I agree value propositions should be simple and clear. "Simplify your finances" is a great start. You should then follow up with how your product does that etc.

Start with a best guess value proposition then let the market tell you what the real best value proposition statement should be. Do this by split testing various versions to see what the outcome is. Once you get customers ask them via a survey or phone call what they think the value proposition should be.

Always defer to the market for the answer to best anything.