Changing Your Practice Tier

Downgrading: Scheduled for Renewal

Downgrades are scheduled for the end of your current billing cycle — no mid-cycle proration, no partial refund. You keep your current tier and every seat you've assigned through the period you've already paid for. At renewal, the new plan and its seat cap take over.

What happens to your clients at renewal

If your current assigned-seat count is higher than the new tier's capacity (included seats + any overflow you carry), your newest assigned clients (ordered by when each seat was assigned) lose their seat at renewal. The modal preview shows the exact number under "Clients affected" before you confirm — you'll know how many clients will be booted before you schedule the change.

Each booted client receives an email titled "An update about your Policy Stack access" explaining that their advisor recently updated their Policy Stack plan, reassuring them their data is safe and the account stays, and offering a 20% off coupon (ADVISOR_TRANSITION) for self-pay annual Builder Pro. See Seat Expiration and What the Client Sees for the full client-side experience.

Worked example

You're on Practice 25 with 12 assigned clients and downgrade to Practice 10 (10 included). If you have 0 overflow seats, your 2 newest clients are booted at renewal. If you carry 5 overflow seats, the new capacity is 15 — no boot.

Pending seat invitations at downgrade time

Outstanding seat invitations stay in the pool but may not convert if the seat pool fills up after renewal. Cancel any pending invitations you don't expect to accept before the renewal date so you don't end up with silently failing accepts.

Downgrading to Practice Solo

Practice Solo includes 0 client seats and no overflow purchasing. If your current assigned-seat count is greater than 0, downgrading to Solo will boot every seated client at renewal. The modal preview makes this explicit before you confirm.

How to Change Your Plan

Policy Stack is a tracking and visualization tool. It does not provide financial advice, recommendations, or opinions on what you should do with your banking system.

Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute.