Personal Finance Services

Taking control of your personal finances starts with understanding where you are and where you want to be.

Budget Creation Workshop

A two-hour session where we analyse your income and expenses, identify areas for improvement, and create a personalised monthly budget that actually works for your lifestyle.

£95

Monthly Financial Review

Ongoing support with monthly check-ins to review your progress, adjust your budget as circumstances change, and keep you accountable to your financial goals.

£65/month

Debt Management Plan

Comprehensive analysis of your debts with a structured repayment strategy. We help you prioritise, negotiate with creditors when beneficial, and work toward becoming debt-free.

£175

Emergency Fund Strategy

Planning session to build your financial safety net. We assess your essential expenses, determine the right emergency fund target, and create a realistic savings timeline.

£85

Retirement Planning Consultation

Review of your pension provisions, workplace schemes, and retirement timeline. Clear guidance on whether you're on track and practical steps to improve your position.

£145

Financial Health Check

Comprehensive review of your complete financial picture—income, expenses, savings, debts, insurance, and future planning. Receive a written report with prioritised recommendations.

£195

Business Services

Supporting Sheffield's small businesses with practical accounting and financial management.

Bookkeeping Services

Monthly bookkeeping to keep your accounts accurate and organised. Bank reconciliation, expense categorisation, and clear financial records you can rely on.

From £150/month

Self-Assessment Tax Return

Complete preparation and submission of your self-assessment tax return. We ensure all eligible expenses are claimed and deadlines are met without stress.

£195

Limited Company Accounts

Annual accounts preparation for limited companies, including statutory accounts, corporation tax return, and Companies House filing. Peace of mind that your compliance is handled.

From £495/year

VAT Registration & Returns

Guidance on VAT obligations, registration assistance, and quarterly VAT return preparation. We help you understand your position and stay compliant.

£75/quarter

Payroll Services

Monthly payroll processing including RTI submissions, payslips, and year-end reporting. From single employees to teams of up to 20 staff members.

From £45/month

Cash Flow Planning

Detailed analysis of your business cash flow with forecasting for the coming 6-12 months. Identify potential shortfalls early and plan accordingly.

£275

Why Work With Us

No Hidden Costs

Every fee is discussed and agreed before work begins. If a project looks like it might exceed the original estimate, we'll tell you immediately and explain why. No invoices with unexpected line items.

  • Detailed quotes provided in writing
  • Fixed fees for standard services
  • Proactive communication about costs
INVOICE

Advice You Can Trust

We don't earn commissions on financial products. When we recommend something, it's because it's genuinely right for your situation—not because we benefit from the referral.

  • Fee-only advisory model
  • No product sales pressure
  • Independent recommendations

Service Comparison

Find the right level of support for your needs.

Feature One-Off Services Monthly Support Full Management
Initial Consultation Included Included Included
Budget or Plan Creation Single session Ongoing updates Comprehensive
Regular Reviews Monthly Weekly available
Email Support 30 days Unlimited Priority response
Tax Planning Basic guidance Included Proactive planning
Annual Report Summary Detailed analysis
Starting From £85 £65/month £195/month

How We Work Together

A straightforward process designed around your needs.

1

Initial Discussion

We start with a conversation to understand your situation and goals. This helps us recommend the right services and gives you a chance to see if we're a good fit.

2

Clear Proposal

You receive a written proposal outlining exactly what we'll do, how long it will take, and what it will cost. No surprises, no ambiguity.

3

Gather Information

We'll request the documents and data needed for your specific service—bank statements, invoices, receipts, or whatever applies. We make this as simple as possible.

4

Analysis and Planning

Our team works through your information, identifying opportunities and preparing recommendations. For ongoing services, this becomes a regular rhythm.

5

Review and Implement

We present our findings and recommendations, answer your questions, and help you put the plan into action. For business clients, this often includes setting up systems and processes.

Service Questions

Absolutely. Many clients start with a one-off service like a Budget Creation Workshop and later move to Monthly Financial Review. Business clients often bundle bookkeeping with tax return preparation. We can create a custom package that fits your specific needs and typically offer a discount for combined services.

This varies by service. For personal budgeting, we typically need 3 months of bank statements. For business accounting, we'll need access to your invoices, receipts, and bank records. For tax returns, we need income documentation, expense records, and previous returns if available. We provide a clear checklist before starting any work.

One-off consultations like the Budget Creation Workshop are typically completed in a single 2-hour session plus follow-up documentation. Tax returns take 1-2 weeks depending on complexity. Annual company accounts require 2-4 weeks. For ongoing services, work is spread throughout the month. We always provide estimated timelines in our proposals.

For larger one-off services like company accounts or comprehensive financial planning, we can arrange payment in two or three instalments. Monthly services are billed monthly by direct debit. We're understanding about cash flow challenges—that's often why people come to us in the first place.

Your satisfaction matters. If you're unhappy with any aspect of our work, tell us and we'll address it. For one-off services, if we haven't delivered what was agreed, we'll either fix it or refund your fee. For monthly services, you can cancel with 30 days' notice at any time—no lengthy contracts or exit fees.

Ready to Get Started?

Reach out to discuss your situation and find the right services for your needs. No obligation, just a helpful conversation.

Get in Touch