Ready to enjoy stress-free travel knowing your bills are handled? Contact Heart & Ledger at (507) 722-1562 to discuss your financial management needs and discover how our personalized services can keep your finances organized while you're away.

  • What is a Daily Money Manager?

    A Daily Money Manager is a professional who keeps your financial life organized, secure, and on track—while you remain in control. They complement, not replace, accountants, attorneys, and other financial advisors.

  • Who can benefit from your services?

    We help a wide range of clients, including:

    • Snowbirds/Seasonal Travelers who want peace of mind with bills while away.
    • Family Finance Managers who need backup support in case they can’t continue.
    • Tax season planners looking for organized, accountant-ready documents.
    • Busy individuals who dislike monthly bookkeeping.
    • Clients needing budgeting support with clear comparisons of budget vs. actual.

  • What services do you provide?

    Our services include financial bookkeeping, basic money management, bill paying, credit card reconciliation, bank account reconciliation, and income & expense tracking.

  • How do you support clients during tax season?

    We gather, organize, and provide your accountant with exactly what they need—electronically or otherwise—while ensuring you keep a complete copy of your records.

  • What makes Heart & Ledger different?

    We combine financial clarity with genuine care. Our phones are answered 24/7, 365 days a year by a live person, so you’ll always know when to expect a response.

  • Do you replace my accountant or financial advisor?

    No. We work alongside your accountant, attorney, or other financial professionals to ensure your finances are consistently organized and efficient.

  • What are your office hours?

    Monday–Friday: 8:00 AM – 4:00 PM

    Saturday–Sunday: By appointment only

  • Where are you located?

    We’re based in Rochester, Minnesota (55901), and serve clients locally and beyond.

  • Do you have insurance?

    We are insured under a standard business policy and also maintain Errors and Omissions coverage.

  • How can I get started?

    You can schedule a consultation directly through our website or call us at (507) 722-1562.

  • What financial services do you provide?

    We provide comprehensive financial bookkeeping services including bill paying, basic money management, income and expense tracking, and bank account reconciliation for Rochester and John Marshall, MN.

  • Do you specialize in services for travelers?

    Yes, we specialize in ensuring your bills get paid while you travel, especially during winter months when you're away from home enjoying the warmth.

  • What areas do you serve?

    We serve Rochester and John Marshall, Minnesota, providing personalized financial management services to clients throughout these communities.

  • What are your business hours?

    We're open Monday through Friday from 8:00 AM to 4:00 PM. You can reach us at (507) 722-1562 during business hours.

  • How does your bill paying service work?

    We handle all your bill payments while you're away, ensuring nothing gets missed so you can enjoy your travels with complete peace of mind.

  • Do you offer credit card reconciliation?

    Yes, we provide credit card reconciliation services to ensure your accounts are accurate and up-to-date, giving you clear financial visibility.

  • Can you help with income and expense tracking?

    Absolutely. We manage your income and expenses, providing detailed tracking and reporting so you always know where your money stands.

  • What's included in basic money management?

    Our basic money management includes bill paying, account monitoring, financial organization, and regular reporting to keep your finances running smoothly.

  • Do you provide bank account reconciliation?

    Yes, we handle bank account reconciliation to ensure your records match your bank statements, maintaining accurate financial records.

  • How do I get started with your services?

    Simply call us at (507) 722-1562 to discuss your financial management needs and learn how we can help maintain your bills while you travel.
Ready to enjoy stress-free travel knowing your bills are handled? Contact Heart & Ledger at (507) 722-1562 to discuss your financial management needs and discover how our personalized services can keep your finances organized while you're away.