Podio Review 2026: What It Really Costs Real Estate Investors
Aug 26, 2026
Written by
Alex Martinez — Founder & CEO, Real Estate Skills. Has wholesaled and flipped houses for over 14 years, been part of 1,000+ real estate transactions, and personally acquired 33+ residential investment properties. Has trained 6,000+ investors nationwide.
Reviewed by
Ryan Zomorodi — Co-Founder & COO, Real Estate Skills. Reviewed the pricing breakdown, integration requirements, and platform comparisons in this guide before publication.
Publication history: Originally published June 9, 2022. Updated August 2026 with current Progress pricing including the new hybrid model and add-on tiers, a full cost breakdown for investor teams, an expanded integrations section covering Podio's API limits, updated user-review data, and corrected ownership information. Pricing and platform details verified by Ryan Zomorodi, Co-Founder & COO of Real Estate Skills.
Podio is a build-it-yourself CRM, not a real estate CRM. This Podio review found it rates 4.2 out of 5 on G2 across 518 reviews, with real estate its single biggest user industry at 15%. Plans run from free to $19.20 per user monthly — but add-ons and integrations are where the real cost lands.
Ask around in wholesaling circles long enough and someone will tell you the serious operators run Podio. They're not wrong, exactly. Plenty do. What usually goes unsaid is what it took to get there.
Podio isn't a real estate CRM. It's a platform you turn into one. There's no seller-lead app waiting for you, no pipeline stages, no dialer, no skip tracing. You get an empty workspace and the tools to build whatever you want, which is either the best thing about it or the reason you'll quit in week two. Both outcomes are common.
This review is about what that actually costs — in dollars once the add-ons stack up, and in hours before the thing works. We haven't run Podio inside our own business, so what follows is built on Progress's own pricing and technical documentation, aggregate data from 880 verified user reviews across G2 and Capterra, and what the real estate investors who do run it report. Where a number is ours to calculate, we've shown the math.
What Is Podio?
Podio is a customizable work management platform owned by Progress Software. Teams build their own apps, fields, and workflows inside shared workspaces rather than using a fixed system. Investors adapt it into a real estate CRM, but nothing about it is real-estate-specific out of the box.
Podio is what the software industry calls a no-code platform — you assemble working tools by dragging fields around instead of writing code. Think of it less as a product and more as a set of parts. You decide what a "lead" is, what information you track about it, and what happens when it moves from one stage to the next.
That's a genuinely different thing from a CRM — customer relationship management software, the system that holds your contacts and tracks where each deal stands. A normal CRM ships with those decisions already made. Podio hands them to you.
One thing worth clearing up, because half the Podio content online still gets it wrong: Podio is not a Citrix product anymore. Citrix acquired Podio in 2012 and held it for a decade, but after Citrix was taken private in 2022, Podio moved into the Progress Software portfolio. Progress consolidated Podio's marketing onto its own domain in March 2026. If a review tells you Citrix handles your data or your support, that review hasn't been touched in years — which should tell you something about how carefully it was written.
Progress is still actively developing it. There's a new pricing model as of August 2026, a relaunched Podio YouTube channel with tutorials and product demos, and an AI assistant listed in beta on Premium plans. This isn't abandonware.
Read Also: 10 Best CRM For Real Estate Wholesalers
How Does Podio Work?
Podio organizes everything into workspaces, apps, and items. A workspace is a project area, an app is a custom database you design, and an item is a single record inside it. Workflows automate what happens when an item changes. Everything else is built on those four pieces.
Four terms explain the whole system, and once they click, Podio stops being confusing.
A workspace is a container for one area of your business — Acquisitions, Dispositions, Rehab. You control who gets access to each one.
An app is a custom database you design inside a workspace. Not an app you download — an app you build. A wholesaler might create a Seller Leads app with fields for the address, the owner's phone number, the asking price, the estimated repair cost, and a status dropdown. You choose every field.
An item is one record inside an app. One seller lead is one item. One property is one item. Remember this word, because it's the unit Podio's free plan counts against you.
A workflow is an automation, written as a when/then rule. When a lead's status changes to "Under Contract," then assign a task to your dispositions manager and set a follow-up date. That's the piece that turns a database into a system that works while you don't.
Here's what that looks like assembled. A lead comes in through a web form and lands as a new item in your Seller Leads app. A workflow assigns it to whoever's on acquisitions and sets a callback task for that afternoon. Your VA updates the status after the call, which triggers a follow-up sequence. When the numbers work, the item moves to a Deals app, and the disposition side picks it up. Nobody is checking a spreadsheet to see what happened.
