Aspida360

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Sign up and Training Questions:

Is A+LIFE easy to implement?

Our platform is built to be simple for advisors and HNW prospects to use.

For advisors, the platform layers on top of your existing business model. No changes. It is easy to follow and provides customized prospecting materials to generate new HNW clients. For both advisors and clients, our original tactics are self-explanatory, guided and mobile optimized for convenience.  The entire platform is implemented from a singular dashboard for advisors and clients alike.   A+LIFE was designed to be simple, elegant and effective.

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Do I need to change my existing business model at all?

No. A+LIFE is designed to layer on top of your existing business model with no changes needed. The MTM Vault is always available and everything advisors/clients need to progress through the platform. As a result, The MTM Vault is the singular portal to implement A+LIFE for advisors and clients. This means it’s a “stand-alone” platform that is easy to access . It is an expansion of your core business without any disruption. Available when you want it, in the background when you do not.

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How much of a time commitment is A+LIFE?

About 80% of A+LIFE is completed by the client and your support staff. The client tactics are guided for easy completion while support staff has step-by-step instructions always available. The A+LIFE Support staff is also available as needed. You are the primary advisor charged with communicating how the families A+LIFE decisions will affect current asset protection, estate planning, financial planning, lifestyle and tax structures. You are The Quarterback. You are the More Than Money advisor that oversees the integration of these assets into the families professional planning wit your clients’ existing team of advisors. In addition, an opportunity is created to develop a referral relationship as you will be communicating with the families team of advisors.

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How can I complete training?

It’s up to you. You could sign up now and be viewing your first training webinar in 10 minutes. Self-study as you desire thereafter. The aggregate time to view every training webinar is 1:45 minutes. You may also schedule a live training webinar. Email your A+LIFE Support Team to request a live training session with one of us. Even more, you can do both! And again, you will enjoy continued email and phone support as needed.

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Can I sign up online?

Absolutely. Simply click on “subscribe” and follow the prompts. After gathering some information and a little legalese, you will process your first payment. Once made, you immediately receive your login credentials to the More Than Money (MTM) Vault (www.mtmvault.com). Once logged in, you can upload your picture, change your security question and begin your on-demand training right away.

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Logistical Questions:

How is A+LIFE “compliance-friendly” (If Applicable)?

Multiple broker-dealers have quickly approved A+LIFE. Their determinations were strikingly similar: A+LIFE does not provide “financial advice”. This platform is NOT eMoney or Money Guide Pro. We are NOT a tax or estate planning document software.  Those platforms address the financial wealth, taxes and estate documents. A+LIFE addresses the More Than Money (MTM) wealth. We provide a PDF with the entire platform that, upon sign up and notification, will be emailed directly to the appropriate compliance contact person. A member of the Aspida360 team will be available for phone calls and emails as they may arise with your compliance department. Obviously, we cannot guarantee compliance approval, but we have 100% success rate so far.

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Once a subscriber, what level of support should I expect?

Responsive, email support from 9AM EST to 3PM EST, Monday through Friday. Holidays excluded. Most responses occur within a few hours. Experience has taught us that most questions are minor and can be properly answered via email. If more beneficial, phone support is available. Please email the support team from your Advisor Dashboard requesting phone support.

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What happens to my client’s information if I terminate my agreement with Aspida360?

Your clients will always be able to view saved materials in The MTM Vault. They will be unable to add any additional upload, materials or submissions. No fee is charged to your client for “view-only” access.

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Development, Marketing and Sales Questions:

Define More Than Money (MTM)?

Research and experience have taught us that 77% of families believe their net worth is far more than their financial balance sheet. Legacy, life experiences, philanthropy, family traditions are valuable to most families. More Than Money (MTM) assets are the intangible assets a family holds dear. The A+LIFE platform provides the technology to define, protect, share, integrate and perpetuate a families’ More Than Money (MTM) assets while mitigating the high rate of wealth-transfer failure.

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Why was A+LIFE Created?

The professional advisory industry is defined by products and services. The professional planning strategies each advisor implements are far more similar than different. We are all, for the most part, lumped together.

There has to be a better way. In our commoditized and highly regulated industry, creating differentiation from our competitors is a truly daunting task. In addition, we all want a practice that consists of our best “A+” clients, and most of us would like to be the primary trusted advisor to these clients.

The A+LIFE Family Pentagon was created to provide successful advisors with the opportunity to differentiate your business and increase its value, while positioning yourself as the HNW prospect’s primary advisor. Now the question becomes what do the A+LIFE families need? Our extensive research and accelerated training answers this valuable question.

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How was A+LIFE Created?

Since the culmination financial events of 2008, we initiated continuous primary and secondary research to define, in detail, the concerns of the A+LIFE Family. A+LIFE families are constantly consulted and our secondary research sources include:

  • Harvard
  • Wharton Business School
  • Princeton
  • Rus Alan Prince
  • The New York Times

The above list represents a sampling of the sources relied upon in our research. The A+LIFE Family Pentagon platform and tactics were built on this very research. We discovered the primary financial concerns of an A+LIFE family are not being addressed by financial advisors. As our research uncovered the needs of these clients, we constructed a tactic or an entire section of the pentagon specifically addressing their concerns. The end result is a platform your HNW prospect is seeking and you can now offer.

