Your Total Wealth Plan.
Self-Directed by Default.
Supported When It Matters.
A free AI-powered planning system that helps you clarify your goals, model decisions, and move forward with confidence — with human support available only when complexity, stress, or life change requires it.
No product sales.
No commission.
No obligation.
How It Works
Most financial planning is either overwhelming or unnecessary.
Traditional advice is expensive and ongoing.
DIY tools are shallow and disconnected.
Life decisions don’t happen every week — they happen in waves.
You don’t need permanent advice.
You need a system that works most of the time — and support when it truly matters.
For 90% of life, you can plan clearly on your own.
The Total Wealth Plan helps you:
✔ Clarify what matters most
✔ Map your goals across life and money
✔ Model cashflow and trade-offs
✔ Explore income and asset strategies
✔ Surface risks before they become problems
This is structured thinking — not financial product selling.
You stay in control.
When decisions become complex, the system flags it.
Certain moments deserve support:
• Major life change
• Business sale or redundancy
• Divorce or separation
• Retirement transition
• Inheritance
• Planning paralysis
• Emotional stress
The Total Wealth Plan highlights when thinking alone may no longer be optimal.
You choose whether to dial up support.
Support is available — but never required.
When needed, you can book a session with a qualified Total Wealth Planner.
• Transparent hourly pricing
• No retainers
• No percentage fees
• No ongoing dependency
You step into supported mode when clarity requires it — and return to self-directed mode when confidence returns.
When decisions become complex, the system flags it.
Certain moments deserve support:
• Major life change
• Business sale or redundancy
• Divorce or separation
• Retirement transition
• Inheritance
• Planning paralysis
• Emotional stress
The Total Wealth Plan highlights when thinking alone may no longer be optimal.
You choose whether to dial up support.
1
Start Your Plan
Create your personal Total Wealth Plan for free.
2
Self-Directed Mode
AI handles structured thinking and modelling.
3
Supported Mode (When Required)
The system flags complexity. A human appears appropriately. The human exits cleanly.
This is planning without dependency.
The Total Wealth Plan is:
• Ethical
• Product-neutral
• Transparent
• Human capital inclusive
• Sovereignty first
We don’t manage your money.
We help you manage your power.