Quivergy Personal
The Financial Wall, retirement planning, family education and private beneficiary intentions are the starting point for household conversations.
Open Quivergy PersonalFor agents & agencies
Run your practice on Quivergy
Agent Overview
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Step 1 of 18
Watch the film
Open getquivergy.com and tap Play the movie. It starts at 1.5x; tap 1x if you want it slower.
Your connected-services map
Personal first. Business activates separately. Kingdom stewardship connects financial preparation with a lifetime of ministry and charitable service.
When you work with Quivergy, you support good charitable work in the world. We give 10% of all profit through KingdomFund.church to active doers of the Word of God. Fledgling ministries can list themselves on CharityGoRound.com to seek donor support.
Connections show service navigation and shared purpose, not automatic account access, data sharing, payment transfers or included memberships. Your service purchase is not a charitable donation.
One walkthrough for every agent: see the platform the way your clients will, open your own back office, learn the client meeting step by step, and know exactly how you get paid.
Let us show you your first three clients
Watch Marilyn, then onboard Rocky and Arnold yourself. Pictures and figures are fictional stand-ins made for training, not the real people or their finances. Nothing is saved or sent.
Three ways to start a new client, all from your Agent Office
Text or email your link
Agent Office → New client → type their name, mobile and email → Send invite by text, email, or both. The client taps the link, signs up with their own email and password, and is credited to you.
Type it yourself at their table
Agent Office → New client → Start typing by hand. Go through the stack of statements while they talk. The file is credited to you.
Zoom: "You talk, I type"
Share your screen from your Agent Office. The client watches while you type what they tell you. They connect their banks with Plaid on their own device.
However you start, the client is credited to you. If they can't remember a login, which is common, type the account in from their latest paper statement.
Example 1: Marilyn Monroe (watch)
Retired performer at her kitchen table with a stack of old statements. You type while she talks.
Step 1 of 8: Sign in to your Agent Office
Agent (John Doyel), his laptop
I open my Agent Office on my laptop.
Client (Marilyn Monroe)
Marilyn pours coffee at her kitchen table.
At-bat 2: Rocky Balboa (you do it)
Owns a chain of boxing gyms. Business and personal money are mixed together, and he has never had a plan.
Send the invite, have the client connect Plaid, type the paper statements, then tap Finish practice.
1 · Tie them to you
At-bat 3: Arnold Schwarzenegger (you do it)
Real estate, films and fitness businesses. Many accounts, several advisors, nobody seeing the whole picture.
Send the invite, have the client connect Plaid, type the paper statements, then tap Finish practice.
1 · Tie them to you
Welcome to Quivergy
Any money we find, Quivergy splits 50-50 with the client, as profit partners. Your agent pay is explained in “How you get paid.”
We are a found-money company. Any money we find for your client, any savings we create, any value we deliver — Quivergy and the client split it 50-50, year after year, as profit partners. ( your agent pay is in “How you get paid” below.) That is the whole pitch, and it is why clients say yes.
As an agent, you will run the 20-Stone Command Center with your business clients. They work on up to four Stones at a time — never more — and each Stone is assigned to a key employee who owns it. A decade of doing this has taught us that no one person can carry four projects at once, so every service gets its own delegate. When one Stone is complete, the next one takes its slot.
On the personal side, you will help those same owners scrape gold off the table into their retirement and family planning with Quivergy Personal — there is a full walkthrough for that below. And your client never has to do the work alone: they can self-study with our playbooks at the $25,000 engagement level, or choose the done-for-you partnership where our team works the Stones alongside their people while you build your agency.
Opening hook to a client
This is what you say to a client when you first meet them, to get them interested.
“We’re a found-money company. When we find money for you, lower your expenses, or increase a benefit to your employees, we split that 50-50.”
How you get paid as the agent is in “How you get paid” below.
Found Money
We find you money and split it 50-50.
- Any money we find, savings we create or value we deliver, Quivergy splits 50-50 with the client each year going forward.
- Sometimes we reduce expenses. Sometimes we increase income.
- Sometimes we just show you the questions nobody ever told you to ask.
