For financial advisors.
Household Ledger — professional bookkeeping for your clients' personal finances.
Walk into planning conversations with real numbers, without doing the data gathering yourself. We set your clients up in Monarch Money, review their accounts, and deliver a clear picture of what comes in, what goes out, and what's left to save. It goes to them and, with their permission, to you.
The problem
The plan is only as good as the spending number underneath it.
You know the meeting. You ask what they spend each month and get a shrug and a guess that's off by a third. Retirement timelines, insurance needs, savings targets — all of it sits on top of that number.
Data gathering is the least billable, least enjoyable part of planning, and it's where the process stalls. That's the part we take.
What your clients get
A real picture of income versus expenses: their monthly income, their fixed ongoing expenses, their total spending, and what that leaves available to save each month
Built from the history their banks share with Monarch, often a few months and up to twelve, and reviewed by a human bookkeeper, not an algorithm's best guess
A simple start: they connect their own accounts in Monarch Money with our one-page checklist, and we get on Zoom with them if they're stuck
One short email of questions about the transactions only they can explain
A 20 to 30 minute Zoom call to walk through their numbers
Reports in hand in up to four weeks, sooner if they respond quickly
See exactly what your clients see: heartandledger.com/household
How the handoff works
1. You send the link. Your client gets heartandledger.com/household. The page opens by naming the referral — "Referred by your financial advisor? You're in the right place" — so they land knowing why they're there. No forwarding instructions, no attachment, nothing to remember.
2. They start directly. A short form, then an invoice. They name you on the form, and we let you know we're working with them. Your client engages us and pays us directly, so you're never in the middle of the transaction.
3. You get the picture too. With your client's written OK, their reports come to you as well, in as little as 7 days from the day they pay. Your next planning conversation starts from their real numbers.
4. Your meetings get easier. Reviews start from real numbers instead of a data-gathering session.
The real payoff is what happens after setup.
Once a client has their reports in hand, we offer them monthly service. It keeps the picture current and fills it in:
Every transaction categorized by a human bookkeeper, with their Amazon and Target orders connected so spending by category is real
A monthly net worth estimate that includes what no app can reach: the mortgage, investment accounts where the provider connects, a loan to a family member, cash kept at home
A monthly Zoom review with their bookkeeper
Their monthly reports sent to you, if they choose
(You'll notice their page doesn't price a monthly service. That's deliberate: the offer lands better against a delivered result than a promise.)
A sample monthly cash flow report from the ongoing service, with spending broken out by category.
A sample net worth estimate from the ongoing service. Manual entries, such as a private note, a family loan, or cash at home, sit alongside connected accounts.
What it costs your client
$500, one-time, for setup through their first reports, paid up front. One month of Monarch Money is included, and the process is built to finish inside it. If a client's delays extend the work past that month, additional charges may apply.
Monthly service is offered after delivery, typically $200 a month for most households; larger households (many accounts, heavy volume) are quoted individually. If they continue, we keep carrying the Monarch subscription. If not, we close it at delivery. Their reports are theirs to keep, and nothing recurring is left in your client's name.
Setup has no contract to sign. The terms are a few plain-language lines on the invoice. And you'll never be surprised by what a client you sent us is paying.
Ask about our Preferred Advisor Program.
Clean lines, by design
Direct engagement. Your client hires us and pays us directly. We don't pay referral fees and we don't share revenue — there is no compensation arrangement between us.
Bookkeeping only. We don't sell products or manage assets. No investment, tax, or legal advice. The planning is yours.
One answer, every time. If a client asks us a planning question, they hear the same thing: ask your advisor.
Questions from your compliance team? We're glad to get on a call or put the structure in writing.
Start with one client.
Book a fifteen-minute call. We'll walk through a sample report, answer any questions, compliance included, tell you about our Preferred Advisor Program, and get you set up to refer in one link.
Heart and Ledger is an independent bookkeeping firm. We are not affiliated with any broker-dealer, RIA, or insurance company, and we do not provide investment, tax, or legal advice.