🧇 The Weekly Waffle – Academy Town Hall Highlights August 23rd, 2024 📅 |
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Story of the Week
The Future of Financial Planning is Here! 🌟💼 For years, I’ve been championing a change in the financial services industry, and it seems the world is finally catching up! 🌍 The industry that’s often trusted as much as a used car salesman is now beginning to admit what I’ve known all along: much of what’s labelled as "financial advice" is just a way to sell products. But here's the exciting part—while some are stuck in their old ways, the future is bright with Holistic Financial Planning. 🌱 This approach puts your entire well-being—mind, body, heart, and spirit—front and centre, treating you as a whole person, not just a potential sale. If you're ready to break free from the old financial nonsense and focus on what truly matters, dive into my latest article where I share why the industry is finally starting to wake up. Let’s embrace a more mindful, transparent way of planning for your future together!🌟 Read more. 😅
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Editor, The Weekly Waffle
Meet Steve Conley: From Banker to Life Planner Extraordinaire 💼🌟 Hello, I’m Steve Conley! After years in the high-pressure world of City banking, I chose a different path—one that focuses on what truly matters: helping you grow your human capital, not just your financial assets. 💪 I’m here to cut through the noise and reveal the truths that others might not want you to see. If you’re ready to take control of your life and focus on your overall well-being, head over to www.steveconley.co.uk and check out my book, "Your Money or Your Life: Unmask the Highway Robbers - Create Wealth in Every Area of Your Life!" 📚 ⚠️ Just a heads-up: Those who’ve profited from the old ways might find this a bit uncomfortable. ⚠️ But if you're ready for a refreshing, honest approach, let's embark on this journey together! 🌟
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Hi, Waffle Aficionado!
Welcome to the Friday Lunch Bunch—Your Weekly Dose of Delightful Distractions 🍽️✨ Pull up a chair and get comfortable because it’s that time of the week again—welcome to the latest episode of the Friday Lunch Bunch! 🎉 Whether you're taking a break or just need a little pick-me-up, we’ve got a fantastic lineup of stories you didn’t even know you needed. From intriguing insights to light-hearted fun, we’re here to help you escape the everyday grind for a while. So, let’s dive into the headlines and enjoy this ride together! 😏🚀
Your selected articles: The creating wealth bit. |
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Building a Sustainable, Low-Risk Financial Advising Practice 🚨💼🌱 Many advisers unknowingly take on significant risks by stepping into investment management—risks that can lead to serious legal and financial consequences. But there’s a better way. 💡 In my latest article, I explore why shifting your focus to financial planning can help you maintain a steady income without the heavy liabilities. It’s all about empowering your clients, building trust, and securing a business that lasts. 🌟 Click the link to read more and discover a path to a more secure, fulfilling practice. Let’s embrace a transparent and trustworthy way to grow together! 🙌🔗 🤑 Read more. 👍🌝😉.
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Breaking Free from the Outdated Life Model 🚨💰💪 Guess what? The old three-stage life model—study, work, retire—is still being pushed by asset managers who want you to think you’re doomed if you don’t save a fortune for retirement. 💰💀 But let’s be honest—who actually lives life in such tidy little boxes anymore? 🙄 It’s 2024, and we’re still being scared into believing we need to hoard every penny just to survive old age. 🤦♂️ How about we focus on something more meaningful, like investing in our health, nurturing our relationships, and picking up new skills along the way? 💪👩🎓 Let's challenge this outdated model and introduce a fresh approach to planning for your future—one that doesn’t involve stockpiling cash as if it’s the only way forward. 🙏 Read more. 👍🌝😉.
