Most people don’t need permanent advice.
They need a reliable structure for thinking well.
The Total Wealth Plan is built around a simple principle:
For most of life, structured self-direction is enough.
When complexity increases, support becomes appropriate.
This creates balance between autonomy and expertise.
The GAME Plan Framework
The Total Wealth Plan is built on the GAME framework:
G — Goals
Clarify what matters across life, livelihood, health, family, and legacy.
A — Actions
Identify obstacles, trade-offs, and realistic next steps.
M — Means
Design financial architecture to support your goals — income, savings, protection, investment.
E — Execution
Implement, monitor, adjust, and refine over time.
This is life-first planning — not product-first advice.
Most Planning Can Be Done Independently
In Self-Directed Mode, AI assists with:
• Structured questioning
• Cashflow modelling
• Scenario exploration
• Risk surfacing
• Trade-off clarification
The AI does not:
• Sell financial products
• Recommend specific investments
• Replace regulated advice
• Make decisions for you
It helps you think clearly.
For most people, most of the time, this is sufficient.
The System Flags Complexity
Some situations increase risk, emotional weight, or financial consequence.
The Total Wealth Plan highlights moments such as:
• Major life transition
• Legal or tax complexity
• Large asset movement
• Business events
• Pension decisions
• Inheritance
• Emotional stress affecting judgment
At these points, the system may suggest:
“Would you like to explore this with a planner?”
This is not a sales trigger.
It is a proportional response to complexity.
When Support Is Appropriate
If you choose to dial up support, you meet with a qualified Total Wealth Planner.
Sessions are:
• Time-bound
• Transparent in price
• Product-neutral
• Focused on decision clarity
The planner:
• Reviews your Plan
• Stress-tests assumptions
• Models alternative outcomes
• Clarifies risks and trade-offs
Once clarity is restored, you return to self-directed mode.
No dependency loop.
Traditional Advice Creates Two Extremes
-
Permanent adviser dependency
-
Isolated DIY confusion
The Total Wealth Plan creates a middle path:
Autonomy first.
Support when proportionate.
This is planning aligned with real human behaviour.
Ethical Foundations
The Total Wealth Plan is:
• Product-neutral
• Commission-free
• Transparent in pricing
• Sovereignty-first
• Human capital inclusive
AI is used as a structured thinking tool — not as a replacement for judgment.
When regulated advice is required, you are encouraged to seek it appropriately.
Traditional Advice Creates Two Extremes
-
Permanent adviser dependency
-
Isolated DIY confusion
The Total Wealth Plan creates a middle path:
Autonomy first.
Support when proportionate.
This is planning aligned with real human behaviour.
1
Create Your Plan
Create your personal Total Wealth Plan for free.
2
Self-Directed Mode
AI handles structured thinking and modelling for the 90%.
3
Supported Mode (When Required)
The system flags complexity. A human appears appropriately. The human exits cleanly.
AI handles structured thinking.
The system flags escalation.
A human appears when appropriate.
The human exits cleanly.