Healthcare, retirement, and same-day access to earned commissions — broker-branded, built for how agents actually earn.
Upfront Care brings the same agent-first approach we built for cash flow to healthcare — year-round enrollment and plans that don't penalize you for being self-employed. Delivered through your brokerage or your MLS.
We partner directly with your brokerage or your MLS to bring healthcare to your agents. A few clicks to enroll, and the support you'd expect from a real benefits team.
Offer Care to your agents →Standard agreement, no infrastructure changes — live in days.
Browse tiers, pick a plan, complete enrollment from any device.
Cards issued, providers in-network, claims handled.
Agent Financials gives real estate agents same-day access to earned commissions and the tools to run their business — synced directly from your back-office deal data, with no manual ops work.
SoloK is a Solo 401(k) built for independent agents — the retirement plan they've been asking for. A genuine recruiting and retention edge, with zero compliance burden on the brokerage.
Healthcare and financial tools are what top agents actually leave for. Now your brokerage has both — so they don't have to.
Financials is built into Vero. SoloK and Care compliance are fully managed. Nothing new for your ops team to run.
Embedded financial tools aren't just a benefit — they're a revenue line. Participation-based economics that grow with your roster.
Yes — that's exactly what Upfront Care was built for. Most brokerages can't offer benefits to independent contractors. With Care, you can offer W-2 quality health plans through your brokerage with no employer mandate, no admin burden, and zero infrastructure changes.
Three out of four agents say healthcare access influences which brokerage they choose. That makes it a recruiting tool, not just a benefit.
Three medical tiers — MVP (6 hospital visits/year plus unlimited preventive), Virtual (unlimited virtual and preventive care), and Full PPO (national PPO network). Plus add-on coverage for dental, vision, life, critical illness, accident, and even pet insurance.
Plans run on nationally recognized PPO networks — same providers W-2 employees use. Coverage in all 50 states.
No. Upfront Care offers year-round enrollment — agents can sign up by the 21st of any month for next-month coverage. No waiting for November, no special-circumstance affidavits. You need coverage? You get coverage.
Nothing mandatory. Care is deployed at no cost — agents pay their own premiums, typically well below the public marketplace. Agent Financials is built into Vero with no new admin overhead.
The brokerage gets a recruiting and retention advantage without adding a line item to the budget.
Agent Financials is a broker-branded financial hub for 1099 agents — bill pay, expense management, and early access to earned commissions on pending closings. All pulled directly from your back-office deal data, reconciled at close.
Same-day money movement on closings. No manual ops work on the brokerage side.
When a deal is under contract, agents can access a portion of their earned commission before closing — pulled directly from the deal data in your back office. The remaining balance is automatically reconciled and released at close.
No third-party factoring, no high-interest advances. The agent accesses what they've already earned.
SoloK is a Pooled Employer Plan (PEP) Solo 401(k) purpose-built for independent real estate professionals. It lets agents contribute up to $70,000/year ($77,500 if 50+) in tax-advantaged retirement savings — both Traditional (pre-tax) and Roth (after-tax).
The brokerage has zero compliance burden — admin, IRS filings, Form 5500, and fiduciary oversight are fully managed.
No. Agent Financials is built into Vero and SoloK compliance is fully managed. Care enrollment, billing, and claims are handled by us. There's zero new admin overhead — the financial tools pull from your existing deal data, so there's nothing to enter and nothing to reconcile manually.
Yes. Embedded financial tools aren't just a benefit — they can be a revenue line. Participation-based economics that grow with your roster are available. We'll walk you through the models in a custom scope.
Tell us about your brokerage. We'll come back with a sized model covering healthcare (Care) and Agent Financials — retirement, bill pay, and early commission access — and what they'd unlock for your agents.