What "Connected" Means

States You'll See in Your Dashboard

• Pending — you sent an invitation; the client hasn't accepted or declined yet
• Connected — they accepted the connection (data-sharing may or may not be on)
• Seated — you're paying for their Builder Pro access (independent from connection)
• Not Invited — they're in your CRM (manually added or imported) but you haven't sent an invitation

What the Client Pays

Nothing changes about the client's billing when they connect. Starter stays Starter; Builder Pro stays Builder Pro. The connection itself doesn't move them between plans.

What You Pay

Nothing. Connections are free. They don't count against your seat allowance.

How the Connection Starts

You send an invitation from your Practice → Clients or Seats page. The client clicks the link, signs in (or creates an account), and explicitly accepts the connection. You can set a custom expiration on the invitation when you send it — useful for time-bounded outreach. See Inviting Clients for the full flow.

How It Ends

Either party can end the connection at any time:

• You can disconnect from the client's profile or Pipeline → Connections page
• The client can disconnect from their Settings → Advisor Access
• Disconnecting has no effect on the client's subscription or their data

Retiring the CRM Profile Is Different Again

Retiring a client profile from the client detail page archives open deals, preserves the CRM history, removes the client from the active roster, and ends the advisor connection. For a shared agency client, it also revokes the agency access link. It does not delete the client's Policy Stack account. Release any active practice or agency seat before retiring the profile.

The Difference Between Connected and Seated

Connection is about the link. Seating is about paying for Builder Pro. A client can be connected without being seated, or seated without being connected. Most advisor-client relationships involve both.

See Connected vs Seated: The Complete Guide for the full comparison.

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.