That's the appeal, and it's real. It's also entirely on you to build. Every field, every stage, every rule. Podio gives you the parts and a blank page.
What Podio Actually Costs A Real Estate Investor
Podio lists at $0, $11.20, or $19.20 per user per month on annual billing. That's not what you'll pay. Podio now uses hybrid pricing — a per-seat subscription plus usage-based add-ons for API calls and automation. A working three-person wholesaling setup lands closer to $120 a month before a dialer.
Start with the sticker price, because it's the number every other review stops at.
| Plan | Annual (per user/mo) | Monthly (per user/mo) | What You Get |
|---|---|---|---|
| Free | $0 | $0 | Up to 5 users, 100 items total |
| Plus | $11.20 | $14.00 | Unlimited items, user management, simple workflows, read-only access |
| Premium | $19.20 | $24.00 | Advanced Workflow Automation, visual reports, partner extension offers |
Pricing accurate as of August 2026 and excludes applicable taxes. Progress updated Podio's pricing model this year — confirm current rates on Podio's pricing page before you buy.
Now the part that matters.
The Free Plan Is Not A Free CRM
Podio's free tier caps you at 100 items per organization — the total across every app and workspace you build, not per app. One seller lead is one item. A single marketing list exhausts the entire plan.
Remember what an item is from the section above: one record. One lead. One property. The ceiling is 100 of them across your whole account.
Pull a list of 200 leads and you cannot put them in Podio on the free plan. Not "it gets slow" — you hit a wall, and you hit it in your first week of marketing. Free is for clicking around the interface to see whether you like it. It is not a system you can run deals on, and any review that calls Podio "free for small teams" without saying this is doing you a disservice.
There is a real trial worth knowing about, though: eligible free organizations can start a 30-day Premium trial from inside the platform. That's the honest way to evaluate it.
Podio's Pricing Is Now Hybrid
Progress introduced a new hybrid pricing model for Podio in August 2026. Hybrid means your seat subscription is the base layer, and usage gets metered on top. Two things are metered.
API calls. An API — application programming interface — is a doorway that lets two pieces of software pass data to each other automatically. Every time your dialer logs a call into a lead record, or a web form pushes in a new lead, or Zapier moves data across, that's an API call.
π The Number Nobody Mentions
Every Podio plan — Free, Plus, and Premium — is capped at 1,000 API calls per hour. Upgrading to Premium does not raise it. Premium buys better automation, not more integration headroom. Raising the cap requires a paid add-on:
- 2,500 calls/hour — $23/month
- 5,000 calls/hour — $39/month
- 10,000 calls/hour — $55/month
- 25,000 calls/hour — $103/month
- 50,000 calls/hour — $159/month
If the whole reason you're choosing Podio is that it connects to everything, price this in before you commit.
Picture a normal Tuesday. Your dialer writes every call and text back into the lead record. A web form pushes new leads in. A Zap syncs your list-pulling tool. Your VA updates records by hand. All of it draws from the same hourly bucket. Run a calling session across a few hundred leads and you can hit the ceiling mid-afternoon, at which point things stop syncing until the hour resets.
Automation actions. The second metered item. Add-ons run $39/month for 100,000 actions per month, scaling to $559/month for five million.
What It Actually Costs: Two Worked Examples
π‘ Solo Investor
- Skip Free — the 100-item cap makes it unusable for real lead flow.
- Plus at $11.20/month gets unlimited records and simple workflows: $134/year.
- Want to call sellers from inside Podio? smrtPhone is Premium-only, so you're at $19.20/month: $230/year.
- Add the entry API tier once your dialer starts writing back: +$23/month.
- Realistic solo total: about $506/year.
π‘ Three-Person Wholesaling Team
- Three Premium seats at $19.20: $57.60/month.
- Entry API add-on: +$23/month.
- Entry automation add-on: +$39/month.
- Subtotal: $119.60/month, or roughly $1,435/year — before the dialer, before data tools, before anyone builds anything.
- Add a prebuilt real estate system on top (one provider charges $299/month) and you're over $400/month.
That's the honest floor, and it's roughly consistent with the one outside estimate that exists — a competing platform puts the typical Podio wholesaler stack at $100 to $300 a month plus ongoing maintenance hours.
Most investors don't assemble Podio from scratch, either. They buy a prebuilt real estate system that runs on top of it, which is a real cost most reviews leave out entirely.
