Dashboard Overview
Real-time analytics from your local database
Total Users
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All registered users
Completed Assessments
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--% completion rate
Average Score
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Out of 100 points
Pending Assignment
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Users without agents
Upcoming Birthdays
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Policy Renewals
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Overdue Tasks
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User Activity & Trends
Score Distribution
Excellent (80-100)
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Good (60-79)
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Fair (40-59)
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Needs Improvement (0-39)
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Recent Activity
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Client Management
View, assign, and enroll your clients
All Clients
| Name | Phone | Status | Score | Agent | Actions | |
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Lead Pipeline
Drag and drop leads through your sales stages
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Add Lead to Pipeline
Follow-up Automation
Create sequences of tasks that automatically fire when leads are added or move through the pipeline
Stale Leads Alert
Your Sequences
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Stale Leads
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Referral Tracking
See who's sending you the most business and reward them
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Total Referred Leads
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Unique Referrers
Top Referrers
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Calendar
Tasks, birthdays, renewals, and your connected calendars
Tasks
Birthdays
Renewals
My Events
Sun
Mon
Tue
Wed
Thu
Fri
Sat
Select a day
Click a day to see events
Add Event
Edit Event
Appointment Details
Client
Duration
Email
Phone
Edit Task
Connected Calendars
Google Calendar
Syncs all events from your primary Google Calendar.
Add iCal / Other Calendar
Works with Apple Calendar, Outlook, and any app that exports an .ics URL
Tasks
Manage your to-do items and follow-ups
Task List
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Overdue Tasks
Message Templates
Reusable email and SMS templates — use {{firstName}}, {{advisorName}} as merge tags
Merge tags:
{{firstName}}
{{fullName}}
{{advisorName}}
{{advisorPhone}}
{{advisorEmail}}
— all replaced automatically when sending.
Your Templates
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Activity Log
Track all client interactions
Recent Activities
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Advisor Management
Manage your team of advisors
Add New Advisor
Advisors
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Staff Management
Manage admins, managers, and agents
Add Staff Member
All Staff
| Name | Role | Team | Actions | |
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Team Management
Organize your staff into teams
Create Team
Teams
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Lead Capture Pages
Create campaign landing pages that automatically add leads to your CRM
Lead Sources
No data yet
Quick Tips
- Share your page URL in Facebook/Instagram ads
- Add
?utm_source=facebookto track ad traffic - Each submission automatically creates a CRM contact
- You get an email alert the moment a lead comes in
Your Landing Pages
CSV Import
Bulk import leads from a spreadsheet or purchased list
Drop your CSV here or click to browse
Supports .csv files up to 5MB • Any column names
Map your CSV columns to contact fields:
Preview first 5 rows
New Landing Page
FORM OPTIONS
THANK-YOU MESSAGE
QR Code Generator
Generate printable QR codes for your booking page, landing pages, and custom links
Pro tip: Download a QR code and add it to your business cards, flyers, mailers, or seminar handouts so prospects can book directly from print materials.
Your Booking Page
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Landing Pages
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Custom URL
Scan this code with any smartphone camera to open the link instantly.
Campaign Analytics
Track where your leads come from, how they convert, and your cost per lead
Lead Volume
By Source
Source Performance
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UTM Campaigns
Tagged with?utm_campaign=
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Landing Page Performance
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Ad Spend Log
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Email Campaigns
Manage drip campaigns and automated emails
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Total Campaigns
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Active
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Emails Sent
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Queued
All Campaigns
Campaign
Trigger
Type
Status
Sent
Open %
Actions
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Email Queue
View scheduled and sent emails
Email Queue
| User | Campaign | Status | Scheduled | Sent At | Actions |
|---|---|---|---|---|---|
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SMS Queue
View scheduled and sent text messages
SMS Queue
| Name | Phone | Campaign | Scheduled | Status | Twilio SID | Actions |
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Availability Settings
/book/
Letters, numbers, and hyphens only. Must be unique.
How far in advance clients can book
Meeting Types
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Upcoming Bookings
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Add Meeting Type
401k vs Roth IRA vs IUL
Illustrate long-term accumulation and retirement income — three vehicles, one honest comparison
Client Profile
Applied equally to both scenarios for fair comparison
401k Parameters
% of employee contribution
Or enter 0 for no cap
Used to calculate match cap
What a perfect index investor gets — most people get significantly less
DALBAR 2024: avg 401k participant ~4.9%/yr vs market 10%+. Target-date fund investors ~6–7%. Set higher only for disciplined index-fund investors.
Gap between S&P best-case and client's assumed return — subtracted from every year including crashes
IUL Parameters
Max annual credit (typical 10–12%)
Minimum credit in down year
How IUL crediting works in this simulation:
Each year's actual S&P 500 return is capped at the Index Cap and floored at the Floor rate.
No flat average is applied — real historical returns drive the results year by year.
Each year's actual S&P 500 return is capped at the Index Cap and floored at the Floor rate.
No flat average is applied — real historical returns drive the results year by year.
0% = wash loan (most IUL policies). Net cost after credited interest.
Roth IRA Parameters
DALBAR 2024: avg equity investor earned ~6.8%/yr over 30 yrs vs S&P's ~11%+ — due to fund selection, panic selling, and inaction
Avg actively managed fund: ~1.0%. Index fund (VOO): ~0.03%. Most self-directed investors are not in index funds.
2025 Contribution Limits:
Under age 50: $7,000/yr | Age 50+: $8,000/yr
Income phase-out: $146k–$161k (single) · $230k–$240k (married)
Under age 50: $7,000/yr | Age 50+: $8,000/yr
Income phase-out: $146k–$161k (single) · $230k–$240k (married)
The honest picture: Only ~13% of self-directed retirement accounts hold index funds. Most hold actively managed funds, target-date funds with bond allocations, or sit partially in money market. Adjust the return above to match the client's realistic expectation.
