Get the numbers straight, then a plan you can follow
Changrong Huicheng prepares financial reviews, written plans and financing files for individuals, households and owner-managed businesses. Fixed scope, fixed fee, delivered in writing. Order a package online, or send a short message and we will tell you which one fits.
Four packages, one method
Each package is a fixed scope with a fixed fee, so you know what you are buying before you pay. When you are not sure where you stand, the review is the one to start with.
P-01Financial Health Review
A structured read of income, spending, debts, accounts and the next twelve months, delivered as a written review with a prioritised shortlist of what affects you most.
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P-02Personal Financial Plan
A twelve month plan for an individual or a household: what to do in each quarter, in what order, and what to change when income or costs move.
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P-03Business Financing Advisory
Preparation for an owner-managed business raising money: the file a lender or investor reads, the assumptions behind the forecast, and the questions to expect.
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P-04Ongoing Financial Management
A monthly retainer: a standing call, an updated forecast, and a desk that answers when a decision cannot wait until the end of the quarter.
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Individuals and households, and the businesses they run
Two kinds of client, one method. Individuals and households come with a situation they want reviewed and a plan they can follow month by month. Owner-managed businesses come with something specific to decide: a loan application, a lease, a cash flow gap, or a year that did not land where it was expected. Neither has to arrive with tidy books. Getting the numbers into a state we can both trust is part of the work, not a condition of starting it.
See how an engagement runs
Two ways in
Who does what
We publish the desks that handle your work rather than names and photographs. You deal with the same three from the first message to the final walkthrough.
Client operations
First reply, scheduling and delivery dates
Answers your first message, books the calls, and tracks what is due and when. If a date is going to move, this is the desk that tells you before the date rather than after it.
Personal planning
Reviews, personal plans and the monthly check-in
Reads the statements and the goals, writes the review and the plan, and runs the monthly retainer call. This desk also asks whether a plan still fits after a change in income or household.
Business financing
Lender-ready files and business forecasting
Builds the numbers a lender or investor asks for, tests the assumptions against your actual trading, and prepares the answers to the questions that come up in a credit conversation.
Before you order
What does an engagement cost?
The Financial Health Review is $490 as a one-off. The Personal Financial Plan is from $1,290. Ongoing Financial Management is $890 a month. Business Financing Advisory is $2,400 for a prepared file. Prices are in US dollars and exclude any sales tax, and each package page states exactly what is in scope.
Do I have to buy a package before we talk?
No. Send the form with a few lines about your situation and we will say which package, if any, fits. If a review is not going to tell you anything useful yet, we will say so rather than sell it to you.
What documents do you need?
For a personal review: recent statements, a list of debts with balances and rates, and the accounts you hold. For a business file: your management figures, a cash flow view, any existing loan or lease terms, and correspondence from a lender. We send a checklist, and we can start with partial documents.
How long does it take?
The written review follows within five business days of the structured interview, and the follow up call is booked at the end of that interview. A personal plan is drafted from the review and sent to you for correction before it is finalised. A financing file depends on how complete your records are, so we agree those dates in writing before the work starts.
Is my information kept confidential?
Yes. Documents are used only to prepare the deliverable you ordered, access is limited to the desk working on it, and nothing is shared with a lender or anyone else unless you ask us to in writing. You can ask for your documents to be deleted when the engagement ends.
Do you promise a result?
No, and treat anyone who does with suspicion. What we commit to is the work: a written deliverable, dated actions, and a scope that does not change without your agreement. We cannot promise that a lender approves an application, or that a plan produces a particular outcome, because those depend on decisions we do not control.
The four packages
Order online, or ask for an introductory call first. Every package starts with a written scope and fee.
Book a consultation
Use this form for a first conversation, for a question about a package, or for work on behalf of a business. Put the package name in the product field if you already know it, leave the quantity at 1, and describe your situation in the message box. We reply within one business day, Monday to Friday.
How an engagement runs
Four steps, and you know the date of the next one before you pay.
01
First conversation
A short call and a questionnaire. We cover what you are trying to decide, which documents already exist, and whether a review, a plan or financing support is the right first step.
02
Document review
You send statements, balances and any loan or lease terms. We check what is there, list what is missing, and start with the documents you have rather than waiting for a complete set.
03
Written deliverable
You receive the review, the plan or the financing file. Every figure is traceable to a document you sent or is marked as an assumption, and the file is yours to keep.
04
Walkthrough and next date
We go through it together, agree what changes first, and book the date we next look at it. Clients on the monthly retainer get that check-in every month.
Start where the information is
One fee, one written deliverable, and a clear view of what to change first. If it turns out you do not need us yet, we will tell you that at the walkthrough.