Two Numbers We Can't Give You
smrtPhone bills separately and its pricing isn't published on Podio's site, so you'll need to price that directly. And Progress doesn't publish how much automation capacity comes included with Plus and Premium before the add-ons kick in, which means we can't tell you at what volume you'd actually need that $39 tier.
Ask their sales team before you commit. Anyone quoting you a confident number on either without checking is guessing.
A CRM Doesn't Find Deals. You Do.
You can build the cleanest pipeline in Podio and still have nothing to put in it. Software tracks the work — it doesn't do the work. The investors who actually get paid learned a process first: how to find discounted properties, how to lock them up, and how to get to a closing table. Our FREE Training walks you through that entire system, the same one thousands of our students use. Get the process right, then pick whatever tool fits it.
Watch The FREE Training →Podio Integrations For Real Estate Investors
Podio's native integration list is short — file storage, calendars, and a handful of business tools. Everything real estate investors actually need, like dialers, skip tracing, and lead sources, connects through partner extensions, Zapier, or Podio's API. That flexibility is real, and it's capped at 1,000 API calls per hour.
Here's what confuses people about Podio and integrations. You'll read that it connects to everything, and you'll read that its integrations are limited, and both are true. They're describing different layers.
Podio connects to outside tools three ways, and which one you're using changes the cost, the setup time, and how likely it is to break.
Layer 1: Native Integrations
The ones Podio ships with. The published catalog is short — Zapier, Microsoft Excel, Google Calendar, Google Drive, Zoho CRM, Box, Dropbox, and ShareFile. File storage, documents, calendars, and accounting.
Useful for running an office. Nothing on that list will find you a seller.
Layer 2: Partner Extensions
Tools built specifically for Podio by other companies. This is where the real estate stack lives.
smrtPhone is the phone system built for Podio — calls and texts from inside a lead record, with a power dialer. It's Premium-only, though Premium organizations get $100 in free credit toward it. It bills separately from your Podio subscription.
Plecto supplies interactive sales dashboards, also offered to Premium organizations at a discount. Useful once you have a team whose numbers you want on a screen.
Both are real integrations rather than workarounds — they were built for Podio specifically, so they behave better than something bolted on through a connector.
Layer 3: The API And Zapier
Everything else. Podio provides a full REST API and webhooks, which is genuinely why investors pick it: if a tool has an API, you can wire it to Podio. Zapier is the no-code version of the same idea — you connect two apps through a visual interface instead of writing anything. It's the integration Podio reviewers mention most often, which tells you how much of the connecting happens at this layer.
This is the honest answer to "does Podio integrate with X." Usually yes, eventually, with work. The technical details live in Podio's documentation if you want to see what you're getting into.
The Ceiling On All Three
Every one of those connections spends API calls, and the cap from the pricing section applies across all of them combined — 1,000 per hour on every plan, Premium included.
That's the constraint that turns "Podio connects to everything" into something with a limit. It doesn't mean the integrations don't work. It means there's a volume at which they stop working until the hour resets, and that volume arrives sooner than most investors expect once a dialer is running.
What Podio Has None Of
π Not Included — Bring Your Own
Podio ships with none of the following. Each one is a separate subscription, a separate login, and another integration to build and maintain:
- Skip tracing — finding an owner's phone number from an address.
- List building and list stacking — no property data, no motivated-seller filters.
- Property lookup and comps — nothing to tell you what a house is worth.
- Dialer, SMS, and ringless voicemail — calling requires a partner extension.
- Direct mail — no postcard or letter campaigns.
- Driving for dollars — no mobile property-scouting.
- Speed-to-lead auto-calling — nothing dials an inbound web lead instantly.
None of that is a flaw. Podio was never a real estate product — it's a general work platform investors adopted.
But it means every tool that generates your deal flow lives outside Podio, and connecting them is your job.
That's the trade. You get a system shaped exactly like your business, assembled from parts you chose. You also own every seam.
Pros And Cons Of Using Podio
Podio's strengths and weaknesses are the same trait viewed from two sides. Total customization means it fits your business exactly and takes weeks to build. Low seat pricing means it's cheap to start and easy to underestimate once add-ons stack up.
| Pros | Cons |
|---|---|
| Build a system shaped exactly like your process, not a vendor's assumption of it | Weeks of setup before it does anything useful |
| Low seat cost — $11.20 to $19.20 per user monthly on annual billing | Add-ons for API and automation push the real bill well past the sticker price |
| Full REST API and webhooks — if a tool has an API, you can connect it | 1,000 API calls per hour on every plan, Premium included |
| Scales from solo operator to full team without switching platforms | No skip tracing, dialer, property data, or direct mail — all bought separately |
| You own the system and the data — no vendor dictating your workflow | Steep learning curve; reviewers consistently name it the main drawback |
| Actively developed — new pricing model and AI assistant in beta as of 2026 | Interface looks dated next to newer platforms |
| Mobile app for managing the business away from a desk | Someone has to own the build permanently, not just at setup |
Read those columns side by side and the pattern is hard to miss. Nearly every con is the cost of the pro sitting next to it. That's not a hedge — it's the actual shape of the product, and it's why Podio reviews swing so wildly depending on who wrote them.
