Source-dated balances, not live bank feeds. GBP and AED and legal entities are never combined.
Account
Balance
Source date
Status
AU Estates · Lloyds ****2068
GBP 14,291.02
10 Oct 2026
Statement extract
UK MiData account A
GBP 49,808.93
16 Sep 2026
Owner to map
UK MiData account B
GBP 28,701.64
15 Sep 2026
Owner to map
Mashreq NEO current
AED 64,571.19
Sep 2026
Prior statement snapshot
Mashreq NEO savings
AED 506,423.61
Sep 2026
Prior statement snapshot
FAB interest account
AED 365,979.61
Sep 2026
Prior statement snapshot
AED 936,974.41 total for three identified UAE deposit accounts; not a consolidated family-office cash figure. Tide balance still missing.
Director loan adjustments
FIFAUS 24 Apr 2026: GBP 5,760.10 + GBP 7,615.80 = GBP 13,375.90. Owner-confirmed personal director expenditure; debit director's loan account, credit company bank. Not a P&L expense. Closing DLA requires opening balance.
ENBD Etihad credit card is a liability, not cash; 2 Oct 2026 credit limit AED 188,000 and available AED 160,750.62. Do not net card balances into cash.
Property accounting · confirmed decisions
Source-dated review snapshot (21 October 2026). This is an evidence register, not a posted Supabase journal. Confirmed items are excluded from outstanding questions.
23 Bankside Close · Isleworth
AU Estates Ltd · Bankside Close and Isleworth refer to the same property. Do not create duplicate assets. Nan receipts map here per the AU Estates historical journals.
Paragon / TMW mortgages are interest-only. General bank charges remain allocated to All.
Flat 13 Garner Court
AU Estates Ltd · Monteiro tenant; monthly rent began at £1,250 and rose over time.
Period
Gross rent
Tenant expense offset
Cash receipt
Jun 2025
£1,550
£350 boiler repair
£1,200
Mar 2026
£1,650
£244 fridge
£1,406
Separate £174 fridge refund offsets fridge expense. Provisional net cost £70. Do not duplicate cash postings.
1. Reconcile the 21 recurring insurance debits to the company policy and property schedule; use the workbook allocation rule where evidenced.
2. Match five landlord-certificate payments to property addresses and invoices.
3. Check non-property card expenditure against original AU Estates journal codes and supporting receipts before including it in corporation tax working papers.
4. Reconcile company-level Lloyds loan repayments to the financing schedule.
5. Refresh Wood Green mortgage terms after the June 2026 fixed-rate expiry.
Already confirmed, do not ask again: Bankside Close = Isleworth; Nan belongs to Bankside; Monteiro belongs to Garner Court; £350 June 2025 boiler offset; £244 March 2026 fridge offset; £174 fridge refund; mortgages interest-only.
Review notes here are not yet saved to Supabase. Bank ingestion and tax posting remain subject to reconciliation.
FAMILY OFFICE · OPERATIONAL CONTROL
Operations & reconciliation
Statement ingestion, evidence-backed rent, investment transactions and the monthly ledger. Every figure remains tied to its legal owner and source.
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Bank statements awaiting a decision
Automated processing quarantines uncertain PDFs. Only reconciled documents can be posted; the approval is idempotent.
Verified bank account mapping
Map each bank's statement suffix to an existing account. This prevents one person's statements being assigned to another owner.
Six-month recorded cash movement
Bank account credits (green) and debits (orange) by month and currency. Only confirmed internal transfers are excluded. This is not spending or profit.
Confirm internal transfers & card repayments
Pair the outgoing and incoming ledger entries. Once confirmed, both sides are excluded from the movement totals. Cross-currency pairs require an explicit FX rate and destination-currency fee.
Rental commitments & verified receipts
Contractual rent due against bank-confirmed receipts; missing evidence is not automatically tenant arrears.
Property cash performance
Verified receipts less operating expenses, interest and principal, by property and currency. Deposits excluded.
Tenancy register
Record contractual terms once. The due schedule is calculated for each month.
Rent receipts: evidence workflow
Manual receipts start unverified. Match a bank credit before marking rent paid. Never mark transfers as rental income.
The bank credit must match the receipt amount, currency and legal entity. Only then does the rental schedule treat it as paid.
Property expenses & financing
Separate repairs, agent fees, service charges, mortgage interest, principal and capex. Entries remain unverified until matched to a bank debit.
One bank debit can only verify one entry in this release. Mortgage interest/principal splits require a lender statement and a later allocation workflow.
