FIG Digital — Advisor Package Fit Assessment

The structural finding

Every one of the twenty-eight enrolled advisors pays between $2,005 and $3,277 a month. That is the Essentials price band. Nobody in the cohort is on Basic or Fundamentals — the program has been sold as one product regardless of the size of the practice buying it.

Why this mattersProduction predicts program return almost perfectly across this cohort. Advisors under $2.5M in annual production average 0.6x and not one has cleared 2x. Advisors above $20M average 18.5x and every one has cleared it. Selling the same tier across that entire range guarantees a group of advisors who will conclude the program does not work — and they are right, for them.

The production bands

Bands are derived two ways and cross-checked. Affordability math — program cost divided by gross commission revenue, at the 8.4% CPC yield observed in this cohort and a 5.5% share of revenue — puts the Essentials floor at $9.7M. Observed results are better than that: in the $5M–$10M band, five of seven mature advisors clear 2x. The bands below use the observed floor, with the affordability figure as a secondary check.

Under $2.5M

Do not enrol above Basic

Mean ROI0.6x

Clearing 2x0/3

$2.5M – $5M

Fundamentals

Mean ROI1.8x

Clearing 2x1/2

$5M – $10M

Essentials, if the gates pass

Mean ROI4.7x

Clearing 2x5/7

$10M – $20M

Essentials — the core band

Mean ROI6.7x

Clearing 2x8/10

$20M+

Essentials, or Pro with events

Mean ROI18.5x

Clearing 2x6/6

The twenty-eight, assessed

Production band is where the practice sits. Verdict is what the measured return says to do about it. For advisors past nine months, ROI outranks the band — an advisor returning 9x is not a downgrade candidate no matter what an affordability heuristic says.

