A ReCapture Financial Program

Already Building Monthly Residual Income? Give It a Long-Term Direction.

AdvisorReady™ is a ReCapture Financial ERA feature for active MiddleBanking™ 1.0 clients who already own an active cash value life insurance policy and want to direct Monthly Residual Income toward that existing long-term strategy.

Your Expense Residual Income Account (ERA) is powered by MiddleBanking™ 1.0—the household bill-pay and money-management system ReCapture uses to organize your scheduled bill-pay deposits, manage participating household expenses, pay those bills according to your plan, and establish your Monthly Residual Income.

AdvisorReady™ does not create your Monthly Residual Income. Your active ERA and MiddleBanking™ 1.0 relationship do that. AdvisorReady™ gives you a place to direct that income—toward the cash value side of your existing policy strategy.

✓ Maintain an active Expense Residual Income Account.

✓ Use MiddleBanking™ 1.0 for your participating household bills.

✓ Direct Monthly Residual Income toward your existing cash value strategy.

Start AdvisorReady™ Review See MiddleBanking™ 1.0

Couple preparing for a long-term financial planning discussion

AdvisorReady™

Your ERA Creates the Income. AdvisorReady™ Gives It Direction.

AdvisorReady™ is a ReCapture Financial feature for active ERA clients who already own an active cash value life insurance policy. Your ERA and MiddleBanking™ 1.0 establish your Monthly Residual Income; AdvisorReady™ gives that income a long-term destination.

Start at ReCapture Financial

AdvisorReady™ Begins with an Active Expense Residual Income Account.

AdvisorReady™ does not begin with buying insurance. It begins after your ERA is active, MiddleBanking™ 1.0 is managing your participating household expenses, and you already own an active cash value life insurance policy.

What is an ERA?

Your Expense Residual Income Account is the ReCapture Financial account used to organize, manage, pay, and track participating household bills and personal expenses through MiddleBanking™ 1.0 while establishing your Monthly Residual Income.

You make scheduled bill-pay deposits into your ERA. ReCapture organizes those deposits around the participating bills and expenses coming due and manages the payment schedule from there.

Where does AdvisorReady™ fit?

Your active ERA and MiddleBanking™ 1.0 relationship generate Monthly Residual Income from your participating household expense activity. AdvisorReady™ gives that monthly income a specific long-term direction.

You already own the policy. AdvisorReady™ helps direct your Monthly Residual Income toward the cash value side of that existing policy strategy.

Active ERA → Make your scheduled bill-pay deposits → MiddleBanking™ 1.0 manages the participating household bills → Monthly Residual Income is established → AdvisorReady™ directs the amount you choose toward your existing cash value strategy.

The Engine Behind Your ERA

Meet MiddleBanking™ 1.0.

MiddleBanking™ 1.0 brings your participating household bills, due dates, scheduled ERA bill-pay deposits, and payment activity into one organized system.

Swipe or drag sideways to view the full MiddleBanking™ 1.0 flowchart.

MiddleBanking 1.0 workflow showing household bills and expenses, ERA bill-pay deposits, bill payments, and Monthly Residual Income.

Learn more about ReCapture Financial and MiddleBanking™ 1.0 →

Expense Residual Income AccountYour active ERA is the ReCapture Financial relationship that gives you access to AdvisorReady™.

MiddleBanking™ 1.0ReCapture organizes and pays participating household expenses through one structured weekly plan.

Financial JustificationYour income, pay dates, expenses, due dates, and spending needs are reviewed together.

Long-Term DirectionYou choose how much of your Monthly Residual Income to direct toward an existing cash value strategy.

Why AdvisorReady?

Your Monthly Residual Income can support the long-term plan you already have.

AdvisorReady™ does not begin with buying insurance. It is designed for households that already own an active cash value life insurance policy.

Your ERA and MiddleBanking™ 1.0 plan organize and pay the participating household expenses you already have. The Monthly Residual Income generated through that active relationship can then be given a long-term destination through AdvisorReady™.

Instead of using all of your Monthly Residual Income for current spending, AdvisorReady™ lets you direct the amount you choose toward the cash value side of your existing policy strategy.

The active ERA comes first.Maintain an active Expense Residual Income Account with ReCapture Financial.

MiddleBanking™ organizes the household.ReCapture structures your approved expenses around your income, pay dates, amounts, due dates, and spending needs.

AdvisorReady™ gives your income direction.You choose how much of your Monthly Residual Income to direct toward the cash value side of an existing policy strategy.

One-Time AdvisorReady™ Activation Fee

AdvisorReady™ requires a one-time $250 activation fee to add the feature and its additional administration to your Expense Residual Income Account.

$250

Your one-time AdvisorReady™ activation fee prepares your ERA for the additional setup, Treasury administration, documentation, and program processing required for AdvisorReady™.