Investment activity
Separate cash contributions, trades and dividends from dated market valuations. Holdings snapshots are never counted twice.
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CFO decision cockpit
Decision-focused analysis; scoped to PERSONAL or AU ESTATES LTD. Never treats bank transfers as earnings or stale balances as live.
Cash flow by month
Cash receipts and payments, excluding recognised internal transfers. Mortgage payments include financing cash flow; this is not a tax P&L. Currency lines are kept separate.
Cost structure and opportunities
Significant transactions and drill-down
Data reliability
Financial intelligence
Balances and spending below are scoped to your selected entity. Historical balances are not live. Multi-currency figures are never combined without FX conversion.
Money movement · trend and concentration
Account drill-down
Repeated payments and possible savings
Recurring payments are not necessarily duplicates. Redacted descriptions reduce confidence. Large transfers and mortgage repayments are excluded from subscription candidates where identifiable.
Source data and limitations
FAMILY OFFICE · EXECUTIVE DASHBOARD
Your financial position
Source-dated evidence across accounts. No invented live valuations.
UAE CASH · AED
936,974.41
Mashreq current + savings + FAB · Sep 2026AU ESTATES LLOYDS · GBP
14,291.02
10 Oct 2026HL INVESTMENTS · GBP
42,275.46
16 Oct 2026NOT YET RECONCILED
ENBD · HSBC
Account statements and ownership matching required; card credit is not cash
Also outstanding: Tide closing balance, UK MiData account owners, and post-statement transactions. Cards above cross entities for evidence visibility only, not a combined net worth or entity-filtered balance.
Property equity · recorded evidence
Garner Court (AU Estates): GBP 240,922 recorded valuation less GBP 174,499.43 mortgage = GBP 66,422.57 provisional equity. Neither figure has an as-of date in the property register. Bankside Close, Granville Road, Emaar South and father-managed property valuations are not recorded; no reliable consolidated net worth can yet be calculated.
Personal cash GBP 78,731.88 · HL investments GBP 42,275.46 · AU Estates Lloyds GBP 14,291.02 · Personal UAE cash AED 936,974.41. ENBD Etihad card liability AED 27,249.38 (2 Oct statement). Different currencies, entities and statement dates must not be silently added.
YOUR PRIVATE FAMILY OFFICE · PERSONAL
Financial command centre
Your financial position, the movements behind it, and what requires action.
Operations and source checksReview statements, verified rent and reconciliations in Operations Hub.
Financial position is only as complete as the dated source records.
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How your money is moving
Ledger activity · not the same as profit
Monthly activity
Credits and debits by currency, excluding identifiable card repayments.
What moved this month?
Recorded activity in the most recent transaction month.
Decisions & opportunities
Ranked by urgency and financial relevance
Known upcoming obligations
Only dated obligations already in the record.
Your specialist team
One coordinated view, with drill-downs
Data quality, sources & calculations
FAMILY OFFICE · OPERATING DESKS
One financial picture. Five specialist perspectives.
Every recommendation links to its evidence and entity. No modelled amount is shown as verified cash.
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Decisions requiring attention
Actions will appear after data loads.
Financial evidence health
Accounts, ledgers, holdings and PDF staging are reviewed separately.
FINANCIAL BRIEF · SOURCE-BACKED
What changed — and what it means
Waiting for your authenticated financial data.
Cash location & freshness
Balances are snapshots. Currency totals never silently convert or combine.
Monthly recorded payments
Account movements, not automatically spending. Credit-card payments may represent transfers.
Investment concentration · HL
Latest imported security observations; historical, not real-time prices.
Actions with financial consequences
How the calculations work · data gaps
YOUR FINANCIAL COMMAND CENTRE · PERSONAL
Where you stand. What to do next.
Source-backed figures, with currency and valuation dates kept explicit.
Sign in to view your financial brief.
What needs your attention
PRIORITISED · EVIDENCE-BASED
Cash & financial position
NO MIXED-CURRENCY TOTALS
Money movement
RECENT LEDGER ACTIVITY
Investments & obligations
DATES AND COVERAGE SHOWN
Data coverage & reconciliation · technical details
This is an operational view, not a certified consolidated net-worth statement. Transactions, cash, holdings and properties are displayed without unverified cross-currency conversions or double-counting.
YOUR DAILY BRIEFING
Personal financial overview
Read-only analysis of recorded information; data freshness shown alongside each figure.
