What "Seated" Means

See Overflow Seats for the lifecycle of an overflow seat.

How Seats Connect to Billing

Your advisor plan bills on its regular cycle. Seat counts reconcile at billing time. If you add overflow mid-cycle, the prorated cost applies. If you remove a seat, the adjustment lands on the next billing cycle.

How a Seat Starts

Two paths, both supported by the Add Client dialog on Practice → Clients (and the same flow on Practice → Seats):

1. Invite directly to a seat — generate a seat invitation. The client accepts it from their account and is seated on the spot. You can set a custom expiration on the seat at invite time.
2. Add to CRM first, seat later — capture the contact in your CRM as Not Invited. Send a connection invitation when ready; once they accept, assign a seat from the Seats table.

The seat is independent from data-sharing. Even after a client accepts a seat, they may or may not enable data-sharing in their account — that's a second, independent decision they make. See Connected vs Seated for the dual-consent model.

Custom Expirations

When you send a seat invitation, you can override the default expiration for that one invitation. Useful when:

• You're offering a fixed-term trial as part of an annual review
• You want a hard end-date for a seated client whose engagement is being evaluated
• You're prepping for a re-up conversation and want the timing on the calendar

Set the default duration once in Settings → Seat Defaults (3, 6, 12, 18, or 24 months, or no expiration). Override per invitation as needed. You can also extend a seat in flight — click the expiration date on any assigned seat to extend it, change it, or remove the expiration.

What Happens When the Seat Ends

When a seat ends — manual revoke, downgrade-driven boot, cancellation, or payment-failure freeze — the client enters a 7-day Builder Pro transition window. They get an email immediately and a billing notice on login. If no self-pay subscription or other seat takes over, the account continues on Starter after day 7. A 20% off coupon for self-pay annual Builder Pro is included in the email.

See Seat Expiration and What the Client Sees for the full per-trigger breakdown.

Advisor Access While Seated

While the seat is active, you get a floor of read-only visibility for policies and loans — that data must be visible because you're paying for the Builder Pro account. Everything else — deployments, goals, tools, documents, read-write permission — remains controlled by the client through their data-sharing toggles. They can also disconnect entirely (which ends the connection but the seat can remain active).

When to Use Seats

Seats fit when you want to offer Builder Pro as part of your service. Clients who actively use Policy Stack tend to stay more engaged with their banking system — which benefits both parties.

See Connected vs Seated for the complete 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.