Savings vary by business; nothing is owed on money we don't find.
SpeedProof
Your internet provider probably isn't delivering the speed you pay for, and we can prove it.
- Internet providers around the world sell speeds they often don't deliver.
- SpeedProof tests your connection for months and builds a forensic data package that proves it.
- You get a demand letter asking for your money back. In our own test we got about 30% of the speed we paid for, so we asked for 70% back times 12 months.
- It takes a full year of evidence, so we start it on day one.
Our own test result, not a promise. Refunds depend on your provider and your contract.
Funding Hub
AI Fund Match connects to bank underwriting desks for funding up to $10 million.
- Our platform links straight into the underwriting departments of about 75 banks in the USA and Canada.
- Upload the documents we ask for and we match you, then bring you the best three offers.
- You're never waiting on us. We're always waiting on your documents.
- We keep your file fresh every month with CPA updates and a business bank data sync, so you can stay pre-approved. Offers can show up on your devices or your VISOR heads-up display.
Not a lender. Approval, amounts and terms are set by each lender.
DSCR Real Estate
Buy a building based on its cash flow, not your personal income.
- DSCR loans are underwritten on the building's yearly cash flow (debt service coverage), not your personal income limits.
- We can often finance up to about 80% of the price, say on a 100-unit building.
- Keep the current property management company in place and you collect rents with your feet up.
Loan-to-value, rates and approval depend on the lender and the property. Real estate carries risk.
The 20 Stones — what each one does
Twenty services every business needs, in the order clients meet them. You do not need to memorize these — the Command Center guides each one — but this is your map.
Found Money
Hook: We find you money and split it 50-50.
The Door Opener — ERC, R&D, and overlooked recovery programs.
SpeedProof
Hook: Your internet provider probably isn't delivering the speed you pay for, and we can prove it.
The Service Starter — proves the engine in 90 days.
Funding Hub
Hook: AI Fund Match connects to bank underwriting desks for funding up to $10 million.
The Hook — Rapid Funding ($10k–$500k), Quivergy AI Fund Match ($100k–$10M), Unicorn Startup Funding (0% stacking up to $600k for 6–18 mo).
DSCR Real Estate
Hook: Buy a building based on its cash flow, not your personal income.
The Green Gem Payoff — asset-based property lending on debt-service-coverage ratios.
Credit Architecture
The PG Shield — build EIN credit + separate personal from business.
Debt Restructuring
Consolidate, refinance, or replace expensive capital stacks.
Net Profit Booster
Analyzes overhead + ops to lift the bottom line without new sales.
Employee Benefits
Benefit architecture, executive bonus, retention.
Advanced Tax Planning
Strategic deferral, credits, and entity engineering.
Corporate Treasury
Institutional-grade liquidity stack for the operating company.
Asset Protection
The Corporate Fortress — trusts, LLC stacks, jurisdictional shields.
Financial Advisory
Fractional CFO + balance-sheet strategy on a 24-month runway.
Web Services
A professional website built by our partner The Free Website Guys — no build fee for approved projects.
Legacy & Sovereignty
The Built-to-Sell pivot — generational stewardship + sovereign structuring.
Ministry of Reconciliation
Radiant golden sunstone — Kingdom-path stewardship (replaces the retired Switzerland slot).
Operational Consulting
Workflow + entity architecture for cross-border ops.
Compliance & Management
Continuous auditing + risk management — obsidian inside a hex shield.
M&A Matchmaking
Scaling via Acquisition — buyer/seller matching for 10× institutional exits.
AI-Ify Your Business
A-Team Automation — deploy non-human AI agents to absorb manual workload.
Cash Management
Velocity of the Dollar — treasury cadence, sweep accounts, working-capital velocity.
First — which one are you?
MetLife
Illustrative organization only · No affiliation or endorsement
Examples of the scale of organization that could evaluate white-label software — not Quivergy customers, partners, endorsers or verified integrations. Each firm keeps its own branding, compliance review, custody and advisor compensation arrangements.
