Apptivo Review: Features, Pros & Cons – Forbes Advisor

Claims

  • adds the ability to send automated drip campaigns

  • allows creating an entirely new invoice

  • allows creating an invoice from a property rental

  • allows creating an invoice from a property sale invoice

  • allows creating an invoice from a work order

  • allows creating an invoice from a workbench request

  • allows creating an invoice from an on order

  • allows creating an invoice from another invoice

  • allows creating an invoice from projects

  • allows creating an invoice from timesheets

  • allows including items for products for sale in a new estimate

  • allows including services for hourly tasks in a new estimate

  • allows users to choose what to include in a new estimate

  • allows users to create a fixed estimate

  • allows users to create a new estimate

  • allows users to create an estimate from another estimate

  • allows users to create custom fields to suit their unique needs

  • allows users to set collaboration security settings

  • allows users to set field access

  • allows users to set permissions

  • allows users to set user roles

  • answered calls quickly

  • appears in Forbes Advisor's Apptivo Review as a section titled 'Apptivo Setup'

  • assigns a custom set of fields to each invoice type to suit its particular use case

  • assigns leads to your sales team automatically

  • automates workflows

  • can be clunky

  • can be slow

  • can be used out of the box as a simple yet comprehensive CRM

  • can send estimates

  • can send invoices

  • comes with several sophisticated service-related features out of the box

  • comes with several sophisticated service-related tools out of the box

  • customer support can take a while to reach a representative

  • customer support isn't always the fastest

  • customizations often require a developer

  • customizations often require the help of a developer

  • customizing the product generally requires developer assistance

  • does not offer a free forever plan

  • does not offer a free plan

  • does not offer lead generation tools

  • does not provide guided walkthroughs for using its features

  • does not require a credit card

  • does not win any awards for ease of use

  • does not win any awards for user experience

  • drives more sales

  • enables staying on top of all upcoming to-do list items and events

  • enables turning raw data into actionable insights

  • enables two-factor authentication (2FA) on all plans

  • enables workflow automation

  • features vary by plan

  • gives teams more time to focus on building relationships

  • has a Frequently Asked Questions (FAQs) section in Forbes Advisor's Apptivo review

  • has a clunky email marketing interface

  • has a clunky feel

  • has a contact management dashboard that feels dated compared to many of the leading CRMs

  • has a dated email marketing interface

  • has a dated interface

  • has a feature set that many rivals do not offer

  • has a longer-than-average learning curve

  • has a rating of 4.4 from Forbes Advisor

  • has a review published by Forbes Advisor

  • has a review titled 'Apptivo Review: Features, Pros & Cons'

  • has a section titled 'Apptivo Core Features' in Forbes Advisor's Apptivo Review

  • has a section titled 'Apptivo Pricing' in Forbes Advisor's Apptivo Review

  • has a section titled 'Apptivo: At a Glance' in Forbes Advisor's Apptivo review

  • has a section titled 'Ease of Use' in its Forbes Advisor review

  • has a section titled 'Security'.

  • has a steep learning curve

  • has an arduous initial setup

  • has an unintuitive user experience

  • has built-in estimates

  • has built-in invoicing

  • has highly regarded support quality

  • has one of the most robust invoicing platforms in the market

  • has top-rated customer support

  • has top-rated support

  • has varying customer support experiences

  • helps teams operate more efficiently

  • helps teams operate more smoothly

  • helps users manage appointments

  • helps users manage meetings

  • helps users stay on top of upcoming events

  • helps users stay on top of upcoming tasks

  • includes SMS automation in contact management

  • includes SMS marketing features

  • includes a customer or client field among its standard fields

  • includes a priority level among standard fields

  • includes a project base fee as a standard field

  • includes built-in estimates

  • includes contact management

  • includes currency in its standard fields

  • includes email automation in contact management

  • includes email marketing features

  • includes inventory management

  • includes invoicing

  • includes lead management

  • includes sales pipelines

  • includes task management

  • includes the project manager field

  • includes the project status among its standard fields

  • inventory management is available on certain plans

  • is a CRM

  • is a CRM platform

  • is a CRM solution

  • is a cloud-based CRM

  • is a customer relationship management (CRM) solution

  • is a deeply customizable CRM

  • is a feature-rich platform

  • is a highly flexible platform

  • is a powerful platform

  • is a unified CRM platform

  • is among the most customizable solutions available in the market

  • is best for service-based businesses that have found that the average CRM does not come with the features necessary to manage contacts and leads effectively.

  • is better aligned to meet the needs of large service-based businesses

  • is covered in Forbes Advisor's Apptivo Review, which includes a section titled 'Who is Apptivo Best For?'

  • is customizable to meet nearly any need

  • is easy to use out of the box

  • is far less modern than the bulk of its competitors

  • is far less user-friendly than most competitors

  • is far more comprehensive for service providers with unique CRM needs

  • is far more sophisticated than many top alternatives in financial management features

  • is feature-rich

  • is highly customizable

  • is highly customizable with APIs

  • is highly customizable with integrations

  • is more customizable than Nimble

  • is not beginner-friendly

  • is not more time-consuming to use out of the box than many of its more intuitive counterparts

  • is not particularly intuitive

  • is not the most affordable CRM on the market

  • is not the most user-friendly CRM in the market

  • is not the only CRM offering these features

  • is not very user-friendly

  • is one of the most comprehensive and versatile CRMs in the market

  • is priced at $15 per user per month with annual billing

  • is ranked among the best CRMs by Forbes Advisor

  • is rated among the best CRMs for financial advisors

  • is sometimes known as email sequencing

  • is straightforward to set up out of the box

  • is the better solution for large service providers that find standard CRM offerings too limiting

  • is very different from Zoho CRM

  • is very powerful

  • its interface could be more user-friendly

  • midtier plans quickly become expensive for large teams

  • offers 24/7 customer support via chat

  • offers 24/7 customer support via email

  • offers 24/7 customer support via phone

  • offers 24/7 customer support via phone, email and chat

  • offers Google email integrations

  • offers IMAP integration for email syncing

  • offers Microsoft email integrations

  • offers SMS automation

  • offers a 30-day free trial

  • offers a comprehensive feature set

  • offers a free 30-day trial

  • offers a large feature set

  • offers a midtier plan that includes email campaign creation

  • offers a midtier plan that includes marketing automations

  • offers a project management tool to help sales teams stay on top of projects

  • offers a starting price of $15 per user per month when billed annually

  • offers a wide range of features

  • offers an entry-level plan starting at $15 per user per month

  • offers annual billing options

  • offers built-in SMS marketing

  • offers built-in email marketing

  • offers competitively priced plans starting at $15 per user per month

  • offers comprehensive, built-in invoicing tools

  • offers contact and lead management

  • offers contact management

  • offers email and SMS marketing

  • offers email automation

  • offers email marketing

  • offers entry-level pricing comparable to many top CRMs

  • offers estimates

  • offers estimates and invoicing

  • offers estimates functionality

  • offers extensive customization capabilities

  • offers follow-up management

  • offers highly customizable features

  • offers invoices

  • offers invoicing

  • offers invoicing functionality

  • offers lackluster software

  • offers lead management

  • offers lead scoring

  • offers limited email marketing tools

  • offers monthly billing options

  • offers more unique features geared toward the service industry

  • offers opportunity management

  • offers plans starting at $15 per user per month

  • offers product management

  • offers quotes

  • offers robust invoicing

  • offers round-robin lead assignment

  • offers task management

  • offers user-controlled security features

  • paid plans are expensive for ecommerce features

  • paid plans are expensive for email marketing features

  • paid plans are expensive for payments features

  • plans include email syncing via an IMAP integration

  • plans include email templates

  • plans include email tracking for opens and link clicks

  • plans include referral tracking

  • presents a difficult initial setup for users seeking a highly customized solution

  • provides a unified dashboard to track contacts

  • provides automatic lead routing

  • provides automatic lead routing for sales teams

  • provides built-in financial management tools for estimates

  • provides built-in financial management tools for invoicing

  • provides built-in security measures to help ensure data security

  • provides contact management

  • provides contact management with task management

  • provides custom reports

  • provides estimates functionality

  • provides information on cons

  • provides information on features

  • provides information on pros

  • provides insights

  • provides invoicing functionality

  • provides lead management

  • provides more customization opportunities for customers with unique CRM needs

  • provides new users with a walkthrough guide to navigate the dashboard

  • provides product management functionality

  • provides reporting

  • provides robust invoicing

  • provides round-robin lead assignment in contact management

  • provides support that is very helpful and effective at remedying issues

  • provides task management

  • provides top-rated support

  • provides workflow automations

  • requires a degree of technical expertise

  • requires email address confirmation before accessing the new account dashboard

  • requires no credit card

  • requires technical expertise, such as development experience, to handle customizations

  • requires the assistance of a developer to build out a highly custom solution

  • review covers features and pros & cons

  • scales with growing businesses

  • security features vary by plan

  • sends follow-up emails after a specified number of days

  • standard fields include billing method

  • stands out for its customer support

  • stands out from the competition due to the number of subfeatures within each feature

  • starts at $15 per user per month when billed annually

  • takes time to learn how to access and use its features

  • task management includes follow-up management

  • the free trial helps users test Apptivo and decide if it is the right CRM solution for them

  • top-tier plans quickly become expensive for large teams

  • tracks incoming leads as part of contact tracking

  • walkthrough guide is not particularly helpful for onboarding new users

  • was reviewed hands-on by Forbes Advisor

  • will likely incur costs

  • will likely take time to complete

  • charges $15 per user per month, billed annually

  • has built-in invoicing

  • includes email marketing

  • includes pipeline management

  • includes sales pipelines

  • includes task management

  • includes workflow automations

  • is a CRM

  • is among the most comprehensive and versatile CRMs on the market

  • is easier to use than Apptivo

  • is one of the most comprehensive and versatile CRMs in the market

  • is well-designed

  • offers a 14-day free trial

  • offers a broader range of marketing solutions

  • offers a help center for customer support

  • offers a price of $15 per user per month when billed annually

  • offers a starting price of $15 per seat per month when billed annually

  • offers a starting price of Free

  • offers customer support via email

  • offers customer support via live chat

  • offers customer support via phone

  • offers inventory management

  • offers lead generation tools

  • provides contact management

  • provides reporting

  • has a very minimal learning curve

  • has built-in invoicing

  • includes email marketing via Zoho Campaigns

  • includes inventory management

  • includes sales pipelines

  • includes task management via Zoho Projects

  • includes workflow automations

  • is a comprehensive CRM

  • is very different from Apptivo

  • is widely regarded as the best free CRM

  • offers a 15-day free trial

  • offers a better solution for businesses of all sizes with standard CRM needs

  • offers a free option

  • offers a paid plan priced at $14 per month per user when billed annually

  • offers a very user-friendly experience

  • offers customer support via email

  • offers customer support via phone

  • offers customer support via the help center

  • offers lead generation tools

  • provides an intuitive and modern interface

  • provides contact management

  • provides reporting

  • provides standard CRM functionality

  • costs $20 per month when billed monthly

  • does not include Ecommerce Tools

  • does not include Land Page Builder

  • does not include Marketing Automations

  • does not include SMS Marketing

  • does not include payment integrations such as PayPal and Stripe

  • does not offer the Send Bulk Emails feature.

  • has a custom dashboard limit of 8

  • has a limit of 100 custom fields

  • has a workflow limit of 25

  • has an app limit of 18

  • includes IMAP integration

  • includes SMS marketing

  • includes Workflow Automations

  • includes contact management

  • includes email marketing

  • includes invoices

  • includes project management

  • includes quotes

  • is $15 per month when billed annually

  • offers 24/7 support

  • provides 1 GB of file storage per user

  • allows sending 1,000 emails per user per month

  • costs $25 per month when billed annually

  • does not include Land Page Builder

  • does not include SMS Marketing

  • has a custom dashboard limit of 25

  • has a limit of 250 on custom fields

  • has a workflow limit of 75

  • has an app limit of 46 apps

  • includes Email Marketing

  • includes IMAP integration

  • includes SMS Marketing

  • includes Workflow Automations

  • includes contact management

  • includes ecommerce tools

  • includes invoices

  • includes marketing automations

  • includes project management

  • includes quotes

  • is priced at $30 per month with monthly billing

  • lacks payment integrations such as PayPal and Stripe

  • offers 24/7 support

  • provides 3 GB of file storage per user

  • allows sending 3,000 emails per user per month

  • costs $50 per month when billed monthly

  • does not include Land Page Builder

  • has a custom dashboard limit of 50

  • has a limit of 350 custom fields

  • has a workflow limit of 150

  • has an app limit of 57

  • includes Email Marketing

  • includes IMAP integration

  • includes SMS Marketing

  • includes contact management

  • includes invoices

  • includes project management

  • includes quotes

  • includes workflow automations

  • is $40 per month when billed annually.

  • offers 24/7 support

  • offers PayPal payment integration

  • offers Stripe payment integration

  • provides 10 GB of file storage per user

  • provides Ecommerce Tools

  • provides marketing automations

  • affiliate links may generate income when clicked

  • cannot guarantee that any information provided is complete

  • commissions do not affect editors' opinions or evaluations

  • compensation from advertisers does not influence its editorial recommendations or advice.

  • content was audited and verified on July 31, 2024

  • does not guarantee the accuracy of the information it provides

  • does not guarantee the applicability of the information it provides

  • earns commissions from partner links

  • has affiliate links for those products

  • includes a section titled Apptivo Alternatives and How They Compare in its Apptivo review

  • includes affiliate links to advertisers' offers in some of its articles

  • lists partners that offer products

  • provides paid placements to advertisers to present their offers

  • published a QuickBooks Payroll Review: Features, Pros And Cons.

  • published an Apptivo review

  • publishes an Apptivo review

  • publishes an Apptivo review detailing features, pros, and cons

  • publishes an article titled 'Apptivo Review: Features, Pros & Cons'

  • receives compensation from advertisers on the Forbes Advisor site

  • allows up to 3,000 bulk email sends per month

  • costs $50 per user per month

  • has 10 GB of file storage

  • has a custom field limit of 350

  • has a workflow limit of 150

  • includes SMS marketing

  • includes contact management

  • includes ecommerce tools

  • includes estimates

  • includes invoicing

  • includes product management, also known as inventory management

  • includes project management

  • is an expensive choice for businesses with large sales teams

  • is priced at $40 per user per month, billed annually

  • offers marketing automations

  • restricts access to data sets based on user group

  • does not include inventory management

  • includes email marketing

  • includes task management

  • is a better choice for those looking to use a CRM to grow their contact lists

  • is more user-friendly than Apptivo

  • lacks built-in invoicing

  • offers a 14-day free trial

  • offers a starting price billed annually of $24.90 per seat, per month

  • offers a starting price of $24.90 per user per month, billed annually

  • offers lead generation tools via web forms

  • offers more lead generation tools

  • offers workflow automations

  • provides contact management

  • provides customer support via email

  • provides reporting

  • provides sales pipelines

  • automated workflows are based on the number of triggers configured

  • costs $20 per user per month without a contract

  • does not include SMS marketing

  • does not include email marketing campaigns

  • does not include payment gateway integration

  • has a limit of 100 custom fields

  • includes 1 GB of storage

  • includes contact management

  • includes project management

  • includes up to 25 automated workflows

  • is Apptivo's entry-level plan

  • is the entry-level plan

  • lacks ecommerce tools

  • provides access to the core features of the Apptivo platform

  • starts at $15 per user per month when billed annually

  • allows sending up to 1,000 bulk emails per month

  • costs $25 per user per month with an annual subscription

  • costs $30 per user per month

  • has a file storage limit of 9 GB

  • includes ecommerce tools

  • includes everything from the Apptivo Lite plan

  • includes marketing automations

  • includes payment integrations

  • increases the custom field limit from 100 to 250

  • increases the workflow limit from 25 to 75

  • is suitable for automating marketing communications.

  • is suitable for service providers who want to accept payments via their CRM

  • offers a month-to-month billing option

  • includes Google Maps integration

  • includes fields for food

  • includes fields for hobbies

  • includes fields for territory

  • includes social information with links to a contact's social media profiles

  • offers a large number of unique fields

  • offers additional fields beyond those listed

  • documents pricing plans

  • is a top alternative to Apptivo for enhanced sales pipeline management

  • offers a 14-day free trial

  • offers a starting price of $14 per user per month (billed annually)

  • offers pipeline management

  • pricing starts at $14 per user per month when billed annually

  • provides pipeline management

  • charges $12 per user per month for basic features

  • costs $12 per user per month for basic features

  • offers a 14-day free trial

  • offers a starting price of Free

  • provides pipeline management

  • includes a section titled 'Conclusion'

  • includes a section titled 'Customer Service and Support'

  • includes a section titled 'What Sets Apptivo Apart'

  • covers features

  • covers pricing

  • covers pros and cons

  • is a top alternative to Apptivo for marketing tools

  • is the best for marketing functionalities

  • is robust

  • provides a large number of relevant project management fields out of the box

  • has no user limit on its free plan

  • is the best free solution for large teams

  • is independent

  • is objective

  • is a top alternative to Apptivo

  • provides more comprehensive workflow automations

  • covers features

  • covers pricing

  • includes data set access

  • includes territory management

  • includes a section titled 'How Apptivo CRM Works' in Forbes Advisor's Apptivo Review: Features, Pros & Cons

  • feels lackluster for users who have experience using other, more modern CRM dashboards.