Who Should Use Podio?
Podio fits investors with a defined process worth encoding, someone on the team who will own the build, and a workflow that off-the-shelf software keeps getting wrong. It rewards operators who know exactly how they work and want software to match.
Three profiles get real value out of Podio.
The Investor With A Process That Doesn't Fit
You've done enough deals to know your workflow, and you've hit the edge of an off-the-shelf CRM — a field you couldn't add, a stage that didn't match how you actually work, a report that wouldn't show you the thing you needed. That friction is the entire case for Podio. You're not buying features; you're buying the ability to stop working around someone else's assumptions.
The Team With Distinct Roles
Acquisitions, dispositions, transaction coordination, VAs. Podio's workspace-and-permissions structure handles this well — each role sees their own area, tasks route automatically, and nobody's asking in a group chat what happened with a lead. The more people touching a deal, the more the setup investment pays back.
The Operator Who Wants To Own The System
Some investors genuinely dislike renting their operations from a software company that can change the product, raise the price, or sunset a feature they depend on. With Podio you own the structure and the data. That matters more to some people than to others, and if it matters to you, it's a legitimate reason to choose it.
What links all three: they know what they want the software to do before they open it. That's the actual prerequisite — not technical skill, not team size. A clear process.
Who Should Not Use Podio
Podio is the wrong tool for investors who need a working CRM this week, who don't want to maintain software, or who are still doing their first few deals. It rewards people who have a defined process and want to encode it. It punishes people hoping software will supply the process.
Most reviews of anything are written to get you to buy something. So here's the section that isn't.
Skip Podio If You Haven't Closed A Deal Yet
This is the big one. A new investor picking a CRM is usually procrastinating — building the system feels like progress, and it's more comfortable than calling a stranger about their house. Podio is an especially good place to hide, because there's always another app to configure.
If you don't have a repeatable process yet, you have nothing to encode. Track your first few deals in a spreadsheet and put the time into finding sellers instead.
Skip It If You Want To Be Running Next Week
Setting up a functional real estate CRM in Podio — deal stages, automations, connected apps — typically takes weeks, and many investors hire certified implementation partners rather than build it themselves. Purpose-built investor platforms are configured on day one. If speed to a working system is what you're optimizing for, that's a real and legitimate reason to choose something else.
Skip It If Nobody On Your Team Likes Fiddling With Software
Someone has to own the Podio build — not just at setup, but forever. Integrations break. A tool changes its API. A new hire needs a workspace and permissions. And there's no real estate support team to call when your dialer stops writing back to lead records, because Podio isn't a real estate product. If nobody on your team enjoys that work, it becomes nobody's job, and the system quietly rots.
Skip It If Your Workflow Is Genuinely Standard
Podio's whole value is fitting a business that doesn't fit off-the-shelf software. If you're running ordinary wholesaling — pull a list, market to it, work the leads, assign the contract — that's exactly the workflow purpose-built investor CRMs were designed around. Building it yourself gets you the same result for more money and several weeks of work. Flexibility you don't need is just complexity.
Skip It If The Real Cost Breaks Your Budget
Reread the numbers above. If $120 a month for a three-person setup, plus a dialer, plus possibly a prebuilt system on top doesn't work for you — that's useful to know now rather than after you've built it.
Software Won't Find Your First Deal
Most investors shopping for a CRM haven't closed anything yet, and building the perfect system feels like progress in a way that calling a stranger about their house does not. It isn't. A pipeline with nothing in it is just a very organized way to track zero deals. Before you spend a dollar on software, learn how to find discounted off-market properties and get one under contract. Download our Ultimate Guide and start there — the CRM decision gets easy once you have deals to put in it.
Read Also: Wholesaling Real Estate For Beginners
Podio Alternatives For Real Estate Investors
The main alternative to Podio isn't another flexible platform — it's a purpose-built investor CRM that arrives pre-configured with dialers, skip tracing, and deal stages. Tools like PropStream and BatchLeads aren't alternatives at all; they generate leads rather than manage them.
