Build a plan that stays with you.
Your financial planning shouldn't stop when a professional meeting ends.
Academy OS gives you AI-powered tools to organise your finances, explore options, test scenarios and maintain a living Total Wealth Plan as your circumstances change.
Your My Life Record remains free and under your control. Academy OS applications are available for £4.99 per month, or included in your Total Wealth Planner support package.
Your plan. Your information. Your decisions.
No product sales. No commissions.
No requirement to become a paying client.
MY LIFE RECORD · FREE TO START
How your Self OS works
A starting point, not a test you must pass
You can begin with whichever question matters most. These four tools work together:
The tools help you explore. You make the decisions.
You can move between them as often as you need; there is no prescribed route or deadline.
Financial Activation Scorecard™
Understand Your Financial Agency.
Choose Your Next Step.
The Financial Activation Scorecard takes around 10 minutes. Through 20 statements and three short scenarios, it helps you reflect on five areas of your financial life: ownership, understanding, judgement, action, and adaptation and support.
You receive a profile showing your strengths, an area to develop and a possible next step, taking account of your situation and how you prefer to be supported. Choosing appropriate help counts as activation.
FAM™ is an Academy of Life Planning pilot measure and is not yet a validated scale. Your profile is a conversation starter, not a pass mark, diagnosis or confirmation that you can safely manage every financial decision independently.
How able you feel to act can change with experience, stress, health and circumstances. If a decision feels unfamiliar, pressured or difficult to check, pause and seek appropriate help. Your results are available on screen; email is optional.
The measure does not recommend a product or decide whether you are suitable for a particular investment.
Ask My Adviser™
Understand What You Pay. Test What You Receive. Decide What You Need.
Ask My Adviser is a free app from the Academy of Life Planning that helps you understand the financial advice you receive and prepare better questions for your adviser. Explore costs, services, recommendations and alternatives using your own documents. You don’t need to be a financial expert, and no sign-up is required.
Add your suitability reports, review letters, fee statements or client agreements, explain what matters to you and choose up to three questions. The app examines the evidence, highlights gaps and considers the strongest fair case for your adviser. It then creates an editable, one-page meeting agenda. After your meeting, add your adviser’s response to see what has been answered and what remains unresolved.
The purpose is a fair, informed conversation that strengthens your understanding and control. Ask My Adviser supports education and scrutiny; it does not tell you to buy, sell, transfer or cancel investments. Check important figures and conclusions before acting. Good advice should stand up to questions. A good relationship makes room for them.
Still have unanswered questions?
If you've reviewed your adviser's documents but still need help understanding your options or deciding what to do next, bring your questions to a 50-minute Strategy Zoom Meeting with Steve Conley.
£50. No product sales. No ongoing commitment.
My Life Record™
Keep your story and information in your hands
Your record belongs to you. My Life Record™ helps you bring together the goals, values, documents and life details that matter to your decisions. It is stored in your own Google Drive; you control who can access it and for how long.
Use it to reduce repetition, keep track of what changes and carry your context into Academy OS tools or a conversation with a professional. Your planner may change. Your record stays with you.
My Life Record is free to use. Your information remains accessible whether or not you subscribe to Academy OS.
Access: Included with your Academy OS subscription (£4.99/month) or Total Wealth Planner support package.
Navigator™
Explore the financial consequences before you choose
Can you work less? Help a family member? Move home? Retire at a different age? Navigator™ lets you build a lifetime cashflow picture and compare “what if?” scenarios, including changes to spending, saving and income.
It is a model, not a prediction. Check the inputs and assumptions, and revisit them when your circumstances change. If a choice has major or irreversible consequences, a professional can help you examine what the model may have missed.
Access: Included with your Academy OS subscription (£4.99/month) or Total Wealth Planner support package.
Total Wealth Plan™
Bring the whole life into the decision
Money is one part of your life. Total Wealth Plan™ is an AI-assisted planning conversation that helps you connect finances with work, health, family, relationships, time and purpose. Use it to clarify what matters, explore options and make a practical plan you can update.
AI can be useful and confidently wrong. Check important facts, challenge its assumptions and bring in appropriate expertise when the stakes are high. The plan is yours, and so is the final decision.
Access: Included with your Academy OS subscription (£4.99/month) or Total Wealth Planner support package.
Get ICE™
Keep earning by choice, not necessity.
Get ICE™ helps you move beyond financial anxiety in later life towards a confident, productive second chapter -- on your own terms.
Whether you are approaching retirement with a smaller pension pot than you hoped, still working but uncertain about your financial future, or simply not ready to stop -- Get ICE™ gives you a structured, AI-powered plan to activate the human capital you have spent a lifetime building.
Rather than focusing on what you haven't saved, Get ICE focuses on what you still have — the expertise, relationships, knowledge and wisdom that don't retire — and helps you explore practical ways to turn those assets into additional income.
Access: Included with your Academy OS subscription (£4.99/month) or Total Wealth Planner support package.
When to turn the Support Dial
Your OS is continuous. Human expertise is there when it helps.
Use Self OS through ordinary life. Turn towards professional support when you face complexity, uncertainty, significant consequences, limited time or capacity, or conflicting views and interests.
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One decision or a difficult question: book a Second Brain Session to examine the issue, your research, an AI output or a proposed course of action.
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Reassurance within reach: choose the Independent Financial Lifeguard service for ongoing access to a trusted human safety net.
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Several connected decisions or a major transition: explore the Annual, Quarterly, Monthly or Unlimited settings on the Support Dial.
You can increase or reduce professional support as your circumstances change. Your My Life Record remains yours and stays accessible.
Academy OS applications remain available while your app subscription or qualifying support package is active.
If you need a recommendation on a specific regulated financial product, or legal, tax or other specialist advice, use an appropriately qualified and authorised specialist. A Total Wealth Planner™ helps you recognise that boundary.
Explore the wider Academy OS
A tool for the question in front of you
Academy OS offers a growing collection of AI-powered tools to help you understand financial decisions, explore possibilities, review information and navigate life's challenges.
Start with the question that matters to you. Use the tools independently and bring in professional support whenever it adds value.
Start taking control of your financial planning today.
Begin for free with the Financial Activation Scorecard and My Life Record. Discover your strengths, organise your information and identify the questions that matter.
When you're ready to explore scenarios and build your Total Wealth Plan, Academy OS provides additional tools for £4.99 per month.
Your information stays yours. The level of support is your choice.
Agency by default. Expertise by exception. Support in proportion to need.