  • adds the ability to send automated drip campaigns

  • is an email marketing software solution

  • holds the copyright for Forbes Advisor content as of 2026

  • is best for managing opportunities

  • is an email marketing software solution

  • is a top alternative to Apptivo for scalability

  • is an email marketing software solution

Claims

  • Apptivo offers competitively priced plans starting at $15 per user, per month.

  • Apptivo offers monthly and annual billing options.

  • Apptivo is a very powerful, feature-rich platform.

  • Apptivo provides automatic lead routing for sales teams.

  • Apptivo includes built-in estimates and invoicing.

  • Apptivo is a deeply customizable CRM.

  • Apptivo has top-rated customer support.

  • Apptivo offers a free 30-day trial.

  • Apptivo is a highly flexible platform.

  • Apptivo can be used out of the box as a simple yet comprehensive CRM.

  • Apptivo can be customized to suit nearly any need.

  • Apptivo gives users a unified dashboard for keeping track of contacts, including incoming leads.

  • Apptivo can assign leads to your sales team automatically.

  • Apptivo helps users stay on top of upcoming tasks and events, such as managing appointments and meetings.

  • Apptivo can automate workflows, such as sending a follow-up email after a specified number of days.

  • Apptivo helps teams operate more smoothly and efficiently.

  • Apptivo gives teams more time to focus on building relationships and driving more sales.

  • Apptivo does not offer a free plan.

  • Apptivo offers a free 30-day trial to help users test it out and decide if it's the right CRM solution for them.

  • Apptivo's contact management includes round-robin lead assignment.

  • Apptivo's contact management includes task management, including follow-up management.

  • Apptivo's contact management includes email and SMS automation.

  • Apptivo's contact management includes IMAP integration for email syncing.

  • Apptivo's contact management includes Google map integration.

  • Apptivo's contact management includes Google and Microsoft email integrations.

  • Apptivo's contact management offers a large number of unique fields, including social information where users can input links to a contact's social media profiles, hobbies, food, territory and more.

  • Apptivo's contact management dashboard feels dated compared to many of the leading CRMs.

  • Apptivo's contact management usability will likely feel lackluster for users who have experience using other, more modern CRM dashboards.

  • Apptivo is a CRM solution.

  • Apptivo offers a large feature set that many of its rivals do not.

  • Apptivo is far less user-friendly than the bulk of its competitors.

  • Apptivo is far less modern than the bulk of its competitors.

  • Apptivo's entry-level pricing is in the ballpark of many top CRMs.

  • Apptivo's midtier and top-tier plans quickly become expensive for large teams.

  • Apptivo Ultimate plan costs $40 per user, per month with annual billing.

  • Apptivo Ultimate plan costs $50 per user, per month with a monthly subscription.

  • Apptivo Ultimate plan is an expensive choice for businesses with large sales teams.

  • Apptivo Ultimate plan includes contact management.

  • Apptivo Ultimate plan includes project management.

  • Apptivo Ultimate plan includes product management, also known as Inventory management.

  • Apptivo Ultimate plan includes estimates and invoicing.

  • Apptivo Ultimate plan includes marketing automations with up to 3,000 bulk email sends per month.

  • Apptivo Ultimate plan includes ecommerce tools.

  • Apptivo Ultimate plan includes SMS marketing.

  • Apptivo Ultimate plan has a workflow limit of 150.

  • Apptivo Ultimate plan has a custom field limit of 350.

  • Apptivo Ultimate plan has file storage of 10 GB.

  • Apptivo comes with a wide range of features.

  • Apptivo includes contact and lead management.

  • Apptivo includes task management to stay on top of all upcoming to-do list items and events.

  • Apptivo includes email and SMS marketing features.

  • Apptivo offers estimates and invoicing.

  • Apptivo stands out from the competition because of the number of subfeatures within each of its features.

  • Apptivo's core features include contact and lead management, task management, email and SMS marketing, and estimates and invoicing.

  • Forbes Advisor earns commissions from partner links.

  • Forbes Advisor commissions do not affect editors' opinions or evaluations.

  • Forbes Advisor publishes an Apptivo review titled 'Apptivo Review: Features, Pros & Cons'.

  • Forbes Advisor's content was audited and verified on July 31, 2024.

  • Zoho CRM is widely considered the best free CRM.

  • Insightly is the best for managing opportunities.

  • Agile CRM is the best for marketing functionalities.

  • Bitrix24 is the best free solution for large teams as it has no user limit on its free plan.

  • Apptivo comes with built-in security measures so that users can feel assured that their data is secure.

  • Apptivo offers many user-controlled security features which vary by plan.

  • Apptivo includes the ability to enable two-factor authentication (2FA) on all plans.

  • Apptivo allows users to set collaboration security settings.

  • Apptivo allows users to set user roles and permissions.

  • Apptivo allows users to set field access.

  • Apptivo's top-tier Ultimate plan includes territory management and data set access.

  • Apptivo's Ultimate plan restricts which data sets different user groups can access.

  • Apptivo stands out when it comes to customer support.

  • Apptivo's customer support is available 24 hours a day, seven days a week via phone, email and chat.

  • Apptivo's support quality is highly regarded by users for being very helpful and effective at remedying issues.

  • Apptivo's customer support can take a while to get a hold of a representative, so it isn’t always the fastest.

  • In the Forbes Advisor review, Apptivo support answered calls quickly.

  • Apptivo's customer support experiences vary.

  • Apptivo has a steep learning curve.

  • Apptivo customizations often require a developer.

  • Apptivo has no free plan.

  • Apptivo can be slow.

  • Apptivo has a dated interface.

  • Apptivo offers limited email marketing tools.

  • Apptivo starts at $15 per user per month when billed annually.

  • Apptivo offers a 30-day free trial with no credit card required.

  • Apptivo offers highly customizable features.

  • Apptivo provides robust invoicing.

  • Apptivo provides top-rated support.

  • Apptivo has a rating of 4.4 from Forbes Advisor.

  • Apptivo won’t win any awards for user experience or ease of use.

  • Apptivo stands out for its vast customization capabilities.

  • Apptivo has comprehensive, built-in invoicing tools.

  • Apptivo is one of the most customizable solutions in the market.

  • Customizing Apptivo generally requires the assistance of a developer, so the process will likely incur cost and take time.

  • Apptivo is a unified customer relationship management (CRM) platform.

  • Apptivo is designed to scale with growing businesses.

  • Apptivo offers contact management.

  • Apptivo offers lead management.

  • Apptivo offers opportunity management.

  • Apptivo offers task management.

  • Apptivo offers quotes.

  • Apptivo offers invoices.

  • Apptivo offers round-robin lead assignment.

  • Apptivo offers lead scoring.

  • Apptivo offers email automation.

  • Apptivo offers SMS automation.

  • Apptivo offers follow-up management.

  • Apptivo offers custom reports.

  • Apptivo is not the most affordable CRM in the market.

  • Apptivo is not the most user-friendly CRM in the market.

  • Forbes Advisor conducted a hands-on Apptivo review.

  • Apptivo is straightforward to set up out of the box.

  • Apptivo offers a free 30-day trial with no credit card required.

  • Apptivo requires you to confirm your email address before accessing your new account dashboard.

  • Apptivo provides new users with a walkthrough guide on how to navigate the Apptivo dashboard.

  • Apptivo does not walk users through how to use Apptivo's features.

  • Apptivo's walkthrough guide is not particularly helpful in showing new users how to use Apptivo.

  • Apptivo's initial setup is arduous for users seeking a highly customized solution.

  • Apptivo's initial setup requires a degree of technical expertise, such as development experience, to handle the customizations.

  • Apptivo has built-in financial management tools for estimates and invoicing.

  • Apptivo is far more sophisticated than many top alternatives in its financial management features.

  • Apptivo is not the only CRM that offers these features.

  • Apptivo lets users create a new estimate, a fixed estimate, or an estimate from another estimate.

  • Apptivo lets users choose what to include in a new estimate, such as services for hourly tasks, items for products for sale, or both.

  • Apptivo offers invoicing options that include creating an entirely new invoice or creating one from another invoice, from projects, from timesheets, from a work order, from an on order, from a workbench request, from a property rental, or from a property sale invoice.

  • Apptivo assigns a custom set of fields to each invoice type to suit its particular use case.

  • Apptivo is rated as one of the best CRMs for financial advisors.

  • monday.com is a top alternative to Apptivo for more comprehensive workflow automations.

  • Salesforce is a top alternative to Apptivo for scalability.

  • Agile CRM is a top alternative to Apptivo for marketing tools.

  • Pipedrive is a top alternative to Apptivo for enhanced sales pipeline management.

  • Apptivo is more customizable than Nimble.

  • Apptivo is aligned better with meeting the needs of large service-based businesses.

  • Nimble is more user-friendly than Apptivo.

  • Nimble offers more lead generation tools.

  • Nimble is a better choice for those who are looking to use a CRM to help grow their contact lists.

  • Nimble's starting price is $24.90 per user, per month, billed annually.

  • Apptivo's price is $15 per user per month with annual billing.

  • Apptivo is a CRM.

  • Apptivo is not the most user-friendly CRM in the market.

  • Apptivo is not beginner-friendly.

  • Apptivo has a dated interface.

  • Apptivo has a comprehensive feature set.

  • Apptivo is not particularly intuitive.

  • Apptivo feels clunky.

  • Apptivo features take time to learn how to access and use.

  • Apptivo has a longer-than-average learning curve.

  • Apptivo is not overly difficult to use out of the box.

  • Apptivo is not more time-consuming to use out of the box than many of its more intuitive counterparts.

  • Apptivo requires a degree of technical expertise or the assistance of a developer to build out a highly custom solution.

  • Apptivo is best for service-based businesses that have found that the average CRM does not come with the features necessary to manage contacts and leads effectively.

  • Apptivo comes out of the box with several sophisticated service-related features and tools.

  • Apptivo is highly customizable with APIs and integrations.

  • HubSpot's starting price is Free; $15 per user per month (billed annually).

  • HubSpot offers a 14-day free trial.

  • monday CRM's starting price is Free; $12 per user per month for basic features.

  • monday CRM offers a 14-day free trial.

  • Pipedrive's starting price is $14 per user per month (billed annually).

  • Pipedrive offers a 14-day free trial.

  • Pipedrive includes pipeline management.

  • Apptivo has a dated interface that could be more user-friendly.

  • Zoho CRM is very user-friendly with an intuitive and modern interface that lends itself to a very minimal learning curve.

  • Apptivo is far more comprehensive for service providers with unique CRM needs, such as estimates and invoicing and product management and more.

  • Apptivo is the better solution for large service providers that find standard CRM offerings to be too limiting.

  • Zoho CRM is the better solution for businesses large and small with standard CRM needs.

  • When comparing Apptivo to Zoho CRM, the two comprehensive CRMs are very different.

  • Apptivo offers estimates and invoicing.

  • Apptivo offers product management.

  • Zoho CRM is a comprehensive CRM.

  • Zoho CRM serves standard CRM needs.

  • Apptivo has a project management tool to help sales teams stay on top of projects.

  • Apptivo's interface is dated.

  • Apptivo's project management tool is robust with a large number of relevant project management fields out of the box.

  • Apptivo's standard fields include the project status.

  • Apptivo's standard fields include the priority level.

  • Apptivo's standard fields include the project manager.

  • Apptivo's standard fields include the customer or client.

  • Apptivo's standard fields include currency.

  • Apptivo's standard fields include billing method.

  • Apptivo's standard fields include project base fee.

  • Apptivo allows users to create custom fields to suit their unique needs.

  • Forbes Advisor published an Apptivo review.

  • Apptivo Premium plan costs $25 per user per month with an annual subscription.

  • Apptivo Premium plan costs $30 per user per month with a month-to-month plan.

  • Apptivo Premium plan includes everything from the Apptivo Lite plan.

  • Apptivo Premium plan includes marketing automations.

  • Apptivo Premium plan includes the ability to send up to 1,000 bulk emails per month.

  • Apptivo Premium plan includes ecommerce tools.

  • Apptivo Premium plan includes payment integrations.

  • Apptivo Premium plan increases the workflow limit from 25 to 75.

  • Apptivo Premium plan increases the custom field limit from 100 to 250.

  • Apptivo Premium plan has a file storage limit of 9 GB.

  • Apptivo Lite plan is the entry-level plan.

  • Apptivo Premium plan is suitable for those looking to automate marketing communications.

  • Apptivo Premium plan is suitable for service providers looking to accept payments via their CRM.

  • Apptivo offers built-in email and SMS marketing.

  • Apptivo's features vary by plan.

  • Apptivo plans include the ability to sync your email via an IMAP integration.

  • Apptivo plans include email tracking for both opens and link clicks.

  • Apptivo plans include referral tracking.

  • Apptivo plans include email templates.

  • Apptivo's midtier plan includes the ability to create email campaigns.

  • Apptivo's midtier plan includes marketing automations.

  • Apptivo's top-tier plan adds the ability to send automated drip campaigns.

  • Apptivo's top-tier plan adds the ability to send automated drip campaigns, sometimes known as email sequencing.

  • Apptivo's email marketing interface is dated and clunky.

  • Mailchimp is an email marketing software solution.

  • Zoho Campaigns is an email marketing software solution.

  • Drip is an email marketing software solution.

  • Apptivo's software is lackluster.

  • HubSpot and Apptivo are two of the most comprehensive and versatile CRMs in the market.

  • HubSpot is a CRM.

  • Apptivo is a CRM.

  • HubSpot is one of the most comprehensive and versatile CRMs in the market.

  • Apptivo is one of the most comprehensive and versatile CRMs in the market.

  • HubSpot is well-designed.

  • HubSpot is easier to use than Apptivo.

  • HubSpot offers a lot more by way of marketing solutions.

  • Apptivo offers a lot more unique features geared toward the service industry.

  • Apptivo has robust invoicing.

  • Apptivo provides more customization opportunities for those that have unique CRM needs.

  • Apptivo Lite plan starts at $15 per user, per month when billed annually.

  • Apptivo Lite plan costs $20 per user, per month without a contract.

  • Apptivo Lite plan is Apptivo's entry-level plan.

  • Apptivo Lite plan includes access to the core features of the Apptivo platform.

  • Apptivo Lite plan includes contact management.

  • Apptivo Lite plan includes project management.

  • Apptivo Lite plan includes up to 25 automated workflows.

  • Apptivo Lite plan has a limit of 100 custom fields.

  • Apptivo Lite plan includes 1 GB of storage.

  • Apptivo Lite plan does not include email marketing campaigns.

  • Apptivo Lite plan does not include SMS marketing.

  • Apptivo Lite plan does not include the ability to integrate with payment gateways.

  • Apptivo Lite plan lacks ecommerce tools.

  • Apptivo Lite plan's automated workflows are based on the number of triggers you set up.

  • Apptivo's starting price billed annually is $15 per user, per month.

  • Zoho CRM offers a free option and a paid plan at $14 per month per user when billed annually.

  • Nimble's starting price billed annually is $24.90 per seat, per month.

  • HubSpot's starting price billed annually is $15 per seat, per month.

  • Apptivo offers a 30-day free trial.

  • Zoho CRM offers a 15-day free trial.

  • Nimble offers a 14-day free trial.

  • HubSpot offers a 14-day free trial.

  • Apptivo provides contact management.

  • Zoho CRM provides contact management.

  • Nimble provides contact management.

  • HubSpot provides contact management.

  • Apptivo includes task management.

  • Zoho CRM includes task management via Zoho Projects.

  • Nimble includes task management.

  • HubSpot includes task management.

  • Apptivo includes sales pipelines.

  • Zoho CRM includes sales pipelines.

  • Nimble includes sales pipelines.

  • HubSpot includes sales pipelines.

  • Apptivo includes workflow automations.

  • Zoho CRM includes workflow automations.

  • Nimble includes workflow automations.

  • HubSpot includes workflow automations.

  • Apptivo includes email marketing.

  • Zoho CRM includes email marketing via Zoho Campaigns.

  • Nimble includes email marketing.

  • HubSpot includes email marketing.

  • Apptivo includes inventory management, available on certain plans.

  • Zoho CRM includes inventory management.

  • Nimble does not include inventory management.

  • HubSpot includes inventory management.

  • Apptivo does not offer lead generation tools.

  • Zoho CRM offers lead generation tools.

  • Nimble offers lead generation tools via web forms.

  • HubSpot offers lead generation tools.

  • Apptivo has built-in invoicing.

  • Zoho CRM has built-in invoicing.

  • Nimble does not have built-in invoicing.

  • HubSpot has built-in invoicing.

  • Apptivo provides reporting.

  • Zoho CRM provides reporting.

  • Nimble provides reporting.

  • HubSpot provides reporting.

  • Apptivo offers 24/7 customer support via phone, email and chat.

  • Zoho CRM offers customer support via phone, email and help center.

  • Nimble offers customer support via email.

  • HubSpot offers customer support via phone, live chat, email and help center.

  • Apptivo Review provides information on Apptivo's features, pros, and cons.

