly, and in a way that actually improves your decisions.
A simple, three-step experience
You leave with a written plan and a clearer path forward.
What you won’t get
​
• Product sales
• Commissions
• Pressure to hand over control
What you will get
​
• Independent, conflict-free thinking
• A plan you fully understand and control
• Professional clarity when decisions feel complex, stressful, or high-stakes
• A structured way to use AI safely and effectively in your own planning
You stay in control — always.
This Approach Works Best For People Who:
• normally manage their own finances
• want clarity before making important decisions
• prefer collaboration rather than delegation
• value independent thinking over product sales
If you’re looking for tips, products, or quick fixes, this won’t be the right fit.
Ongoing Support — Only If You Want It
Some clients simply need clarity on a particular decision.​
Others prefer ongoing thinking support as life evolves.
​
You can choose the level of support that feels right — from occasional Second Brain Sessions to deeper Total Wealth Planning™ projects.
​
No lock-ins. No pressure.
Led by a Chartered Financial Planner with over 40 years’ experience at senior levels of the profession, Total Wealth Planning combines deep expertise with a modern, client-first approach.
Why "Total" Wealth Planning
Because your life is bigger than your money.
​
We consider:
• Financial capital (your money and assets)
• Human capital (your skills, health, earning potential)
• Decision capital (your ability to make good choices over time)
​
Everything connected.
Everything aligned.
​
Most financial planning takes control away from you.
​
This approach is different.
​
It’s designed to strengthen your agency — not replace it.
Traditional Wealth Management
​
• Manages your investments for you
• Charges a % of your assets (ongoing)
• Focuses mainly on financial capital
• You delegate decisions
​
​
Total Wealth Planning™
​
• Supports your thinking — you stay in control
• Fixed fees or hourly — no asset-based charges
• Considers your whole life (financial, human, decision capital)
• You make the decisions, with expert support
List Title
Start with clarity
Book a short call and see whether Total Wealth Planning™ would help your situation.
If it’s not the right fit, I’ll tell you — honestly and upfront.
Choose Your Path
Start with Your Free Thinking Assistant
Access the Total Wealth Plan™ AI — your personal thinking tool for life and financial planning.
Use it to explore ideas, model decisions, and build your plan at your own pace.
​
Free to use. No obligation.
Your thinking. Your plan. Your control.
Add a Second Brain — When It Matters
When decisions feel complex, stressful, or high-stakes, you don’t have to think it through alone.
From just £245 per year, you can access ongoing support — a professional second brain to help you:
​
• sense-check your thinking
• work through important decisions
• stay clear and confident as life evolves
This includes unlimited Q&A support, so you always have somewhere to turn when it matters.
Contact
Address
Steve Conley
Total Wealth Planner™
9 Franklin Way
Spilsby
Lincolnshire
PE23 5GG
Phone No.
07850 102070
%20(4).png)
.png)
AoLP Approved 02/04/2025
Total Wealth Planner™ is an appointed representative of the Academy of Life Planning™. We operate exclusively under AoLP to provide Total Wealth Planning™ services, as detailed on the Academy’s website.