Advisor	Ann. production	ROI	Attribution	Organic/yr	Pipeline	Production band	Verdict
PPS18 mo · $2,485/mo · Essentials	$41.9M	40.5x	32%	17.3	245	Essentials or Pro	Working — protectHold, or test Pro if events fit
40.5x return on $44,730 in fees. Production of $41.9M and 32% attribution. Any downgrade conversation should start with this number.
Bencor18 mo · $2,005/mo · Essentials	$74.5M	27.2x	19%	12.0	60	Essentials or Pro	Working — protectHold, or test Pro if events fit
27.2x return on $36,090 in fees. Production of $74.5M and 19% attribution. Any downgrade conversation should start with this number.
Paraclete Wealth Partners18 mo · $3,277/mo · Essentials	$78.3M	18.1x	11%	16.7	261	Essentials or Pro	Working — protectHold
18.1x return on $58,980 in fees. Production of $78.3M and 11% attribution. Any downgrade conversation should start with this number.
Barron15 mo · $2,741/mo · Essentials	$15.6M	16.7x	40%	5.6	60	Essentials	Working — protectHold
16.7x return on $41,116 in fees. Production of $15.6M and 40% attribution. Any downgrade conversation should start with this number.
Hanson14 mo · $2,538/mo · Essentials	$18.4M	13.6x	25%	5.1	105	Essentials	Working — protectHold
13.6x return on $35,538 in fees. Production of $18.4M and 25% attribution. Any downgrade conversation should start with this number.
TAG13 mo · $2,674/mo · Essentials	$51.3M	9.7x	7%	9.2	60	Essentials or Pro	Working — protectHold
9.7x return on $34,761 in fees. Production of $51.3M and 7% attribution. Any downgrade conversation should start with this number.
Envision Retirement Solutions13 mo · $2,735/mo · Essentials	$9.46M	9.4x	38%	15.7	30	Essentials (qualify)	Working — protectHold
9.4x return on $35,555 in fees. Production of $9.5M and 38% attribution. Any downgrade conversation should start with this number.
Chapman17 mo · $2,719/mo · Essentials	$32.3M	8.9x	10%	7.1	59	Essentials or Pro	Working — protectHold
8.9x return on $46,230 in fees. Production of $32.3M and 10% attribution. Any downgrade conversation should start with this number.
Seaman18 mo · $2,485/mo · Essentials	$15.1M	7.8x	18%	6.7	60	Essentials	Working — protectHold
7.8x return on $44,730 in fees. Production of $15.1M and 18% attribution. Any downgrade conversation should start with this number.
Safe Tree Retirement Services18 mo · $2,568/mo · Essentials	$19.1M	7.5x	13%	6.0	63	Essentials	Working — protectHold
7.5x return on $46,230 in fees. Production of $19.1M and 13% attribution. Any downgrade conversation should start with this number.
Milford18 mo · $2,485/mo · Essentials	$11.7M	7.2x	20%	4.7	65	Essentials	Working — protectHold
7.2x return on $44,730 in fees. Production of $11.7M and 20% attribution. Any downgrade conversation should start with this number.
SecureNet Financial18 mo · $2,485/mo · Essentials	$8.60M	6.9x	35%	8.0	571	Essentials (qualify)	Working — protectHold
6.9x return on $44,730 in fees. Production of $8.6M and 35% attribution. Any downgrade conversation should start with this number.
SageGuard12 mo · $2,416/mo · Essentials	$21.4M	6.8x	11%	3.0	27	Essentials or Pro	Working — protectHold
6.8x return on $28,992 in fees. Production of $21.4M and 11% attribution. Any downgrade conversation should start with this number.
DSWMG17 mo · $2,687/mo · Essentials	$6.61M	5.3x	27%	0.0	60	Essentials (qualify)	Working — protectHold
5.3x return on $45,674 in fees. Production of $6.6M and 27% attribution. Any downgrade conversation should start with this number.
Fredericks13 mo · $2,581/mo · Essentials	$11.0M	4.9x	17%	0.9	52	Essentials	Working — protectHold
4.9x return on $33,549 in fees. Production of $11.0M and 17% attribution. Any downgrade conversation should start with this number.
Frazie17 mo · $2,504/mo · Essentials	$8.15M	4.6x	20%	2.8	61	Essentials (qualify)	Working — protectHold
4.6x return on $42,576 in fees. Production of $8.2M and 20% attribution. Any downgrade conversation should start with this number.
Everstead Capital11 mo · $2,750/mo · Essentials	$13.5M	3.6x	9%	3.3	15	Essentials	Working — protectHold
3.6x return on $30,252 in fees. Production of $13.5M and 9% attribution. Any downgrade conversation should start with this number.
Riverside Wealth Advisors18 mo · $2,485/mo · Essentials	$8.82M	3.4x	16%	4.0	272	Essentials (qualify)	Working — protectHold
3.4x return on $44,730 in fees. Production of $8.8M and 16% attribution. Any downgrade conversation should start with this number.
Floyd18 mo · $2,335/mo · Essentials	$13.0M	2.6x	6%	0.7	107	Essentials	Underperforming — interveneHold, fix funnel
2.6x with only 6% attribution after 18 months. Business is closing outside the funnel. Diagnose before changing tier.
SouthPark18 mo · $2,585/mo · Essentials	$2.81M	2x	23%	1.3	60	Fundamentals	Underperforming — interveneHold, fix conversion
2x with 23% attribution and 60 leads in pipeline. The funnel is producing; the gap is conversion and follow-up, not the tier.
WealthCare Financial10 mo · $2,485/mo · Essentials	$18.0M	1.7x	3%	0.0	25	Essentials	Underperforming — interveneHold, fix funnel
1.7x with only 3% attribution after 10 months. Business is closing outside the funnel. Diagnose before changing tier.
B. A. Schrock Financial Group18 mo · $2,485/mo · Essentials	$5.16M	1.7x	13%	2.0	59	Essentials (qualify)	Underperforming — interveneHold, fix conversion
1.7x with 13% attribution and 59 leads in pipeline. The funnel is producing; the gap is conversion and follow-up, not the tier.
ASEC7 mo · $2,485/mo · Essentials	$6.52M	1.9x	13%	3.4	40	Essentials (qualify)	Too early to judgeHold to 12 months
7 months in. The funnel needs 9-12 months to mature. Production of $6.5M supports the current tier.
Axim Wealth6 mo · $2,735/mo · Essentials	$4.06M	1.6x	13%	4.0	32	Fundamentals	Too early to judgeHold to 12 months
6 months in. The funnel needs 9-12 months to mature. Production of $4.1M supports the current tier.
Cash18 mo · $2,485/mo · Essentials	$12.3M	0.9x	2%	0.0	20	Essentials	Not returningDowngrade to Fundamentals
0.9x after 18 months. 2.3% attribution and 0.0 organic policies a year on $12.3M production — the paid funnel is not this advisor's channel.
Beacon16 mo · $2,809/mo · Essentials	$2.28M	1.9x	39%	1.5	60	Below floor	Below program floorDowngrade or exit
Production of $2.28M sits under the $2.5M floor. No advisor in this cohort below $2.5M has cleared 2x. This is an enrolment-fit issue, not a performance issue.
Oasis Advisors6 mo · $2,485/mo · Essentials	$2.15M	0x	0%	0.0	19	Below floor	Below program floorDowngrade or exit
Production of $2.15M sits under the $2.5M floor. No advisor in this cohort below $2.5M has cleared 2x. This is an enrolment-fit issue, not a performance issue.
Rise Private Wealth Advisors8 mo · $2,485/mo · Essentials	$0.86M	0x	0%	0.0	41	Below floor	Below program floorDowngrade or exit
Production of $0.86M sits under the $2.5M floor. No advisor in this cohort below $2.5M has cleared 2x. This is an enrolment-fit issue, not a performance issue.