  • Forbes Advisor publishes an Apptivo Review: Features, Pros & Cons.

  • Pipedrive Pricing Plans Guide documents pricing plans for Pipedrive.

  • Salesforce Pricing: Everything You Need To Know explains Salesforce pricing.

  • Freshsales Review covers Freshsales features, pricing, and pros and cons.

  • NetSuite Review: Features, Pricing & More covers NetSuite's features and pricing.

  • Apptivo Lite is $15 per month when billed annually.

  • Apptivo Premium is $25 per month when billed annually.

  • Apptivo Ultimate is $40 per month when billed annually.

  • Apptivo Lite is $20 per month when billed monthly.

  • Apptivo Premium is $30 per month when billed monthly.

  • Apptivo Ultimate is $50 per month when billed monthly.

  • Apptivo Lite has a workflow limit of 25.

  • Apptivo Premium has a workflow limit of 75.

  • Apptivo Ultimate has a workflow limit of 150.

  • Apptivo Lite has a custom fields limit of 100.

  • Apptivo Premium has a custom fields limit of 250.

  • Apptivo Ultimate has a custom fields limit of 350.

  • Apptivo Lite has a custom dashboard limit of 8.

  • Apptivo Premium has a custom dashboard limit of 25.

  • Apptivo Ultimate has a custom dashboard limit of 50.

  • Apptivo Lite has an app limit of 18.

  • Apptivo Premium has an app limit of 46.

  • Apptivo Ultimate has an app limit of 57.

  • Apptivo Lite provides 1 GB of file storage per user.

  • Apptivo Premium provides 3 GB of file storage per user.

  • Apptivo Ultimate provides 10 GB of file storage per user.

  • Apptivo Lite includes Contact Management.

  • Apptivo Premium includes Contact Management.

  • Apptivo Ultimate includes Contact Management.

  • Apptivo Lite includes Project Management.

  • Apptivo Premium includes Project Management.

  • Apptivo Ultimate includes Project Management.

  • Apptivo Lite includes Workflow Automations.

  • Apptivo Premium includes Workflow Automations.

  • Apptivo Ultimate includes Workflow Automations.

  • Apptivo Lite includes IMAP Integration.

  • Apptivo Premium includes IMAP Integration.

  • Apptivo Ultimate includes IMAP Integration.

  • Apptivo Lite includes Email and SMS Marketing.

  • Apptivo Premium includes Email and SMS Marketing.

  • Apptivo Ultimate includes Email and SMS Marketing.

  • Apptivo Lite includes Quotes and Invoices.

  • Apptivo Premium includes Quotes and Invoices.

  • Apptivo Ultimate includes Quotes and Invoices.

  • Apptivo Lite does not include Marketing Automations.

  • Apptivo Premium includes Marketing Automations.

  • Apptivo Ultimate includes Marketing Automations.

  • Apptivo Lite does not offer Send Bulk Emails.

  • Apptivo Premium allows sending 1,000 emails per user per month.

  • Apptivo Ultimate allows sending 3,000 emails per user per month.

  • Apptivo Lite does not include Ecommerce Tools.

  • Apptivo Premium includes Ecommerce Tools.

  • Apptivo Ultimate includes Ecommerce Tools.

  • Apptivo Lite does not include Payment Integrations such as PayPal and Stripe.

  • Apptivo Premium does not include Payment Integrations such as PayPal and Stripe.

  • Apptivo Ultimate includes Payment Integrations such as PayPal and Stripe.

  • Apptivo Lite does not include SMS Marketing.

  • Apptivo Premium does not include SMS Marketing.

  • Apptivo Ultimate includes SMS Marketing.

  • Apptivo Lite does not include Land Page Builder.

  • Apptivo Premium does not include Land Page Builder.

  • Apptivo Ultimate does not include Land Page Builder.

  • Apptivo Lite offers 24/7 Support.

  • Apptivo Premium offers 24/7 Support.

  • Apptivo Ultimate offers 24/7 Support.

  • Apptivo is a cloud-based CRM.

  • Apptivo has vast customization capabilities.

  • Apptivo includes contact management.

  • Apptivo includes task management.

  • Apptivo includes lead management.

  • Apptivo includes opportunity management.

  • Apptivo can send estimates and invoices.

  • Apptivo can automate workflows.

  • Apptivo provides insights to turn raw data into actionable insights.

  • Apptivo offers plans starting at $15 per user per month.

  • Apptivo does not offer a free forever plan.

  • Forbes Advisor ranks Apptivo as one of the best CRMs.

  • Apptivo stands out for financial advisors and service providers because it has built-in estimates and invoicing.

  • Apptivo is a very powerful, feature-rich CRM platform.

  • Apptivo is deeply customizable.

  • Apptivo has one of the most robust invoicing platforms in the market.

  • Apptivo includes automatic lead routing.

  • Apptivo's support is top-rated.

  • Apptivo's entry-level plan starts at $15 per user per month.

  • Apptivo offers a free 30-day trial with no credit card required.

  • Apptivo's interface is dated.

  • Apptivo's user experience is not intuitive.

  • Apptivo is not very user-friendly.

  • Apptivo customizations often require the help of a developer.

  • Apptivo can be slow and clunky.

  • Apptivo does not offer a free plan.

  • Apptivo's paid plans get expensive for those who want email marketing, payments and ecommerce features.

  • HubSpot offers a starting price of Free.

  • HubSpot offers a price of $15 per user per month when billed annually.

  • HubSpot offers a 14-day free trial.

  • HubSpot includes pipeline management.

  • monday CRM offers a starting price of Free.

  • monday CRM costs $12 per user per month for basic features.

  • monday CRM offers a 14-day free trial.

  • monday CRM includes pipeline management.

  • Pipedrive starts at $14 per user per month (billed annually).

  • Pipedrive offers a 14-day free trial.

  • Pipedrive provides pipeline management.

  • Forbes Advisor's editorial team is independent and objective.

  • Forbes Advisor receives compensation from the companies that advertise on the Forbes Advisor site.

  • Forbes Advisor provides paid placements to advertisers to present their offers.

  • Forbes Advisor includes affiliate links to advertisers' offers in some of its articles.

  • Forbes Advisor's affiliate links may generate income for Forbes Advisor when you click on them.

  • Forbes Advisor's compensation from advertisers does not influence the recommendations or advice its editorial team provides.

  • Forbes Advisor cannot guarantee that any information provided is complete.

  • Forbes Advisor does not guarantee the accuracy or applicability of the information it provides.

  • Forbes Advisor lists partners that offer products for which Forbes Advisor has affiliate links.

  • Forbes Media LLC holds the copyright for Forbes Advisor content as of 2026.

  • Forbes Advisor published Apptivo Review: Features, Pros & Cons.

  • Forbes Advisor published QuickBooks Payroll Review: Features, Pros And Cons.

  • Apptivo is a CRM.

  • Forbes Advisor publishes an article titled 'Apptivo Review: Features, Pros & Cons'.

  • Forbes Advisor's Apptivo Review: Features, Pros & Cons includes a section titled 'Apptivo: At a Glance'.

  • Forbes Advisor's Apptivo Review: Features, Pros & Cons includes a section titled 'How Apptivo CRM Works'.

  • Forbes Advisor's Apptivo Review: Features, Pros & Cons includes a section titled 'Apptivo Core Features'.

  • Forbes Advisor's Apptivo Review: Features, Pros & Cons includes a section titled 'What Sets Apptivo Apart'.

  • Forbes Advisor's Apptivo Review: Features, Pros & Cons includes a section titled 'Apptivo Pricing'.

  • Forbes Advisor's Apptivo Review: Features, Pros & Cons includes a section titled 'Apptivo Setup'.

  • Forbes Advisor's Apptivo Review: Features, Pros & Cons includes a section titled 'Ease of Use'.

  • Forbes Advisor's Apptivo Review: Features, Pros & Cons includes a section titled 'Security'.

  • Forbes Advisor's Apptivo Review: Features, Pros & Cons includes a section titled 'Customer Service and Support'.

  • Forbes Advisor's Apptivo Review: Features, Pros & Cons includes a section titled 'Apptivo Alternatives and How They Compare'.

  • Forbes Advisor's Apptivo Review: Features, Pros & Cons includes a section titled 'Who is Apptivo Best For?'.

  • Forbes Advisor's Apptivo Review: Features, Pros & Cons includes a section titled 'Conclusion'.

  • Forbes Advisor's Apptivo Review: Features, Pros & Cons includes a section titled 'Frequently Asked Questions (FAQs)'.

