Connected vs Seated: Choosing the Right Relationship

When to Connect

Connect is the right choice when:

• The client already has their own Builder Pro subscription
• You want client-controlled visibility into their banking system without covering their subscription cost
• The client is in early stages and you want to establish the relationship before committing a seat
• You are managing costs and want to reserve seats for your most active clients

When to Seat

Seat is the right choice when:

• The client does not have a paid subscription and you want them to have full Builder Pro access
• You want to be able to enter and manage data on the client's behalf
• The client is a core part of your practice and full data access is essential to your advisory relationship

Upgrading from Connected to Seated

You can upgrade a connected client to a seated client at any time from their profile page. Click the three-dot menu and select "Upgrade to Seat." The client keeps their existing data — their account is upgraded to Builder Pro and linked to your practice billing.

Mixed Strategies

Many advisors use a mix of both. A common approach:

• Seat your core clients (those you actively advise and review annually)
• Connect clients who manage their own data and only need periodic check-ins
• Start with a connection for new clients and upgrade to a seat when the relationship deepens

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.