Your own practice
Independent agent
- Your own Agent Office with your logo beside the Quivergy red label
- A personal signup link you can put in your advertising
- Quivergy Personal memberships for your clients at $149.99/month
- Business engagements referred to our coaching team
About 5 to 20 agents
Small agency
- One agency office with a seat for each agent
- Shared playbooks, reminders and signing links
- Payouts tracked per agent so your split is always visible
- We pre-set your payout grid from a short setup call
White label
Large agency or carrier
- Your brand in front, Quivergy red label beside it
- The company answers a short questionnaire so we pre-set payouts
- Quivergy runs as the software; your agents run the relationships
- Starts with a conversation — call Ruth at (888) 230-7172
Your first twenty minutes
- 1Open /start
Open the start page
Go to getquivergy.com/start and tap “Both” so you see the business and personal sides the way your clients will.
- 2Watch the film
Watch the movie tour
The short film shows a real-feeling company using the 20 Stones, the command center and the Family Wall — the fastest way to understand what you are offering.
- 3Create account
Create your account
Use the email your invitation was sent to so your office, action items and coaching notes load automatically.
- 4Go to the Agent Office
Open your Agent Office
Sign in to see your practice numbers, Stone playbooks, reminder drafts and your signing link. Your payout grid appears here once your agreement is signed.
- 5Try the retirement preview
Try Quivergy Personal yourself
Walk through the couples retirement preview so you can show it to a client from experience, not from a brochure.
Working a client, step by step
Six modules, in order, each one a sitting with your client. Every screen below is the real page you will have open on your computer, turned toward the client across the desk. Two ways to run every module: the client follows along on their own device, or you drive for clients who do not use computers — the steps are identical, so you cannot get lost.
If they choose Business or Both, also open the Business Wall of Peace. Work on up to four business services at a time only when each has a named key employee to carry it.
Starting out · Red
Nothing started yet. Choose one red brick.
Making progress · Green + red
Some steps completed; others still need attention.
Maintained · Gold foundation
Completed work maintained for at least one year.
Illustrative family stages, not assumptions about age or verified personal records. Each household progresses at its own pace.
Module 1
Open with the Financial Wall of Peace
First ask: would you like to focus on your personal finances, your business, or both? For Personal, begin with the family Financial Wall of Peace. Red is not started, yellow is underway, green is completed, and heavy gold is completed and maintained for at least a year.
- 1Open the wall on your screen, turned toward the client
- 2Compare a red starting wall with a partly completed wall and the maintained gold foundation
- 3Let the client name which red brick worries them most
- 4Save their wall so it is waiting next visit
Module 2
Show their Quivergy Personal home
Their own wall curves behind their household. Agree who has the time and ability to coordinate the next step: the client, their spouse, or another trusted adult. Use the family conversation scripts to discuss money with their spouse and children respectfully.
- 1Open Quivergy Personal and claim their wall — no card, no password
- 2Pick the household picture that looks like their family
- 3Choose the first block they want to work on together
- 4Explain the colors: red never touched, yellow started, green handled, gold maintained a year
Module 3
Build their Family Circle
Family Circle shares pictures and colored completion stages with consenting relatives — never net worth, balances or dollar amounts. Relatives can compare incomplete walls without learning each other’s money. Invite a coffee or dessert conversation about one red brick. That may uncover another family member’s planning needs; offer help without pressure or exposing anyone’s private finances.
- 1Explain picture-only sharing first: no net worth, account balances or dollar amounts go to relatives
- 2Pick the names from their contacts — one tap per person, no emails to type
- 3Show the QR option for inviting family right at the dinner table
- 4Offer a coffee or dessert conversation about one red brick; respect the family member’s choice to participate
Module 4
Walk through retirement decisions together
When to claim Social Security, how to choose Medicare coverage, what happens to income when one of them is gone — answered side by side, in plain language.
- 1Enter both partners’ birth dates and benefits from their SSA statements
- 2Pick what matters most: protect each other, retire sooner, or keep choices open
- 3Slide the claiming ages and watch the lifetime total move
- 4Save the preview for their private review — no decisions are executed here
Module 5
Start their Family Finance courses
Eight courses from 101 to 808, with a teacher the client designs themselves. Children’s records stay private for guardian review.
