A CFO for a household that has outgrown consumer tools.
Every company above a certain size has someone whose job is to close the books, keep the balance sheet honest, and say what matters this month. Households have nothing equivalent. They get a budgeting app, a brokerage statement, and a folder of PDFs.
Richard is the missing role. He connects to your accounts, closes your balance sheet every month, runs a standing review across the seven domains of a real financial plan, and opens with what actually moved — quantified in dollars, ranked, in plain language.
Who builds it
Michael Ashley — twenty years in banking and asset management. Richard's first customer is its author: it runs against real accounts and real money before it runs against anyone else's.
What Richard is trying to do
- Give a complicated household one current picture instead of twelve logins.
- Do the monthly work a family office does, without the family office.
- Quantify findings in dollars, and show the evidence behind each one.
- Charge one honest price — $100/month — with no tier that quietly withholds the useful part.
What Richard will not do
- Touch your money. Read and recommend only. No custody, no trades, no transfers — a hard architectural boundary, not a setting.
- Sell your data, or use it to train anything.
- Take a commission from a broker, bank, custodian or fund company.
- Pretend a model output is personalized investment advice. Richard is not a registered investment adviser, and where the honest answer is "ask your CPA," he says so.
The archive
The Five Fund Frame and the fund writeups on this site came first, and they are still here and still free. The Frame is now internal vocabulary Richard uses to explain portfolio structure — one module inside a much wider review, not a framework you have to learn.