Public-Interest Protection Tools for the Age of AI
Helping individuals restore human agency in a world of increasingly automated, persuasive, and structurally complex systems.
Life planning.
Decision support.
Financial clarity.
Evidence organisation.
Informed consent.
No product pushing.
No hidden incentives.
No dependency model.
Just practical tools that help people think for themselves before, during, and after major life and financial decisions.
90% Principle
90% of People. 90% of the Time.
You don’t need ongoing financial advice.
You need:
✔ The right tools
✔ Structured thinking
✔ Intelligent modelling
✔ A way to test decisions safely
Most financial advice is permanent.
Most DIY tools are shallow.
This sits in between.
Professional-level structure—without handing over control.
THE PLATFORM
The Total Wealth Planning Ecosystem
A growing suite of applications—each designed to support a specific area of your life.
Use one. Use several.
They work independently—and as a system.
Core
Planning
Total Wealth Plan™
Your central life and financial planning system. Structure your decisions, model outcomes, and stay in control.
Total Family Office – Control Tower™
Oversee and coordinate complex financial lives with clarity and structure.
Specialist Planning
Occupational Pension Planning Engine™
Structured modelling for workplace pension decisions—without product bias.
Total Community Plan™
Plan and organise collective or community-based initiatives.
Decision & Risk Tools
The Leveller™
Understand contracts, risks, and hidden power imbalances—before you commit.
Goliathon™
Structure complex situations, organise evidence, and make clear decisions under pressure.
Professional Pathway
Become a Total Wealth Planner™
Assess your readiness and transition into a new model of financial planning.
And other score apps.
These tools provide illustrative calculations for planning purposes only. They are not a substitute for professional advice. Please confirm all details with your scheme administrator or a qualified financial professional before making decisions. The Academy of Life Planning accepts no responsibility for the accuracy of the outputs.
HOW IT WORKS
Simple. Structured. In Your Control.
02
Use what you need
Each app solves a specific planning problem.
03
Stay in
control
You make decisions—the system supports your thinking.
04
Escalate only when needed
Support is available when complexity genuinely increases.
DONE-BY-YOU MODEL
Done-By-You.
Supported When Needed.
This is how planning should work.
You:
• Clarify what matters most
• Define meaningful goals
• Model cashflow
• Explore income strategies
• Assess trade-offs
• Surface risks early
The system:
• Organises your thinking
• Structures decisions
• Highlights blind spots
• Keeps everything connected
No one manages your money.
No one earns from your decisions.
MOMENTS THAT MATTER
Planning Happens
in Moments That Matter
Life doesn’t require weekly advice.
But when decisions come—they matter:
• Career changes
• Moving home
• Starting or exiting a business
• Family transitions
• Retirement planning
Between those moments, you don’t need advice.
You need structure.
That’s what this provides.
WHY MULTIPLE TOOLS
Why Multiple Tools?
Because life isn’t one problem.
Different decisions require different frameworks.
Each app is:
• Focused
• Structured
• Simple to use
Together, they form a complete planning system—without unnecessary complexity.
WHEN COMPLEXITY INCREASES
When Complexity
Genuinely Increases
Occasionally, life becomes:
• Technically complex
• Emotionally charged
• Legally nuanced
• High consequence
At that point, you can choose to speak with a qualified Total Wealth Planner.
• Transparent hourly pricing
• No retainers
• No asset-based fees
• No ongoing obligation
Then you return to self-directed mode.
Support is optional.
Independence is default.
WHAT MAKES THIS DIFFERENT
This Is Not Financial Advice, It's Financial Agency
This platform is built on a simple principle:
You don’t need someone to take control of your decisions.
You need:
-
Structure
-
Clarity
-
The ability to think clearly
-
The confidence to act
The system supports your thinking.
You remain responsible for your decisions.
That’s financial agency.