Transparent pricing.
No per-lead fees.

Your cost is fixed and predictable. No bidding wars, no hidden charges. Build a model below and see what the math looks like for your practice.

One subscription.
Everything included.

Both plans include full access to the Engagement Engine, your prospect pipeline, and the algorithmic backfill guarantee.

Monthly
$910/mo
Billed monthly · Cancel anytime
+ $250 one-time (Enhanced Support)
  • Full Engagement Engine access (3 AI credits/day)
  • Prospect pipeline - 2 meetings/month benchmark
  • Algorithmic backfill guarantee
  • SOC 2 compliant platform
  • Background-checked advisor community
  • Rolling monthly - cancel anytime

Enhanced Support is added by default for a $250 one-time fee

Dedicated account manager, guided onboarding, 4 strategy meetings/year, and expedited support - everything you need to start strong.

Get Started
Enterprise
Custom
Starting at $5,000/month
  • For teams managing multiple advisors
  • Dedicated account team
  • Custom reporting and analytics
  • Priority integrations
  • Volume pricing
  • Custom SLA and compliance support
Contact Sales

A standard background check runs post-payment. Full refund if any issues arise. Questions? Book a call with Matt.

Build your own model

Adjust the inputs below to match your practice. See how the subscription cost stacks up against what you can realistically earn over time.

Your assumptions

Opportunities per month2
1/mo5/mo
Client conversion rate25%
10%100%
Average client AUM$400K
$100K$1M
Advisory fee rate1.0%
0.5%2.0%
Subscription plan

Annual projection

New clients per year6
New annual revenue (Year 1)$24,000
Habits fees (Year 1)$8,400
Net Year 1$15,600

Cumulative projection (6 years)

Annual revenue by Year 3$72,000/yr
Total Habits fees (6 years)$50,400
Total profit (6 years)$453,600

Return on investment

6-year ROI multiple10.0x

At these inputs: $453,600 in total profit after $50,400 in Habits fees over 6 years.

This is a theoretical model and not a guarantee of outcomes. It assumes no asset appreciation, no referrals from acquired clients, and constant inputs over the projection period. Actual results will vary. Habits subscription pricing is subject to change.

Why your cost model matters more than your lead count

The question isn't how many leads you get. It's how much each converted client costs you, and what happens to your economics over time.

Pay-Per-Lead Model

Effectively a cold call.

Pay-per-lead platforms like SmartAsset capture a prospect's details and share them with 5+ advisors at once. Many times, the person on the other end doesn't remember signing up - or doesn't know they did. If you're the fifth advisor calling someone that afternoon about something they didn't intentionally inquire about, that's an almost impossible conversation to win. Sub-1% conversion rates are the result.

Annual cost$12,500+
Monthly leads40+ (shared with 5+ advisors)
Conversion rate<1%
Average client age~59.5
Cost scales withVolume, not results
Habits Subscription Model

Fixed cost. Compounding upside.

Every Habits prospect has actively come to the platform looking for a financial advisor. They know what they signed up for and why they requested the introduction. Your subscription cost is the same every month whether you convert 2 clients or 20 - every additional client is pure margin.

Annual cost$8,400
Monthly opportunities2.6 (matched)
Conversion rate27.8%
Average client age34.5
Cost scales withNothing - it's flat
SmartAsset
$12,500
Spent annually for 480+ leads, ~4 clients converted at <1%
vs.
Habits
$8,400
Spent annually for 31 matched opportunities, ~6 clients converted at 27.8%

Scenario assumes default calculator inputs: 2 meetings/month, 25% conversion, $400K AUM. SmartAsset figures based on publicly reported advisor pricing and platform conversion estimates.

Your first 90 days matter most

How well your profile is configured and how effectively you use the Engagement Engine determines the quality of your matches. Enhanced Support makes sure you start strong.

Guided onboarding call

A dedicated 30-45 minute session with your account manager covering profile optimisation, matchmaking criteria setup, and a full Engagement Engine walkthrough. You'll also review what top-performing advisors on the platform are doing differently.

4 strategy meetings per year

Quarterly check-ins to review your results, refine your criteria, discuss what's working, and plan the quarter ahead. Your account manager knows your practice - not a generic support rep.

Expedited response times

Priority support queue for any platform questions, matching issues, or Engagement Engine guidance. When you have a prospect in your pipeline, waiting isn't an option.

Dedicated account manager

A named person who knows your practice, your target client criteria, and your goals. Not a ticket system - a real relationship with someone invested in your success on the platform.

Included free with Annual. $250 one-time with Monthly.

Annual subscribers get everything above at no extra cost. Monthly subscribers can add it at any point during their subscription.

Pricing questions, answered

Everything you need to know before committing. If something isn't covered here, book a call and we'll walk you through it.

Yes. Contact the team at any point and we'll help you switch. There's no penalty for upgrading, and if you purchased Enhanced Support on the monthly plan, we'll even credit you the $250 one-time fee when switching.

Monthly subscribers can cancel anytime - no questions asked, no cancellation fees. Annual subscribers are on a 12-month commitment. If you have specific circumstances, reach out to the team and we'll work with you.

No. Your subscription cost is your total cost. There are no per-lead fees, no setup fees, and no onboarding fees. The only optional add-on is Enhanced Support for Monthly subscribers at $250 one-time - which is included free with Annual.

A standard background check is run post-payment, typically completed within 48 hours. This is a quality commitment to our consumer community - every advisor on the platform has been verified. If any issues arise from the check, you'll receive a full refund, no questions asked.

Yes. Enhanced Support is available as a $250 one-time add-on at any point during your Monthly subscription. You don't need to add it on day one, but we do recommend it - the onboarding call alone typically pays for itself in better match quality within the first month.

Enterprise is for larger teams managing multiple advisors, typically at RIA firms or independent broker-dealers. Pricing is custom based on team size and requirements, with a minimum of $5,000/month. Contact matt@usehabits.com or book a call to discuss your situation.

SmartAsset's AdvisorMatch Pro (AMP) typically costs advisors in the range of $10,000-$15,000+ per year depending on geography and volume, operating on a pay-per-lead basis. Leads are shared with multiple advisors simultaneously, and industry-reported conversion rates are generally below 1%. Habits charges $8,400/year (Annual plan) with no per-lead fees and a 27.8% client conversion rate.

Yes, Habits is SOC 2 Type II certified. This means our security controls, data handling practices, and operational processes have been independently audited. For full compliance documentation and details on how consumer and advisor data is handled, visit our compliance page.

Two new clients
pays for the whole year.

At $400K average AUM and a 1% fee rate, two new clients generates $8,000 in annual revenue. That's your subscription paid. Everything after that is upside.