- 1Let the client design their teacher — look, voice and style
- 2Start course 101 together so the first win happens in your meeting
- 3Show the five-jars lesson for any children in the household
- 4Set the next lesson as homework before you leave
Module 6
Gather documents and connect the bank
The paperwork step. Today your client uploads their statements and documents to their private vault; read-only bank syncing arrives next — it is in final testing and never moves money.
- 1Upload the last three months of bank statements together
- 2Add insurance policies and loan documents to the vault
- 3When bank sync opens, connect read-only — no transactions, ever
- 4Confirm every document landed before the meeting ends
Which stewardship path does your client prefer?
How you get paid
The most important page before you sign anything. Read it top to bottom.
Referral Partner
Free to join
- • 10% of everything we collect from your referred client for their first 12 months
- • 10% of the fee we collect on every AI Fund Match funding you introduce
- • You introduce, then step back. We do the work
- • Not covered: life insurance, annuities, Medicare and IRA rollovers (those need a license)
Self-Study Coach
$25,000 once (franchise + self-study) + $875/month
- • 10% of every service your client uses, for the life of the client
- • 60% of delivery fees when you coach the Stones yourself
- • Full Command Center, playbooks and your own back office
- • Licensed? You keep your full carrier commissions on annuities, life and Medicare
Start 7-day trial
Card on file to start the 7 days. On day 8 we charge by bank transfer (ACH, preferred) or the card, unless you cancel or switch to financing.
✎ Edit my carrier rates
Done-With-You Partner
$249,000 for year one + $875/month
- • 10% of every service your client uses, for the life of the client
- • 25% of delivery fees. Our team runs the meetings with you
- • Built for agents growing an agency or franchise
- • Life insurance you handle entirely yourself through your own agency: you keep 100% of the commission
- • Life insurance Stuart helps you complete: you and Stuart split the commission 50/50, subject to licensing and agency rules
- • Annuity and Medicare carrier commissions remain through your own agency
- • One month before year two we ask: keep Done-With-You, or run it yourself at $875/month
Start 7-day trial
Card on file to start the 7 days. On day 8 we charge by bank transfer (ACH, preferred) or the card, unless you cancel or switch to financing.
✎ Edit my carrier ratesFinancing? Start the Credit Key application nowTerms version 2026-11-04. Your signed agreement sets your final terms. Agreements already signed keep their original terms. No earnings are guaranteed.
Financing is available during contracting
- • Larger engagements: Credit Key business financing, up to the client's Credit Key approved limit. The client applies at Credit Key, receives the funds, then pays Quivergy.
- • Smaller amounts such as the $25,000 level: pay-over-time with Klarna at checkout, subject to Klarna approval.
Suggested first four Stones for an agent reaching pastors
Up to four at a time, each owned by one person. You can be the rep on one or more of them.
- 1. Web Services
A simple website so pastors and their members can find you.
- 2. AI-Ify Your Business
AI finds pastors and churches and sends you leads.
- 3. Net Profit Booster
Lifts the bottom line of the company paying for the plan.
- 4. SpeedProof
Audits every cell phone and circuit they pay for. Starts day one because it takes a full year.
John Doyel's back office: sample commission queue
Sample · fictional clients
Sample agent John Doyel, with his pastor Jonathan Edwards and rancher Barney Rubble in the queue. This is what your first 20 sales could look like. Set your own carrier rates below and every number recalculates. Insurance commissions come from your own carrier contracts. Quivergy is not your agency of record.
Showing: Done-With-You Partner · $249,000 to start + $875/month
Life insurance commission
Fully self-handled life insurance goes through your own agency. When Stuart is involved helping complete it, you each receive 50% of the commission, subject to licensing and agency rules. Business delivery fees are separate.