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<style>
	.article__editors-note-bottom .disclosure-link{
        color: #929a9b;
        text-decoration: underline;
    }
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.title-text{background:#171717;color:#fcfcfc;cursor:pointer;display:contents;font-family:Work Sans,sans-serif;font-size:14px;font-weight:400;letter-spacing:-.2px;line-height:24px;position:relative;width:82%}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .title-text{padding-right:10px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title a,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .title-text a{display:block}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title .chevron-arrow,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .title-text .chevron-arrow{margin-left:12px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .no-child-menu{border-right:0;display:inline-block;padding:9px 10px 9px 16px;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .no-child-menu:hover{background-color:hsla(0,0%,100%,.039);text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .paid-link-text{color:#bbb;display:inline;font-family:Work Sans,sans-serif;font-size:12px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper{align-items:center;display:flex;justify-content:space-between;padding:9px 12px 9px 16px;position:relative}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper:hover{background-color:hsla(0,0%,100%,.039)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper:hover .title-text{text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title{cursor:pointer}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .chevron-arrow{border-left:1px solid #333;display:inline-block;padding:13px 16px 12px 21px;position:relative}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .chevron-arrow:after{border:solid #fcfcfc;border-width:0 3px 3px 0;content:"";display:inline-block;margin-left:auto;padding:3px;position:absolute;right:12px;top:9px;transform:rotate(45deg);-webkit-transform:rotate(45deg)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .chevron-arrow:after{top:11px;transform:rotate(-135deg);-webkit-transform:rotate(-135deg)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu .title-wrap{background:#171717;display:block;font-family:Work Sans,sans-serif;font-size:12px;font-weight:400;line-height:16px;padding:12px 9px 12px 40px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu .title-wrap:hover{background-color:hsla(0,0%,100%,.039);text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a{cursor:pointer;display:inline-block;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a:hover{text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-static-list{cursor:revert;padding:12px 8px 12px 14px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list{padding:12px 8px 12px 16px}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list:hover{background-color:hsla(0,0%,100%,.078)}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap{align-items:center;display:flex;justify-content:space-between}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-text{width:92%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-icon{cursor:pointer}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap{padding:12px 16px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-text{height:25.5px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-text.first-link{height:24px}}@media (min-width:1440px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap{padding:12px 16px 12px 24px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap>a{align-items:center;color:#fcfcfc;display:flex;font-family:Work Sans,sans-serif;font-size:18px;font-weight:400;justify-content:space-between;letter-spacing:-.2px;line-height:24px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .link-icon{fill:#fff;height:24px;width:24px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .icon-hidden{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .menu-tab{align-items:center;display:flex;justify-content:space-between}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .sub-menu .sub-menu-item:last-child{margin-bottom:190px}@media screen and (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .sub-menu .sub-menu-item:last-child{margin-bottom:50px}}#custom-header-wrapper .header__nav .wp-menu .news-letter-wrap{margin:5px 0 5px 16px}@media screen and (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .news-letter-subscribe{maring:0;display:none}}#custom-header-wrapper .header__nav .wp-menu .static-links{color:#fcfcfc;cursor:pointer;display:inline-block;font-family:Work Sans,sans-serif;font-size:10px;font-weight:400;letter-spacing:-.2px;line-height:12px;width:100%}#custom-header-wrapper .header__nav .wp-menu .static-links.forbes-text{cursor:revert}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu{border-top:none;padding:18px 0 0}#custom-header-wrapper .header__nav .wp-menu .news-letter-wrap{margin:0}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list{padding:0}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-static-list{height:36px;line-height:10px;padding-right:14px}#custom-header-wrapper .header__nav .wp-menu .sub-menu{margin-top:5px;padding:16px 0 11px}#custom-header-wrapper .header__nav .wp-menu .sub-menu .sub-menu-1{margin-top:-16px}}#custom-header-wrapper .search_icon{align-items:center;display:inline-flex;height:100%;padding:0 16px;position:absolute;right:0;width:auto}#custom-header-wrapper .search_icon_svg{cursor:pointer;height:24px;padding-left:16px;position:relative}#custom-header-wrapper .search_icon_svg svg{height:24px;width:24px}#custom-header-wrapper .search_icon_svg .sparkels-icon{height:18px;position:absolute;right:-6px;top:-6px;width:18px}@media screen and (min-width:768px){#custom-header-wrapper .search_icon_svg .sparkels-icon{right:2px;top:2px}}#custom-header-wrapper .subscribe-button{align-items:center;background:#dc0000;border-radius:5px;color:#fff;cursor:pointer;display:flex;font-family:Work Sans,sans-serif;font-size:12px;font-weight:600;height:32px;justify-content:center;letter-spacing:-.2px;line-height:0px;min-width:90px;padding-top:1px}#custom-header-wrapper .subscribe-button:hover{background-color:#c20000}@media screen and (min-width:768px){#custom-header-wrapper .search_icon{padding:0 16px 0 24px}#custom-header-wrapper .search_icon_svg{border-radius:50%;height:40px;padding:8px;width:40px}#custom-header-wrapper .search_icon_svg:hover{background-color:#383838}#custom-header-wrapper .subscribe-button{font-size:14px;height:40px;line-height:0px;margin-right:16px;min-width:99px}#custom-header-wrapper .md-inline-block{display:inline-block!important}}#custom-header-wrapper .p-24px{padding:24px}#custom-header-wrapper .w-5{width:20px}#custom-header-wrapper .h-3{height:12px}#custom-header-wrapper .mx-20px{margin-left:20px;margin-right:20px}#custom-header-wrapper .pb-12px{padding-bottom:12px}#custom-header-wrapper .fixed{position:fixed}#custom-header-wrapper .z-50{z-index:50}#custom-header-wrapper .h-screen{height:100vh}#custom-header-wrapper .w-full{width:100%}#custom-header-wrapper .mx-5{margin-left:1.25rem!important;margin-right:1.25rem!important}#custom-header-wrapper .bg-white{background-color:#fff}#custom-header-wrapper .p-6{padding:1.5rem}#custom-header-wrapper .rounded-5px{border-radius:5px}#custom-header-wrapper .text-333333{color:#333}#custom-header-wrapper .pb-3{padding-bottom:.75rem}#custom-header-wrapper .border-light{border-color:#ddd}#custom-header-wrapper .text-20px{font-size:20px}@media screen and (min-width:768px){#custom-header-wrapper .md-hidden{display:none!important}}#custom-header-wrapper .font-euclidcircularb,#custom-header-wrapper .font-euclidcircularb-regular{font-family:EuclidCircularB,sans-serif;font-weight:400}#custom-header-wrapper .font-bold{font-weight:700}#custom-header-wrapper .mt-6{margin-top:1.5rem}#custom-header-wrapper .mt-24px{margin-top:24px}#custom-header-wrapper .w-24px{width:24px}#custom-header-wrapper .h-16px{height:16px}#custom-header-wrapper .mr-26px{margin-right:26px}#custom-header-wrapper .w-6{width:1.5rem}#custom-header-wrapper .h-4{height:1rem}#custom-header-wrapper .mr-15px{margin-right:15px}#custom-header-wrapper .pos-r{position:relative}#custom-header-wrapper .ml-auto,#custom-header-wrapper .mx-auto{margin-left:auto!important}#custom-header-wrapper .mr-auto,#custom-header-wrapper .mx-auto{margin-right:auto!important}#custom-header-wrapper .text-18px{font-size:18px}#custom-header-wrapper .text-white{color:#fff}#custom-header-wrapper .ml-6px{margin-left:6px}#custom-header-wrapper .mt-10px{margin-top:10px}#custom-header-wrapper .mt-3{margin-top:.75rem}@media screen and (min-width:768px){#custom-header-wrapper .md-mt-3{margin-top:.75rem}#custom-header-wrapper .md-text-20px{font-size:20px}}#custom-header-wrapper .mr-50px{margin-right:50px}@media screen and (min-width:768px){#custom-header-wrapper .md-mr-50px{margin-right:50px}}#custom-header-wrapper .flex-col{flex-direction:column}#custom-header-wrapper .min-h-screen{min-height:100vh}@media screen and (min-width:768px){#custom-header-wrapper .xl-hover-underline:hover{text-decoration:underline}}#custom-header-wrapper .hidden{display:none}#custom-header-wrapper .cursor-pointer{cursor:pointer}#custom-header-wrapper .relative{position:relative}#custom-header-wrapper .h-full{height:100%}#custom-header-wrapper .items-center{align-items:center}@media screen and (min-width:768px){#custom-header-wrapper .md-text-gray-500{color:#333}}#custom-header-wrapper .border-gray-200{border-color:#ddd}#custom-header-wrapper .border-b-1{border-bottom:1px solid;border-color:#333}#custom-header-wrapper .border-none{border-style:none}@media screen and (min-width:768px){#custom-header-wrapper .md-flex{display:flex}}#custom-header-wrapper .flex{display:flex}#custom-header-wrapper .block{display:block}#custom-header-wrapper .inline-flex{display:inline-flex}#custom-header-wrapper .mr-6{margin-right:1.5rem}#custom-header-wrapper .text-14px{font-size:14px}@media screen and (min-width:768px){#custom-header-wrapper .md-mr-0{margin-right:0!important}}@media (min-width:768px){#custom-header-wrapper .md-pr-2{padding-right:.5rem}#custom-header-wrapper .md-pr-8px{padding-right:8px}}#custom-header-wrapper .mr-24px{margin-right:24px}#custom-header-wrapper .font-normal{font-weight:400}#custom-header-wrapper .font-worksans{font-family:Work Sans,sans-serif}#custom-header-wrapper .subpixel-antialiased{-webkit-font-smoothing:auto;-moz-osx-font-smoothing:auto}#custom-header-wrapper .w-20px{width:20px}#custom-header-wrapper .h-12px{height:12px}@media screen and (min-width:768px){#custom-header-wrapper .md-inline-flex{display:inline-flex}}#custom-header-wrapper .absolute{position:absolute}#custom-header-wrapper .top-0{top:0}#custom-header-wrapper .right-0{right:0}#custom-header-wrapper .bg-181716{background-color:#181716}#custom-header-wrapper .mt-2px{margin-top:2px}#custom-header-wrapper .overflow-y-auto{overflow-y:auto}#custom-header-wrapper .py-14px{padding-bottom:14px;padding-top:14px}#custom-header-wrapper .px-18px{padding-left:18px;padding-right:18px}#custom-header-wrapper .pr-27px{padding-right:27px}#custom-header-wrapper .pr-2{padding-right:.5rem!important}#custom-header-wrapper .font-medium{font-weight:500}#custom-header-wrapper .ml-auto{margin-left:auto!important}#custom-header-wrapper .mr-5px{margin-right:5px}#custom-header-wrapper .mr-10px{margin-right:10px}#custom-header-wrapper .leading-normal{line-height:1.5}#custom-header-wrapper .text-base{font-size:1rem}#custom-header-wrapper .text-bfc8fb{color:#bfc8fb}#custom-header-wrapper .outline-none{outline:2px solid transparent;outline-offset:2px}#custom-header-wrapper .main-menu-wrap>a,#custom-header-wrapper .xl-hover-underline{color:#fcfcfc}#custom-header-wrapper .bottom-close-menu a{color:#7d7d7d}#custom-header-wrapper .region-selector-mob *{font-size:16px}#custom-header-wrapper .region-selector-mobile *{line-height:20px}#custom-header-wrapper .outline-none-all-children *{outline:none}.site-wrapper.sticky{padding-top:56px!important}.disable-scroll{overflow:hidden}.mobile-sticky-ed-placeholder{z-index:100000!important}.object-center{-o-object-position:center;object-position:center}.object-cover{-o-object-fit:cover;object-fit:cover}.video-wrapper{height:0;margin-bottom:20px;max-width:100%;overflow:hidden;padding-bottom:56.25%;position:relative}.video-wrapper iframe{border:0;height:100%;left:0;position:absolute;top:0;width:100%}
</style>
<div id="custom-header-wrapper">
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</style><!-- fadv:ignore-wpautop --><div class="author-wrap total_author_2"><div class="authors-container regular-template__container "><div class="author_container primary-author" data-ecom-container='{"componentTitle":"Multiple Authors","componentType":"Forbes Multiple Authors Settings"}' ><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/kmain/" class="mobile-disabled-link" data-ecom-link='{"clickText":"Kelly Main","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kmain\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/12/Kelly-Main-e1701413756682-88x88.jpg" alt="Kelly Main" width="24px" height="24px"></a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/12/Kelly-Main-e1701413756682-88x88.jpg" alt="Kelly Main" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/kmain/" target="_blank" data-ecom-link='{"clickText":"Kelly Main","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kmain\/","clickType":"internal"}'>Kelly Main</a><span class="author-role">Former Staff Writer</span></div></div><div class="middle-content">Kelly Main is a Marketing Editor and Writer specializing in digital marketing, online advertising and web design and development. Before joining the team, she was a Content Producer at Fit Small Business where she served as an editor and strategist c...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/kellymain/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/kellymain\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/kmain/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kmain\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/12/Kelly-Main-e1701413756682-88x88.jpg" alt="Kelly Main" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/kmain/" target="_blank" data-ecom-link='{"clickText":"Kelly Main","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kmain\/","clickType":"internal"}'>Kelly Main</a><span class="author-role">Former Staff Writer</span></div></div><div class="middle-content">Kelly Main is a Marketing Editor and Writer specializing in digital marketing, online advertising and web design and development. Before joining the team, she was a Content Producer at Fit Small Business where she served as an editor and strategist c...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/kellymain/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/kellymain\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/kmain/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kmain\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="title-wrap"><div class="title-top-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/kmain/" data-ecom-link='{"clickText":"Kelly Main","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kmain\/","clickType":"internal"}' target="_blank">Kelly Main </a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/12/Kelly-Main-e1701413756682-88x88.jpg" alt="Kelly Main" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/kmain/" target="_blank" data-ecom-link='{"clickText":"Kelly Main","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kmain\/","clickType":"internal"}'>Kelly Main</a><span class="author-role">Former Staff Writer</span></div></div><div class="middle-content">Kelly Main is a Marketing Editor and Writer specializing in digital marketing, online advertising and web design and development. Before joining the team, she was a Content Producer at Fit Small Business where she served as an editor and strategist c...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/kellymain/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/kellymain\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/kmain/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kmain\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/12/Kelly-Main-e1701413756682-88x88.jpg" alt="Kelly Main" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/kmain/" target="_blank" data-ecom-link='{"clickText":"Kelly Main","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kmain\/","clickType":"internal"}'>Kelly Main</a><span class="author-role">Former Staff Writer</span></div></div><div class="middle-content">Kelly Main is a Marketing Editor and Writer specializing in digital marketing, online advertising and web design and development. Before joining the team, she was a Content Producer at Fit Small Business where she served as an editor and strategist c...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/kellymain/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/kellymain\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/kmain/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kmain\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Former Staff Writer </div></div></div></div></div></div><div class="author_with-badge-details author_container hide-in-mobile secondary-author" data-ecom-container='{"componentTitle":"Author with badge","componentType":"Forbes Author\/Advisory Board"}'><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-img-badge author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/kaditham/" class="mobile-disabled-link" data-ecom-link='{"clickText":"Kiran Aditham","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kaditham\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/06/TDGSJ6TJN-U058TDS8PL5-df35fe8d0f2c-512-88x88.jpeg" alt="Kiran Aditham" width="24px" height="24px"></a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/06/TDGSJ6TJN-U058TDS8PL5-df35fe8d0f2c-512-88x88.jpeg' alt='Kiran Aditham' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/kaditham/" target="_blank" data-ecom-link='{"clickText":"Kiran Aditham","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kaditham\/","clickType":"internal"}'>Kiran Aditham</a><span class="author-role">Former Staff Editor</span></div></div><div class="middle-content">With 20 years of experience, Kiran Aditham has navigated the field in editorial and writing, from working with major pubs like Adweek, AdAge and PSFK. Kiran is a former deputy editor at Forbes Advisor</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/kiran-aditham-402705b1" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/kiran-aditham-402705b1","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/kaditham/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kaditham\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/06/TDGSJ6TJN-U058TDS8PL5-df35fe8d0f2c-512-88x88.jpeg' alt='Kiran Aditham' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/kaditham/" target="_blank" data-ecom-link='{"clickText":"Kiran Aditham","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kaditham\/","clickType":"internal"}'>Kiran Aditham</a><span class="author-role">Former Staff Editor</span></div></div><div class="middle-content">With 20 years of experience, Kiran Aditham has navigated the field in editorial and writing, from working with major pubs like Adweek, AdAge and PSFK. Kiran is a former deputy editor at Forbes Advisor</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/kiran-aditham-402705b1" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/kiran-aditham-402705b1","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/kaditham/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kaditham\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="right_wrap"><div class="title-wrap"><div class="title-top-wrap"><div class="prefix-text">Reviewed</div><div class="name author-byline-hoverover author-badge-name"><a href="https://www.forbes.com/advisor/author/kaditham/" data-ecom-link='{"clickText":"Kiran Aditham","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kaditham\/","clickType":"internal"}' target="_blank" class="mobile-disabled-link">Kiran Aditham</a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/06/TDGSJ6TJN-U058TDS8PL5-df35fe8d0f2c-512-88x88.jpeg' alt='Kiran Aditham' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/kaditham/" target="_blank" data-ecom-link='{"clickText":"Kiran Aditham","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kaditham\/","clickType":"internal"}'>Kiran Aditham</a><span class="author-role">Former Staff Editor</span></div></div><div class="middle-content">With 20 years of experience, Kiran Aditham has navigated the field in editorial and writing, from working with major pubs like Adweek, AdAge and PSFK. Kiran is a former deputy editor at Forbes Advisor</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/kiran-aditham-402705b1" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/kiran-aditham-402705b1","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/kaditham/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kaditham\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/06/TDGSJ6TJN-U058TDS8PL5-df35fe8d0f2c-512-88x88.jpeg' alt='Kiran Aditham' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/kaditham/" target="_blank" data-ecom-link='{"clickText":"Kiran Aditham","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kaditham\/","clickType":"internal"}'>Kiran Aditham</a><span class="author-role">Former Staff Editor</span></div></div><div class="middle-content">With 20 years of experience, Kiran Aditham has navigated the field in editorial and writing, from working with major pubs like Adweek, AdAge and PSFK. Kiran is a former deputy editor at Forbes Advisor</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/kiran-aditham-402705b1" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/kiran-aditham-402705b1","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/kaditham/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kaditham\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Former Staff Editor </div></div></div></div></div></div></div></div><div class="more-author"><span class="text">& 1 other</span><div class="arrow-icon rotate"></div></div></div><div class="ask-the-editor-wrapper"><div class="regular-template__container"><div class="ask-the-editor-wrap ask-the-editor"><div class="ask-the-editor-ques">Have a question we may not have answered? 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    Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.
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                <h2 class="verdict-label">Our Verdict</h2>
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                                <h2 class="verdict-label-mobile">Our Verdict</h2>
                                                <div class="verdict-content wysiwyg-content">
                    <p>Apptivo is a unified customer relationship management (CRM) platform that is designed to scale with growing businesses. It offers contact, lead, opportunity and task management as well as quotes and invoices and numerous features, such as workflow automations, round-robin lead assignment, lead scoring, email and SMS) automation, follow-up management, custom reports and more. However, it’s not the most affordable or user-friendly CRM in the market so to help you decide if it&#8217;s right for your team, we put it to the test with our hands-on Apptivo review.</p>

