THE HUMAN SIDE OF YOUR SELF OS
TOTAL WEALTH PLANNING SUPPORT
Financial planning when you need it. Not necessarily forever.
You may have a single financial question, an important decision to make or several connected issues that need careful thought.
Whatever your circumstances, you should be able to get the planning help you need without being required to hand over your investments or commit to ongoing asset management.
That's how Total Wealth Planning works.
Start with one conversation. Arrange focused planning for a particular decision. Or choose more regular professional support when life becomes complicated.
Your Academy OS helps you maintain your plan between conversations, so the capability stays with you even when you no longer need frequent professional involvement.
Continuous agency. Episodic expertise.
Prefer to begin independently? Explore Academy OS — £4.99/month. My Life Record remains free.
GET SUPPORT
Keep your OS. Adjust your support.
90% of people, 90% of the time, can manage their own finances with the right support.
The dial is not a ladder you have to climb. Free tools may be enough for years. A single decision might call for a Second Brain Session. Lifeguard can offer reassurance in the background. Annual, Quarterly, Monthly or Unlimited support can help during periods with several connected decisions. When the work is done, turn the dial down again.
Academy OS continues at every setting. Human expertise changes with your need.
What would help today?
Academy OS
For people who are comfortable planning independently.
Use Navigator™ and other Academy OS tools to organise your finances, explore scenarios and maintain your own plan. My Life Record remains free.
Best for: everyday planning, exploring options and self-directed decision-making.
Cost: £4.99/month. Included in all Total Wealth Planner support packages.
Lifeguard
For people who manage their own finances but want professional backup when needed.
Includes full Academy OS access, priority email support, independent second opinions, early warnings and short check-ins. Additional planning meetings are available for £50 per 50 minutes.
Best for: independent planners who want continuous capability and reassurance without ongoing asset management.
Cost: £29 per month.
Annual
For people who want to manage their own financial planning, with a structured professional review each year.
Includes full Academy OS access, Independent Financial Lifeguard and one annual planning review with a Chartered Financial Planner.
Best for: people whose circumstances are relatively stable but who value an annual opportunity to review progress, test assumptions and plan ahead.
Cost: £495 per year.
Quarterly
For people facing several connected financial decisions who want more regular professional planning support.
Includes full Academy OS access, Independent Financial Lifeguard and four planning reviews each year with a Chartered Financial Planner.
Best for: retirement preparation, career or business transitions, family financial decisions and circumstances requiring regular reassessment.
Cost: £1,095 per year.
Monthly
For people navigating significant financial or life changes who want regular, structured professional planning support.
Includes full Academy OS access, Independent Financial Lifeguard and twelve planning reviews each year with a Chartered Financial Planner.
Best for: retirement transitions, complex family finances, bereavement, divorce, redundancy or other periods of sustained change.
Cost: £2,695 per year.
Unlimited
For people with complex financial circumstances or major life transitions who need intensive professional planning support.
Includes full Academy OS access, Independent Financial Lifeguard and unlimited planning reviews with a Chartered Financial Planner throughout the year.
Best for: complex family finances, business exits, major life changes and situations requiring close professional involvement.
Cost: £4,995 per year.
Second Brain Session
Bring the problem, not the portfolio.
A Second Brain Session is for one question, one decision or a situation you cannot yet see clearly. You might bring a pension choice, an inheritance, a career change, a proposed financial arrangement, your Navigator model or an answer produced by AI.
We work through what you know, what you are assuming, what could go wrong and which options deserve closer attention. I will challenge an AI output where its confidence runs ahead of the evidence and help you see when a regulated adviser or another specialist is needed.
How it works
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Tell me the question. Send a short outline and any information you want me to consider. You can share relevant parts of My Life Record if you choose.
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Think it through together. Use 90 minutes of professional support, normally as three 30-minute Zoom conversations, so you have space to reflect and return with better questions.
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Leave with a next step. Receive a written summary of the key issues, assumptions, options and possible next actions. Your decision remains yours.
£297. No obligation to subscribe or buy further planning. If deeper work would help, we will discuss its scope and price separately before you choose it.
Independent Financial Lifeguard
Stay independent without feeling alone.
Most financial questions do not arrive neatly on an annual review date. The Lifeguard service gives people who normally manage for themselves a continuing human safety net. Ask an early question, sense-check your thinking or seek reassurance when something does not feel right.
£29 per month includes:
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Full Academy OS access — all applications unlocked.
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Your free, client-owned My Life Record.
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Priority email support for planning questions.
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Independent second opinions.
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Early warnings of potential planning issues.
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Short WhatsApp check-ins when appropriate.
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Community and ongoing financial education.
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Additional 50-minute planning meetings for £50 each.
You might use it when a firm makes an unexpected recommendation, an inheritance creates new choices, markets unsettle you, a family member needs help or you have researched an issue with AI and want a human perspective.
Your Lifeguard does not monitor your accounts continuously, manage investments, make decisions for you or provide an emergency response. Extensive research, modelling or document analysis may require a separately agreed session. Where regulated or other specialist advice is needed, I will help you recognise the boundary.
When you need more structured planning
Turn the dial up for as long as the work requires.
Some periods bring a set of connected questions: retirement and work, a business exit, family support, bereavement, separation or a change in health. Annual, Quarterly, Monthly and Unlimited settings give you different levels of structure and access. We agree what work is needed and what it costs before it begins. Support can reduce again when you are ready.
What a Total Wealth Planner™ contributes
The value of a modern planner is in helping you see the whole system, test assumptions and AI outputs, organise complexity, navigate change, avoid costly mistakes and recognise when specialist expertise is needed.
I do that work with you, using the information and plans you choose to share. I do not need to control your record or keep you dependent on an ongoing service for the planning to be valuable.
Agency by default. Expertise by exception. Support in proportion to need.
Common questions
Do I need to use Academy OS before booking a financial planning session?
No. You can come directly to me with your financial planning problem. Academy OS can help you organise information, explore options and maintain your plan, but you don't need a subscription or a completed plan to book professional support.
Which financial planning service should I choose?
Start with a £50 Strategy Zoom Meeting if you're unsure what help you need. Choose the £297 Second Brain Session for 90 minutes of focused support with a particular decision. Financial Lifeguard (£29/month) provides continuous Academy OS access and professional backup when needed. None requires you to transfer investments or enter an ongoing asset-management relationship.
Can I bring my own research or an AI answer?
Yes. Bring the source, the assumptions and the question you are trying to resolve. We will test what the answer does and does not establish.
Can you recommend a particular investment or pension product?
No. The service provides planning, education and decision support. If you need a personal recommendation or implementation involving a regulated product, use an appropriately authorised adviser. Legal, tax and other specialist questions need appropriately qualified professionals.
Will you take over or hold my information?
No. Your My Life Record remains under your control. You choose what to share for the work and can change access afterwards.