Heart & Ledger

Let Heart & Ledger bring clarity to your finances and secure your peace of mind

Heart & Ledger provides ongoing daily money management services for individuals and families who want their financial lives handled accurately, transparently, and without conflicts of interest. We do not manage investments, sell financial products, or provide financial planning. Our sole focus is the day-to-day execution and oversight that keeps everything running smoothly.

We are intentionally capacity limited so every client receives consistent attention, continuity, and care

Who We Serve ?

Heart & Ledger works best for clients who value structure, accountability, and calm.

We typically serve:



• Older adults planning for longevity

• Busy professionals with complex financial lives

• Families supporting aging parents

• Individuals experiencing life transitions

• Advisors and attorneys seeking operational support for shared clients

Our clients are not looking for quick fixes. They are looking for reliable, ongoing oversight.

What We Do?

Daily money management is the operational layer of a financial life. It includes the tasks that must be done correctly, on time, and consistently — but which are often overlooked or fragmented.

Our services include:

• Bill pay and cash flow administration

• Preparation and oversight of cash transfers

• Account organization and documentation

• Ongoing monitoring of accounts and activity

• Issue resolution with financial institutions

• Secure recordkeeping and audit trails

• Coordination with advisors, attorneys, and family members

We act as a steady presence, ensuring details are handled and nothing falls through the cracks.

Snowbirds and Seasonal Travelers

Seasonal travel can make it difficult to manage routine financial administration from a distance. Timely bill payment, accurate recordkeeping, and document access remain essential regardless of location.



Heart & Ledger provides ongoing financial organization and bill payment support to ensure continuity, accuracy, and reliable access to financial records while clients are away.

Primary Financial Point Person

In many households, one individual serves as the primary manager of financial responsibilities. Changes in availability, health, or capacity can create challenges in maintaining consistency and oversight.



Heart & Ledger supports continuity by providing organized financial administration and clear documentation, helping ensure financial responsibilities are managed reliably and transparently.

Tax Season Stress

Tax preparation often requires the timely collection of detailed financial documentation, increasingly in electronic form. Incomplete or disorganized records can delay preparation and increase administrative burden.



Heart & Ledger maintains organized, year-round financial records and prepares tax-related documentation in a clear, electronic format suitable for professional review, while preserving complete records for client reference.

Monthly Bookkeeping Support

Ongoing bookkeeping and financial organization require consistency and attention to detail, but can be time-consuming for individuals and households.



Heart & Ledger provides structured bookkeeping support, ensuring financial records are current, accurate, and well organized on a recurring basis.

Budgeting and Cash-Flow Reporting

Effective financial oversight benefits from clear cash-flow visibility and regular comparison of expected and actual activity.



Heart & Ledger prepares monthly cash-flow budgets and variance summaries, documenting trends and material differences to support client awareness and coordination with professional advisors.

Professional, Responsive Service

Clients work with a dedicated point of contact who provides reliable communication, clear expectations, and timely follow-through.



Heart & Ledger emphasizes professionalism, discretion, and consistency, ensuring clients and their advisors have confidence in the accuracy and organization of financial information.

Summary

Heart & Ledger provides non-advisory financial administration and organization services designed to complement investment, tax, and legal professionals. Services are administrative in nature and performed at the direction of the client.

Compassionate Daily Money Management for Life’s Details

At Heart & Ledger, we provide reliable daily money management services that bring clarity and organization to your finances. Whether you’re juggling household bills, supporting an aging parent, or managing personal accounts, we help simplify your financial life with care and consistency.

We specialize in bill paying services, personal bookkeeping, and budgeting support — taking on the everyday financial details that can become overwhelming. Every client receives individualized attention, regular communication, and complete transparency.

Our goal is to give you peace of mind. You’ll always know your bills are paid, your records are current, and your accounts are accurate.

At Heart & Ledger, we combine precision with empathy — because financial organization isn’t just about numbers. It’s about trust, security, and the freedom to focus on what truly matters.

Essential

Reliable oversight with minimal disruption

Includes

• Monthly bill pay and cash flow management
• Account monitoring and issue resolution
• Secure documentation and records
• Email and phone support
• One virtual or in-person visit every three months

Monthly Fee: Starting $350

Standard

Proactive involvement and regular check-ins

Includes everything in Essential, plus:

• Increased monitoring and follow-up
• Coordination with advisors and attorneys
• Support for life changes and transitions
• One virtual or in person visit every other month

Contact us for pricing

Premium

Hands-on support for complex financial lives

Includes everything in Standard, plus:

• Priority response and escalation
• Family communication and coordination
• Oversight of multiple institutions
• Complex bill and account management
• Monthly virtual or in-person visits

Contact us for pricing

Choose the Level of Support That Fits Your Needs

Bill Pay Services

Bill pay is available as a standalone service or included within packages.

• Standalone Bill Pay: Starting at $125 per month
• Included in Standard and Premium packages
• Available as an add-on for Essential

All bill pay services follow documented authorization and verification procedures.

Important Notes:

• Clients remain fully in control of all financial decisions
• Heart & Ledger does not provide investment advice
• No discretionary investment authority is ever assumed
• Services can scale over time as needs change
  

Gentle, Trustworthy Help for Seniors and Families

Heart & Ledger provides compassionate financial management for seniors and their families. We handle bill paying, record keeping, and account reconciliation with the highest level of care and discretion.

Our daily money management for seniors helps maintain independence while reducing the stress that often comes with managing household finances. We also work closely with powers of attorney, trustees, and family members to ensure everything stays organized and transparent.



With our trusted guidance, seniors and caregivers alike can feel confident knowing every financial detail is being handled with integrity and respect.