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                                                <div class="pc-section pros-section">
                            <h3><span class="pros-icon pc-icon"></span> Pros</h3>
                            <ul>
<li>Competitively priced plans starting at $15 per user, per month</li>
<li>Monthly and annual billing options</li>
<li>Very powerful, feature-rich platform</li>
<li>Automatic lead routing for sales teams</li>
<li>Built-in estimates and invoicing</li>
<li>Deeply customizable CRM</li>
<li>Top-rated customer support</li>
<li>Free 30-day trial</li>
</ul>
                        </div>
                                                                        <div class="pc-section cons-section">
                            <h3><span class="cons-icon pc-icon"></span> Cons</h3>
                            <ul>
<li>Steep learning curve</li>
<li>Customizations often require a developer</li>
<li>No free plan</li>
<li>Can be slow</li>
<li>Dated interface</li>
<li>Limited email marketing tools</li>
</ul>
                        </div>
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		<div class="rating-value">4.4</div>
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                                Starting price
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                                $15 per user, per month (billed annually)
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                                Free trial
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                                30 days (no credit card required)
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                                Standout features
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                                Highly customizable, robust invoicing and top-rated support
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                                                                            <div class="toc" data-ecom-container='{"componentTitle":"Table Of Contents Section","componentType":"Table Of Contents Block"}'>
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        <h2 class="toc__title">Table of Contents</h2>
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                                                                                <li><a href="#apptivo_at_a_glance_section" data-ecom-misc-click='{"clickText":"Apptivo: At a Glance","clickType":"Jump Link","referenceText":""}'>Apptivo: At a Glance</a></li>
                                                                                                    <li><a href="#how_apptivo_crm_works_section" data-ecom-misc-click='{"clickText":"How Apptivo CRM Works","clickType":"Jump Link","referenceText":""}'>How Apptivo CRM Works</a></li>
                                                                                                    <li><a href="#apptivo_core_features_section" data-ecom-misc-click='{"clickText":"Apptivo Core Features","clickType":"Jump Link","referenceText":""}'>Apptivo Core Features</a></li>
                                                                                                    <li><a href="#what_sets_apptivo_apart_section" data-ecom-misc-click='{"clickText":"What Sets Apptivo Apart","clickType":"Jump Link","referenceText":""}'>What Sets Apptivo Apart</a></li>
                                                                                                    <li><a href="#apptivo_pricing_section" data-ecom-misc-click='{"clickText":"Apptivo Pricing","clickType":"Jump Link","referenceText":""}'>Apptivo Pricing</a></li>
                                                                                                    <li><a href="#apptivo_setup_section" data-ecom-misc-click='{"clickText":"Apptivo Setup","clickType":"Jump Link","referenceText":""}'>Apptivo Setup</a></li>
                                                                                                    <li><a href="#ease_of_use_section" data-ecom-misc-click='{"clickText":"Ease of Use","clickType":"Jump Link","referenceText":""}'>Ease of Use</a></li>
                                                                                                    <li><a href="#security_section" data-ecom-misc-click='{"clickText":"Security","clickType":"Jump Link","referenceText":""}'>Security</a></li>
                                                                                                    <li><a href="#customer_service_and_support_section" data-ecom-misc-click='{"clickText":"Customer Service and Support","clickType":"Jump Link","referenceText":""}'>Customer Service and Support</a></li>
                                                                                                    <li><a href="#apptivo_alternatives_and_how_they_compare_section" data-ecom-misc-click='{"clickText":"Apptivo Alternatives and How They Compare","clickType":"Jump Link","referenceText":""}'>Apptivo Alternatives and How They Compare</a></li>
                                                                                                    <li><a href="#who_is_apptivo_best_for_section" data-ecom-misc-click='{"clickText":"Who is Apptivo Best For?","clickType":"Jump Link","referenceText":""}'>Who is Apptivo Best For?</a></li>
                                                                                                    <li><a href="#conclusion_section" data-ecom-misc-click='{"clickText":"Conclusion","clickType":"Jump Link","referenceText":""}'>Conclusion</a></li>
                                                                                                    <li><a href="#frequently_asked_questions_faqs_section" data-ecom-misc-click='{"clickText":"Frequently Asked Questions (FAQs)","clickType":"Jump Link","referenceText":""}'>Frequently Asked Questions (FAQs)</a></li>
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                <h2>Apptivo: At a Glance</h2>                                <div class="section-content asd" >
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<li>Apptivo is a cloud-based CRM that stands out for its vast customization capabilities and incredibly helpful support.</li>
<li>Its feature-rich platform includes contact, task, lead and opportunity management, as well as many other features includes the ability to send estimates and invoices, automate workflows and insights to help users turn raw data into actionable insights.</li>
<li>While it is a competitively-priced CRM with plans starting at $15 per user, per month, it does not offer a free forever plan like many of its leading competitors.</li>
<li>Apptivo ranks as one of the best CRMs, according to the expert team at Forbes Advisor. It stands out for <span data-ecom-container='{"componentTitle":"financial advisors","componentType":"Incontent Link"}' ><a href="https://www.forbes.com/advisor/business/software/best-crm-financial-advisors/" target="_blank" rel="noopener"data-ecom-link='{"clickText":"financial advisors","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/best-crm-financial-advisors\/","clickType":"internal"}'>financial advisors</a></span> and service providers in general, thanks to its robust platform with built-in estimates and invoicing so that users can stay on top of client and customer billing seamlessly.</li>
</ul>
<p><b>Pros</b><br />
Apptivo is a very powerful, feature-rich platform that is a CRM and a whole lot more. It is deeply customizable, giving users with uncommon needs the ability to create the platform that suits them. It has one of the most robust invoicing platforms in the market and includes helpful features for sales teams, such as automatic lead routing, and its support is top-rated. Its entry-level plan is competitively priced starting at $15 per user, per month, and it offers a free 30-day trial―no credit card required―to help new users decide if it&#8217;s right for them.</p>
<p><b>Cons</b><br />
While Apptivo may have several advantages, it also has many disadvantages. To start, its interface is dated and has a fairly poor user experience for those who have come to expect software to be intuitive. This lends to a steeper-than-average learning curve and to make matters worse since it is not very user-friendly, customizations often require the help of a developer. On top of that, it can be slow and clunky and, in terms of cost, it does not offer a free plan and its paid plans get expensive for those who want email marketing, payments and ecommerce features.</p>
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.btn-wrapper.secondary-btn-wrapper .get-estimate-cta svg path{fill:#007ac8}.page-template #featured-partners .featured-partners-card .right .btn-wrapper p.cta-subtext,.post-template #featured-partners .featured-partners-card .right .btn-wrapper p.cta-subtext,.post-template-default #featured-partners .featured-partners-card .right .btn-wrapper p.cta-subtext{font-family:Work Sans,sans-serif!important}@media (min-width:1025px){.page-template #featured-partners .featured-partners-card .right .btn-wrapper p.cta-subtext,.post-template #featured-partners .featured-partners-card .right .btn-wrapper p.cta-subtext,.post-template-default #featured-partners .featured-partners-card .right .btn-wrapper p.cta-subtext{font-family:Work Sans,sans-serif!important}}.page-template #featured-partners .work-with-us-container,.post-template #featured-partners .work-with-us-container,.post-template-default #featured-partners .work-with-us-container{background:#f3f5fb}.page-template #featured-partners .featured-partners-disclosure-text,.post-template #featured-partners .featured-partners-disclosure-text,.post-template-default #featured-partners .featured-partners-disclosure-text{font-family:Work Sans,sans-serif}</style><div id="featured-partners" class="multi-featured-products count-3 with-fp-disclosure-icon " data-ecom-container='{"componentTitle":"CRM Partners","componentType":"Featured Partners Global Widget ShortCode"}'><p class="featured-partners-heading">CRM Partners</p><div class="fp-wrapper " data-ecom-list='{"listName":"Business_\/advisor\/business\/software\/apptivo-review\/_Featured Partners Global Widgets_0","listId":"Business_\/advisor\/business\/software\/apptivo-review\/_Featured Partners Global Widgets_0","resultsCount":3,"appliedFilters":"","pageNumber":1}'><div class="featured-partner-wrapper"><div class="fp-disclosure-text">Advertisement</div><div class="fp-disclosure-icon-wrapper pointer tooltip-tippy-fp" title="We receive compensation from our partners for Featured Offer placements. This compensation impacts how and where their product or service is displayed but in no way affects our ratings, which are based on thorough research, solid methodologies and expert advice." ><svg class="inline-svg" width="14" height="14" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M7 0C3.13438 0 0 3.13438 0 7C0 10.8656 3.13438 14 7 14C10.8656 14 14 10.8656 14 7C14 3.13438 10.8656 0 7 0ZM7 12.8125C3.79063 12.8125 1.1875 10.2094 1.1875 7C1.1875 3.79063 3.79063 1.1875 7 1.1875C10.2094 1.1875 12.8125 3.79063 12.8125 7C12.8125 10.2094 10.2094 12.8125 7 12.8125Z" fill="#999999"/><path d="M6.25 4.25C6.25 4.44891 6.32902 4.63968 6.46967 4.78033C6.61032 4.92098 6.80109 5 7 5C7.19891 5 7.38968 4.92098 7.53033 4.78033C7.67098 4.63968 7.75 4.44891 7.75 4.25C7.75 4.05109 7.67098 3.86032 7.53033 3.71967C7.38968 3.57902 7.19891 3.5 7 3.5C6.80109 3.5 6.61032 3.57902 6.46967 3.71967C6.32902 3.86032 6.25 4.05109 6.25 4.25ZM7.375 6H6.625C6.55625 6 6.5 6.05625 6.5 6.125V10.375C6.5 10.4437 6.55625 10.5 6.625 10.5H7.375C7.44375 10.5 7.5 10.4437 7.5 10.375V6.125C7.5 6.05625 7.44375 6 7.375 6Z" fill="#999999"/></svg></div></div><div class="featured-partners-container"><div class="featured-partners-card" data-ecom-container='{"componentTitle":"HubSpot","componentType":"Generic Product"}'><div class="inner-wrapper " data-ecom-product='{"itemId":"758576","itemName":"HubSpot","itemBrand":"Impact","itemCategory":"Business","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Impact","coupon":"","secondaryCallout":"","initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">1</p><p class="single-heading-text">HubSpot</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Starting Price </div><p class="value">Free; $15 per user per month (billed annually)</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Free Trial </div><p class="value">14 days</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Pipeline Management </div><p class="value">Yes</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">1</p><p class="card-title">HubSpot</p></div></div><div class="star-content-wrapper"><a href=https://hubspot.sjv.io/c/1955282/1792839/12893 target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://hubspot.sjv.io/c/1955282/1792839/12893" data-component-title="Featured Partner Widget" data-product-name="HubSpot" data-product-category="Featured Product (Business)" data-product-position="1" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="758576" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/hubspot.sjv.io\/c\/1955282\/1792839\/12893","partnerName":"Impact"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/12/Hubspot.png" alt="HubSpot" /></a><div class="rating-wrapper"></div></div></div><div class="logo-wrapper no-telephone-number"><a href=https://hubspot.sjv.io/c/1955282/1792839/12893 target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://hubspot.sjv.io/c/1955282/1792839/12893" data-component-title="Featured Partner Widget" data-product-name="HubSpot" data-product-category="Featured Product (Business)" data-product-position="1" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="758576" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/hubspot.sjv.io\/c\/1955282\/1792839\/12893","partnerName":"Impact"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/12/Hubspot.png" alt="HubSpot" /></a></div><div class="btn-wrapper"><a href="https://hubspot.sjv.io/c/1955282/1792839/12893" class="get-estimate-cta fp-widget-cta-event track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://hubspot.sjv.io/c/1955282/1792839/12893" data-component-title="Featured Partner Widget" data-product-name="HubSpot" data-product-category="Featured Product (Business)" data-product-position="1" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="758576" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/hubspot.sjv.io\/c\/1955282\/1792839\/12893","partnerName":"Impact"}' ><span class="arrow-wrapper">Learn More <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 13.079C7.41446 13.3226 7.51781 13.5556 7.70041 13.7237C7.87432 13.9001 8.11546 14 8.36763 14C8.61979 14 8.86094 13.9001 9.03484 13.7237L15.2292 7.73677C15.6111 7.31491 15.6111 6.68509 15.2292 6.26323L9.03335 0.276315C8.85945 0.0998659 8.6183 0 8.36614 0C8.11397 0 7.87283 0.0998659 7.69893 0.276315H7.69892C7.51632 0.444355 7.41297 0.677368 7.41297 0.921031C7.41297 1.16469 7.51632 1.39771 7.69892 1.56575L12.3691 6.07841L1.69287 6.07841C1.43556 6.06334 1.18389 6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On HubSpot's Website</p></div><div class="secondary-cta-container"></div></div></div></div><div class="featured-partners-card" data-ecom-container='{"componentTitle":"monday CRM","componentType":"Generic Product"}'><div class="inner-wrapper " data-ecom-product='{"itemId":"518486","itemName":"monday CRM","itemBrand":"Monday.com","itemCategory":"Business","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Monday.com","coupon":"","secondaryCallout":"","initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">2</p><p class="single-heading-text">monday CRM</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Starting Price </div><p class="value">Free; $12 per user per month for basic features</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Free trial </div><p class="value">14 days</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Pipeline Management </div><p class="value">Yes</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">2</p><p class="card-title">monday CRM</p></div></div><div class="star-content-wrapper"><a href=https://monday.com/lp/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://monday.com/lp/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm" data-component-title="Featured Partner Widget" data-product-name="monday CRM" data-product-category="Business (Featured Partner)" data-product-position="2" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="518486" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/monday.com\/lp\/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm","partnerName":"Monday.com"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2025/11/monday-CRM-logo.png" alt="monday CRM" /></a><div class="rating-wrapper"></div></div></div><div class="logo-wrapper no-telephone-number"><a href=https://monday.com/lp/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://monday.com/lp/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm" data-component-title="Featured Partner Widget" data-product-name="monday CRM" data-product-category="Business (Featured Partner)" data-product-position="2" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="518486" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/monday.com\/lp\/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm","partnerName":"Monday.com"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2025/11/monday-CRM-logo.png" alt="monday CRM" /></a></div><div class="btn-wrapper"><a href="https://monday.com/lp/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm" class="get-estimate-cta fp-widget-cta-event track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://monday.com/lp/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm" data-component-title="Featured Partner Widget" data-product-name="monday CRM" data-product-category="Business (Featured Partner)" data-product-position="2" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="518486" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/monday.com\/lp\/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm","partnerName":"Monday.com"}' ><span class="arrow-wrapper">Learn More <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 13.079C7.41446 13.3226 7.51781 13.5556 7.70041 13.7237C7.87432 13.9001 8.11546 14 8.36763 14C8.61979 14 8.86094 13.9001 9.03484 13.7237L15.2292 7.73677C15.6111 7.31491 15.6111 6.68509 15.2292 6.26323L9.03335 0.276315C8.85945 0.0998659 8.6183 0 8.36614 0C8.11397 0 7.87283 0.0998659 7.69893 0.276315H7.69892C7.51632 0.444355 7.41297 0.677368 7.41297 0.921031C7.41297 1.16469 7.51632 1.39771 7.69892 1.56575L12.3691 6.07841L1.69287 6.07841C1.43556 6.06334 1.18389 6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On monday.com's Website</p></div><div class="secondary-cta-container"></div></div></div></div><div class="featured-partners-card" data-ecom-container='{"componentTitle":"Pipedrive","componentType":"Generic Product"}'><div class="inner-wrapper " data-ecom-product='{"itemId":"756844","itemName":"Pipedrive","itemBrand":"Short.io","itemCategory":"Business","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Short.io","coupon":"","secondaryCallout":"","initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">3</p><p class="single-heading-text">Pipedrive</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Starting Price </div><p class="value">$14 per user per month (billed annually)</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Free Trial </div><p class="value">14 days</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Pipeline Management </div><p class="value">Yes</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">3</p><p class="card-title">Pipedrive</p></div></div><div class="star-content-wrapper"><a href=https://mktp.us/Pipedrive target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://mktp.us/Pipedrive" data-component-title="Featured Partner Widget" data-product-name="Pipedrive" data-product-category="NA" data-product-position="3" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="756844" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/mktp.us\/Pipedrive","partnerName":"Short.io"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/04/Pipedrive_Logo_Green__2_-removebg-preview.png" alt="Pipedrive" /></a><div class="rating-wrapper"></div></div></div><div class="logo-wrapper no-telephone-number"><a href=https://mktp.us/Pipedrive target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://mktp.us/Pipedrive" data-component-title="Featured Partner Widget" data-product-name="Pipedrive" data-product-category="NA" data-product-position="3" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="756844" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/mktp.us\/Pipedrive","partnerName":"Short.io"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/04/Pipedrive_Logo_Green__2_-removebg-preview.png" alt="Pipedrive" /></a></div><div class="btn-wrapper"><a href="https://mktp.us/Pipedrive" class="get-estimate-cta fp-widget-cta-event track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://mktp.us/Pipedrive" data-component-title="Featured Partner Widget" data-product-name="Pipedrive" data-product-category="NA" data-product-position="3" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="756844" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/mktp.us\/Pipedrive","partnerName":"Short.io"}' ><span class="arrow-wrapper">Learn More <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 13.079C7.41446 13.3226 7.51781 13.5556 7.70041 13.7237C7.87432 13.9001 8.11546 14 8.36763 14C8.61979 14 8.86094 13.9001 9.03484 13.7237L15.2292 7.73677C15.6111 7.31491 15.6111 6.68509 15.2292 6.26323L9.03335 0.276315C8.85945 0.0998659 8.6183 0 8.36614 0C8.11397 0 7.87283 0.0998659 7.69893 0.276315H7.69892C7.51632 0.444355 7.41297 0.677368 7.41297 0.921031C7.41297 1.16469 7.51632 1.39771 7.69892 1.56575L12.3691 6.07841L1.69287 6.07841C1.43556 6.06334 1.18389 6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On Pipedrive's Website</p></div><div class="secondary-cta-container"></div></div></div></div></div></div></div><!-- /fadv:ignore-wpautop -->                </div>
            </div>
            <hr/>            <div id="how_apptivo_crm_works_section"
                    class="article-section " data-ecom-container='{"componentTitle":"How Apptivo CRM Works","componentType":"Generic"}'>
                <h2>How Apptivo CRM Works</h2>                                <div class="section-content asd" >
                    <p>Apptivo is a highly flexible platform that can be used out of the box as a simple yet comprehensive CRM or customized to suit nearly any need. It gives users a unified dashboard for keeping track of contacts, including incoming leads, assign leads to your sales team automatically, stay on top of upcoming tasks and events, such as managing appointments and meetings, and automate workflows, such as send a follow-up email after a specified number of days. With that, teams can operate more smoothly and efficiently, giving teams more time to focus on building relationships and driving more sales.</p>
<p><img decoding="async" class="alignnone size-full wp-image-1149079" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/how-apptivo-crm-works.png" alt="Apptivo CRM User Dashboard" width="1000" height="494" /></p>
                </div>
            </div>
            <hr/>            <div id="apptivo_core_features_section"
                    class="article-section " data-ecom-container='{"componentTitle":"Apptivo Core Features","componentType":"Generic"}'>
                <h2>Apptivo Core Features</h2>                                <div class="section-content asd" >
                    <p>Apptivo comes with a wide range of features. For example, it has contact and lead management to help users more efficiently organize, manage and foster relationships, task management to stay on top of all upcoming to-do list items and events, email and SMS marketing, estimates and invoicing and more. While many of the leading CRMs also offer these features, it&#8217;s the number of subfeatures within each of these features that help Apptivo stand out from the competition.</p>
<h3>Contact Management</h3>
<p>Apptivo’s contact management is robust with a large number of features, such as round-robin lead assignment, task management―including follow-up management―email and SMS automation, IMAP integration for email syncing, Google map integration as well as Google and Microsoft email integrations. While its contact management dashboard feels dated compared to many of the leading CRMs, it does offer a large number of unique fields, such as social information where users can input links to a contact’s social media profiles, hobbies, food, territory and more. Granted, it’s usability will likely feel lackluster for those who have experience using other, more modern CRM dashboards.</p>
<p><img decoding="async" class="alignnone size-full wp-image-1149090" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/apptivo-core-features-contact-canagement.png" alt="Apptivo Contact Management" width="1000" height="494" /></p>
<h3>Financials</h3>
<p>A unique feature of Apptivo is that it has built-in financial management tools for estimates and invoicing. And while it is not the only CRM that offers these, it is far more sophisticated than many top alternatives. For example, when creating a new estimate, users have the option to create a new estimate, create a fixed estimate or create an estimate from another estimate. When opting for the new estimate option, users can choose what to include in the estimate such as services for hourly tasks, items for products for sale or both.</p>
<p>When it comes to invoicing, there are even more options. When creating a new invoice, users have the option to create an entirely new estimate or create one from another invoice, from projects, from timesheets, from a work order, from an on order, from a workbench request, from a property rental or from a property sale invoice. Each invoice type has a custom set of fields to suit its particular use case, which can help reduce the amount of customizations needed.</p>
<p><img decoding="async" class="alignnone size-full wp-image-1149115" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/financials.png" alt="Apptivo Invoicing" width="1000" height="494" /></p>
<h3>Marketing</h3>
<p>While Apptivo offers built-in email and SMS marketing, its features vary by plan. For example, all plans include the ability to sync your email via an IMAP integration, email tracking for both opens and link clicks, referral tracking and email templates. Its midtier plan includes the ability to create email campaigns and marketing automations and its top-tier plan adds the ability to send automated drip campaigns (sometimes known as email sequencing).</p>
<p>However, no matter which plan you choose, its email marketing interface is dated and clunky. If you have used any of the <span data-ecom-container='{"componentTitle":"top email marketing software solutions","componentType":"Incontent Link"}' ><a href="https://www.forbes.com/advisor/business/software/best-email-marketing-software/"data-ecom-link='{"clickText":"top email marketing software solutions","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/best-email-marketing-software\/","clickType":"internal"}'>top email marketing software solutions</a></span>, such as Mailchimp, Zoho Campaigns or Drip, you will likely find Apptivo’s software to be lackluster.</p>
<p><img decoding="async" class="alignnone size-full wp-image-1149129" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/Marketing.png" alt="Apptivo Email Campaign Builder" width="1000" height="494" /></p>
<h3>Project Management</h3>
<p>Like many top CRMs, Apptivo has a project management tool to help sales teams stay on top of projects. Similar to the rest of Apptivo, its interface is dated. However, it is robust with a large number of relevant project management fields out of the box. For example, its standard fields include the project status, priority level, the project manager, the customer or client, currency, billing method and project base fee. Of course, if these fields do not suffice, users can create custom fields to suit their unique needs.</p>
<p><img decoding="async" class="alignnone size-full wp-image-1149133" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/Project-Management.png" alt="Apptivo Project Management" width="1000" height="494" /></p>
                </div>
            </div>
            <hr/>            <div id="what_sets_apptivo_apart_section"
                    class="article-section " data-ecom-container='{"componentTitle":"What Sets Apptivo Apart","componentType":"Generic"}'>
                <h2>What Sets Apptivo Apart</h2>                                <div class="section-content asd" >
                    <p>While Apptivo won’t win any awards for user experience or ease of use, it does stand out for its vast customization capabilities and its comprehensive, built-in invoicing tools. While the majority of CRMs boast flexibility with customizations, Apptivo is one of the most customizable solutions in the market―granted, doing so will generally require the assistance of a developer so the process will not likely be without cost or a period of time.</p>
                </div>
            </div>
            <hr/>            <div id="apptivo_pricing_section"
                    class="article-section " data-ecom-container='{"componentTitle":"Apptivo Pricing","componentType":"Generic"}'>
                <h2>Apptivo Pricing</h2>                                <div class="section-content asd" >
                    <!-- fadv:ignore-wpautop --><div class="mkpl-shortcode-instance default variation-1 advisor"     data-custom-value="mkpl-tables-"     data-variation="variation-1" data-ecom-container='{"componentTitle":"","componentType":"Simple Table"}'>    <div id="mkpl-table-container" class="open">		        <div id="mkpl-table-main-container">            <div id="mkpl-table-scroll"                 class="table-container "            >                <table id="mkpl-market-table" data-mc="0"       data-tcc="4"       class="mkpl-simple_tables table style-1"	   data-initial-visible-rows="10"	   data-expand_table = "1"       style="text-align: left">	        <tr class="thead" style="background-color: #4657A1 !important">			                <th                         style="text-align: left" class="primary-font">					                </th>				                <th                         style="text-align: left" class="primary-font">					Lite                </th>				                <th                         style="text-align: left" class="primary-font">					Premium                </th>				                <th                         style="text-align: left" class="primary-font">					Ultimate                </th>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Pricing 
(Billed Annually)</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">$15 per month</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">$25 per month</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">$40 per month</div>                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Pricing 
(Billed Monthly)</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">$20 per month</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">$30 per month</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">$50 per month</div>                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Workflow Limit</div>                </td>				                <td                         class=" number"                >					25                </td>				                <td                         class=" number"                >					75                </td>				                <td                         class=" number"                >					150                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Custom Fields Limit</div>                </td>				                <td                         class=" number"                >					100                </td>				                <td                         class=" number"                >					250                </td>				                <td                         class=" number"                >					350                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Custom Dashboard Limit</div>                </td>				                <td                         class=" number"                >					8                </td>				                <td                         class=" number"                >					25                </td>				                <td                         class=" number"                >					50                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">App Limit</div>                </td>				                <td                         class=" number"                >					18                </td>				                <td                         class=" number"                >					46                </td>				                <td                         class=" number"                >					57                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">File Storage</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">1 GB per user</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">3 GB per user</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">10 GB per user</div>                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Contact Management</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Project Management</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Workflow Automations</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">IMAP Integration</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Email and SMS Marketing</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Quotes and Invoices</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Marketing Automations</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">No</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Send Bulk Emails</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">No</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">1,000 emails per user, per month</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">3,000 emails per user, per month </div>                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Ecommerce Tools</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">No</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Payment Integrations, Such as PayPal & Stripe </div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">No</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">No</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">SMS Marketing</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">No</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">No</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Land Page Builder</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">No</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">No</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">No</div>                </td>				        </tr>		        <tr style="background-color: #f8f8f8">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">24/7 Support</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		</table>                                <div>                    <button type="button" id="left-arrow" data-ecom-misc-click='{"clickText":"Left","clickType":"Button","referenceText":""}'>                        <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII="                             alt="Left Arrow"                        />                    </button>                    <button type="button" id="right-arrow" data-ecom-misc-click='{"clickText":"Right","clickType":"Button","referenceText":""}'>                        <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC"                             alt="Right Arrow"/>                    </button>                </div>                            </div>			            <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button>            <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button>        </div>    </div></div><!-- /fadv:ignore-wpautop --><h3>Lite Plan</h3>