Total in queue
$209,609.96
Paid
$28,030
Issued
$39,199.99
Pending
$142,379.97
By month: Nov $63,209.99 · Dec $86,379.98 · Jan $60,019.99
| # | Client | Sale | Status | You earn |
|---|---|---|---|---|
| 1 | Jonathan Edwards (pastor) | $100,000 annuity | Paid | $7,000 |
| 2 | Barney Rubble (rancher) | $500,000 annuity | Issued | $35,000 |
| 3 | Dr. Miriam Lowe | $1,000,000 annuity | Pending | $70,000 |
| 4 | Jonathan Edwards (pastor) | Life policy · $6,000 first-year premium | Paid | $6,000 |
| 5 | Barney Rubble (rancher) | Life policy · $12,000 first-year premium | Pending | $12,000 |
| 6 | Walter Price | Medicare Supplement · $2,400/yr | Paid | $480 |
| 7 | June Alvarez | Medicare Supplement · $2,100/yr | Issued | $420 |
| 8 | Ray & Lois Kim | Medicare Supplement · $2,700/yr | Pending | $540 |
| 9 | Brightline Plumbing | Fund Match · $40,000 fee collected | Paid | $4,000 |
| 10 | Barney Rubble (rancher) | Fund Match · $10M land loan, $400,000 fee | Pending | $40,000 |
| 11 | Brightline Plumbing | AI-Ify service | Paid | $1,800 |
| 12 | Oak Street Realty | AI-Ify service (1 of 3 stacked) | Issued | $1,800 |
| 13 | Oak Street Realty | AI-Ify service (2 of 3 stacked) | Issued | $1,800 |
| 14 | Oak Street Realty | AI-Ify service (3 of 3 stacked) | Pending | $1,800 |
| 15 | Summit Dental Group | Business engagement · $25,000 retainer | Paid | $8,750incl. $6,250 delivery |
| 16 | Grace Fellowship (Jonathan Edwards) | Business engagement · 2% of $2.5M revenue | Pending | $17,500incl. $12,500 delivery |
| 17 | Jonathan Edwards (pastor) | Quivergy Personal · 12 months | Issued | $179.99 |
| 18 | Walter Price | Quivergy Personal · 12 months | Pending | $179.99 |
| 19 | June Alvarez | Quivergy Personal · 12 months | Pending | $179.99 |
| 20 | Ray & Lois Kim | Quivergy Personal · 12 months | Pending | $179.99 |
Illustration only, not a guarantee. Annuity, life and Medicare amounts use the rates you enter and need your own license. Everything else uses the 10% share of what Quivergy collects (first 12 months for Referral Partners, life of the client for paid plans), plus the delivery share on Business engagements you coach.
Two sample clients, three years
Sample · fictional clientsSample agent John Doyel's pastor and one of the church's donors, each with their own coaching room. Numbers come from the same calculators clients use on the site.
Pastor Jonathan Edwards, Grace Fellowship
Church with 50 employees, about $2.5M a year
Client keeps over 3 years
- Company keeps from Net Profit Booster$54,000
- Employees take home (about $100 every paycheck)$390,000
- Company keeps from SpeedProof$27,000
- Total$471,000
John's commissions
- Business engagement (2% of revenue)$15,000
- Net Profit Booster, 50 employees$9,300
- SpeedProof found money (our half)$2,700
- Quivergy Personal membership$539.96
- 10% of Quivergy services, 3 years$27,539.96
- Pastor and wife: $100,000 annuity · 7%$7,000.00
- Life policy, $5,000 first-year premium · 100%$5,000
- John earns$39,539.96
Quivergy collects $275,399.64 over 3 years from this client.
Barney Rubble, Rubble Cattle Co.
Church donor, 109 employees, about $50M a year
Client keeps over 3 years
- Company keeps from Net Profit Booster$117,720
- Employees take home (about $100 every paycheck)$850,200
- Company keeps from SpeedProof$72,000
- Total$1,039,920
John's commissions
- Business engagement (2% of revenue)$300,000
- Net Profit Booster, 109 employees$20,274
- SpeedProof found money (our half)$7,200
- Quivergy Personal membership$539.96
- AI Fund Match: $10M to expand and buy land (once)$40,000
- 10% of Quivergy services, 3 years$368,013.96
- $500,000 annuity with death benefit rider · 7%$35,000
- Life policy, $20,000 first-year premium · 100%$20,000
- John earns$423,013.96
Quivergy collects $3,680,139.64 over 3 years from this client.
