Seat Expires but Connection Stays

The Practical Implication

Imagine this common scenario:

1. You seat a client for a year while actively working with them
2. They decide to self-subscribe to Builder Pro — they no longer need your seat
3. You revoke the seat
4. The client now pays for Builder Pro themselves
5. Your client-granted access continues uninterrupted

No re-invitation. No reconnection flow. The data bridge that formed when they first accepted your invite remains active.

Ending the Connection Explicitly

If you want to remove a client from your account entirely — no seat and no connection — you need to take two separate actions:

1. Revoke the seat (if one is active)
2. Disconnect the client

Both actions are available from the client's detail panel in your advisor dashboard. You can do them in either order.

From the Client's Side

The client sees the same distinction. When their seat ends, they keep Builder Pro for the seven-day transition and then continue on Starter unless another access source takes over. The advisor indicator in account settings continues to show you as their connected advisor until one of you explicitly disconnects.

This transparency is intentional — clients always know whether an advisor has read/write, read-only, or no access to their data.

Summary

• Ending a seat (revoke, downgrade-driven boot, cancellation, freeze) starts a 7-day Builder Pro transition window
• Ending a seat does NOT disconnect the client; your client-granted access continues
• Disconnecting ends advisor access
• Disconnecting does NOT affect any billing state
• To fully remove a client relationship: end the seat AND disconnect

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.