Read this against the downgrade watch listMilford at 7.2x, Seaman at 7.8x and Envision at 9.4x all appear here as working and worth protecting — and all three are on the report's downgrade list citing price or lack of ROI. Their problem is not the tier. It is that the return has not been made visible to them.

Qualifying a new advisor

For advisors with no program history, run these in order. The first three are hard gates — failing any one of them caps the tier regardless of what the others say.

GATE 1

Annual productionHARD

Under $2.5M: do not enrol above Basic. No advisor in this cohort below that line has returned the fee. $2.5M–$5M: Fundamentals. $5M–$10M: Essentials only if gates 2 and 3 both pass. $10M–$20M: Essentials. Above $20M: Essentials, or Pro where there is a recurring event calendar.

GATE 2

Advertising budgetHARD

Essentials requires $1,000 a month in media spend on top of the fee; Pro requires $3,500. The three-stage funnel is most of what the fee buys, so without spend behind it the advisor is paying for capability that never runs. If the budget is not there, the honest answer is Fundamentals.

GATE 3

Appointment capacityHARD

Fewer than five new appointments a quarter will not absorb a lead generation program. Ask who calls a lead that arrives on a Tuesday afternoon, and how fast. Slow follow-up is the most common cause of a low return on a technically healthy funnel.

GATE 4

Channel fit

Does any of their business currently close through inbound or digital channels? Advisors whose production is entirely referral or offline-seminar driven show the lowest attribution in this cohort — Cash at 2.3% and WealthCare at 3.3%, both on strong production. High production does not make someone a good fit if the funnel is not how they sell.

GATE 5

Database depth

Under roughly 250 contacts, the nurture and re-engagement layer has nothing to work with, and the Influenced attribution tier — which carries most of the measured return in this cohort — cannot form. Small databases push all the weight onto paid acquisition alone.

GATE 6

Review cadence

Do not judge a new advisor before twelve months. Two of this cohort sit under nine months with returns below 2x, which the tenure data says is normal: the 0–6 month group averages 0.8x and the 13–15 month group averages 10.9x. Set that expectation at the sale, not at the first review.

What this assessment cannot see

Four limits worth stating before anyone acts on a recommendation here.

AUM is not captured

The underlying report attributes insurance commissions only. For hybrid and fee-based practices the true return may be materially higher — B. A. Schrock moved from 1.7x to 2.3x once AUM was included, and appears here as underperforming on the insurance number alone. Any advisor flagged for downgrade should be asked for AUM data first.

Production is annualised from program tenure

Premiums are divided by months in program and multiplied by twelve. For advisors with seasonal or lumpy production, or fewer than twelve months of history, that figure is an estimate rather than a measured year.

Capacity and budget are not in the data

Gates 2 and 3 are the two strongest predictors of success in the sales framework and neither appears in this dataset. Every recommendation here is provisional until someone confirms them with the advisor.

Attribution is probabilistic

Organic, Influenced and Engaged tiers are weighted 100%, 50% and 10%. A low attribution rate can mean the funnel is not the channel, or that email-based lead matching is missing contacts who used a different address — a known gap in the source report.