Personal finance practice — working with clients remotely

Halvorsen & Reid

We put your spending, your budget and your savings goals on one page, and keep them there.

Request a consultation See what we do
  • Personal budgets
  • Written plans
  • One contact

What you can ask us for

Each of these ends with something written down that you keep.

Where most clients start

Spending review

We take three months of your outgoings and turn them into categories you recognise.

  • Every outgoing sorted and named
  • Fixed costs separated from discretionary
  • Subscriptions and duplicates listed
  • A written spending report
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Monthly budget plan

A budget built around your actual pay dates, not a generic template.

  • Category limits you set with us
  • Pay-cycle timing for each bill
  • A buffer figure for the unexpected
  • One page you can follow
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Savings goal setup

For a deposit, a car, a wedding or a cushion — named, dated and costed.

  • Target amount and target date
  • The monthly figure it implies
  • Order of priority when goals compete
  • A progress sheet to track it
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Bill calendar

Every recurring payment mapped to a date, so nothing lands in the wrong week.

  • All recurring payments listed
  • Reminder dates before each one
  • Annual charges flagged in advance
  • Renewal dates you can renegotiate
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Household accounts

For two people sharing money: who pays what, and what stays separate.

  • Shared and personal costs split out
  • An agreed contribution for each person
  • One joint savings goal
  • A review you both attend
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Quarterly review

Ongoing work: we compare the plan against what actually happened and adjust it.

  • Plan versus actual, category by category
  • Limits revised where they were wrong
  • Goals re-dated if life changed
  • An updated written plan each quarter
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Scope and fees are confirmed in writing after the first conversation — nothing is charged before you agree to it.

The way we work with your numbers

Expenses sorted by hand first

Before any plan is written, your outgoings are read and categorised properly — the ones with vague card descriptions included. You approve the categories; we do not guess them for you.

Budgets built on your pay dates

A budget only holds if the money is there on the day the bill is. We set limits against your actual pay cycle, keep a buffer for the unexpected, and leave room for the spending you have no intention of giving up.

Savings goals with a date on them

"Save more" is not a goal. Each one gets a target amount, a target date and the monthly figure that follows from both — and an order of priority when two goals want the same money.

Bills mapped before they arrive

Every recurring payment goes on a calendar with a reminder date ahead of it, annual charges included, so renewals are a decision rather than a surprise.

Reports in plain language

Your spending report says where the money went in words you use, with the three lines worth acting on marked. No jargon, no scoring, no lecture.

Discretion as standard

Your figures are discussed with you and nobody else. We tell you what we hold, why we hold it, and you can ask us to delete it.

Questions we are asked before the first conversation

What do you need from me to start?

Enough of a picture to be useful: roughly what comes in, how often, and a few months of outgoings in whatever form you have them — statements, exports or screenshots. We will tell you exactly what is missing rather than ask for everything at once.

Do you take control of my accounts?

No. We never hold your banking credentials and never move your money. You keep full control; we read, organise and advise on what we are shown.

Is this financial advice about investments?

No. Our work is household money management — spending, budgeting, bills and savings goals. We do not recommend investments, products or providers.

My spending is a mess. Is it too early to talk to you?

That is usually the right moment. Untidy records are normal and sorting them is the first part of the job, not a prerequisite for it.

Can my partner and I be handled together?

Yes. Household accounts are set up for two people sharing costs, with shared and personal money kept clearly apart and both of you present at the review.

In our clients' words

★★★★★
I knew roughly what I earned and had no idea where it went. The first report was uncomfortable reading and then it was simply a list of decisions. I follow one page now.
Maren
★★★★★
The bill calendar was worth it on its own. Two annual renewals I had never noticed, both flagged a month ahead.
Tom
★★★★☆
Sober, unhurried and no sales pitch at the end. They dated our deposit goal and told us honestly what the monthly figure would have to be.
Priya
★★★★★
We came as a couple with a long argument about money. Splitting shared from personal on paper ended most of it.
Callum

Request a consultation

Tell us your name, where to reach you and what you would like sorted. We read every enquiry ourselves.

  • A member of the practice reads your enquiry and replies by email.
  • First reply is a short set of questions and what we would need to see — no obligation.
  • Scope and fees are confirmed in writing before any work begins.

Your details are used only to answer this enquiry and are not shared with anyone else. Privacy Policy

One page, your numbers, in order.

Start with a conversation. Nothing is charged and nothing is agreed before you have it in writing.

Request a consultation