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Take Control of Your Finances—Be Your Own Adviser 💪🧠✨Still waiting for that financial adviser to call you back? 😅 We’ve all been there. But why wait when you can take control of your finances yourself? 💪 Forget relying on someone else to “sort out” your money. With a little guidance from us, you can become your own financial guru. 🧠✨ We’ve got the tools, tips, and a sprinkle of sass to help you on your journey to financial independence. 💥 Check out our latest article where we spill the tea on why YOU should be your own financial adviser—because let’s face it, no one cares about your money more than you do. Let’s get started on your path to financial empowerment! 🚀 📰 Read more. 📈😅
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🚀 Stay Confident, Financial Planners! 💼💡 If you're feeling uneasy about recent headlines on fines for unauthorised investment advice, don't worry—there's no need for concern if you’re sticking to generic guidance! 🎉 FCA Regulated Investment Advice involves specific product recommendations, but offering general financial insights, like the basics of stocks vs bonds or how compound interest works, is a different ballgame and perfectly safe. ✅ Generic advice is crucial in empowering individuals, especially those without access to regulated advisers, helping them make informed decisions and build better financial health. So, keep sharing your valuable knowledge, stay within your lane, and continue making a positive impact! 🌟 💪✨ Read more. 📈😅
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The Irony of Wealth: More Money, More Stress? 💰😅 Got a few extra zeros in your bank account? 😏 You'd think that would buy you peace of mind, but it turns out even the well-heeled can't escape financial stress. 🥴 Whether it's the fear of outliving their lifestyle, worrying about investments 📉, or the ever-looming tax man 💸, the wealthy face their own unique brand of money anxiety. Who knew that having a pile of cash could bring so much...stress? 😅 Dive into the irony of wealth and worry in our latest article and discover how even those with plenty can still find themselves tangled in financial concerns. Let's explore this unexpected twist together! 🌟 🌟 Read more. 📈😅
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🚨 Breaking News: Hargreaves Lansdown’s High-Tech Makeover 🚨💼🤖
Hargreaves Lansdown, once the darling of DIY investing, is getting a high-tech makeover—courtesy of private equity! 💼🤔 Expect old-school tech, hefty fees, and a new robo-adviser overlord to help “manage” your money. But will this be a game-changer or just another way for the big players to cash in? 🤑 DIY investors, stay alert! ⚠️ Keep an eye on those VFM (value for money) traffic lights and always aim for green! 🟢🟢🟢Let’s stay informed and navigate these changes together to ensure you get the value you deserve. 🌟🌟 Read more. 📈😅
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🎶 The Financial Advice Market’s High-Stakes Game of Musical Chairs 🎶💼 The financial advice market is in the middle of a high-stakes game of musical chairs—who's going to be left without a seat? 🤔💼 Dive into the latest moves by FNZ and Timeline, where big bets, platform deals, and a dash of irony are creating quite the stir. 🌩️💸 Is this the endgame for smaller advisers, or just another round of asset hoovering? 🌀 Stay informed and see how these shifts could impact your practice and the broader market. Let's navigate this ever-changing landscape together! 🌟 Read more. 😅
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🌞 Summer's Here! But What About Your Savings? 😅💸 Summer’s full fling—time for fun, sun, and... watching your savings go up in smoke? 😅 If you’re a working parent, you know the drill. While the kids are living their best life, you’re juggling sky-high childcare costs and a work schedule that just won’t budge. 📅💸 And as if that’s not enough, pension companies are having a meltdown because you’re not squirrelling away enough for retirement. 🙄 But really, who needs a cushy retirement when you can just work until you're 100, right? 🤷♀️ Flexible work? A chance to actually see your kids grow up? It’s time we rethink this whole “work-life balance” thing. 🔄👨👩👧👦 Read more. 😅
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🌍💸 Save the Planet While Stashing Your Cash! 🌿✨ Want to save the planet while making sure your money is working for a better future? Turns out, you can! These Top 10 Sustainable Banks of 2024 are doing more than just counting profits—they’re committed to a future where we don’t need four planets to survive. 🌱💚 If you’re tired of your money supporting the same old destructive practices, it’s time to make the switch. Remember, every pound is a vote for the world you want to see. 🌍 Check out the list and find your new financial BFF (Best Friend Forever) today! Let’s make a difference together, one pound at a time. 💪✨ Read more. 😅
