Upgrading from a personal account to an advisor account
How-to6 min read
Upgrading from a personal account to an advisor account
What changes, what stays the same, and how to make the switch
On this page
If you use Policy Stack to track your own banking system and also coach or help others implement whole life banking, you can elevate your account to an advisor account. This gives you a dedicated practice workspace alongside your existing personal data — without losing anything you have already entered.
Who this is for
This path is for Policy Stack users who:
Already have a personal account (Starter or Builder Pro) tracking their own whole life policies
Also work with clients — whether as a licensed agent, an independent coach, or someone who helps family members and friends navigate whole life banking
Elevating adds an advisor practice layer on top of your existing account. Your personal policies, loans, deployments, and goals remain exactly where they are.
What changes when you elevate
When you elevate to an advisor account, the following are added to your account:
Practice sidebar — a dedicated navigation section for your practice workspace, separate from your personal banking system view
Client seats — the number of client accounts you can connect to your practice, determined by your practice tier (see Advisor Tier Comparison below)
Public profile and directory listing — Practice 25 and Practice 50 tiers include a public-facing advisor profile and a listing in the Policy Stack advisor directory, where prospective clients can find and connect with you
Practice setup — a skippable checklist on your Practice Dashboard for your directory listing, the practice tour, and your first client
The following do not change:
Your personal policies, loans, deployments, snapshots, and goals — all untouched
Your personal data encryption and access controls
Your personal account login and email address
Advisor Tier Comparison
All paid practice tiers include every advisor feature. The tiers differ only in included client seats and a few additional items:
Tier
Monthly
Included Seats
Overflow Seats
Branded Exports
Featured Directory
Practice Solo
$49
0
—
—
—
Practice 10
$209
10
Available to purchase
Included
—
Practice 25
$399
25
Available to purchase
Included
Included
Practice 50
$649
50
Available to purchase
Included
Included
Practice 100
$1,249
100
Available to purchase
Included
Included
Every practice tier gives you access to the full practice feature set: client management, CRM, pipeline, smart lists, workflows, scenarios, and the advisor analytics suite, plus your own personal Builder Pro access for tracking your own banking system.
Whether a free trial applies depends on where you are starting from:
Starting from Starter (free): your practice subscription begins with a 30-day free trial, with your tier's full seat allowance active from day one.
Starting from Builder Pro: there is no trial. Elevating changes the price on your existing subscription in place, and the unused time on your Builder Pro period becomes a proration credit against your first practice charge instead. See "What if I am on Builder Pro?" below.
How to upgrade
Open Settings → Subscription & Billing in the sidebar.
Find the "Elevate to Advisor" card and click "Set up your practice".
Pick how many client seats you need (Just you, 10, 25, 50, or 100) and accept the Advisor Program Agreement.
Complete checkout. From Starter this is a Stripe checkout that starts your 30-day trial; from Builder Pro it is an in-place price change with a proration preview you confirm first.
Return to Policy Stack — your practice workspace is now active.
After checkout, both your personal banking system and your practice workspace are accessible from the same account. The sidebar updates to show both sections.
What if I am on Builder Pro?
Builder Pro and advisor tiers are separate billing products. When you elevate:
Stripe prorates the unused time remaining on your Builder Pro billing period and applies it as a credit toward your first advisor subscription charge
You are not double-charged for the transition period
Builder Pro features (AI in Full Mode, unlimited policies, document extraction, and the currently live strategic tools) remain available inside your account — your personal data access does not change
Before you confirm, the billing preview shows the exact Amount due today and breaks it into the Practice charge, Builder Pro credit, any taxes, discounts, or account-balance adjustment, and any remaining credit. It also shows the next monthly charge. The preview date is carried into confirmation so the displayed proration and the submitted change use the same Stripe calculation.
The elevation preview uses USD and shows whole dollars, or two decimal places when cents are present. Credits use a minus before the dollar sign, such as −$5.
Because this is a price change on the subscription you already have rather than a brand-new one, the 30-day practice trial does not apply on this path. The proration credit takes its place.
If your Builder Pro subscription was annual, the prorated credit covers the unused portion of the annual term.
What if I have Builder Pro through my advisor's client seat?
While an advisor is actively paying for your client seat, elevation is not available. The "Elevate to Advisor" card does not appear in Settings → Billing, and advisor setup stops at the server as well, with the message "A client seat cannot be used to create an advisor account." Your account already holds advisor-funded Builder Pro, so there is no plan for it to buy.
Two states are not the same thing and do not close the path: a seat invitation you have not accepted, and a seat whose advisor's practice subscription has lapsed. In either case you hold no funded seat, and elevation is open to you as it is to any other self-paying account.
To elevate out of a funded seat, the seat has to end first — either your advisor releases it, or you disconnect from that advisor in Settings → Advisor Access, where the disconnect flow lets you pay for Builder Pro yourself or drop to Starter. Once the seat is no longer assigned to you, the Elevate to Advisor card returns and advisor setup proceeds normally. Your personal data — policies, deployments, goals, and history — remains intact either way.
Can I downgrade back to a personal account?
Yes. To return to a personal-only account:
Go to Settings → Billing.
Select "Downgrade" or "Cancel practice subscription."
Confirm the change — your practice subscription ends at the close of the current billing period.
When the practice subscription ends:
Your practice workspace (clients, CRM, pipeline, workflows) becomes inaccessible
Your personal policies, loans, deployments, and goals are fully preserved
You return to whatever consumer tier you had prior to elevating (or Starter if you did not have an active consumer subscription)
Client connections are paused, not deleted — if you resubscribe to an advisor tier in the future, your prior client history can be restored.
Privacy and data separation
Your personal banking system data and your practice client data are fully separated at the data layer. Clients you connect to your practice can only see what you explicitly share with them. Your personal policies and financial data are never visible to your clients.
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.