Annual Fees — Side by Side
Fees compound silently — the 401k fee grows as the balance grows; the IUL COI shrinks as cash value builds toward the face amount
401k Fees
Fund expense ratio + admin/recordkeeping + advisory fees
Client's assumed return — what the 401k actually averages in this simulation
Common breakdown:
Fund expense ratio: 0.05–1.00%
Admin/recordkeeping: 0.20–0.50%
Advisory/advisor fee: 0.25–1.00%
Typical all-in: 0.50–1.50%/yr
Fund expense ratio: 0.05–1.00%
Admin/recordkeeping: 0.20–0.50%
Advisory/advisor fee: 0.25–1.00%
Typical all-in: 0.50–1.50%/yr
Roth IRA Fees
Reality check:
Index fund (VOO): ~0.03%
Avg actively managed fund: ~1.0%
Most self-directed investors: ~1.0%+ in mixed/managed funds
Index fund (VOO): ~0.03%
Avg actively managed fund: ~1.0%
Most self-directed investors: ~1.0%+ in mixed/managed funds
The real tradeoffs:
$7,000/yr hard contribution ceiling
No death benefit. No floor protection.
Returns depend on fund selection & behavior.
$7,000/yr hard contribution ceiling
No death benefit. No floor protection.
Returns depend on fund selection & behavior.
IUL Fees (COI + Expenses)
Typical rates by age — age 30–35: 0.08–0.15% · age 40–45: 0.15–0.35% · age 50–55: 0.40–0.80% · age 60+: 1.0–1.8%
COI is applied only to the gap between face amount and current cash value — that gap shrinks every year
COI crossover advantage:
Year 1 (age 35, $500k face, $0 cash): ~$750/yr COI at 0.15%
Year 20 ($350k cash value): $150k NAR × 0.15% = ~$225/yr
As cash value grows → COI shrinks → $0 at maturity
No contribution ceiling. Death benefit included.
Year 1 (age 35, $500k face, $0 cash): ~$750/yr COI at 0.15%
Year 20 ($350k cash value): $150k NAR × 0.15% = ~$225/yr
As cash value grows → COI shrinks → $0 at maturity
No contribution ceiling. Death benefit included.
IUL Illustration
Drop PDF here or click to browse
PDF up to 15MB
401(k) Statement
Drop PDF here or click to browse
PDF up to 15MB
Annuity Illustration
Drop PDF here or click to browse
PDF up to 15MB
All Uploaded Documents
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Year-by-Year Spendable Value — Historical Market Returns
401k = after-tax spendable (avg investor return) | Roth IRA = avg investor flat return, tax-free (orange) | IUL = cash value, tax-free (green) | Gold ◆ = IUL floor protection yearAnnual Return: S&P 500 vs IUL Credited Rate
Blue = S&P 500 raw return | Red = down year | Green = IUL credited after cap & floor | Shows exactly where the cap limits gains and floor prevents lossesAnnual Fee Cost: 401k vs Roth vs IUL — The Real Cost of Each Vehicle
401k management fee (red) grows as the balance grows | Roth IRA fee (orange) stays near $0 | IUL COI (green) declines as cash value approaches face amount — eventually $0Retirement Income Comparison
The Set-It-and-Forget-It Reality Check
What actually happens when someone who doesn't actively manage their money puts the same dollars into each vehicleIUL Living Benefits — The Value No Account Balance Can Show
Benefits available while the client is alive — completely absent from 401k and Roth IRAS&P 500 Historical Loss Years (2004–2023)
Actual down years and their dollar impact on your 401k vs IUL with 0% floor401k Recovery Time After Market Crashes
How many years does the 401k spend rebuilding instead of compounding? Red columns on the chart mark crash years.What If Tax Rates Rise? — 401k vs Roth vs IUL Sensitivity
The 401k's spendable value shrinks with every point tax rates climb. The Roth IRA and IUL are both immune — tax-free regardless of future rates.Sequence of Returns Risk — The Retirement Killer
Same average returns, same withdrawal — but a crash in year 1 of retirement permanently cripples the 401k and Roth IRA. The IUL's 0% floor absorbs the shock and keeps compounding.Required Minimum Distributions — The Forced Tax Event
At 73 the IRS forces 401k withdrawals whether you need the money or not. Roth IRA and IUL have zero forced distributions — access on your terms, never the government's.At Retirement: Keep in 401k vs. Roll to Fixed Index Annuity (FIA)
FIA: 0% floor, no cap, participation rate on S&P gains. No ongoing management fee.
Defaults to 401k after-tax balance from accumulation above
% of S&P gain credited to FIA. No cap. Floor = 0%.
Ongoing advisor/fund fee on remaining 401k balance
Retirement Balance Over Time
Remaining balance each year after withdrawals — 401k (blue) vs FIA (orange)Settings
Configure branding, app settings, and integrations
Branding & Appearance
Displayed in the mobile app header
Shown below company name on login screen
URL to your company logo (optional)
Email Notifications
Receives notifications for new users and completed assessments
Go High Level Integration
Facebook Lead Ads
Setup Instructions
- Go to developers.facebook.com → Create App → Business type
- Add the Leads Access product to your app
- Under Webhooks, add a new subscription for Page object
- Set Callback URL to:
- Set Verify Token to the value shown below and click Verify
- Subscribe to the leadgen field on your Page
- Generate a permanent Page Access Token (via Graph API Explorer → long-lived token) and paste below
Agent Applications
AI-screened agent candidates
Pending Review
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Strong Yes
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Yes
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Approved
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All Applications
| Applicant | Location | Experience | AI Tier | Score | Status | Applied | Actions |
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