From accounting data to a financial plan in 5 minutes.

Step 1: Connect

Read-only OAuth to your accounting tool. We can see what's there - turnover, expenses, payroll, dividends, balance sheet - but we can't change anything.

• FreeAgent - 90-second connection
• Xero - 90-second connection
• QuickBooks Online - 90-second connection
• (Sage, FreshBooks - coming soon)

Step 2: Profile

5-minute questionnaire covering:

• Family - spouse income, dependants, financial obligations
• Existing pensions and ISAs (we don't read them, you tell us)
• Insurance you currently have (if any)
• Mortgage and debt
• Retirement target and timeline
• Specific cash goals (deposit, school fees, sabbatical)

Step 3: Your plan

You receive a personalised plan covering:

• Take-home optimisation - the right salary/dividend mix for your specific situation
• Expense gap analysis - what you should be claiming but aren't
• Pension contribution target - how much, in which structure, by when
• Insurance recommendations - specific policies vs your current coverage
• Mortgage readiness - if relevant in the next 12 months
• Tax planning calendar - actions to take in the next 3, 6, 12 months

Step 4: Act

For any recommendation, one-click introductions to vetted partners:

• Specialist accountants for ongoing tax management
• Mortgage brokers for limited company directors and self-employed
• Insurance providers (PI, public liability, income protection, critical illness)
• Pension platforms (SIPP providers, AJ Bell, Vanguard, etc.)
• Accounting software upgrades if your current tool is the bottleneck

We earn referral fees from these partners only when you choose to engage them. The fees are published transparently in the product.