Draft for Ciaran's read, not published

Learn · for accountants, bookkeepers and fractional FDs

Offer every client weekly cash monitoring, without building anything.

I run a fractional FD practice, so this page is not written from the outside. The briefing exists because of a problem every practitioner with more than a handful of clients knows: things move between your touchpoints. The management pack is monthly, the VAT cycle is quarterly, and a client's cash position can turn in a fortnight. The awkward question is never "was the pack right", it is "did anyone notice in week two". Weekly cash monitoring is the answer, and doing it by hand across a client list does not scale past about five spreadsheets.

What the client actually receives

One briefing, once a week, about a minute to read. Their cash and net cash. Their cash cushion in months, which is net cash against monthly cost base, the number that turns a bank balance into time. A risk rating from low to critical. The debtors worth chasing this week, the bills coming up, and five plain-English actions. No dashboard to learn, nothing to maintain, and it reads as education in plain English, shaped by how I read a business, not a template.

How practices run it

• Bookkeepers use it as the early-warning layer: the Monday scan of every client's cushion and risk rating, so the client call happens before the crunch, not after the bounce.
• Accountants use it as the between-packs service: the monthly pack explains what happened, the weekly briefing means nobody is surprised in the meantime. It is a service line clients understand instantly, because it answers the only question most owners actually have.
• Fractional FDs use it the way I do: portfolio triage. Ten clients, one scan, and your attention goes where the risk rating says it should.

In every case the mechanics are the same: the client authorises a read-only Xero connection, each organisation gets its own briefing, and you choose what to share. Nobody, including us, gets the ability to create, edit, approve or post anything in the client's Xero. If a client asks whether it is safe to let software read their books, the trust page answers that question properly, including the part practices care about most: client data is read on demand to build each briefing, then discarded, and never trains any AI model.

What this is not, honestly

It is not practice management, workflow, or engagement tooling, and it does not claim to be an at-risk-client early-warning system across your whole practice software stack; tools like Karbon, Ignition and Satago live in that world. It is not a replacement for your management packs, your forecasting work, or your judgement. It is one narrow thing done every week without fail: each client's cash position, turned into months, a rating and actions. The narrowness is the point; it is the piece of client cash work that software should be doing so your time goes on the conversation, not the collation.

What it costs a practice

The Advisor plan is £199 a month for up to 10 Xero organisations, excluding VAT, with a 14-day free trial and no card to start. Under £20 per client per month for a weekly service line. Run it on your own practice's Xero first; if the first briefing does not tell you something worth a client conversation, walk away.