Client Loyalty
The Nova Circle
Luxury can be bought — but it can also be earned.
Loyalty rewards your tenure; your plan rewards your investment. Perks stack each year. Financial rewards grow at every level, while recognition and advisory access are reserved for higher tiers — so there is always something more to reach for.
| Tenure | Foundation | Professional | Premier |
|---|---|---|---|
| SteelDay 1 | Rate locked through year 1 + welcome onboarding | Rate locked through year 1 + welcome onboarding | Rate locked through year 1 + priority onboarding |
| Silver1 Year | Rate-lock continues + referral credit boost | Rate-lock continues + larger referral boost | Rate-lock continues + named on referral honor roll |
| Gold2 Years | 3% annual loyalty credit | 4% annual loyalty credit | 5% annual loyalty credit |
| Platinum3 Years | 13th month free + 1 fee waiver per year | 13th month free + AR add-on credit | 13th month free + named-client recognition |
| Diamond5 Years | Waived termination fee + credit rises to 4% | Waived termination fee + credit rises to 5% | Waived termination fee + private annual planning session |
| Obsidian7 Years | Lifetime rate-lock at current tier | Lifetime rate-lock + annual financial review | Lifetime rate-lock + CFO-style annual review |
| Noir10+ Years | Anniversary recognition + standing loyalty credit | Anniversary recognition + second free month each year | Named-partner status + event invitations |
The design principle
Financial perks — rate-locks, percentage credits, free months — exist at every plan, so loyalty always pays no matter where you start. Status and advisory perks — recognition, a dedicated contact, CFO-style sessions — are reserved for the higher plans, so the ceiling stays visible. A decade-long Foundation client is genuinely honored; they can also see exactly what climbing would unlock. Tenure earns security. Plan tier earns prestige.
Start Your Journey
Every client enters as Steel.
Where you finish is up to you.
The Nova Circle begins on your first day and grows every year you stay. Schedule a consultation to find the right plan to start your tenure.