Every engagement follows the same five stages. The number of sessions inside each stage depends on which of the three service shapes you take; the order does not change.
A 30-minute consultation, no charge
We talk through how your invoices actually move, what feels thin, and whether the work is a fit. If it is not — because there is not enough invoice history yet, or because you need investment advice we do not give — we say so here and point you elsewhere.
A short written scope and a fixed fee
After the first call we send a one-page scope: which of the three service shapes fits, what the deliverable is, how many sessions, and the fee. Nothing starts until you sign off on the scope. There are no hourly surprises.
Pull the real numbers together
You send the last 12–24 months of invoices and bank statements, plus the recurring costs. We do not ask for anything we will not use. Account numbers stay with you; we work from totals and dates.
Build the cash-flow model and the buffers
We build a 12-month rolling model, split the fixed baseline from variable pay, size the tax buffer to your VAT cycle, and size the reserve to your client concentration. We walk you through every assumption so nothing is a black box.
Handover you can run yourself
The deliverable is a spreadsheet you can update when a client pays late or a new contract starts, plus a one-page summary of the decisions and the order to apply them. A yearly check-in is available if you want one; it is not required.
What we need from you
- 12–24 months of invoice records (client, amount, date sent, date paid).
- Recurring costs: rent, utilities, subscriptions, insurance, loan payments.
- Your VAT filing cycle and the last settlement result.
- Any pension or long-term savings you already have in place.
We never ask for account passwords, full account numbers, or access to your banking. We work from statements and totals.
Ready to start with the first call? Use the contact page or read what the engagements cover.