Bill Payment Oversight
Systematic management of all recurring and one-time bills. Documented approval workflows with on-time payment verification.
Services
Daily Money Management Services
Bill payment, reconciliation, reporting, fraud monitoring, secure document organization, and professional coordination for seniors and families.
Monthly Account Reconciliation
Structured reconciliation of all bank and credit accounts against statements. Discrepancies and irregular activity identified and reported every month.
Financial Document Organization
Centralized filing of all statements, tax records, insurance policies, and correspondence via encrypted SmartVault portal.
Professional Coordination & Reporting
Monthly financial reports delivered to attorneys, CPAs, and advisors. Documentation organized for attorney or court review for trustees and fiduciaries.
Fraud & Irregularity Monitoring
Ongoing review of every transaction for unauthorized activity, unusual patterns, and elder financial exploitation. Flagged immediately — not at year end.
Fiduciary Work
Granitefield may accept appointments as financial agent under POA, trustee, executor or personal representative, guardian, or conservator when properly authorized and after the engagement is accepted in writing. Granitefield also provides administrative support to family members and professionals already serving in these roles.
Service Packages
Structured Oversight. Scoped in Writing.
Every engagement begins with a written scope of work — no surprises, no hidden fees. Choose the tier that matches your situation, or let us recommend the right fit during a 15-minute call.
Stewardship
Best for: Clients with straightforward financial situations — predictable income, regular bills, family nearby.
Includes:
- Up to 15 recurring bills monitored and coordinated per month
- Monthly account reconciliation (up to 2 accounts)
- Monthly Financial Summary Report via SmartVault
- Fraud and irregularity monitoring with immediate alerts
- Secure document storage — encrypted SmartVault portal
- Email support — responses within 1 business day
- Annual review of subscriptions and recurring bills
Oversight
Best for: Multiple accounts, family out of state, coordination with professional advisors. Most common tier for attorney and care manager referrals.
Includes everything in Stewardship, plus:
- Up to 30 bills monitored and coordinated per month
- Full reconciliation across up to 4 accounts
- Monthly report with income/expense variance analysis
- Quarterly review call with client and/or family
- Cash flow monitoring and budget tracking
- CPA and attorney coordination — secure document sharing
- Proactive fraud monitoring and irregularity reporting
- Priority phone and email — same business day response
Concierge
Best for: Guardianship, conservatorship, court-supervised finances, multiple properties, active estate administration.
Includes everything in Oversight, plus:
- Unlimited bills monitored and coordinated monthly
- Full reconciliation — unlimited accounts
- Monthly Financial Report organized for attorney or court review
- Weekly financial check-in call or written update
- Dedicated coordination with guardian, care manager, estate attorney, CPA
- Crisis response — same-day availability for urgent situations
- Comprehensive onboarding with full account inventory
- Priority direct phone access to Granitefield Financial
- Fiduciary Financial POA Services — acceptance of appointment or administrative support
Add-On Services
Additional scope, approved in writing before work begins.
Financial POA Coordination
KeyReporting formatted for Financial POA holder. Documentation organized for attorney or court review. Direct coordination calls. Immediate notification of irregularities.
Mail Processing & Review
Receipt, review, digital filing. Urgent items flagged within 24 hours.
Additional Account Reconciliation
Beyond package limit.
Fiduciary Work
KeyProfessional fiduciary administrative support — acceptance of appointment or administrative support for trustees, agents under POA, guardians, executors, and conservators. More complex fiduciary engagements may require a separately written scope and fee.
Project / Overage Work
One-time projects, estate organization, court filing support, and special financial administration tasks.
FAQ
Frequently Asked Questions
What is a daily money manager?
A daily money manager (DMM) handles the financial administration tasks that fall between what a CPA, financial advisor, or attorney does — bill payment, account reconciliation, document organization, fraud monitoring, and monthly reporting. DMMs are professionals.
Are you a financial advisor or investment manager?
No. Granitefield Financial provides administrative financial oversight only. We do not provide investment advice, tax advice, legal advice, or manage investment portfolios. We coordinate with your existing financial advisor, CPA, and attorney at your direction.
Do you offer Financial POA or Estate POA services?
Yes. Granitefield now offers Financial POA services — acting as the financial decision-maker under POA authority for clients who need professional management — as well as Estate POA coordination during estate administration. These services are handled by written scope based on authority, documentation needs, and complexity.
Is my financial information secure?
All documents are stored in SmartVault, an encrypted client portal. All accounts are protected with multi-factor authentication. We never email sensitive documents — everything is shared through the secure portal.
How quickly can you start?
After signed engagement documents, we are typically fully operational within 5–7 business days.
How are fees handled?
Granitefield Financial provides written scope and fee information during consultation. Additional work is approved in writing before it is performed.