Yours, and your family’s, for life.
Every property, business, trust and account, written down properly in one book. Share it, or just the right pages, with your family. Invite your adviser, fund manager, accountant, anyone who helps. They come and go. The book stays yours.
The Land Rover
March House
School fees
Lady Anne
What it’s all worth
The Alderton Family
Kept since 2026Put your life in
You, your family, the houses, the boat, the car your grandfather left you. Then what it all costs. Every value confesses its source.
Charlie reads it
One intelligence that has read the whole story, and notices when your spending and your plan disagree.
Invite who you like
Your adviser, fund manager, accountant, family. Advice stays with the regulated firm. The book stays with you.
Your life first. The money follows.
Most money tools start with the money. Wealthbook starts with you: your family, your houses, your things, your days. They are what the money is for. If you had none of them you would need none of it. So the book begins with the life, works out what it costs, and only then asks what you need, what’s set aside, and what’s left to give away. As many chapters as your life has.
You and your family
The book opens with the people, not the money. Who you are, who is in the family, what you’re hoping for, and who helps. Everything after this page exists because of this page.
- Everyone by name, and their part in the family
- What you want the money to do
- Who may see which pages
Property
Every house, flat and field: what it is, what you paid, what it’s worth today and how you know, and its story in your own words.
- The purchase, the improvements, the plot points since
- Tenure, ownership and who lives there
- Its documents and its photographs, kept with it
Chattels
The things: cars, boats, pictures, the piano. Handed down, bought, leased or lent. Not because they are investments, but because they are your life, and they cost money to keep.
- What it is and where it came from
- What it costs to keep, year on year
- What it’s worth, and who said so
Everything above costs money to keep. That is why it is in the book.Take the family, the houses and the things away and you would need no money at all. So the book starts with them, and lets the money follow.
Cash flow & spending
Here the life turns into money. The berth, the roof, the school fees, the Tuesday shop. What all of the above costs, what comes in to pay for it, and what that says about how much you actually need.
- What each thing in the book costs you
- Income and outgoings, month by month
- What you need, worked out, not guessed
Pensions & investments
What’s set aside to pay for the life above: pensions, ISAs, portfolios, the bond. Valued from the platform, not from memory, and read against what you need.
- Every account and who manages it
- Valuations with their source and date
- Contributions, drawdowns and charges
Structures
How things are held: trusts, companies, partnerships, powers of attorney. The scaffolding behind the assets.
- Each structure, its purpose and its people
- What sits inside it
- The deeds and letters that made it
Diary
What happened and what’s due: calls, meetings, letters, the roof, the renewal, the pool cleaned on Saturday. Written as it happens, never from memory, so the book is a life and not a spreadsheet.
- Every call and meeting, with who and when
- Follow-ups until they’re done
- The month ahead, at a glance
Inheritance
Once you know what you need, you know what you don’t. What’s left, to whom, and how: gifts now, wills later, the estate as it stands today. The chapter your family will thank you for.
- Wills, executors and where they are
- Gifts made and when
- The estate today, and the tax it would bear
A record, not advice.
Wealthbook is not regulated and doesn’t give advice. It keeps the record. You write down what you own and what you owe, you keep the log, you see what you spend and you plan. Charlie reads it and tells you what she notices.
Invite an IFA into the pages that concern them, or don’t. Advised or not advised, and you can take them out again. Advice stays with the regulated firm. The book stays with you.
Your client’s whole picture, kept by them.
A client who keeps a Wealthbook arrives with the record already written: the properties, the structures, the accounts, the story. You are invited into the pages that concern you and see exactly what they see.
Your own notes and letters stay the firm’s. Theirs stay theirs. When the engagement ends, so does the invitation.
Open your desk