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🚶♂️💊 Are You Aging Before Your Time? Here’s How to Slow It Down! 😱🍷 Feeling like you’re aging before your time? 😱 You’re not alone! In this eye-opening article, discover 11 surprising things that might be speeding up your journey to the early bird special 🐦🍽️. And guess what? It’s not just about cutting back on 🍷 and 🧁. Think more along the lines of befriending younger folks, taking the stairs 🚶♀️, and maybe reconsidering that mountain of pills 💊 you’re taking "just in case." Dr. Pollock’s got some wisdom 💡 you won’t want to miss—especially if you’re aiming to age like fine wine 🍷 and not like expired milk 🥛. So, put down the remote 📺, step away from the chair 🪑, and take a peek 👀 at how to keep the grim reaper waiting a bit longer ⏳✨ Read more. 😅
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💼👴 Extending Your Working Life for the Kids? Let’s Rethink That! 🏡 Would you add an extra 5-10 years to your working life just to help the kids buy a house? Sure, why not? Who needs retirement when you can keep the grind going! 🏡 But what if work didn’t feel like work, and you actually enjoyed it? 🤔 Imagine staying curious, engaged, and healthy enough to keep going—and still having cash left over to help your kids climb that property ladder. 🧗♂️ Forget what the pension companies tell you about “shortfalls” and early retirement. They’re banking on you wanting to quit at 65. 😏 Let’s think smarter, not harder, and explore how you can keep working on your own terms while supporting your family’s future. 🌟✨ Read more. 😅
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🧓💼 Working Until You Drop? Let’s Rethink Retirement! 🎓💸 Who’s ready to keep working until they drop just to put the grandkids through private school? 🎓 With the Labour Government slapping VAT on school fees, you might as well kiss that cruise goodbye and get cozy with your desk. But hey, who needs relaxation when you can pay for Timmy’s fancy education, right? 🏫💰 And let’s not even start on those pension companies telling you to save every penny for a cliff-edge retirement—they clearly haven’t met you. 🙄 Find work you love, keep the cash flowing, and show everyone that retirement is just a state of mind. 🤑 It’s time to redefine what retirement means for you—on your own terms! ✨ Read more. 😅
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👀 Is 80 the New 60? Let’s Talk About the Future of Retirement 🤔💸 Is 80 the new 60? 🤔 It seems the days of retiring at 65 and sailing into the sunset 🛳️ might be behind us. With shrinking pension pots 💸 and rising costs 🏠, many of us could be working well into our golden years. But hey, who needs a beach in Spain 🏖️ when you can still be productive at 80, right? 😅 In our latest article, we explore how future retirees can stay healthy, wealthy (maybe), and wise well into their later years. It’s not all doom and gloom… just mostly. 😉 Let’s look at how we can make the best of this new reality together! ✨ Read more. 😅
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🌟 Protect What Matters Most! 🌟 In today’s world, unexpected challenges can easily throw us off course. With rising housing costs and dwindling savings, the risk of a health event interrupting your income has never been higher. But there’s a way to protect yourself and your loved ones! 🏠💼 We’ve partnered with LifeSearch to help you find the perfect financial protection—whether it’s life insurance, income protection, or critical illness cover. And here’s the best part: mention the Academy of Life Planning, and LifeSearch will pass on a cost-saving to you, reducing your policy premium! 💡💰 We receive no compensation for this—we’re simply here to ensure you get the best deal and the right cover for your needs. 🤝 Let’s safeguard your future together! ✨ Read more. 😅
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🌟 Cherish Every Moment, Build Your Legacy! 🌟 We all have those special memories that make life truly meaningful—moments filled with laughter, love, and connection. 💖✨ Imagine being able to preserve these beautiful memories forever, weaving them into the story of your life and sharing them with future generations. With USA's "The Times of My Life" app, you can do just that! 📸✨ This app lets you capture and share your cherished family moments, creating a legacy that will stand the test of time. Whether it’s a joyful moment with your kids or a heartfelt memory with loved ones, this is your way to ensure your life story is remembered and celebrated! 🌈📚 Let’s make sure your legacy lives on. ✨ Read more. 😅