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What target market was A+LIFE designed for?

A+LIFE was designed a mitigate the real and perceived concerns of the high net worth (HNW) family. Early in our research and development, we learned HNW is defined differently at various research institutes. Many define HNW as $1,000,000 of investable assets while others define it as $3,000,000 of total net worth. A few define HNW as $5,000,000 of total net worth. Our experience now shows that families with $1,000,000 of investable assets will have an interest in A+LIFE. This also why we developed three levels of A+LIFE: Basic, Advanced, and Elite. Generally, Basic will serve families from 1M to 10M. Advanced will serve 10M to 25M families. Elite will serve families with a net worth over 25M. As a member, you will have access to all three levels to grow the net worth of your client base.

In addition, we researched in detail the nine personalities of the HNW. We discovered three would not be interested in A+LIFE at all. The remaining six, totaling 67% of the HNW market, are interested in a platform like A+LIFE. Finally, the largest percentage of HNW personalities are “The Family Steward” representing 34% of the HNW market. The Family Steward values the well-being and future of its family first and foremost.

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Can A+LIFE serve as its own brand?

Yes. A+LIFE is a turn-key brand providing multiple marketing and collateral materials with a well-defined target market. Logos, tag lines, two customized client brochures, two power point presentations and a client video are all provided when you sign up. In addition, Aspida360 has several forms of intellectual property filed with the United States Patent and Trademark Office.

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Features and Benefits Questions:

How many families can I sign up?

As many as you want. The $495 monthly fee will stay the same. Aspida360 wants A+LIFE to be a profit center for you. We do not and will not participate in a nickel, dime or penny of your client fees generated. They are all yours. Simply pay our monthly fee, leverage your customized marketing/prospecting materials and grow your business.

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How will A+LIFE help me scale my core business?

A+LIFE is a multi-disciplinary, comprehensive platform. The integration of families More Than Money (MTM) assets into their professional plans will generate opportunities in multiple disciplines. Tax, financial, insurance and multiple areas of the law are all addressed as families progress through the A+LIFE platform. In the end, new opportunities are created for your core business. Meanwhile, your clients are paying a fee for implementation of A+LIFE and the value it provides them.

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How will A+LIFE differentiate my business?

“61% (of HNW Individuals) rate legacy development as their top financial advice need.” New Retirement Mindscape, 2006

A+LIFE Family Pentagon advisors will offer a platform that addresses and integrates each of the A+LIFE prospect’s primary concerns:

  • Asset Protection,
  • Legacy Development
  • Investments
  • Family Protection
  • Experiences of Value

The addition of the A+LIFE Family Pentagon will allow our advisors to offer a planning solution formerly not available in our industry.

A+LIFE is unique in its ability to assist clients in identifying and improving aspects of their net worth they do not currently have the ability to address. A+LIFE differentiates businesses by offering a platform to define, transfer and help protect the values of Legacy and Experience, while enhancing the more traditional aspects of financial planning.

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How will A+LIFE increase my residual revenues?

A+LIFE provides a unique value to our families. Please see the below list of twelve ways A+LIFE, and you, provide value to your clients. In exchange for this value, it is suggested you charge families a fee for implementation of A+LIFE. You are responsible for adhering to and all local, state, regulatory and federal laws/rules if/when charging a fee. Aspida360 is not responsible.

  • Mitigate the high risk of estate plan failure.
  • Strengthen family governance.
  • Improve existing professional plans.
  • Expand asset protection.
  • Achieve added clarity to philanthropic goals.
  • Improve formal family meetings with more structure and meaningful content.
  • Incentivize specific and purposeful behaviors from benefactors.
  • Reduce resentment when loaning or granting money to family members.
  • Purposefully prepare benefactors to handle an inheritance and encourage responsible entrepreneurship.
  • Increase meaningful communication with benefactors and trusted advisors.
  • Easily align all existing advisors.
  • Realize a deeper awareness of family legacy and how to perpetuate it.

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How will A+LIFE help me develop meaningful multi-generational relationships?

Aspida360 developed twenty-two tools and tactics with nine also being completed by the next generation. As they complete various tactics, we encourage you to communicate directly with them to develop a relationship. The subject matter of A+LIFE can be personal, but is a natural element of the platform. This provides the opportunity to “bond” and get to really know the next generation of the family. In addition, our research and development showed that the next generation feels dictated to and seeks to have a voice in the vision and future of the family. A+LIFE provides this voice for the next generation. Bring this to their attention. Most want to hear it. Finally, A+LIFE is specifically designed to perform beautifully on a mobile phone with text/email alerts making it a part of their everyday life.

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How will A+LIFE help me grow my number of referral sources?

As discussed in the “time commitment” question above, you will serve as the primary advisor for the implementation of A+LIFE. Lawyers, accountants, financial advisors, insurance professionals and family office advisors will need communication and leadership from you. This allows you to build credibility and a productive working relationship with your clients’ existing team of advisors. You will already have a client in common and will have an opportunity to develop a new referral source. In conversation, discuss your core business and A+LIFE as the latter will differentiate you from your competitors. Not many advisors have an A+LIFE/More Than Money (MTM) platform, leverage this to your advantage to grow your number of referral sources and core business.

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