<p>Apptivo’s entry-level Lite plan starts at $15 per user, per month, when billed annually or $20 per user, per month, without a contract. It includes access to the core features of the platform, such as contact management, project management and up to 25 automated workflows, which are based on the number of triggers you set up. It also has a limit of 100 custom fields, giving users a fair amount of customization flexibility and 1 GB of storage. However, it does not include email marketing campaigns, SMS marketing or the ability to integrate with payment gateways and it lacks ecommerce tools.</p>
<h3>Premium Plan</h3>
<p>The midtier Premium plan costs $25 per user, per month, with an annual subscription or $30 per user, per month, with a month-to-month plan. It includes everything from the entry-level Lite plan with the addition of marketing automations, the ability to send up to 1,000 bulk emails per month, ecommerce tools and payment integrations. It also increases the workflow limit from 25 to 75, the custom field limit from 100 to 250 and it has three times the file storage limit of 3 GB. Due to its inclusion of marketing tools and payment gateways, it is suitable for those who are looking to automate marketing communications and service providers looking to accept payments via their CRM.</p>
<h3>Ultimate Plan</h3>
<p>Apptivo’s top-tier Ultimate plan jumps in price to $40 per user, per month, with annual billing or $50 per user, per month, with a monthly subscription, making it an expensive choice for businesses with large sales teams. It comes packed with features, including everything from the midtier plan such as contact management, project management, product management (or Inventory management), estimates and invoicing, marketing automations with up to 3,000 bulk email sends per month and ecommerce tools―plus SMS marketing. Additionally, its workflow limit increases to 150, its custom field limit to 350 and its file storage to 10 GB.</p>
                </div>
            </div>
            <hr/>            <div id="apptivo_setup_section"
                    class="article-section " data-ecom-container='{"componentTitle":"Apptivo Setup","componentType":"Generic"}'>
                <h2>Apptivo Setup</h2>                                <div class="section-content asd" >
                    <p>If you are planning to use Apptivo out of the box, it is straightforward to set up. To get started, register for a free 30-day trial (no credit card required). Upon doing so, you will be required to confirm your email address before accessing your new account dashboard. Once you have access to your dashboard, Apptivo provides new users with a walkthrough guide on how to navigate the dashboard.</p>
<p>Meanwhile, it does not walk users through how to use its various features. So, while it&#8217;s a good step in understanding how to find various features, it is not particularly helpful in showing new users how to use it. It’s also worth noting that numerous users report that the initial setup process is arduous for those who are looking for a highly customized solution as it requires a degree of technical expertise, such as development experience, to handle the customizations.</p>
<p><img decoding="async" class="alignnone size-full wp-image-1149211" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/Apptivo-Setup.png" alt="Apptivo New User Dashboard" width="1000" height="494" /></p>
                </div>
            </div>
            <hr/>            <div id="ease_of_use_section"
                    class="article-section " data-ecom-container='{"componentTitle":"Ease of Use","componentType":"Generic"}'>
                <h2>Ease of Use</h2>                                <div class="section-content asd" >
                    <p>In short, Apptivo is not the most user-friendly―never mind beginner-friendly CRM in the market. With its dated interface and comprehensive feature set, it is not particularly intuitive. In my experience, it feels clunky and many features take time to learn how to access and use them, lending to a longer-than-average learning curve. Using it out of the box is not overly difficult or more time-consuming than many of its more intuitive counterparts. However, those looking to build out a highly custom solution will find that doing so requires a degree of technical expertise or the assistance of a developer.</p>
                </div>
            </div>
            <hr/>            <div id="security_section"
                    class="article-section " data-ecom-container='{"componentTitle":"Security","componentType":"Generic"}'>
                <h2>Security</h2>                                <div class="section-content asd" >
                    <p>Apptivo comes with built-in security measures so that users can feel assured that their data is secure. Additionally, it offers many user-controlled security features which vary by plan. For example, while all plans include the ability to enable two-factor authentication (2FA), set collaboration security settings, set user roles and permissions as well as field access, its top-tier Ultimate plan comes with territory management and data set access, which sets limits on which data set different user groups have access to.</p>
<p><img decoding="async" class="alignnone size-full wp-image-1149217" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/Security.png" alt="Apptivo Collaboration Security Settings" width="1000" height="494" /></p>
                </div>
            </div>
            <hr/>            <div id="customer_service_and_support_section"
                    class="article-section " data-ecom-container='{"componentTitle":"Customer Service and Support","componentType":"Generic"}'>
                <h2>Customer Service and Support</h2>                                <div class="section-content asd" >
                    <p>Apptivo stands out when it comes to customer support, which is available 24 hours a day, seven days a week via phone, email and chat. Support quality is one of the things users rave about when it comes to Apptivo, noting that support is very helpful and effective at remedying issues users have. However, this is tempered with the fact that users also find that it can take a while to get a hold of someone in support, so while it&#8217;s helpful it&#8217;s not always the fastest. Granted, in my experience, support answered my call quickly, so experiences do vary.</p>
                </div>
            </div>
            <hr/>            <div id="apptivo_alternatives_and_how_they_compare_section"
                    class="article-section " data-ecom-container='{"componentTitle":"Apptivo Alternatives and How They Compare","componentType":"Generic"}'>
                <h2>Apptivo Alternatives and How They Compare</h2>                                <div class="section-content asd" >
                    <!-- fadv:ignore-wpautop --><div class="mkpl-shortcode-instance default variation-1 advisor"     data-custom-value="mkpl-tables-"     data-variation="variation-1" data-ecom-container='{"componentTitle":"","componentType":"Simple Table"}'>    <div id="mkpl-table-container" class="open">		        <div id="mkpl-table-main-container">            <div id="mkpl-table-scroll"                 class="table-container "            >                <table id="mkpl-market-table" data-mc="0"       data-tcc="5"       class="mkpl-simple_tables table style-1"	   data-initial-visible-rows="10"	   data-expand_table = "1"       style="text-align: left">	        <tr class="thead" style="background-color: #003186 !important">			                <th                         style="text-align: left" class="primary-font">					                </th>				                <th                         style="text-align: left" class="primary-font">					Apptivo                 </th>				                <th                         style="text-align: left" class="primary-font">					Zoho CRM                 </th>				                <th                         style="text-align: left" class="primary-font">					Nimble                 </th>				                <th                         style="text-align: left" class="primary-font">					HubSpot                 </th>				        </tr>		        <tr style="background-color: #F3F5FB">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Starting Price
(Billed Annually)</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">$15 per user, per month</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Free; $14 per month, per user (billed annually)</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">$24.90 per seat, per month (billed annually)</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">$15 per seat, per month (billed annually)</div>                </td>				        </tr>		        <tr style="background-color: #F3F5FB">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Free Trial</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">30 days</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">15 days</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">14 days</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">14 days</div>                </td>				        </tr>		        <tr style="background-color: #F3F5FB">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Contact Management</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #F3F5FB">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Task Management</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes, via Zoho Projects</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #F3F5FB">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Sales Pipelines</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #F3F5FB">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Workflow Automations</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #F3F5FB">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Email Marketing</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes, via Zoho Campaigns</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #F3F5FB">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Inventory Management</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes, with certain plans</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">No</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #F3F5FB">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Lead Generation Tools</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">No</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes, web forms</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #F3F5FB">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Built-in Invoicing</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">No</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #F3F5FB">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Reporting</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Yes</div>                </td>				        </tr>		        <tr style="background-color: #F3F5FB">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Customer Support</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">24/7 via phone, email and chat</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Phone, email and help center</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Email</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Phone, live chat, email and help center</div>                </td>				        </tr>		        <tr style="background-color: #F3F5FB">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Learn More</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">-</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font"><span style="color: #0000ff;"><div class="inline" data-ecom-product='{"itemId":"On Zoho CRM&#039;s Website","itemName":"On Zoho CRM&#039;s Website","itemBrand":"","itemCategory":"Business","itemCategory2":"non-pcs","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","initialCost":0,"subscriptionCost":0}' ><a style="color: #0000ff;" href="https://mktp.us/ZohoCRM" target="_blank" rel="nofollow noopener"data-ecom-conversion='{"clickText":"On Zoho CRM&#039;s Website","clickUrl":"https:\/\/mktp.us\/ZohoCRM","partnerName":"Short.io"}'>On Zoho CRM's Website</a></div></span></div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">-</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font"><span style="color: #0000ff;"><div class="inline" data-ecom-product='{"itemId":"On HubSpot&#039;s Website","itemName":"On HubSpot&#039;s Website","itemBrand":"","itemCategory":"Business","itemCategory2":"non-pcs","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","initialCost":0,"subscriptionCost":0}' ><a style="color: #0000ff;" href="https://hubspot.sjv.io/c/1955282/1792839/12893" target="_blank" rel="nofollow noopener"data-ecom-conversion='{"clickText":"On HubSpot&#039;s Website","clickUrl":"https:\/\/hubspot.sjv.io\/c\/1955282\/1792839\/12893","partnerName":"Impact"}'>On HubSpot's Website</a></div></span></div>                </td>				        </tr>		        <tr style="background-color: #F3F5FB">			                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">Read Reviews</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font">-</div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font"><span style="color: #0000ff;"><div class="inline" data-ecom-product='{"itemId":"Read Zoho CRM review","itemName":"Read Zoho CRM review","itemBrand":"","itemCategory":"Business","itemCategory2":"non-pcs","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","initialCost":0,"subscriptionCost":0}' ><a style="color: #0000ff;" href="https://www.forbes.com/advisor/business/software/zoho-crm-review/"data-ecom-link='{"clickText":"Read Zoho CRM review","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/zoho-crm-review\/","clickType":"internal"}'>Read Zoho CRM review</a></div></span></div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font"><span style="color: #0000ff;"><div class="inline" data-ecom-product='{"itemId":"Read Nimble review","itemName":"Read Nimble review","itemBrand":"","itemCategory":"Business","itemCategory2":"non-pcs","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","initialCost":0,"subscriptionCost":0}' ><a style="color: #0000ff;" href="https://www.forbes.com/advisor/business/software/nimble-crm-review/"data-ecom-link='{"clickText":"Read Nimble review","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/nimble-crm-review\/","clickType":"internal"}'>Read Nimble review</a></div></span></div>                </td>				                <td                         class=" wysiwyg-editor"                >					<div class="cell-content primary-font"><span style="color: #0000ff;"><div class="inline" data-ecom-product='{"itemId":"Read HubSpot review ","itemName":"Read HubSpot review ","itemBrand":"","itemCategory":"Business","itemCategory2":"non-pcs","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","initialCost":0,"subscriptionCost":0}' ><a style="color: #0000ff;" href="https://www.forbes.com/advisor/business/software/hubspot-crm-review/"data-ecom-link='{"clickText":"Read HubSpot review","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/hubspot-crm-review\/","clickType":"internal"}'>Read HubSpot review </a></div></span></div>                </td>				        </tr>		</table>                                <div>                    <button type="button" id="left-arrow" data-ecom-misc-click='{"clickText":"Left","clickType":"Button","referenceText":""}'>                        <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII="                             alt="Left Arrow"                        />                    </button>                    <button type="button" id="right-arrow" data-ecom-misc-click='{"clickText":"Right","clickType":"Button","referenceText":""}'>                        <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC"                             alt="Right Arrow"/>                    </button>                </div>                            </div>			            <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button>            <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button>        </div>    </div></div><!-- /fadv:ignore-wpautop --><h3>Apptivo vs. Zoho CRM</h3>
<p>When comparing Apptivo to Zoho CRM, the two comprehensive CRMs are very different. While Zoho CRM is very user-friendly with an intuitive and modern interface that lends itself to a very minimal learning curve, Apptivo has a dated interface that could be more user-friendly. However, Apptivo is far more comprehensive―especially for service providers with unique CRM needs, such as estimates and invoicing, product management and more. In short, Apptivo is the better solution for large service providers that find standard CRM offerings to be too limiting. Meanwhile, Zoho CRM is the better solution for businesses large and small with standard CRM needs.</p>
<h3>Apptivo vs. Nimble</h3>
<p>In comparison to Nimble, Apptivo is the more customizable solution that is aligned better with meeting the needs of large service-based businesses. Meanwhile, Nimble is more user-friendly and offers more lead generation tools, making it a better choice for those who are looking to use a CRM to help grow their contact lists. In terms of pricing, Nimble’s starting price is more expensive than Apptivo at $24.90 per user, per month (billed annually)―compared to Apptivo at $15 per user, per month, with annual billing.</p>
<h3>Apptivo vs. HubSpot</h3>
<p>HubSpot and Apptivo are two of the most comprehensive and versatile CRMs in the market, boasting vast customization capabilities and long lists of features and tools. Where the two differ is that HubSpot is well-designed and despite being very powerful, it is easier to use than Apptivo and offers a lot more by way of marketing solutions. Meanwhile, Apptivo offers a lot more by way of unique features geared toward the service industry, such as robust invoicing and more customization opportunities for those that have unique CRMs needs.</p>
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                <h2>Who is Apptivo Best For?</h2>                                <div class="section-content asd" >
                    <p>Apptivo is best for service-based businesses that have found that the average CRM does not come with the features necessary to manage contacts and leads effectively. This is because it comes out of the box with several sophisticated service-related features and tools and also because it is highly customizable with the use of application programming interfaces (APIs) and integrations.</p>
<!-- fadv:ignore-wpautop --><div id="featured-partners" class="multi-featured-products count-3 with-fp-disclosure-icon " data-ecom-container='{"componentTitle":"CRM Partners","componentType":"Featured Partners Global Widget ShortCode"}'><p class="featured-partners-heading">CRM Partners</p><div class="fp-wrapper " data-ecom-list='{"listName":"Business_\/advisor\/business\/software\/apptivo-review\/_Featured Partners Global Widgets_0","listId":"Business_\/advisor\/business\/software\/apptivo-review\/_Featured Partners Global Widgets_0","resultsCount":3,"appliedFilters":"","pageNumber":1}'><div class="featured-partner-wrapper"><div class="fp-disclosure-text">Advertisement</div><div class="fp-disclosure-icon-wrapper pointer tooltip-tippy-fp" title="We receive compensation from our partners for Featured Offer placements. This compensation impacts how and where their product or service is displayed but in no way affects our ratings, which are based on thorough research, solid methodologies and expert advice." ><svg class="inline-svg" width="14" height="14" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M7 0C3.13438 0 0 3.13438 0 7C0 10.8656 3.13438 14 7 14C10.8656 14 14 10.8656 14 7C14 3.13438 10.8656 0 7 0ZM7 12.8125C3.79063 12.8125 1.1875 10.2094 1.1875 7C1.1875 3.79063 3.79063 1.1875 7 1.1875C10.2094 1.1875 12.8125 3.79063 12.8125 7C12.8125 10.2094 10.2094 12.8125 7 12.8125Z" fill="#999999"/><path d="M6.25 4.25C6.25 4.44891 6.32902 4.63968 6.46967 4.78033C6.61032 4.92098 6.80109 5 7 5C7.19891 5 7.38968 4.92098 7.53033 4.78033C7.67098 4.63968 7.75 4.44891 7.75 4.25C7.75 4.05109 7.67098 3.86032 7.53033 3.71967C7.38968 3.57902 7.19891 3.5 7 3.5C6.80109 3.5 6.61032 3.57902 6.46967 3.71967C6.32902 3.86032 6.25 4.05109 6.25 4.25ZM7.375 6H6.625C6.55625 6 6.5 6.05625 6.5 6.125V10.375C6.5 10.4437 6.55625 10.5 6.625 10.5H7.375C7.44375 10.5 7.5 10.4437 7.5 10.375V6.125C7.5 6.05625 7.44375 6 7.375 6Z" fill="#999999"/></svg></div></div><div class="featured-partners-container"><div class="featured-partners-card" data-ecom-container='{"componentTitle":"HubSpot","componentType":"Generic Product"}'><div class="inner-wrapper " data-ecom-product='{"itemId":"758576","itemName":"HubSpot","itemBrand":"Impact","itemCategory":"Business","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Impact","coupon":"","secondaryCallout":"","initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">1</p><p class="single-heading-text">HubSpot</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Starting Price </div><p class="value">Free; $15 per user per month (billed annually)</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Free Trial </div><p class="value">14 days</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Pipeline Management </div><p class="value">Yes</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">1</p><p class="card-title">HubSpot</p></div></div><div class="star-content-wrapper"><a href=https://hubspot.sjv.io/c/1955282/1792839/12893 target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://hubspot.sjv.io/c/1955282/1792839/12893" data-component-title="Featured Partner Widget" 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data-component-title="Featured Partner Widget" data-product-name="HubSpot" data-product-category="Featured Product (Business)" data-product-position="1" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="758576" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/hubspot.sjv.io\/c\/1955282\/1792839\/12893","partnerName":"Impact"}' ><span class="arrow-wrapper">Learn More <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 13.079C7.41446 13.3226 7.51781 13.5556 7.70041 13.7237C7.87432 13.9001 8.11546 14 8.36763 14C8.61979 14 8.86094 13.9001 9.03484 13.7237L15.2292 7.73677C15.6111 7.31491 15.6111 6.68509 15.2292 6.26323L9.03335 0.276315C8.85945 0.0998659 8.6183 0 8.36614 0C8.11397 0 7.87283 0.0998659 7.69893 0.276315H7.69892C7.51632 0.444355 7.41297 0.677368 7.41297 0.921031C7.41297 1.16469 7.51632 1.39771 7.69892 1.56575L12.3691 6.07841L1.69287 6.07841C1.43556 6.06334 1.18389 6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On HubSpot's Website</p></div><div class="secondary-cta-container"></div></div></div></div><div class="featured-partners-card" data-ecom-container='{"componentTitle":"monday CRM","componentType":"Generic Product"}'><div class="inner-wrapper " data-ecom-product='{"itemId":"518486","itemName":"monday CRM","itemBrand":"Monday.com","itemCategory":"Business","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Monday.com","coupon":"","secondaryCallout":"","initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">2</p><p class="single-heading-text">monday CRM</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Starting Price </div><p class="value">Free; $12 per user per month for basic features</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Free trial </div><p class="value">14 days</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Pipeline Management </div><p class="value">Yes</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">2</p><p class="card-title">monday CRM</p></div></div><div class="star-content-wrapper"><a href=https://monday.com/lp/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://monday.com/lp/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm" data-component-title="Featured Partner Widget" data-product-name="monday CRM" data-product-category="Business (Featured Partner)" data-product-position="2" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="518486" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/monday.com\/lp\/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm","partnerName":"Monday.com"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2025/11/monday-CRM-logo.png" alt="monday CRM" /></a><div class="rating-wrapper"></div></div></div><div class="logo-wrapper no-telephone-number"><a href=https://monday.com/lp/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://monday.com/lp/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm" data-component-title="Featured Partner Widget" data-product-name="monday CRM" data-product-category="Business (Featured Partner)" data-product-position="2" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="518486" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/monday.com\/lp\/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm","partnerName":"Monday.com"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2025/11/monday-CRM-logo.png" alt="monday CRM" /></a></div><div class="btn-wrapper"><a href="https://monday.com/lp/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm" class="get-estimate-cta fp-widget-cta-event track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://monday.com/lp/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm" data-component-title="Featured Partner Widget" data-product-name="monday CRM" data-product-category="Business (Featured Partner)" data-product-position="2" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="518486" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/monday.com\/lp\/crm?utm_medium=affiliates&utm_source=USbrands&utm_adgroup=forbes_crm-organic&utm_campaign=multi-multi-prm-crm","partnerName":"Monday.com"}' ><span class="arrow-wrapper">Learn More <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 13.079C7.41446 13.3226 7.51781 13.5556 7.70041 13.7237C7.87432 13.9001 8.11546 14 8.36763 14C8.61979 14 8.86094 13.9001 9.03484 13.7237L15.2292 7.73677C15.6111 7.31491 15.6111 6.68509 15.2292 6.26323L9.03335 0.276315C8.85945 0.0998659 8.6183 0 8.36614 0C8.11397 0 7.87283 0.0998659 7.69893 0.276315H7.69892C7.51632 0.444355 7.41297 0.677368 7.41297 0.921031C7.41297 1.16469 7.51632 1.39771 7.69892 1.56575L12.3691 6.07841L1.69287 6.07841C1.43556 6.06334 1.18389 6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On monday.com's Website</p></div><div class="secondary-cta-container"></div></div></div></div><div class="featured-partners-card" data-ecom-container='{"componentTitle":"Pipedrive","componentType":"Generic Product"}'><div class="inner-wrapper " data-ecom-product='{"itemId":"756844","itemName":"Pipedrive","itemBrand":"Short.io","itemCategory":"Business","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Short.io","coupon":"","secondaryCallout":"","initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">3</p><p class="single-heading-text">Pipedrive</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Starting Price </div><p class="value">$14 per user per month (billed annually)</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Free Trial </div><p class="value">14 days</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Pipeline Management </div><p class="value">Yes</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">3</p><p class="card-title">Pipedrive</p></div></div><div class="star-content-wrapper"><a href=https://mktp.us/Pipedrive target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://mktp.us/Pipedrive" data-component-title="Featured Partner Widget" data-product-name="Pipedrive" data-product-category="NA" data-product-position="3" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="756844" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/mktp.us\/Pipedrive","partnerName":"Short.io"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/04/Pipedrive_Logo_Green__2_-removebg-preview.png" alt="Pipedrive" /></a><div class="rating-wrapper"></div></div></div><div class="logo-wrapper no-telephone-number"><a href=https://mktp.us/Pipedrive target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://mktp.us/Pipedrive" data-component-title="Featured Partner Widget" data-product-name="Pipedrive" data-product-category="NA" data-product-position="3" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="756844" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/mktp.us\/Pipedrive","partnerName":"Short.io"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/04/Pipedrive_Logo_Green__2_-removebg-preview.png" alt="Pipedrive" /></a></div><div class="btn-wrapper"><a href="https://mktp.us/Pipedrive" class="get-estimate-cta fp-widget-cta-event track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://mktp.us/Pipedrive" data-component-title="Featured Partner Widget" data-product-name="Pipedrive" data-product-category="NA" data-product-position="3" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="756844" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/mktp.us\/Pipedrive","partnerName":"Short.io"}' ><span class="arrow-wrapper">Learn More <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 13.079C7.41446 13.3226 7.51781 13.5556 7.70041 13.7237C7.87432 13.9001 8.11546 14 8.36763 14C8.61979 14 8.86094 13.9001 9.03484 13.7237L15.2292 7.73677C15.6111 7.31491 15.6111 6.68509 15.2292 6.26323L9.03335 0.276315C8.85945 0.0998659 8.6183 0 8.36614 0C8.11397 0 7.87283 0.0998659 7.69893 0.276315H7.69892C7.51632 0.444355 7.41297 0.677368 7.41297 0.921031C7.41297 1.16469 7.51632 1.39771 7.69892 1.56575L12.3691 6.07841L1.69287 6.07841C1.43556 6.06334 1.18389 6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On Pipedrive's Website</p></div><div class="secondary-cta-container"></div></div></div></div></div></div></div><!-- /fadv:ignore-wpautop -->                </div>
            </div>
            <hr/>            <div id="conclusion_section"
                    class="article-section " data-ecom-container='{"componentTitle":"Conclusion","componentType":"Generic"}'>
                <h2>Conclusion</h2>                                <div class="section-content asd" >
                    <p>While Apptivo is a unique CRM solution that offers a large feature set that many of its rivals do not, it is far less user-friendly and far less modern than the bulk of its competitors. Its entry-level pricing is in the ballpark of many top CRMs. However, this plan is limited in terms of features and its midtier and top-tier plans quickly become expensive for large teams.</p>
                </div>
            </div>
            <hr/><div id="frequently_asked_questions_faqs_section" class="faq-section article-section"data-ecom-container='{"componentTitle":"Frequently Asked Questions (FAQs)","componentType":"FAQ Section"}'><h2>Frequently Asked Questions (FAQs)</h2><div class="main-faqs faq-2021 faq-v2" data-ecom-container='{"componentTitle":"Frequently Asked Questions (FAQs)","componentType":"FAQ Component"}'>
			<div class="faqs" data-ecom-misc-click='{"clickText":"Does Apptivo offer a free plan?","clickType":"Accordion","referenceText":""}'>
		<div class="faq-question">
			<div class="plus-minus">
				<svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg"
					class="plus">
					<line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2"
						stroke-linecap="round" />
					<line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2"
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						stroke-linecap="round" />
				</svg>
			</div>
			<h3 class="question-text">Does Apptivo offer a free plan?</h3>
		</div>
		<div class="faq-answer wysiwyg-content">
			<p>Apptivo does not offer a free plan. Instead, it offers a free 30-day trial to help users test it out and decide if it&#8217;s the right CRM solution for them.</p>
		</div>
	</div>
				<div class="faqs" data-ecom-misc-click='{"clickText":"What are the best alternatives to Apptivo?","clickType":"Accordion","referenceText":""}'>
		<div class="faq-question">
			<div class="plus-minus">
				<svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg"
					class="plus">
					<line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2"
						stroke-linecap="round" />
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						stroke-linecap="round" />
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						stroke-linecap="round" />
				</svg>
			</div>
			<h3 class="question-text">What are the best alternatives to Apptivo?</h3>
		</div>
		<div class="faq-answer wysiwyg-content">
			<p>Although Apptivo is rated as one of the best CRMs for financial advisors, it is not without competition. The top Apptivo alternatives include monday.com for more comprehensive workflow automations, Salesforce for scalability, Agile CRM for marketing tools and Pipedrive for enhanced sales pipeline management. Get more information on the <a href="https://www.forbes.com/advisor/business/software/best-crm-financial-advisors/">best CRMs for financial advisors</a> and service providers.</p>
		</div>
	</div>
				<div class="faqs" data-ecom-misc-click='{"clickText":"What are the best free CRMs?","clickType":"Accordion","referenceText":""}'>
		<div class="faq-question">
			<div class="plus-minus">
				<svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg"
					class="plus">
					<line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2"
						stroke-linecap="round" />
					<line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2"
						stroke-linecap="round" />
				</svg>
				<svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg"
					class="minus">
					<line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2"
						stroke-linecap="round" />
				</svg>
			</div>
			<h3 class="question-text">What are the best free CRMs?</h3>
		</div>
		<div class="faq-answer wysiwyg-content">
			<p>There are many high-quality CRM solutions and which is right for your sales team will depend on your team and their unique needs. For example, while Zoho CRM is widely considered the best free CRM thanks to its wide range of features and user-friendly interface, Insightly is the best for managing opportunities, Agile CRM is the best for marketing functionalities and Bitrix24 is the best free solution for large teams as it has no user limit on its free plan. Learn more about which providers were ranked as the <a href="https://www.forbes.com/advisor/business/software/best-free-crms/">best free CRMs</a> according to the experts at Forbes Advisor.</p>
		</div>
	</div>
		</div>
</div>                                    </div>
                                                                                                            <div class="rafeed__container bottom_editorial">
                                        <div class="article__editors-note article__editors-note-bottom">
    Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.<br/> <br/> Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our <a class="disclosure-link" title="Advertiser Disclosure" target="_blank" href="https://www.forbes.com/advisor/advertiser-disclosure/" data-ecom-links="{"clickText": "Partners", "clickCat": "Primary", "clickUrl": "https://www.forbes.com/advisor/advertiser-disclosure/", "clickType" : "internal"}">partners</a>.
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             * @param event
             */
            function preconnectEventHandler(event, element, preconnectEvent) {
                var hostname = domUtil.getHostnameOfAnchorElement(element);
                if (!isPreconnectedHostname(hostname)) {
                    injectSerpPreconnectHint(hostname);
                    eventLib.removeEvent(element, "mouseover", preconnectEvent);
                    eventLib.removeEvent(element, "touchstart", preconnectEvent);
                    setTimeout(function () {
                        removeHostnameFromPreconnectedList(hostname);
                        attachHoverListener(element);
                    }, 10000);
                }
            }