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🎉 The Joys of Work: It Doesn’t Have to Be Soul-Sucking! 💼✨ Oh, the joys of work! 💼 Because who doesn’t love spending 40+ hours a week at a place that drains the life out of you, right? 😏 But what if I told you it doesn’t have to be that way? In my latest article, I dive into the wild idea that happier employees are actually more productive. 🙃 Shocker, I know! Explore the magical world where employers genuinely care about your well-being and values, and discover how this seemingly fairy tale approach can lead to a more motivated, loyal, and stress-free workforce. ✨ It’s time to rethink the way we work—because happiness at work isn’t just a dream, it’s a game-changer. ✨ Read more. 😅
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🌟 Are You Living Your True Life Plan? 🌟 We all have a life plan—sometimes hidden in the back of our minds—but are you truly heading towards the destination that feels right for you? 🗺️✨ It’s easy to get caught up in daily routines, chasing goals that might not even align with your true purpose. But what if you could recalibrate and steer your life towards what really matters? 💭 Life isn’t just about reaching the destination; it’s about the journey—discovering who you are, why you’re here, and how you can make a meaningful impact. 🌱 And the best part? You don’t have to do it alone. 🤝 Your life plan should be a roadmap to your authentic self—simple, honest, and true to your values. 🧭🌟 Remember, the best life you can live is the one where you are fully, authentically YOU. 🌟💪✨ Read more. 😅
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🔍 Understanding the Changing Landscape of Financial Advice 🔍 The labels "independent" and "restricted" don’t hold the same weight they used to in financial advice, as many advisers now operate within the confines of a single provider or platform. 🧐 What really matters is finding advice that aligns with your goals and offers good value for money. 💷 Whether you work with an adviser or manage your investments directly, the focus should be on transparency, simplicity, and cost-effectiveness. More people are choosing the direct route, using user-friendly platforms to take control of their finances. 🚀 Remember, it’s not about the labels—it’s about finding the right solution for you and securing your financial future with confidence. 💪 ✨ Read more. 😅
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🚨 Mark Your Calendars, Money Mavericks! 🚨 Ever dreamed of cutting out the middleman and seizing control of your financial destiny? 💸💪 Well, get ready, because the 2nd edition of Be Your Own Financial Adviser by the brilliant Jonquil Lowe is dropping on September 2nd! 📚✨ Why pay someone else to manage your money when you can do it better? 😏 This book is your go-to guide for navigating the financial jungle like a pro. Ready to unleash your inner financial wizard? 🧙♂️💵 Don’t miss out—mark your calendar! 📅🚀
🌟 Read more. 📈😅
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Weekly Grumbles: Meet the highway robbers! |
⚠️ Warning: This Content May Offend Former Highway Robbers. ⚠️ |
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🚨 The Financial Services Magic Show: When Up is Down and Minority Opinions Rule 🎩✨ In the world of financial services, up is the new down, and suddenly, minority opinions speak for the majority! 🙃 We explore the magical land where statistics are twisted, charts are puppets, and early retirement is supposedly everyone’s top priority (except, you know, most people). 🕵️♂️💼 Our latest article pulls back the curtain on the financial industry's most impressive tricks—if you’ve ever wondered how they make the numbers say whatever they want, this one’s for you. 📊🌀 Let’s uncover the truth together and see through the smoke and mirrors! 🌟 Read more. 📈😅
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🚨 VCs Want Your Pension Money! Is It Worth the Gamble? 🦄💰 The British Business Bank thinks your pension should be chasing risky startups instead of sticking with steady index funds. 😏 But before you jump on the bandwagon, remember: for every unicorn 🦄, there’s a herd of flops. Is it really worth the high fees and the gamble? 🤔 Our latest article dives into why this push might be more about boosting fund managers’ wallets 💰 than securing your retirement. Let’s explore the risks together and ensure your financial future is built on solid ground, not shaky bets. 🌟 Read more. 📈😅
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🚨 Retirement Regrets? Not as Common as They’d Have You Believe! 😏 We’ve all seen the headlines claiming retirees are drowning in regret for not planning early enough. But guess what? The numbers tell a different story. 😅 It turns out that 61% of retirees have ZERO regrets about their planning. So why are some companies making it sound like everyone’s in a panic? 🤷♂️ Get the full story and enjoy a good chuckle at the expense of those "concerned" financial advisers! Let’s cut through the noise and focus on what really matters—planning a retirement that feels right for you, without the unnecessary fear-mongering. 🌟 Read more. 📈😅
