Hyper-optimizing the way your money moves.
We read how your money is organised. Where it leaks, where it sits doing nothing, and what it adds up to in ten years if you change nothing.
Money doesn't leak loudly.
It leaves in small amounts, on repeat, in a way that never looks like a problem in any single month.
One report. Five sections. Always the same order.
You don't buy a call. You buy a document.
Every engagement ends in a written report you keep. While it runs, your dashboard holds the same numbers, kept current.
The monthly number is not the impressive one.
€ 271 a month sounds small. Put that same money to work at a steady rate and the picture changes. Move the amount, the rate and the horizon to see your own version.
A hypothetical illustration, not a forecast. It assumes a constant rate, which no real market delivers. Returns are not guaranteed, capital can be lost, and ANC.h.o.R does not recommend, sell or arrange any financial product.
Start where it makes sense.
Financial wellbeing, built as a system.
Your people don't need another webinar about saving. They need their own numbers read properly, once, by someone with nothing to sell them.
The Financial Resilience pilot
One contained programme, run start to finish, so you can judge it on what it produced.
Their numbers, built for them, live while the work runs.
Everything we gather becomes one private view: position, friction, projection, architecture and the actions that follow. Visible to them and nobody else.
It closes and is deleted for good at the end of the programme. Only the results stay.
What the programme includes
Taking part is voluntary and consented person by person. Data is held for the length of the programme, inside the participant's own dashboard, and deleted for good when it closes. You receive one aggregated readout in which nobody can be identified.
One name, accountable for all of it.
ANC.h.o.R is founded and run by Andrei A. Craciun. He's the person you deal with from the first message to the final document. He supervises all operations during your time with ANC.h.o.R's analysts, aiming for the best experience.
ANC.h.o.R is paid by its clients and by nobody else. It takes no commission from any bank, insurer, broker or product provider, and it does not recommend, sell or arrange financial products. The work stays on budgeting, cash flow, financial organisation and savings structure.
- Founder
- Andrei A. Craciun
- Based in
- France
- Legal form
- Micro-entreprise (French sole proprietorship), registration in progress
- Paid by
- Clients only. No commissions, no product sales.
- Contact
- andreicraciun327@gmail.com
Straight answers.
What does ANC.h.o.R do?
ANC.h.o.R is a private wallet optimization service. It analyses how a person's money is organised (accounts, recurring costs, cash flow and savings) and delivers a written report showing where money leaks, where it sits idle, and what it adds up to over 1, 5 and 10 years.
Is ANC.h.o.R investment advice?
No. ANC.h.o.R analyses budgeting, cash flow and financial organisation. It does not recommend, sell or arrange financial products, and it takes no commission from any provider.
How much does a Wallet Reset cost?
A Wallet Reset costs €349, paid once. It includes the full five-section report (Position, Friction, Optimization, Projection, Architecture) and a private dashboard for as long as the work runs.
What is the cheapest way to start?
The Money Leak Hunt, at €49. It is one pass over 90 days of transactions that names every recurring drain. The €49 is credited in full toward a Wallet Reset booked within 30 days.
What are all the prices?
Money Leak Hunt €49. Wallet Audit €149. Wallet Reset €349. Wallet Projection €249, added to a Reset. Private Wallet Optimization €690, which combines Reset and Projection with two follow-up sessions. Continuum €149 per month.
How long does a Wallet Reset take?
The Wallet Reset report is delivered in 5 working days.
What happens to my financial data?
It is held in your private dashboard for the length of the work, then deleted for good. Only the written report stays, and it is yours to keep.
In the company programme, does the employer see employee data?
No. Each participant's dashboard and report are visible to that person alone. The employer receives one aggregated, anonymised readout in which nobody can be identified. Taking part is voluntary and consented person by person.
How does the company pilot work?
The Financial Resilience pilot runs for 8 to 12 weeks with 20 to 50 self-selected participants. It includes an opening session, a private dashboard and five-section report per participant, two group clinics, and a closing readout for HR.
Can I book now, and do I pay upfront?
Preorders are open now. You choose an offer and tell us about your situation. Nothing is charged at preorder: we confirm your slot by email, and payment is arranged before the work starts.
Who is behind ANC.h.o.R?
ANC.h.o.R is founded and run by Andrei A. Craciun, who supervises every engagement carried out by ANC.h.o.R's analysts. You can reach him directly at andreicraciun327@gmail.com.