Gifting
An agent pays for a prospect's first months of Wellthplan up front. The prospect gets a claim link and a plan that starts the day they sign up — no card, no trial countdown.
Gifting is an agent action on a contact, in the mobile Advisor Portal and the web Agent Portal alike. It is the paid sibling of the plain email invite: same contact, same unique link mechanics (see Invite Links), but the recipient lands on a plan that's already covered.
No screenshots yet: capturing the flow needs an agent account with a Stripe test card, which the docs capture account doesn't have.
The tiers
Three, priced live from the same Stripe prices consumers pay:
| Tier | List price | Agent pays | Why |
|---|---|---|---|
| 3 months | 3 × monthly | list − $15 | |
| 6 months | 6 × monthly | list − $30 | |
| 12 months | the annual price | list − $50 | tagged Best value |
There is no 1-month tier — the free trial already covers "try it for a month." The discount is exactly the commission the agent would have earned on those months ($5 per monthly invoice, $50 on annual). Gifted time pays no commission, so the agent gets it back as a discount instead of a payout. The list price is shown crossed off next to what they actually pay.
Buying one
From a contact's page, Gift — the contact needs an email address, since that's where the claim goes; the button is disabled without one.
In the app, a full bottom sheet: the three tier cards, an optional personal note (280 characters, it rides along in the gift email), a "Sends to {email}" line, the terms in small print, and a pinned summary + Pay bar that runs the same in-app payment sheet the consumer paywall uses, charging the agent's own card.
On the web, a dialog with the same tiers and note, Continue to payment, then a Stripe card form with the tier and price pinned above it — Pay $X — and a back link to change the tier. If the page is interrupted after paying (a bank redirect, a closed tab), reopening Contacts resumes and finishes the gift; the dialog says "Payment received — finishing up..." and offers Try again if the last step stalls. The charge is never lost: a gift that was paid but not finished completes on its own within moments.
The small print, on both surfaces: Charged today, no auto-renewal. The claim link is good for a year. No refunds. Commissions are not earned on gifted time but upon the recipient's renewal.
Guardrails: a contact who already has a live Wellthplan subscription can't be gifted (the purchase is refused up front rather than after payment), and one gift can be out per contact at a time — starting a new purchase quietly replaces an earlier one that was never paid for.
After paying
The agent's side flips immediately: a Gift sent confirmation with Copy link and Share (to text the claim link themselves — the mobile app shows the native share sheet), the contact's capsule reads Gift Sent, and the Gift button becomes Gift link (copies the claim link) until the recipient claims, then Gifted. The contact's footnote / activity line tracks it: "You gifted 6 months · waiting to be claimed", then "· claimed Mar 3".
The recipient gets an email — "{Agent} gifted you N months of Wellthplan" — with the note if there was one and a single claim button. The link stays good for a year: it's paid for, so it doesn't lapse like a sales nudge.
Claiming
The claim link opens the web sign-up wearing the gift: a chip with the agent's name and firm ("Gifted you 6 months, expires Sep 23, 2027"), the headline "Your first 6 months are already paid for." (or "Your first year…" for 12), the value ("6 months included — a $120 value"), and two reassurances — Your plan and numbers stay private from {Agent} and Cancelable any time; nothing auto-renews. The create-account options are the standard ones, and someone with an existing Wellthplan account can sign in instead.
Sign-up proceeds normally — see Sign-up — with one difference: when the plan is created, the prepaid months are granted on the spot. No card is asked for, the trial-countdown language is gone, and the subscribe step's paywall never appears. The recipient still walks the rest of setup (accounts, income, budget) before landing in the app, because a gift buys access, not a finished plan.
Two edge cases the recipient never has to think about. If the link is opened before a plan exists (mid-sign-up), the claim simply waits and is applied the moment the plan is created. And if the recipient is already subscribed or trialing on their own, the gift isn't stacked or lost — it stays paid and the link stays live, claimable once that subscription lapses. Either way it's prepaid, so it never silently dies.
While the gift runs
To the recipient, the plan is simply a member's plan: full access, the end date as the current period end, no card on file, and nothing that renews on its own. There is no gift-specific treatment in the app's Subscription page yet — the membership reads as active through the end date.
At the end date access lapses like an expired trial: the plan and its data stay, and the paywall returns. If they subscribe on their own, the agent who gifted them starts earning the normal commission from the first invoice they pay, credited through the same link.
Refunds and the ledger
Gifts are sold as non-refundable, but a refund issued in Stripe (a dispute, a support exception) is honored: the gift is marked refunded and its claim link dies — a recipient who hasn't claimed yet sees the "no longer active" dead end. Months already granted are not clawed back.
Nothing about a gift appears in the agent's payout statement. The forgone commission was the discount at checkout; the ledger starts counting when the recipient pays their own first invoice.