Illustration only, not a guarantee. Net Profit Booster uses about $720 company savings and $2,600 extra take-home per employee per year. SpeedProof assumes recoverable phone and internet waste of $1,500/month (church) and $4,000/month (ranch), split 50/50. Funding fee uses 10/8/6/4/2. Insurance uses your carrier rates and needs your license.
Agent Academy
Start the AcademySeven short narrated lessons, each followed by a hands-on practice and a three-question quiz. It ends with a live "Onboard a New Client" guide you can follow on a screen-share.
What your clients pay
Quivergy Personal
$149.99/month per household. Family finance courses, the Financial Wall of Peace, retirement and lump-sum planning, and the Family Circle. A business can also pay it as an employee benefit.
Quivergy Business
Annual access retainer — $25,000 minimum, or 2% of gross revenue above $1.25M. The optional money-back guarantee arms when the company funds one third of the projected annual savings from Found Money, Net Profit Booster and SpeedProof. Advanced Tax is a later phase and is not part of the guarantee.
Illustrative annual engagement-pricing example, not a quote, offer, guarantee, or fee calculation of record.
Engagement pricing and remedies are governed only by the signed agreement. Illustrative calculations are not savings determinations, recovery estimates, guarantees, investment advice, tax advice, or promises of any particular result. No funds are held in trust or escrow by Quivergy or STL Professional Services International, LLC through this pricing display.
For RIAs, fee-based advisors and private family offices
The $149.99/month Personal membership is not a billion-dollar family-office engagement. A household’s total net worth, an advisor’s total assets under management (AUM), and qualifying liquid assets for a specific Household Office illustration are three different numbers. A $300 million ranch valuation is not automatically $300 million of qualifying liquid assets.
Existing Household Office illustration — not your RIA’s software fee
$25,000 annual coordination retainer, plus marginal stewardship bands on qualifying liquid assets. Each band applies only to the assets within that band, not the entire balance. This schedule remains subject to legal review and a separate written agreement; it does not establish an approved investment-management service.
- first $1M1.25%
- next $4M0.9%
- next $5M0.65%
- above $10M0.5%
| Qualifying assets | Annual stewardship | Annual retainer | Illustrative annual total |
|---|---|---|---|
| $200,000,000 | $1,031,000 | $25,000 | $1,056,000 |
| $300,000,000 | $1,531,000 | $25,000 | $1,556,000 |
| $1,000,000,000 | $5,031,000 | $25,000 | $5,056,000 |
| $5,000,000,000 | $25,031,000 | $25,000 | $25,056,000 |
Illustrative planning information only, not a quote, offer, recommendation, investment-advisory agreement, or promise of performance. Quivergy does not select, purchase, sell, trade, or reallocate securities. Any investment-related service, referral, compensation arrangement, or stewardship fee requires separate review and a written agreement with appropriately licensed parties.
Who holds the money, who bills, and what Quivergy earns
- Client assets: remain with the client’s authorized custodian, carrier or broker-dealer under the advisor’s actual arrangements. Do not transfer investment assets to Quivergy. Quivergy is software and organizational workflows, not a custodian or trading authority.
- Advisor fee: the properly licensed advisor or firm sets and collects its own approved fee under its client agreement. CFP certification alone does not establish registration, custody or permission to charge an AUM fee.
- Quivergy platform fee: an RIA or white-label organization needs a separate software agreement covering seats, services, billing and any asset-based platform charge. No approved RIA platform basis-point rate or advisor fee split is established here. Do not apply the Household Office schedule to an RIA’s entire book or promise Quivergy a percentage of its AUM.
- Family-office work: coordinate the family’s education, records, planning questions and professional team. An individual household engagement and a firm-wide software license are separate scopes; any fee sharing needs firm and regulatory review.
Ready when you are
Questions about seats, white label or payouts? Call Ruth at (888) 230-7172 and we will walk you through it live.