What needs attention
HIGH → LOW
Property rent and obligations
Income and spending
Stocks and investments
Financial opportunities and exceptions
Coverage and confidence
This is not a live consolidated balance, verified tax computation or automatically updated rental ledger. Do not invest funds or act on tax estimates solely from historical bank snapshots.
Accounts
Import bank transactions
Choose the bank account first. Santander supports semicolon-delimited CSV exports with Date, Type, Merchant/Description, Debit/Credit, Balance. Duplicate rows in repeated imports are skipped.
Original CSVs give better merchant categorisation than redacted copies. Data is sent only to your authenticated Supabase database.
Recent transactions
Property and asset register
Insurance, compliance and renewals
This version shows upcoming renewals in the app; it does not yet send push reminders.
Liquidity & scenario planning
Scenario calculations are illustrations, not forecasts of market returns. Enter only uncommitted, accessible cash; cash inside companies, SIPPs and LISAs is not automatically available.
Bear, base and bull use assumptions around your chosen return. They are not probabilities, guaranteed outcomes or personalised investment advice. Currency-specific commitments must be converted using an explicit FX assumption.
CFO exception review
Reviews currently loaded transactions only; no scheduled automatic monitoring is active.
Investment Manager · HL, Trading 212 & crypto
Upload HL account-summary.csv for each ISA, LISA and SIPP. Import is idempotent by source + account + name + snapshot date. Market prices and news are not live-connected yet.
Action-first investment watchlist
High-priority flags are signals to review, not automatic buy/sell instructions. Quotes only update when edited or a quote feed is connected.
Morning briefing — on demand
Macro news, crypto prices and daily 24h changes cannot be represented as live until trusted market/news feeds and a scheduler are connected.
Property operations & owner separation
Link every task to a property and legal owner; keep your father's properties operational only, without merging his finances.
This release stores task metadata. Secure upload, extraction and indexing of contracts/certificates requires a private storage integration and is not yet implemented.
Two independent reporting packs
PERSONAL · 2025/26
6 Apr 2025 – 5 Apr 2026
145a Granville (whole-property management view; allocate your legal/tax share separately), other personal income, ISA/HL wrapper reviews, residence status and personal tax schedules.
AU ESTATES LTD
Year end: 31 Mar 2026 (verify)
Bankside Close, Garner Court, company banking, operating costs, loan interest, director loans, accruals and corporation-tax supporting schedules.
Working papers are preliminary. They do not calculate final tax or constitute filed accounts. Reconcile full bank periods, ownership allocations, interest certificates and adjustments before accountant review.
CFO Decision Centre
Entity-specific financial review
Latest completed months only. Figures are historical until the underlying accounts are connected.
What needs attention
Three-month trends by currency
Where money went
Rental receipt evidence
Significant transactions
Reliability and scope
Account & statement coverage
Accounts registered in Supabase are not equivalent to connected live bank feeds. Staged PDF rows are not posted ledger transactions.
Open this section to load coverage.
Registered properties by owner
Father's properties are management-only and excluded from personal net worth.
Open this section to load property register.
Bank connections and imported statements
These institutions are supported by the account registry. A registered account is not a live bank connection. All documents and transactions remain private in Supabase; do not place any bank passwords or API secrets in this browser app.
Adds dated balances from the statements you provided, only after your confirmation; skips existing matching records. Does not import PDF transaction detail.
Import Lloyds / TSB company CSV
For the exported AU Estates company account. Nine monthly exports can be selected together; transaction hashes prevent repeat imports.
Import Chase UK CSV
Automation status
Ingestion health & account data
This panel reads private import records from Supabase. It does not claim a bank is connected unless ingestion has succeeded.
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Transfers: avoid false income and expenditure
Cross-border movements between your own GBP and AED accounts are not earned income or operating expenses. Suggested candidates require manual confirmation; exchange-rate movements and transfer costs must be accounted for separately.
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Rental intelligence
Same sender, similar amount, recurring date and matching receiving account create a rental receipt candidate. Confirm property mapping before accounting.
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Where cash earns interest
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Annual interest rate comparisons are historical and indicative. Monthly earned interest is not an annualised guaranteed return.
Historical source data awaiting allocation
Actual imported statement lines. Unassigned banking records are not presented as company income or personal cash flow.
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Verified financial data · detailed coverage
Statements are not live feeds. Transaction counts reflect loaded ledger rows; holdings are dated values.
Financial accounts
HL investment snapshots
Statement reconciliation
Verified savings & investment snapshots
Read-only historic values from Kroo October statement and HL portfolio summary dated 16 October 2026. These are not live feeds; do not add HL valuation to individual holdings totals.