At Heart & Ledger, our pricing reflects the level of oversight, responsibility, and personal involvement required to manage daily financial details properly. Unlike hourly or transactional services, our packages are designed to provide ongoing care, consistency, and accountability—not one-off tasks.
We believe pricing should be clear, predictable, and aligned with real needs, especially when finances, independence, and family peace of mind are involved.
Our Service Packages at a Glance
Essential Package
Reliable Oversight With Minimal Disruption
Designed for clients who are largely independent but want reassurance that their finances are being watched consistently.
Includes:
- Monthly bill pay and cash flow management
- Ongoing account monitoring and issue resolution
- Secure documentation and organized records
- Email and phone support
- One virtual or in-person visit every three months
Monthly Fee Starting at $350
How this compares:
This package costs less than hiring an hourly bookkeeper while providing ongoing professional oversight, not just task completion.
Standard Package
Proactive Involvement & Regular Check-Ins
Designed for clients who want more active support and coordination as financial complexity increases.
Includes everything in Essential, plus:
- Increased monitoring and follow-up
- Coordination with financial advisors and attorneys
- Support during life changes and transitions
- One virtual or in-person visit every other month
Contact us for pricing
How this compares: This level of service often replaces multiple disconnected providers by offering one consistent point of accountability for daily financial matters.
Premium Package
Hands-On Support for Complex Financial Lives
Designed for clients and families who need comprehensive daily money management and ongoing involvement.
Includes everything in Standard, plus:
- Priority response and issue escalation
- Family communication and coordination (with permission)
- Oversight across multiple financial institutions
- Complex bill and account management
- Monthly virtual or in-person visits
Contact us for pricing
How this compares:
Premium clients receive a level of daily financial stewardship that often prevents costly errors, missed issues, and family stress—at a fraction of the cost of crisis intervention later.
Bill Pay Services
Bill Pay is available as a standalone service or as part of a package.
Standalone Bill Pay
- Monthly Fee starting at $135
- Ideal for clients who only need help paying and organizing bills
- Follows strict authorization and verification procedures
Bill Pay Within Packages
- Included in Standard and Premium
- Available as an add-on for Essential
All bill pay services are handled with documented controls, accuracy checks, and transparency.
Service Level Comparison
Choose the Level of Support That Fits Your Needs
| Service | Essential | Standard | Premium |
|---|---|---|---|
| Best For | Independent clients who want reassurance | Clients needing proactive involvement | Complex financial lives & family coordination |
| Monthly Fee (Starting At) | $350 | Contact us for pricing | Contact us for pricing |
| Monthly Bill Pay & Cash Flow Management | ✔ | ✔ | ✔ |
| Ongoing Account Monitoring | ✔ | ✔ Enhanced | ✔ |
| Issue Resolution & Follow-Up | ✔ | ✔ Proactive | ✔ Escalated |
| Secure Records & Documentation | ✔ | ✔ | ✔ |
| Email & Phone Support | ✔ | ✔ | ✔ Priority |
| Virtual or In-Person Visits | Quarterly | Every Other Month | Monthly |
| Coordination With Advisors & Attorneys | — | ✔ | ✔ |
| Support During Life Transitions | — | ✔ | ✔ |
| Family Communication (With Permission) | — | — | ✔ |
| Monthly reporting | — | Limited | ✔ |
| Estimated Monthly Cost | — | Limited | ✔ |
Why Heart & Ledger Pricing Is Structured This Way
Our pricing reflects:
- Ongoing responsibility, not one-time tasks
- Daily oversight, not occasional check-ins
- Human judgment, not automation alone
- Professional accountability, not informal help
Unlike hourly services, our package model ensures:
- Consistency
- Predictable costs
- No pressure to “rush” work
- No surprise invoices
Comparing Heart & Ledger to Other Options
| Option | Typical Limitations |
|---|---|
| Family handling finances | Emotional strain, lack of structure, risk of burnout |
| Hourly bookkeepers | Transactional, inconsistent oversight |
| Advisors handling cash | Not designed for daily bill and account management |
| Automation alone | No judgment, no oversight, no advocacy |
| Heart & Ledger | Ongoing care, structure, coordination, and accountability |
Choosing the Right Level of Support
Most clients:
- Start with Essential for peace of mind
- Move to Standard as complexity increases
- Transition to Premium during retirement, illness, or family involvement
Services are designed to scale smoothly, without disruption.
A Thoughtful Investment in Peace of Mind
Heart & Ledger services are not just an expense—they are an investment in:
- Financial clarity
- Reduced stress
- Protection against costly mistakes
- Family reassurance
- Continued independence
Let’s Talk About What Fits Your Needs
We don’t believe in pushing packages. We believe in matching support to real life.
Schedule a confidential consultation
We’ll walk through your situation and recommend the level of service that makes sense—now and in the future..