Build a plan that stays with you.
Your life does not stand still between meetings with a planner. Self OS gives you free Academy tools to understand where you are, keep your own record, explore choices and build a Total Wealth Plan™ you can revisit as life changes.
Start independently. Ask for a second brain when a decision warrants it. You remain in charge throughout.
No product sales. No commissions.
No requirement to become a paying client.
ACADEMY OS · 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.
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.
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.
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.
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 have not saved, it focuses on what you still have -- the expertise, relationships, knowledge, and wisdom that do not retire -- and shows you exactly how to turn that into reliable income.
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 turn the dial back down when the need passes. Your record and tools remain with you at every setting.
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
These four tools are a place to start. The Academy of Life Planning is developing further AI-assisted tools for understanding decisions, reviewing information, protecting yourself and navigating complex situations.