Cash Flow Services
Administrative support designed to bring clarity, organization, and peace of mind to your financial life.
Heart & Ledger provides Cash Flow Services that focus on the day-to-day administration and organization of personal finances. These services are intended to help individuals and families stay informed, organized, and confident in managing their financial responsibilities.

All services are administrative in nature, performed at the direction of the client, and designed to complement — not replace — investment, tax, or legal professionals.
Bill Pay Support
Managing recurring bills can feel overwhelming, especially during busy or transitional periods of life. Heart & Ledger assists with the organization and processing of household bills, helping clients stay on top of due dates and payment activity. This support is designed to reduce stress and improve consistency in managing regular financial obligations.
Cash Flow Tracking & Oversight
Understanding how money moves in and out each month is an important part of staying organized. Heart & Ledger helps track income and expenses and prepares summaries that reflect actual financial activity. These reports are intended to support awareness and provide helpful context for discussions with accountants or other professionals.
Account Review & Organization
Heart & Ledger assists with organizing bank and credit card accounts and reviewing statements for clarity and accuracy. This service helps clients maintain a clearer picture of their financial activity and identify questions or items that may need follow-up with a financial institution.
Reconciliation & Recordkeeping
Well-maintained records can make financial life significantly easier. Heart & Ledger supports clients by reconciling accounts and maintaining organized financial records. These records are prepared for ease of reference and can be shared with tax preparers, attorneys, or other professionals at the client’s request.
Budget Preparation & Reporting
Heart & Ledger prepares budget summaries and cash flow reports using client-provided information. These materials are intended to help clients understand spending patterns and month-to-month activity, and to support informed conversations with trusted advisors.
Document Organization
Financial paperwork can accumulate quickly. Heart & Ledger assists with organizing financial documents — both paper and digital — so information is easier to locate when needed. This service supports preparedness for tax season, life transitions, or everyday financial administration.
Administrative Support with Financial Institutions
When questions or discrepancies arise, Heart & Ledger can help clients gather information and communicate with banks or service providers, always with appropriate authorization and direction from the client. This service is intended to reduce frustration and save time.
Coordination with Trusted Professionals
Heart & Ledger works collaboratively, at the client’s request, with accountants, attorneys, financial advisors, and family members. By providing organized financial information and administrative support, Heart & Ledger helps create continuity and efficiency across a client’s broader professional team.
