01
01 · Position
Where are you now? Income, fixed costs, cash and commitments.
The ANC.h.o.R method
Five lenses. One financial system.
Position. Friction. Optimisation. Projection. Architecture. The method is designed to turn a pile of transactions into a coherent picture of how your money works.
ANC.h.o.R · independent analysis · confidential work
Structure
5 lenses
Order
Always the same
Purpose
Connect diagnosis to decisions
THE FIVE LENSES
The five lenses.
Each lens answers a different question, then the findings connect.
02
02 · Friction
Where does the system lose efficiency? Fees, timing and recurring drains.
03
03 · Optimisation
What can change without making life worse?
04
04 · Projection
What happens if the current system continues for years?
05
05 · Architecture
How should the system be organised so it stays workable?
THE FIVE LENSES
01
01 · POSITIONWhere are you now? Income, fixed costs, cash and commitments.02
02 · FRICTIONWhere does the system lose efficiency? Fees, timing and recurring drains.03
03 · OPTIMISATIONWhat can change without making life worse?04
04 · PROJECTIONWhat happens if the current system continues for years?05
05 · ARCHITECTUREHow should the system be organised so it stays workable?THE PRINCIPLE
Not five spreadsheets. One system read five ways.
ANC.h.o.R method
01
Position
where money sits
02
Friction
where efficiency is lost
03
Optimisation
what can change
Built around real client decisions
The proof, when it exists, comes from the result.
The method is designed to end in practical changes, not a prettier spreadsheet.
NEXT STEP
Apply the method to your own numbers.
Start with the free Wallet Score or choose a focused service.