            /**
             * Add event to the element if the element's hostname is not pre-connected
             * @param element
             */
            function attachHoverListener(element) {
                var hostname = domUtil.getHostnameOfAnchorElement(element);
                var preconnectEvent = (function (element) {
                    return function (event) {
                        preconnectEventHandler(event, element, preconnectEvent);
                    };
                })(element);
                if (!isPreconnectedHostname(hostname)) {
                    eventLib.addEvent(element, "mouseover", preconnectEvent);
                    eventLib.addEvent(element, "touchstart", preconnectEvent);
                }
            }

            /**
             * Removes hostname from the list of pre-connected hostname's
             * @param hostname
             */
            function removeHostnameFromPreconnectedList(hostname) {
                preconnectedHostsList[hostname] = 0;
            }

            /**
             * Adds hostname to the list of pre-connected hostname's
             * @param hostname
             */
            function addHostnameToPreconnectedList(hostname) {
                preconnectedHostsList[hostname] = 1;
            }

            /**
             * Checks if the hostname is pre-connected or not
             * @param hostname
             * @returns {boolean}
             */
            function isPreconnectedHostname(hostname) {
                return preconnectedHostsList[hostname] === 1;
            }

            /**
             * Attaches eventAction Event to the element passed
             * @param eventAction
             * @param element
             */
            function initialisePreconnectSetup(eventAction, element) {
                if (eventAction == "hover") {
                    attachHoverListener(element);
                }
            }

            function isSupported() {
                return hintUtil.isHintSupported("preconnect");
            }

            return {
                initialisePreconnectSetup: initialisePreconnectSetup,
                isSupported: isSupported
            };
        })(hintUtil, eventLib, domUtil);

        var dnsPrefetchHandler = (function (hintUtil, domUtil) {
            var dnsPrefetchedHostsList = {};

            function initialiseDnsPrefetchSetup(element) {
                var hostname = domUtil.getHostnameOfAnchorElement(element);
                if (!isDnsPrefetchedHostname(hostname)) {
                    hintUtil.injectHostNameHint("dns-prefetch", hostname);
                    addHostnameToDnsPrefetchedList(hostname);
                }
            }

            /**
             * Adds hostname to the list of dns pre-fetched hostname's
             * @param hostname
             */
            function addHostnameToDnsPrefetchedList(hostname) {
                dnsPrefetchedHostsList[hostname] = 1;
            }

            /**
             * checks if hostname is dns pre-fetched or not
             * @param hostname
             * @returns {boolean}
             */
            function isDnsPrefetchedHostname(hostname) {
                return dnsPrefetchedHostsList[hostname] === 1;
            }

            function isSupported() {
                return hintUtil.isHintSupported("dns-prefetch");
            }

            return {
                initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup,
                isSupported: isSupported
            };
        })(hintUtil, domUtil);

        var init = function(anchorElement){
            if (preconnectHandler.isSupported()) {
                preconnectHandler.initialisePreconnectSetup("hover", anchorElement);
            }

            if (dnsPrefetchHandler.isSupported()) {
                dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement);
            }
        }

        return {
            init : init
        }
    })();

