Question 1

What's the difference between Starter and Builder Pro?

Accepted Answer

Starter lets you track 1 policy with core features — enough to test the system, with the AI assistant available in help mode (chat-only, no data access). Builder Pro unlocks unlimited policies, AI assistant in full mode (reads and modifies your data), all 8 tools, document extraction, and CSV/PDF export.

Question 2

How do I connect my account to my advisor?

Accepted Answer

The easiest way is to sign up through your advisor's invite link — policystack.co/advisor/their-name. Your account is automatically linked to their practice when you finish onboarding. You can also enter their referral code during signup; your advisor can share the code from their Practice Settings. If you already have an account, go to Settings → Advisor Access to connect manually.

Question 3

What happens after the trial?

Accepted Answer

Consumer Builder Pro includes a 14-day free trial (30 days if referred by a practitioner). Advisor plans include a 30-day free trial. Practice 10 and above get 3 client seats during the trial. Your card is charged at the plan rate when the trial ends. Cancel anytime before the trial expires and you won’t be charged.

Question 4

Can I switch between plans?

Accepted Answer

Yes. Upgrade or downgrade anytime. Upgrades take effect immediately with prorated billing. Downgrades take effect at the end of your current billing period.

Question 5

How do client seats work?

Accepted Answer

Each seat gives one client full Builder Pro access ($25/mo value). Seats have configurable durations (3, 6, 12, 18, or 24 months) or can be set with no expiration. When a seat expires, it returns to your pool for reassignment.

Question 6

What if I need more seats than my plan includes?

Accepted Answer

You can add on extra client seats at $15/seat/month on Practice 10 and above. If your add-on costs approach the next tier's price, we'll suggest upgrading for better value.

Question 7

What's a connection vs. a seat?

Accepted Answer

A connection is the CRM link between you and an advisor — your advisor records you as a contact they're tracking. A seat gives you Builder Pro access provided by your advisor. Connection and data-sharing are two SEPARATE consents: you can be connected without sharing financial data, and you can revoke data-sharing without removing the connection. You can also be connected without being seated.

Question 8

What's the referral credit?

Accepted Answer

When someone you refer subscribes to any paid plan — consumer Builder Pro or an advisor tier — you receive a one-time $25 credit on your next invoice. Anyone can refer anyone: advisors, clients, even non-users.

Question 9

What happens if I cancel?

Accepted Answer

Your data is always preserved. When you cancel a paid plan, you keep access through the end of your current billing period, then revert to the free Starter plan. You can re-subscribe anytime and pick up where you left off — nothing is deleted.

Question 10

What happens when my seat expires?

Accepted Answer

You'll receive emails at 90, 30, and 7 days before expiration. After expiration, you can upgrade to self-pay Builder Pro (with a 20% transition discount) or continue on the free Starter plan. Your data is always preserved.

Question 11

What happens to my partner’s access if I cancel Builder Pro?

Accepted Answer

Your partner enters a 30-day grace window. During that window, the two of you can still use the household exactly as before — nothing is hidden, nothing is removed. Both of you receive an email when the window opens. If Builder Pro is reactivated before the window expires, the collaboration returns to active and nothing was lost. If the window expires, your partner’s account is removed and you receive a final notification. You can also remove a partner immediately from Settings → Collaboration with no grace window. Activity log attribution is preserved either way — past entries continue to show who did what.

Feature	Starter	Builder Pro
Track policies
Policy limit	1	Unlimited
Manual snapshot entry
Basic dashboard
Net CV view
Document extraction (AI)
Tools	Debt Sequencer	Debt Sequencer + Income Stacker
AI Banking Assistant	Help mode	Full access
AI Insights
Goal setting & tracking	5	Unlimited
CSV/PDF export
Banking system statements

Feature	Starter	Builder Pro
Track policies
Policy limit	1	Unlimited
Manual snapshot entry
Basic dashboard
Net CV view
Document extraction (AI)
Tools	Debt Sequencer	Debt Sequencer + Income Stacker
AI Banking Assistant	Help mode	Full access
AI Insights
Goal setting & tracking	5	Unlimited
CSV/PDF export
Banking system statements

Plans for every practitioner

For You

For Advisors

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Frequently Asked Questions

Plans for every practitioner

For You

For Advisors

Compare Features

Frequently Asked Questions