Northline Book a planning call

Personal and business finance advisory

Money with a map.

We plan the money behind your business and your household, so the two stop competing.

Book a planning call See how we work
Illustrative: a ten-year plan, drawn in one line.

What we plan

Every engagement starts with the same question: what does this money need to do, and by when?

  1. Planning

    A written plan with dates attached: when to draw a salary, when to invest, when to slow down.

    Best for founders, families, or both at once.

  2. Cashflow

    Month-by-month forecasting for lumpy income: retainers, invoices, school fees, and the VAT bill that always lands in the same quarter.

    Best for seasonal income and irregular invoices.

  3. Debt

    A pay-down order matched to your cashflow: the most expensive borrowing clears first, at a pace you can hold.

    Best for costly borrowing that will not wait.

Advisers to founders and family businesses across the North

How we work

Map

One 90-minute session gets everything on the table: accounts, goals, deadlines, and the numbers you have been avoiding.

Track

The plan becomes a one-page view we review together every quarter, in plain English.

Adjust

When revenue, rates, or family change, we re-run the numbers and update the plan within a week.

Hands, notebook, and laptop on a wooden table during a household money review
A quarterly review, at the kitchen table.
Marit Sorlie, fee-only planner at Northline
Marit Sorlie, planner
Tom Whitaker, fee-only cashflow adviser at Northline
Tom Whitaker, cashflow

Two advisers, one line of sight.

Marit plans the years ahead. Tom keeps the months honest. You get both of them on first-name terms, for one flat fee.

  • Fee-only: no commissions, no product sales
  • Chartered Financial Planner, in practice since 2016
  • One flat fee, agreed before any work starts

“We stopped arguing about money because the plan settled it for us.”

Priya Raman, founder, Brera Coffee

Start with a call.

The first call is free. Bring one money question and a rough idea of the deadline.

Book a planning call

Or write to [email protected]

Replies within two working days.