You have seen the other options. This is a different product.
Most advisor referral programs sell you a form fill — a lead — and then take a piece of the relationship for as long as it lasts. What we sell is a prospect, and the difference is knowledge: every household we deliver graded their own finances and asked for the conversation. You get them alone, you get them knowing where they hurt, and once you have paid for them we are done charging you. The table below is the whole argument, sources included.
You know the household before you dial
Every prospect has already finished a financial plan with us — 20 to 55 answered questions, nine graded categories, their weak spots identified and an opening line suggested. You are not calling a form fill. You are calling someone whose plan you have already read.
They are yours alone
One prospect, one advisor. We never resell a prospect while you hold it. SmartAsset sends the same person to as many as three advisors and Ramsey shows a household up to five Pros — so the first to dial wins and the rest paid for nothing.
You pay once, and then it stops
A flat price per prospect, published. No contract, no monthly fee, no revenue share. If that household becomes a client, everything they are worth in year one and in year ten is yours — we do not follow the relationship. And we keep sending prospects until you have made three times your money back.
The question worth asking: when does the fee stop?
Free to join is not the same as free. Two of the programs below cost nothing up front and then take a share of the client for as long as you keep them — which is exactly the period in which a good client is worth the most.
And it is the only one on this page that keeps sending until you are three times up.
Side by side
| Savology | SmartAsset | Zoe | Wealthramp | SmartVestor | WiserAdvisor | |
|---|---|---|---|---|---|---|
| A finished financial plan before the introduction | ● 20–55 questions, nine graded categories | ○ Form fields | ○ Short digital form | ○ Matching profile | ○ Form fields | ○ Directory form |
| Exclusive to you | ● Never resold while you hold it | ○ Up to three advisors | ● Curated match | ● Curated match | ○ Up to five Pros | ○ Two or three advisors |
| Planning software the household actually uses | ● Report card, plan, action items, education | ○ None | ◐ Custody and reporting, not planning | ○ None | ○ None | ○ None |
| We keep nurturing them after the handoff | ● Automatically, for as long as you hold them | ◐ Tools you operate yourself | ○ None | ○ None | ○ None | ○ None |
| Reaches the CRM you already run on | ● CSV download, or a webhook into Zapier | ● Salesforce and Redtail | ● Wealthbox | ○ None | ○ None | ○ None |
| Could never be one of your existing clients | ● Structurally excluded and independently audited | ○ No relationship to conflict with | ○ — | ○ — | ○ — | ○ — |
| The fee ends when you pay it | ● Nothing owed afterward | ○ Annual commitment | ○ Ongoing retention fee | ○ Referral fee | ○ Annual membership and territory | ○ Monthly |
● yes · ◐ partial · ○ no
Two more things, because you would find out anyway
We keep sending until you are 3x up
Connect rates across this whole industry sit around a quarter, and anyone promising you better is selling. So our guarantee is about the outcome, not a refund: we keep sending prospects until you have made at least 3x your money back — first-year advisory revenue, at your own fees. All it asks is the follow-up method our course teaches. It covers MQ prospects, the ones with a verified phone and consent to be called, and every prospect’s tier is on the shelf before you pick.
Your own clients are not in here
We also sell planning software to advisory firms and employers, so the fair question is whether one of your clients could ever come back to you as a prospect you paid for. They cannot. Those households sit on separate systems and are excluded from the pool by the query itself, not by a policy — and we audited the whole population to confirm it came back at zero.
Savology is run by Brian Case, CFP® — a CERTIFIED FINANCIAL PLANNER® professional with three decades in financial services who built and sold his own advisory practice before taking over Savology. His practice focused on physicians and healthcare professionals. He still holds his CFP®, he writes the advisor training himself, and the free working session that comes with Advisor Prospects is with him — a planner’s conversation, not a sales call.
Where these figures come from
Competitor terms are public or, where a company does not publish a rate card, reported by a named third party and labeled as reported. All checked 22 August 2026. If any of it has changed, tell us and we will correct this page.
- SmartAsset AMP pricing and up-to-three delivery — Advisor Appointments; capabilities and CRM population — SmartAsset AMP. Reported, not a published rate card.
- Zoe Financial — free to join, success fee and ongoing retention fee — OJay Media; platform and Wealthbox partnership — Wealthbox.
- Wealthramp — advisors pay nothing to join, referral fee after three months — Wealthramp FAQs.
- Ramsey SmartVestor — up to five Pros shown per household — SmartVestor; fees reported by Ark Wealth. Ramsey does not publish a rate card.
- Indyfin / WiserAdvisor — $99 per advisor per month reported by Wealthtender.