Bridge the Gap Between Financial Coaching and Advisor-Readiness

ARX (Advisor Readiness Exchange) is a two-way financial development system.

We help individuals build the clarity, confidence, and systems needed to become advisor-ready—and connect them with aligned financial professionals when they are. For financial advisors, ARX is a trusted coaching resource for clients who aren't quite ready yet.

What is ARX?

ARX (Advisor Readiness Exchange) is a signature service of 40AM Capital that bridges the gap between financial coaching and wealth advisory readiness.

For 40AM clients, ARX provides a structured, trust-based transition to a vetted financial advisor once they’ve completed the program and reached a stage of readiness.

For advisors, ARX offers a unique way to support prospects who aren’t yet financially organized, emotionally ready, or aligned with long-term planning. Through our coaching program, we help these individuals build clarity, stability, and decision-making confidence—then seamlessly transition them back to you when they’re ready for the next level of wealth management.

It’s not just a referral system—it’s a strategic partnership that prioritizes timing, trust, and total client alignment.

WHO ARX IS FOR

  • For Advisors

    You’ve met prospects who have potential—but they’re not quite ready for your services.

    Rather than turn them away, refer them to ARX. We’ll coach them up through mindset, systems, and behavior change. And when they’re ready, you’ll be first in line to continue their financial journey.

  • For Coaching Clients

    You’ve been doing the work—paying down debt, organizing your finances, building real momentum.

    When you reach a stage of readiness in your financial coaching journey, ARX connects you with a vetted, values-aligned financial advisor to take the next step.

How ARX Works

For Individuals:

  1. Assess Your Financial Independence Level using our Spectrum Assessment

  2. Work with a 40AM Coach to build your personalized financial plan

  3. Track your progress through debt elimination, savings goals, and stability-building

  4. Get matched with a financial advisor when your goals and finances are aligned

For Advisors:

  1. Refer prospective clients who aren’t yet a fit for your services

  2. We coach them toward readiness, addressing mindset, structure, and stability

  3. You receive a warm referral back when they’re financially prepared and advisor-aligned

(Note: ARX is not a substitute for financial advising—it’s the strategic bridge that helps both individuals and advisors move forward with clarity.)

Not everyone is ready for a financial advisor today—and not every advisor has the tools or time to coach someone into readiness. That’s where ARX comes in.

We coach individuals to build the clarity, systems, and confidence they need to reach advisor readiness—and when they’re there, we connect them with trusted professionals who match their goals and values.

It’s a bridge between where you are and where you’re going—strategic, supportive, and built for real financial progress.

Why ARX Works

Frequently Asked Questions

  • ARX (Advisor Readiness Exchange) is a signature service of 40AM Capital that provides a strategic bridge between coaching and advisory services. It allows financial advisors to refer individuals who aren’t yet ready for wealth management into personalized coaching—and connects 40AM coaching clients who are ready with trusted, values-aligned financial advisors.

  • No. ARX is not a public offering. Individuals are invited into ARX only through (1) completing the 40AM Financial Freedom Coaching program or (2) being referred by a financial advisor.

  • If you’re a financial advisor, simply complete our referral form. We’ll guide your client through our coaching program, support their financial growth, and return them to you once they’ve reached readiness for wealth management.

    If you're also interested in receiving referrals from 40AM, you’ll need to complete a short application to join the ARX network. Once approved, we’ll create a professional profile for you, which will be shared with eligible 40AM clients. You’ll be notified directly if there’s a strong match.

  • Not at all. Our goal is to preserve and strengthen your client relationship. We simply serve as a bridge—helping your client gain clarity, confidence, and organization until they’re ready to fully engage with your services.

  • We’ll reach out to the referred client and guide them through an initial Discovery Call. If they’re open to coaching, we enroll them in our standard 4-session program and keep you informed of their progress.

  • Our readiness assessment is based on key financial behaviors and planning milestones. Once your client reaches financial stability, goal alignment, and is mentally prepared to build long-term wealth, we transition them back to you.

  • No. ARX is a complimentary service for participating advisors. Your only commitment is to align with our values of transparency, education, and client empowerment.

  • Yes. We welcome opportunities for joint review calls or transition meetings to ensure your client feels fully supported and confident during the handoff back to you.

  • ARX is a two-way referral system designed to ensure clients are financially prepared for wealth management. If you refer a client to 40AM Capital, we begin with a Discovery Call, enroll them in our Financial Freedom Coaching program, and support their progress toward financial clarity and readiness. Once they reach key milestones, we transition them back to you for long-term advisory services.

    If you're part of the ARX network and eligible to receive client referrals from 40AM, you'll be notified when a coaching client is ready and aligned with your profile. You’ll have the opportunity to reintroduce yourself, schedule a call, and take the relationship forward.

  • In addition to coaching, 40AM Capital offers two powerful Excel-based toolkits: the Financial Blueprint Collection (goal-based bundles for specific milestones like debt payoff or home buying) and the Financial Transformation System (a comprehensive system aligned with the Financial Independence Spectrum).

    If your client prefers a self-guided option, we’re happy to recommend a bundle that fits their goals—or you can explore the tools yourself as a resource to support your client work.