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🚨 The Great Platform Exodus: Are Advisers Just Casualties of the Cost of Living Crisis? 💸 Outflows from advised platforms have now risen for an eighth consecutive quarter. While advisers might point to mortgages and high-interest rates, the truth could be a bit more uncomfortable. 🤔 Perhaps clients are simply realising they don’t need a middleman to manage their money anymore! 💼📉 The traditional adviser model might be on its last legs as more people take control of their finances directly. 🚶♂️💻 Read the full article to explore why this shift is happening and what it means for the future of financial advice. Let’s dive into the changing landscape together! 🌟 Read more. 📈😅
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Share the Knowledge and Empower Yourself! 🌟 My work is "open source," so feel free to plagiarise, copy, and share as much as you like—because knowledge should be accessible to all. Thanks for being an Academy subscriber! Stepping up to your Academy Membership, at just £19 per month, gives you access to a full suite of tools, training, and resources, ensuring newsletters like this one keep coming. We’re committed to making sure you get every bit of value from your membership while supporting the empowerment movement for the underserved. Your journey towards financial independence and meaningful impact starts here, and we’re thrilled to be a part of it with you. 💪
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Member Live Events:
1. LIVE HapNav Mastery: Training & Support for Financial Planners
Let's get real—you can't do a holistic financial plan without a lifetime cash flow forecaster. And you can't empower clients to run their own finances without giving them an end-user financial planning app. 📊💡
🚀 Step Out of Your Comfort Zone with HapNav! 📈 I challenge you to step out of your comfort zone and embrace HapNav, the neurodiversity-friendly planning app. 🌟 It’s time to take your empowerment mission seriously and explore new ways to achieve your goals. HapNav is designed to support your journey, offering tools that are as inclusive as they are effective. Let’s move forward together, breaking boundaries and unlocking your full potential. 💪✨
In our HapNav Mastery session, I introduce HapNav, the groundbreaking financial planning tool that's here to revolutionise your world—or at least try. 🌟 Unlike those dusty old complex "planner tools" like Voyant and Truth, HapNav integrates open banking and offers a simple fresh take on financial planning.
This session dives into HapNav's cash flow planning tool and its sophisticated probabilistic system, which sounds fancy but is surprisingly user-friendly. You even get a 30-day free trial to play around with it and seamless bank account integration, because who doesn't love an app that actually works? Participants are not only encouraged but practically begged to engage with the app, provide feedback, and enjoy these sessions for continued learning and improvement. Because hey, we're all in this together, right? 😏📈
You are invited to a Zoom meeting. When: Weds, Sep 4, 2024, 04:00 PM London
Register in advance for this meeting: Zoom Registration Link
After registering, you will receive a confirmation email containing information about joining the meeting.
It’s time for the era of financial empowerment to begin. 🏆 👉 Last session available to view now Video-On-Demand.
2. ACADEMY OF LIFE PLANNING PARTNER PARADE WITH WISE MONKEY
🚀 Expand Your Skill Set with Financial Coaching! 🌟 Are you an accredited Game Plan practitioner looking to offer more holistic services to your clients? This is your chance! Join my special guest Simonne Gnessen, founder of Wise Monkey, for details of the renowned Financial Coach Practitioner Certificate Training Programme and the Community Membership Programme. 💼✨
Why Attend?
Expand Your Expertise: Add financial coaching to your repertoire, enhancing the value you provide to your clients. 📚💪 Community Support: Join a vibrant community of financial coaches for peer support, resources, and continuous learning. 🤝🌍 Expert Insights: Learn from Simonne Gnessen's extensive experience in financial coaching. 🎓💡
Take this opportunity to grow your practice and join a supportive network of like-minded professionals. Let’s elevate your holistic financial planning services together! 🚀🌟 🎓 Programme Highlights: Financial Coach Practitioner Certificate Training: Comprehensive curriculum covering coaching techniques, financial planning principles, and client relationship management.
Community Membership: Access ongoing support with webinars, networking events, and exclusive resources to grow your practice. 👥 Who Should View? Accredited Game Plan practitioners seeking to diversify their services. Holistic financial planners looking to incorporate coaching into their practice.
