Bookkeeping · this morning
42 transactions came in overnight across 3 banks. 40 are coded. Two need your eye: a payment we think is school fees, and a transfer we couldn't match.
Coded for you
40 / 42
Your family's whole financial life. Handled.
A boutique wealth and future planning firm for families whose first language isn't finance. Every account, company, trust and currency in one picture, kept current every day.
Request an introduction01
One picture of everything.
Every bank, company, trust and currency, reconciled to the cent each night.
02
We learn your family.
Your structures, your vendors and your goals. It sharpens every week.
03
We bring you what matters.
Not dashboards to watch: the few decisions, with the next step ready.
Net worth
Everything you own, in the currency you think in.
Property, investments, companies, pensions and cash across every country, valued daily. See it over a month or a decade, and how exposed you are to each currency.
9:41
Net worthThe Morgans
Daily net worth
+€312,400 (8.0%) past year
1M3M6MYTD1Y
Liquid net worth
€1.57M
Non-liquid
€2.65M
Assets
September 2026
🏠€2,140,00046%
Property
📈€1,265,30027%
Investments
🏢€712,90015%
Companies
💶€418,1009%
Cash
🧓€125,0003%
Pension
FX exposure
Net position by currency, converted to EUR.
ZAR€2,446,70058%
EUR€1,139,00027%
USD€464,00011%
GBP€168,8404%Net worthCodeVendorsReportsAccount
9:41
Codeto review
To reviewAll
AllFFamilyHHoldingsTTrust
Today
Woolworths(R412.50)
Investec Credit🛒ChangeApprove
Groceries
95% match
Uber(€18.40)
Revolut Shared EUR🚗ChangeApprove
Transport
92% match
Netflix(€17.99)
Revolut Shared EUR💻ChangeApprove
Software & Subscriptions
98% match
💸F Investec
Elizabeth Rumbi(R3,982.00)
Investec👶ChangeApprove
Childcare & Nanny
88% match
Net worthCode12VendorsReportsAccount
Bookkeeping
Books that keep themselves. You just approve.
Every payment from every bank is recognised and coded to the right account for the right entity. Sure ones are done for you; the rest wait with a suggestion and one tap to approve.
Same books, every screen
For desktop and mobile.
Approve on your phone in the queue at the shops; review the month on a big screen at your desk.
hoffmancooper.com / transactions
Transactions
All 22 accounts match the bankSynced 4 min ago
Money in
€48,210
Money out
(€31,960)
Coded by AI today
37
Needs a code
5
| Date | Vendor | Bank | Account | Amount |
|---|---|---|---|---|
| 6 Oct | N | Revolut Shared EUR | LifestyleSoftware & Subscriptions AI 99% | (€17.99) |
| 7 Oct | U | Revolut Shared EUR | Daily LivingTransport AI 92% | (€18.40) |
| 7 Oct | W | Investec | Daily LivingGroceries AI 95% | (R412.50) |
Every detail
Tell it once. It remembers.
Open any payment to see everything about it. Add a line of context, and every similar payment is re-read with it, so the books learn how your family works.
9:41
✕Transaction
💸F
Elizabeth Rumbi
(R3,982.00)
Wednesday, 7 October · Cash
Context for the AI
Applies to this one and every Family transaction. Save context
Account
🏠Change ⌄
House Rent & Cleaning
413.1 · Daily Living · 60% match
Details
Bank accountInvestec
InvestecDate7 Oct 2026
MethodCash send
ReferenceMSC135345
Balance afterR48,212.40
9:41
Vendors
(€96,400)46%
(€41,180)20%
(€37,250)18%
(€11,340)5%
(€1,080)1%
Spent · last 3 months
1M3M6M1YAll
↗ Spent↙ Received⇅ All
St Cyprian's School
3 transactions · ✓
Woolworths
62 transactions · ✓
British Airways
2 transactions · ✓
💸(€23,890)11%
Elizabeth Rumbi
13 transactions · ✓
Vodacom
3 transactions · ✓
Netflix
6 transactions · ✓
Net worthCodeVendorsReportsAccount
Vendors
Know exactly where it goes, and where it comes from.
Every business and person you pay or are paid by, researched and named properly, with their logo. Spending and income by vendor, over any period.
What a normal day looks like.
Quiet work in the background, and a short note when something needs you.
Everything, coordinated in one place.
Net worth
Daily, across every bank, property and holding, in the currency you think in.
Currencies
Your exposure by currency, and what a move would mean for the family.
Bookkeeping
Every transaction coded and reconciled, with a P&L and balance sheet per entity.
Companies & trusts
Who owns what, mapped and kept current, and costs paid from the right place.
Bills & invoices
Send them to one address. We read them, file them and match them to payments.
Your accountant
Year-end packs ready to send, with every document attached.
Family decisions
A plain-language page for the weekly conversation: what's changed, what's next.
On your phone
Net worth, spending by vendor and your reports, updated through the day.
Ask anything. Get a straight answer.
Questions about the whole picture, answered against your real numbers.
We want to buy in Cape Town next year. What can we actually afford without selling the investments?
Counting only money you can reach without selling, about R9.5m with a sensible bond. If you're happy to borrow against the portfolio for the deposit, that rises to around R12m. Here's how each option changes your monthly cash flow and your rand exposure.
Budget with a bondBorrow against portfolioEffect on currency mix
Questions
Who is Hoffman & Cooper for?+
Families whose finances have grown complicated: several countries and currencies, a business or two, a trust, property, and a partner or parents to look after, but who don't want finance to become their second job.
What happens after we start?+
We connect your bank accounts (read-only), map your entities and structures, and build one picture of everything you own and owe. From then on, every transaction is coded, every bill is filed and matched, and you get a plain-language view every week. You check in as often as you like; we reach out when something genuinely needs you.
Do you hold our money?+
No. Your money stays in your own accounts at your own banks. Our bank connections can read, never move money, and the transactions they bring in are never edited: anything we add, like a category or a note, sits alongside them.
How do you use AI?+
To do the repetitive work well: reading bank text, coding transactions, reading invoices, finding a vendor's real name. A person approves anything uncertain, and you always see why a suggestion was made and how sure it is.
Is there an app?+
Yes. Net worth, spending by vendor, your P&L and balance sheet, and the coding queue are on your phone, updated through the day.
How do we get started?+
By introduction. Request one below and we'll arrange a conversation about where you are and what you'd like handled.
Handled, even when you're not thinking about it.
We work with a small number of families at a time. Tell us a little about yours.
Request an introduction