Initial household underwriting
Treasury setup
MiddleBanking™ account configuration
Personalized dashboard activation
Bill-pay platform enrollment
Treasury monitoring
AdvisorReady™ feature activation
Secure document storage
Digital check authorization
AdvisorReady™ program processing

This is a one-time activation fee to add AdvisorReady™ to your ERA. It is not a monthly participation fee or membership fee.

How AdvisorReady™ Works

Maintain an active ERA, complete Financial Justification, activate AdvisorReady™, verify your existing cash value policy, and choose how much of your Monthly Residual Income you want directed toward that long-term strategy.

Activate Your ERA

Provide your income, pay dates, bills, expense amounts, due dates, spending needs, and existing policy information.

Complete Financial Justification

ReCapture reviews your household and creates one scheduled MiddleBanking™ 1.0 bill-pay deposit plan.

Activate AdvisorReady™

Pay the one-time $250 activation fee to add AdvisorReady™ to your ERA.

Verify Your Existing Policy

AdvisorReady™ is designed for clients who already own an active cash value life insurance policy.

Direct Your Monthly Income

Choose how much of your Monthly Residual Income you want AdvisorReady™ to direct toward the cash value side of your existing policy strategy.

You already have the policy. AdvisorReady™ helps you put more toward it.

Everyday household expenses compete for the same dollars you could otherwise direct toward long-term financial goals.

Step One

You already own the policy.

AdvisorReady™ is built around an existing active cash value life insurance strategy.

The Income

Your ERA generates Monthly Residual Income.

Your active MiddleBanking™ 1.0 relationship generates Monthly Residual Income from your participating household expense activity.

The Direction

AdvisorReady™ gives that income a destination.

You choose how much of your Monthly Residual Income to direct toward the cash value side of your existing policy strategy.

Why ReCapture Comes First

Your ERA creates the income relationship. AdvisorReady™ gives the income direction.

ReCapture Financial does not sell you the life insurance policy. AdvisorReady™ begins after you already own an active cash value policy.

Your ERA and MiddleBanking™ 1.0 plan handle the household side. Your existing licensed insurance or financial professional remains responsible for the policy and any professional advice related to it.

ReCapture administers your ERA and MiddleBanking™ 1.0 relationship. AdvisorReady™ helps direct the amount of Monthly Residual Income you choose toward the long-term strategy you already established.

AdvisorReady™ FAQ

Clear answers about your ERA, AdvisorReady™, and your existing cash value policy.

What is AdvisorReady™?

AdvisorReady™ is a ReCapture Financial ERA feature that allows active MiddleBanking™ 1.0 clients to direct the amount of Monthly Residual Income they choose toward the cash value side of an existing life insurance strategy.

What is an Expense Residual Income Account?

An ERA is a ReCapture Financial account used to organize, manage, and pay participating household expenses through MiddleBanking™ 1.0. Your active ERA is the relationship that allows AdvisorReady™ to be added to your household plan.

Do I need an existing cash value policy?

Yes. AdvisorReady™ is designed for clients who already own an active cash value life insurance policy. ReCapture does not sell the policy or replace your licensed professionals.

Does ReCapture sell insurance or provide financial advice?

No. ReCapture Financial does not sell insurance, provide investment advice, manage investment accounts, or act as your financial advisor. Work with properly licensed professionals for insurance, tax, investment, and advisory guidance.

How does AdvisorReady™ work?

Open and actively use an ERA, complete Financial Justification, follow your approved MiddleBanking™ 1.0 plan, activate AdvisorReady™, and verify your existing cash value policy. Monthly Residual Income can then be directed toward that existing policy strategy under current program terms.

What is Financial Justification?

Financial Justification is ReCapture's review of your household income, pay dates, monthly bills, contracted obligations, recurring expenses, weekly spending needs, due dates, and available cash flow used to build your approved MiddleBanking™ 1.0 plan.

What do I need to do to remain active?

Keep your ERA active, consistently fund your approved weekly MiddleBanking™ amount, keep your household and policy information current, and remain active and current under AdvisorReady™ program terms.

Put Your Monthly Residual Income Toward Something Bigger.

Keep your Expense Residual Income Account active, follow your approved MiddleBanking™ 1.0 plan, activate AdvisorReady™, and give the amount of your Monthly Residual Income you choose a long-term destination.

Start AdvisorReady™ Review Savings Forecaster

AdvisorReady™ requires approval, an active Expense Residual Income Account, completion of Financial Justification, payment of the one-time $250 AdvisorReady™ activation fee, consistent funding of the approved MiddleBanking™ 1.0 plan, an active existing cash value life insurance policy, and continued active and current status under current program terms. ReCapture Financial does not sell insurance, provide investment advice, or manage investment accounts.