Abstract: A user operated device, operating system and associated computer writeable media for retrieving, storing and displaying data associated with at least one personal financial account. A handheld body includes a built in microprocessor and memory communicating with a keypad, screen display and power supply. A built-in modem and wireless communication protocol associated with said processor soliciting the retrieving and downloading of digital information, in real-time fashion from a remote server (including such as a Personal Assistant Manager subscription based server for compiling, storing and regularly updating transactional information relating to each of a plurality of unrelated user accounts), said transmitted information being selectively stored into said memory and/or presented on said screen display.