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Pricing Captive Agents

Big decisions deserve better than a gut feeling.

You already know what you want to do next. What you need is someone to tell you whether the numbers agree. We close your books every month and pair them with an advisor who’s seen hundreds of agencies like yours, so hiring, comp, and tax decisions get made on numbers instead of a hunch.

  • 1,000+ insurance agencies on our books
  • Monthly financials, not a year-end scramble
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Captive Agents Independent Agents Youth Sports Organizations

Your bookkeeper gets you through tax season. Who gets you through the year?

You shouldn't need a finance degree to understand your own agency. Here's who answers each of these on our memberships.

"I wrote more premium this year. Why did I take home less?"

Commission, payroll, and owner draw pulled apart month by month, so you see where the margin went.

Answered by your accountant · Transactional and up

"Can I afford a second producer, and when?"

A cash forecast built on your actual close rates and comp plan, not a rule of thumb from a Facebook group.

Answered by your advisor · CFO and up

"How much should I be paying myself?"

Reasonable comp, S-corp election, and distributions modeled against your tax picture, every year, not just at filing.

Answered by your advisor and our tax team · CFO and up

Every membership closes your books monthly and puts a person on the phone. What changes is how far ahead they’re planning with you.

AI Books

Books kept, tax-ready year end

Best for: Small businesses on a tight budget that only need the books kept and a tax-ready year end. No accountant, no advice.

$99 /month

Up to $50,000 in monthly expenses

Learn more about AI Books Talk to Sales

What's included

  • Cash-basis bookkeeping from your bank and card activity
  • Chart of accounts built for insurance agencies, commission and override income kept clean
  • AI categorizes and reconciles; edge cases get flagged, not guessed
  • Unlimited AI chat on your own numbers
  • Year-end financials delivered to the Club Capital team preparing your return
  • Email access to a US-based senior accountant for general questions

Month to month. No review by our team is included; a senior accountant is available at $150/hour, quoted before we start. Most agency owners we talk to belong in Transactional or CFO.

Transactional

Monthly Financial Clarity

Best for: Agents who need clean financials and reliable reporting, without building spreadsheets yourself.

Starting at $299 /month

Quarterly advisory sessions · $399 bi-monthly · $499 monthly

Talk to Sales

You'll always know

  • Where your agency stands
  • Whether you’re profitable
  • What your numbers actually mean

Every membership includes

  • Commission revenue properly tracked and recognized
  • Financial reports delivered on time every month
  • Industry benchmarking against other agencies
  • A dedicated Account Manager who knows your business
  • KPI dashboards showing the metrics that drive growth
  • Payroll integrations with Gusto & ADP
Most agencies choose this

CFO

Strategic Financial Advisory

Best for: Owners who want decisions backed by data and experience, not gut instincts.

Starting at $799 /month

Monthly advisory sessions standard

Talk to Sales

Everything in Transactional, plus we help you

  • Forecast growth
  • Model hiring decisions
  • Manage cash flow
  • Plan for major business decisions

So you can grow confidently and profitably.

Enterprise CFO

Executive-Level Financial Partnership

Best for: Owners running larger or fast-growing agencies who want deeper financial leadership guiding the business.

Starting at $1,250 /month

Weekly advisory sessions standard

Talk to Sales

Everything in CFO, plus we help you

  • Review financial performance weekly
  • Pressure-test major business decisions
  • Optimize profitability and operations
  • Model hiring, expansion, and growth

So you can scale your agency with clarity, confidence, and financial discipline.

Starting prices shown are for agencies under $50K in monthly business expenses (Tier 1, 3 bank accounts or cards included). Higher expense tiers add volume and complexity, and we confirm yours on the call.

Need end-of-year tax prep, filing, planning or compliance?

See more →

Compare memberships

The books get closed every month on every membership. What changes is who's looking at them with you, and how far ahead you're planning.

What you get AI Books Transactional CFO Enterprise CFO
Every membership
Commission revenue tracked and recognized Included Included Included Included
Accounting basis Cash Cash Cash Cash
Financial reports delivered every month Not included Included Included Included
Dedicated Account Manager who knows your business Not included Included Included Included
Industry benchmarking against other agencies Not included Included Included Included
KPI dashboards Not included Included Included Included
Payroll integrations with Gusto & ADP Not included Included Included Included
Advisory sessions
Advisory sessions Not included Monthly, bi-monthly, or quarterly Monthly Weekly
Forecast growth Not included Not included Included Included
Model hiring decisions Not included Not included Included Included
Manage cash flow Not included Not included Included Included
Plan for major business decisions Not included Not included Included Included
Weekly financial performance review Not included Not included Not included Included
Pressure-test major business decisions Not included Not included Not included Included
Optimize profitability and operations Not included Not included Not included Included
Model hiring, expansion, and growth Not included Not included Not included Included
Tax and support
Tax-ready year end Included Included Included Included
Support In-app messaging + email Phone + email Priority Priority

We're not a bookkeeper. We're an advisory firm that also keeps the books.

Clean books are the starting point, not the service. The software categorizes and reconciles; the people close the month, sign off, and tell you what the numbers mean for the decision in front of you.

A bookkeeper

  • Does the books once a year, for the tax return
  • No monthly financials to run the agency from
  • Nobody advising you around the numbers

Traditional accounting firm

  • Accurate, eventually
  • Books closed weeks after the month ends
  • Talks to you once a year, at tax time

Club Capital

  • Books closed and reviewed every month
  • An advisor who has seen hundreds of agencies like yours
  • Tax planning all year, not just at filing

Which membership do agency owners like you pick?

Newer or smaller agency

A producer or two, commissions to reconcile, and a year-end you'd like to stop dreading. You want a person who knows your numbers and picks up the phone.

Transactional

Running an established agency

You have staff, hiring and comp decisions coming up, and questions about how you pay yourself. You want the decision checked against the numbers before you commit.

CFO

Building something bigger

Multiple locations or entities, a buy or a sale on the horizon, lenders or a board to report to. You need a finance leader, part-time.

Enterprise CFO

Questions people ask before they choose

Why "starting at" instead of a fixed price?

Your price is set by your average monthly business expenses. As an agency grows, so do the transactions, vendors, payroll, and accounts we manage, and each expense tier reflects that added work. The starting prices shown are Tier 1 (under $50K a month); we confirm your tier on a 15-minute call so you’re not paying for work your agency doesn’t generate.

What do I actually have to do each month?

Connect your bank, credit card, and payroll once during onboarding. After that, answer the handful of questions we send you about transactions we can’t place, usually a five-minute email. Everything else is on us.

Do you have a cheaper, AI-only option?

Yes. AI Books is for small businesses on a tight budget: it keeps the books and produces a tax-ready year end, with no accountant and no advice. A senior accountant is available at $150 an hour when you want one, and when you’re ready for a membership, we’ll move you up.

Do I have to move off QuickBooks?

We migrate you onto our platform as part of onboarding and keep your history. You keep access to your data.

What does onboarding look like?

A kickoff call, secure access to your bank and payroll, and a catch-up on any months behind. Most agencies see their first clean close within the first 30 days.

Is tax preparation included?

Every membership includes a tax-ready year end. Tax prep, filing, planning and compliance are a separate service. See tax pricing →

Take 15 minutes. Leave with a number.

We'll look at your agency's activity, tell you honestly which membership we'd put you on, and quote it on the call.

Book a Consultation