Professionals committed to enhancing their clients' financial well-being. 📢 Hear from Previous Trainees:
"A life-changing course that helped me find my true calling and improve my practice." - Former Trainee "The best investment I made in my career. Exceptional support and training." - Certified Coach
Check out the Wise Monkey website: Wise Monkey
Don’t miss this opportunity to advance your career and enhance your holistic financial planning services.Available to view on demand, absolutely FREE for an insightful session that could transform your practice.
Check out our VOD Channel now, it's on the FREE one!
Join us and take the first step towards a simplified, secure, and prosperous future. See you there!
3. 🎓 The Game Plan Evolution: CPD Masterclass Series S1: E10: The Impact Coach 💥
Ready to dive into September like a true financial mastermind? Or maybe just want to survive another month without losing your mind? Either way, we’ve got you covered with our latest Game Plan course schedule, meticulously curated (because we know you love that word) to infuse your practice with all the knowledge and strategies you didn’t know you needed. 📚💡 Each session, expertly presented by none other than Steve Conley—yes, he’s back again—offers you targeted insights into the practical implementation of the Game Plan. Because who doesn’t need more “practical implementation” in their life? 🎯 💸 Secure your place now! Free to Members!! 🤑
🕒 When & Where: 🗓️ Sep 26, 2024 ⏰ 06:00 PM London Time 📍 Zoom (Because in-person is so 2019) How to Join the Fun: Click that registration link before you forget: Register here 🖱️
Once you register, you’ll get a confirmation email with all the juicy details on how to join the meeting. Because we know you like to be prepared. 📩
About the Session: 💼 The Impact Coach:
On September 26 at 6:00 PM, get ready for 'The Impact Coach' session. It’s an immersive exploration into the psychology of human well-being and how clients’ needs evolve as they age—because who knew people change over time? 🤷♂️ We’ll discuss how to guide clients through this shift, from focusing on basic needs to chasing that elusive self-actualisation. All while making sure they don’t outlive their capital, of course. 🧘♂️💰 If you’re ready to level up your practice, impress your clients, and maybe even yourself, join us for this masterclass series. It’s more than just financial planning—it’s about creating a legacy (or at least pretending to). 🌱💼 See you there, or be square! 📅🎉
🍷🚪 Curtain Call, Town Hall Warriors!
You’ve just survived another round of the Academy’s infamous Friday Lunch Bunch. 🏆 Scatter freely, but oh—plot twist: there's homework. Because of course, there is. 📚 Check out the hyperlinks we’ve tossed around like a trail of digital breadcrumbs. 📎 Consider the gossip mill officially closed for the week.
If you’re craving a blast from the past, browse through our legendary pranks or book your seat for the next session of chaos on August 30th, 2024, at 12 PM London time. 🎟️🕛
That’s it for today’s banter broadcast. Until next time,
Keep those waffles waving! 🧇 Steve
Academy of Life Planning 🧀 Email: steve.conley@aolp.co.uk
P.S.Buckle up, financial adventurers, and dive into the latest blog from the Academy of Life Planning (AoLP) – your self-proclaimed partner in transformational financial life planning. 🌟📚 Here, they’re not just dishing out financial advice; they’re transforming lives with the finesse of a life coach wielding a spreadsheet. It’s not just about money; it’s about finding your inner financial peace in a world where peace comes with a price tag. So, check out their latest post and learn how to turn your financial dreams into reality—or at least a well-organized plan. Happy navigating! 🚀💼 Academy of Life Planning: Your Partner in Transformational Financial Life Planning
P.P.S. If you know anyone who would like to be added to our mailing list, please share this link.
Websites: Steve Conley, Academy of Life Planning, Planning My Life, Financial Life Coach, Steve's Blog.
Copyright the Academy of Life Planning Limited 2024. Contact us by email at info@aolp.co. The Academy of Life Planning Limited is a service sector trading company regulated by the Competition and Markets Authority and Registered in England and Wales number 8016568. Registered office address 9 Franklin Way, Spilsby, Lincolnshire, PE23 5GG, United Kingdom. Information Commissioner's Office reference number ZA502687.
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