</script><script>

    var __cookieController = (function () {

        function getSubDomain() {
            var hostName = window.location.hostname;
            if (!!hostName) {
                var parts = hostName.split('.');
                if (parts.length > 2) {
                    parts.shift();
                }
                hostName = parts.join('.');
            }
            return hostName;
        }

        function sanitizeCookieValue(value) {
            return encodeURIComponent(value).replace(/[^a-zA-Z0-9%]/g, '');
        }

        /*
        * Read a cookie value
        * */
        function get(name) {
            var start = document.cookie.indexOf(name + "=");
            var len = start + name.length + 1;
            if ((!start) && (name !== document.cookie.substring(0, name.length))) {
                return null;
            }
            if (start === -1) {
                return null;
            }
            var end = document.cookie.indexOf(";", len);
            if (end === -1) {
                end = document.cookie.length;
            }
            var cookieVal = document.cookie.substring(len, end);
            cookieVal = sanitizeCookieValue(cookieVal);
            return cookieVal;
        }

        /*
        * Create a cookie for forbes.com dommain
        * */
        function set(name, value, expireInDays) {
            var today = new Date(), path = '/', domain = '.' + getSubDomain();
            today.setTime(today.getTime());
            if (expireInDays) {
                expireInDays = expireInDays * 1000 * 60 * 60 * 24;
            }
            var expireDate = new Date(today.getTime() + (expireInDays));
            document.cookie = name + "=" + escape(value) +
                ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") +
                ((domain) ? ";domain=" + domain : "") +
                ((path) ? ";path=" + path : "");
        }

        return {
            get: get,
            set: set,
        }
    })();

    var __helper = (function () {
        /*
        * Get Host name from url
        * */
        function getHostname(url) {
            if (!!url) {
                var link = document.createElement('a');
                link.href = url;
                return link.hostname;
            }
            return null;
        }

        /*
		* Get Query Parameter
		* */
        function getQueryParameterValue(field, url) {
            var href = url ? url : window.location.href;
            var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i');
            var string = reg.exec(href);
            return string ? string[1] : null;
        }

        /*
		* Checks for empty values
		* Example : '' | "" | null | undefined | false
		* */
        function empty(val) {
            return val === '' || val === null || typeof val == 'undefined' || val === false;
        }

        /*
		* Generate values between two numbers exclusive of the range
		* */
        function getRandomInt(min, max) {
            min = Math.ceil(min);
            max = Math.floor(max);
            return Math.floor(Math.random() * (max - min)) + min;
        }

        return {
            getHostname: getHostname,
            getQueryParameterValue: getQueryParameterValue,
            empty: empty,
            getRandomInt: getRandomInt,
        }
    })();

    var __linkTrackingController = (function (__cookie, __util, __prefetch) {
        var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid';
        var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt';
        var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc';
        var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname';
        var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval';
        var E2E_HOST = 'related.forbes.com';
        var BANKRATE_HOST = 'oc.brcclx.com';
        var POLICYGENIUS_HOST = "policygenius.go2cloud.org";
        var CM_PREFIX_ID = '_spid';
        var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r=';
        var LINKSYNERGY_HOST = "click.linksynergy.com";
        var COOKIE_CLIENT_ID = window?.annotationKey + '_clientId';
        /*
        * Generate a hash code from a string
        * */
        String.prototype.hashCode = function () {
            var hash = 0;
            if (this.length === 0) return hash;
            for (i = 0; i < this.length; i++) {
                char = this.charCodeAt(i);
                hash = ((hash << 5) - hash) + char;
                hash = hash & hash;
            }
            if (hash < 0)
                return "N" + (hash * -1);
            else
                return "P" + hash;
        };

        function getNanoId(length = 20) {
            const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ";

            length = Math.min(length, a.length);
            let result = "";
            const randomValues = crypto.getRandomValues(new Uint8Array(length));

            for (let i = 0; i < length; i++) {
                result += a[randomValues[i] % a.length];
            }
            return result;
        }

        /*
        * Get Utm params Mapping
        * */
        function getUtmSourceClickIdParamMapping() {
            return {
                "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"],
                "taboola": ["tcid"],
                "bing": ["msclkid"],
                "kw": ["fbclid"],
                "facebook": ["fbclid"]
            };
        }

        function getValidClickIdParams() {
            return ["gclid"];
        }

        /**
         *  Returns object with parameter and value
         *  Example : ob_click_id=jfkjkfjskafjkj
         *  returns : { param: ob_click_id , value:jfkjkfjskafjkj }
         */
        function getOgUtmParamValuePair() {
            var trackingParamsObj = {
                param: '',
                value: ''
            };
            var utmSource = __util.getQueryParameterValue('utm_source');
            if (!!utmSource) {
                utmSource = utmSource.toLowerCase();
                var utmParamMappinArray = getUtmSourceClickIdParamMapping();
                if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) {
                    for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) {
                        var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]);
                        if (!!idFromUrl) {
                            trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param];
                            trackingParamsObj.value = idFromUrl;
                            break;
                        }
                    }
                }
            }
            /**
             * If no valid param mapping found in url check for valid click id
             */
            if( ! trackingParamsObj.value && ! trackingParamsObj.param ){
                /**
                 * Check for valid click ID in the url If found return the id and value
                 */
                var clickIdParam = getValidClickIdParams();
                for(var i = 0; i < clickIdParam.length; i++){
                    var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]);
                    if(!!clickIdFromUrl){
                        trackingParamsObj.param = clickIdParam[i];
                        trackingParamsObj.value = clickIdFromUrl;
                        break;
                    }
                }
            }
            return trackingParamsObj;
        }

        function generateHashFromOgParam(paramsObj) {
            if (!!paramsObj.value && typeof paramsObj.value === 'string') {
                var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99);
                return hashInput.hashCode();
            }
            return '';
        }

        /**
         * This function return user id
         * If found in cookie returns the cookie value
         * If not found in cookie generated a user id
         * If og params are invalid return empty string
         */
        function getUserIdHashFromOgParam() {
            var hash = '';
            var paramsObj = getOgUtmParamValuePair();
            if (!!paramsObj.param && !!paramsObj.value) {
                var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM);
                var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE);
                //Get user id from cookie if found
                if (
                    !!paramFromCookie &&
                    !!paramValueFromCookie &&
                    paramsObj.param === paramFromCookie &&
                    paramsObj.value === paramValueFromCookie
                ) {
                    var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID);
                    if (!!userIdFromCookie){
                        hash = userIdFromCookie;
                    }
                }
                //If user id is not present in cookie generate one
                if (!hash) {
                    hash = generateHashFromOgParam(paramsObj);
                }
            }
            window.dataLayer.push({
                'cd': {
                    'OriginalTrackingParam': paramsObj.param,
                    'OriginalTrackingParamValue': paramsObj.value,
                }
            });
            return hash;
        }

        /*
		* Get Default User ID Hash
		* returns hash : P74473637
		* */
        function getDefaultUserIdHash() {
            var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99);
            return userid.hashCode();
        }
        /**
         *  Tid From Utm Param
         * */
        function getUserIdHashForPartnership(){
            var userid = '';
            var partnershipMap = {
                partnership:'P'
            };
            var utmMediumParam = __util.getQueryParameterValue('utm_medium');
            //generate new user id
            if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){
                userid = getDefaultUserIdHash();
                userid = userid + partnershipMap[utmMediumParam];
                userid = userid.toUpperCase();
            }

            return userid;
        }

        /*
		* Get Unique Hash
		* returns numeric 9 digit value: 187654367
		* */
        function getUniqueId(suffix) {
            return getNanoId(12);
            suffix = suffix || '';
            var rand = __util.getRandomInt(100000000, 999999999);
            var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000));
            return timestamp.concat(rand);
        }

        /**
         * Add a query string to url
         */
        function addQueryString(param) {
            var url;

            if (param.hasOwnProperty('url') && !__util.empty(param.url)) {
                url = param.url;
            }

            if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) {
                if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) {
                    var tidFromurl = __util.getQueryParameterValue(param.parameterName, url);
                    url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue);
                } else {
                    //if parameter is not found
                    if (url.indexOf('?') !== -1) {
                        url = url + '&' + param.parameterName + '=' + param.parameterValue;
                    } else {
                        url = url + '?' + param.parameterName + '=' + param.parameterValue;
                    }
                }
            }
            return url;
        }

        /**
         * @param link
         * @param attributes
         */
        function setAttributesToLink(link, attributes) {
            if (!!link && typeof attributes === 'object') {
                for (var prop in attributes) {
                    if (attributes.hasOwnProperty(prop) && !!attributes[prop]) {
                        link.setAttribute(prop, attributes[prop]);
                    }
                }
            }
            return link;
        }

        /**
         * Appends tracking ID to provided url
         * Checks for topics | bankrate url
         * @param url
         * @param hostName
         * @param trackingId
         *
         * @return string
         */
        function appendTrackingId(url, hostName, trackingId) {
            var urlWithTrackingID;
            if (E2E_HOST === hostName) {
                var affiliateLink = __util.getQueryParameterValue('r', url);
                if (!!affiliateLink) {
                    affiliateLink = decodeURIComponent(affiliateLink);
                    affiliateLink = addQueryString({
                        url: affiliateLink,
                        parameterName: 'tid',
                        parameterValue: trackingId,
                        override: true,
                    });
                    urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID;
                }else{
                    urlWithTrackingID = url;
                }
            } else if (BANKRATE_HOST === hostName) {
                url = addQueryString({
                    url: url,
                    parameterName: 'tid',
                    parameterValue: trackingId,
                    override: true,
                });
                urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID;
            } else if (LINKSYNERGY_HOST === hostName) {
                urlWithTrackingID = addQueryString({
                    url: url,
                    parameterName: 'u1',
                    parameterValue: trackingId,
                    override: true,
                });
            }
            else if (POLICYGENIUS_HOST === hostName) {
                urlWithTrackingID = addQueryString({
                    url: url,
                    parameterName: 'aff_click_id',
                    parameterValue: '',
                    override: true,
                });
            }
            else {
                urlWithTrackingID = url;
            }
            return urlWithTrackingID;
        }

        /*
		* Get User Id Hashcode
		* */
        function getUserIdHash() {
            var userid = '';

            var clientId = __cookie.get(COOKIE_CLIENT_ID);

            if(clientId){
                userid = clientId;
            }else{
                var prefix = (typeof ecomBase !== 'undefined' && ecomBase?.tidPrefix) ? ecomBase.tidPrefix : "FA";
                userid = prefix + getNanoId(20);
                __cookie.set(COOKIE_CLIENT_ID, userid, 365);
            }
            return userid;

            //Get Tid From Url
            var tidFromUrl = __util.getQueryParameterValue('tid');
            if (!!tidFromUrl) {
                userid = tidFromUrl;
            }

            //Get Tid for partnership
            var tidForPartnership = getUserIdHashForPartnership();
            if (!!tidForPartnership) {
                userid = tidForPartnership;
            }
            //Generate hash from if og parameter is found in url
            var userIdHashFromUrl = getUserIdHashFromOgParam();
            if (__util.empty(userid) && !!userIdHashFromUrl) {
                userid = userIdHashFromUrl;
            }
            //Read user id from cookie if found
            if (__util.empty(userid)) {
                userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID);
            }
            //Generate a new user id
            if (__util.empty(userid)) {
                userid = getDefaultUserIdHash();
            }


            return userid;
        }

        //get user id hash
        var USER_ID_HASH = getUserIdHash();

        function getUtmSource(ogParamObj) {
            var utmSource = '';
            var clickIdUtmSourceMapping = {
              "gclid": "google"
            };
            if(!!clickIdUtmSourceMapping[ogParamObj.param]){
                utmSource = clickIdUtmSourceMapping[ogParamObj.param];
            }else{
                utmSource = __util.getQueryParameterValue('utm_source');
            }
            return utmSource;
        }

        /**
         * Set Cookie Values
         * fadve2etid = USERID | Generated from Client Side script
         * fadve2etidvcnt = 1 | Increments on every page refresh
         * fadve2esrc = utm_source
         * fadve2etid_oname = gclid
         * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as
         */
        function setCookie() {
            //Get user id Hash
            var userIDHash = USER_ID_HASH;
            //Number of days to store cookies
            var DAYS = {
                TWENTY_YEARS: 365 * 20,
                THIRTY: 30,
                ZERO: 0
            };
            //Get userid from cookie
            var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID);
            /**
             * Set Cookie Values
             * If cookie is not present then create one
             * If the value of userIDHash is different from the cookie value than update the value
             */
            if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) {
                //create cookie for userid
                __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS );
                //set user visit count
                __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO);
            } else {
                //get user visit count
                var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT);
                userVisitCount = parseInt(userVisitCount);
                userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1);
                //set incremented visitor count
                __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO)
            }

        }

        /**
         * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls
         * Set Link Attributes rel="nofollow" & target="_blank"
         */
        function getTrackingIdHash() {
            var hashes = {};
            var uniqueIdHash = getUniqueId('c');
            hashes.uid = uniqueIdHash;
            hashes.tid = USER_ID_HASH + '_' + uniqueIdHash;
            return hashes;
        }

        /**
         * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls
         * Set Link Attributes rel="nofollow" & target="_blank"
         */
        function setTrackingId(elSelector) {
            var elementSelector = elSelector || 'body a';
            var links = document.querySelectorAll(elementSelector);
            if (links.length > 0) {
                for (var x = 0; x < links.length; x++) {
                    var link = links[x];
                    var url = link.getAttribute('href');
                    //get hostname
                    var hostName = __util.getHostname(url);
                    if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST || hostName === LINKSYNERGY_HOST)) {

                        if( hostName !== POLICYGENIUS_HOST ) {
                            __prefetch.init(link);
                        }

                        //Generate Tracking ID
                        var idsObj = getTrackingIdHash();
                        //append tracking id
                        url = appendTrackingId(url, hostName, idsObj.tid);
                        //set tracking attributes
                        link = setAttributesToLink(link, {
                            "href": url,
                            "rel": "nofollow noopener",
                            "target": "_blank",
                            "data-uid": USER_ID_HASH,
                            "data-cid": idsObj.uid,
                            "data-tid": idsObj.tid,
                        });
                    }
                }
            }
        }

        return {
            setCookie: setCookie,
            setTrackingId: setTrackingId,
            getUserIdHash: getUserIdHash,
            USER_ID_HASH: USER_ID_HASH,
            getUniqueId: getUniqueId,
            getTrackingIdHash: getTrackingIdHash
        }
    })(__cookieController, __helper, __linkprefetch);

    //set cookie values
    __linkTrackingController.setCookie();

    function detectIsIE(){
        var ua = window.navigator.userAgent;
        var msie = ua.indexOf("MSIE ");

        // IE browser check
        if (msie > 0 || !!navigator.userAgent.match(/Trident.*rv\:11\./)) {
            return true;
        }
        return false;
    }

    document.addEventListener('DOMContentLoaded', function () {
        //set user id
        var event;
        // The 'new Event' code is not supported in IE so update code for IE
        if(detectIsIE()){
            event = document.createEvent('Event');
            event.initEvent('tidSet', true, true);
        } else{
            event = new Event('tidSet');
        }

        window.dispatchEvent(event);

        window.__mpctc = (function(){
            return {
                'userid': function(){
                    return __linkTrackingController.getUserIdHash();
                },
                'tid': function(){
                    return (__linkTrackingController.getTrackingIdHash()).tid
                }
            }
        })();
    });

</script>
            <script>
            	window.shortcodesOnPage = ["related"];
				if(window.dataLayer){
                    window.dataLayer.push({
                    	'shortcodesOnPage': window.shortcodesOnPage
                    });
                }
                window.shortcodesPartnersOnPage = [];
           	</script><script type="text/javascript">
    var e2e = (function(){

        var E2E_HOST = 'related.forbes.com';
        var BANKRATE_HOST = 'oc.brcclx.com';

        var analyticsParams = {
            pageview_event: 'pageview',
            bankrate_event: 'bankrate',
            page_template: 'Generic Review',
            tid: __linkTrackingController.USER_ID_HASH,
            session_pageview_count: '1',
            original_tracking_param: '',
            original_tracking_param_value: '',
            referrer_host: '',
            referrer_url: document.referrer,
            author_name: 'Kelly Main',
            author_role: 'Former Staff Writer',
            primary_category: 'Business',
            secondary_category: 'Software',
            published_date: 'July 31, 2024',
            updated_date: 'Jul 31, 2024',
            ra_feed_enabled: 0        };

        /**
         * Logs Event to Database
         * @param args
         */
        function log(args){
            var analyticsData = args || {};
            var wp_action = {
                'token': '9771e44f2b',
                'action': 'e2e_logging',
            };
            var data = Object.assign({},wp_action,analyticsData);
            if( Object.keys(analyticsData).length !== 0 ){
                fetch('https://www.forbes.com/advisor/wp-admin/admin-ajax.php', {
                    method: "POST",
                    body: new URLSearchParams(data).toString(),
                    headers: {
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        /**
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        /**
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        /**
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        /**
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            e2eSendPageView();
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