Real Balance
Turning Xero data into on-demand CFO-level advice for accounting firm Real Balance and their clients.
Accounting
Financial Services
Services
AI Automation
Category
Advisory & Accounting
Client
Real Balance
Turning Xero Data into On-Demand CFO-Level Advice
Real Balance, an accounting and business consulting firm led by Craig Whitton, wanted to give clients more than just financial reports. Xero already provided accurate numbers — but clients needed guidance, context, and quick answers that went beyond bookkeeping.
The Challenge
Beyond Reports
Clients had access to dashboards and reports, yet still asked:
"What does this mean for my business?"
"Can I afford to hire right now?"
"Why is profit down even though sales are up?"
Real Balance needed a way to turn raw accounting data into meaningful, real-time insights — without adding manual workload for their team.
The Solution
Phlo built a smart client dashboard connected directly to Xero — giving clients a live view of their finances and an AI layer that turns numbers into answers.
Key Features
Data-Driven Conversations: the dashboard syncs live Xero data — revenue, profit margin, tax obligations, and invoices — so clients can chat naturally with their numbers.
AI CFO Assistant: reads financial data and Real Balance's internal notes to answer questions like "How is my cash flow trending?" or "What changed in my expenses this quarter?"
Human Insight, Amplified: while Xero delivers the numbers, Real Balance delivers the interpretation — acting as each client's virtual CFO team, explaining trends, highlighting risks, and recommending actions.
The Results
Clients receive instant insights — not just monthly reports.
Real Balance's advisors spend less time compiling numbers and more time guiding strategy.
The firm has positioned itself as a modern, advisory-led practice — blending technology with expert financial judgment.