Half the confusion in this comparison comes from lumping together tools that do different jobs. Sort them first.
- Purpose-built investor CRMs replace Podio. Same job, opposite philosophy.
- Lead-generation and data tools don't replace Podio — they feed it. Comparing Podio to PropStream is like comparing a filing cabinet to a mailing list.
- Disposition platforms don't replace it either. They help you sell a deal once you have one.
Only the first category is a real alternative.
Podio vs. A Purpose-Built Investor CRM
REsimpli is the clearest example. It was founded in 2016 by Sharad Mehta, a practicing investor who has completed over 750 deals, and it's built specifically for wholesalers, flippers, and buy-and-hold investors. The pitch is the inverse of Podio's: setup takes minutes rather than weeks, the CRM ships pre-configured for investing workflows, and a native dialer with call scripts, voicemail drops, and AI call answering is included on all paid plans.
| Podio | Purpose-Built Investor CRM | |
|---|---|---|
| Setup | Weeks, or hire a partner | Ready on day one |
| Fit | Exactly your process | Their process |
| Dialer | Partner extension, Premium only | Usually included |
| Skip tracing & data | None — bring your own | Usually built in |
| Cost shape | Seats plus metered add-ons | Flat tiers |
| Breaks when | An integration changes | Rarely — it's one system |
| Best for | Defined process, someone to own it | Getting to work fast |
Which one you should pick comes down to a question that has nothing to do with features: do you have a process worth encoding?
If yes, and it's genuinely yours, Podio's flexibility is worth the build. If you're running standard wholesaling, a purpose-built CRM gets you there in an afternoon for less total cost. That's not a consolation prize — for most investors, especially newer ones, it's the better answer.
Other investor-specific platforms worth comparing include InvestorFuse, REIPro, and FreedomSoft.
Tools That Sit Alongside Podio, Not Instead Of It
PropStream and BatchLeads are data platforms — property records, comps, list building, skip tracing. Neither manages a pipeline. Investors typically run one to source leads and push them into whatever CRM they use.
InvestorLift is a disposition marketplace for moving deals to cash buyers. Different end of the process entirely.
If you're wondering whether to choose Podio or PropStream, the answer is usually both — they're not competing for the same slot.
On The Zapier Question
One thing investors search for specifically: alternatives that don't require Zapier and a stack of connectors. That's a fair complaint. Podio's approach means the seams are yours to maintain, and limited native integrations with Zapier as the fallback is one of the most consistent reviewer criticisms.
Purpose-built platforms solve this by owning the whole stack — the dialer, the data, and the CRM are one system, so there's nothing to connect. You trade flexibility for not being your own integration engineer. Whether that's a good trade depends entirely on how much you enjoy being your own integration engineer.
Read Also: 10 Best CRM For Real Estate Wholesalers
What Real Podio Users Say
Podio holds a 4.2 out of 5 on G2 across 518 reviews and a 4.3 on Capterra across 362. Reviewers consistently praise the customization and consistently flag the same two problems: a steep learning curve and thin native integrations. Real estate is Podio's single largest reviewer industry.
Roughly 880 verified reviews sit across the two major software directories, and they tell a remarkably consistent story.
| Source | Rating | Reviews |
|---|---|---|
| G2 | 4.2 / 5 | 518 |
| Capterra | 4.3 / 5 | 362 |
Two things about who's leaving those reviews. Small business accounts for 61.1% of G2's Podio reviews, and real estate is the largest single industry among Capterra's reviewers at 15% — ahead of marketing at 10% and IT at 8%. Task management is the most-cited use case, named by 58% of reviewers.
That second number is worth sitting with. Real estate isn't a fringe use case someone bolted onto Podio. It's the biggest slice of the user base. When investors say the serious operators run Podio, the review data backs them up.
What Users Praise
The theme never changes: reviewers describe extensive customization, workflow automation, and the ability to centralize project tracking and communication in one place, which they say improves productivity and transparency. G2 reviewers specifically call out lead and process management, noting that centralizing tasks and files improves team communication and follow-up.
People who make Podio work tend to describe it in terms of fit — it does what their business does, rather than what a software company assumed their business does.
What Users Complain About
Also consistent, and it's two things.
The first is the learning curve. Reviewers repeatedly describe initial complexity and a steep ramp for new users, saying it becomes user-friendly only once it's set up. One Capterra reviewer framed the paradox better than any critique could: the flexibility itself is the problem, and it runs through the whole product.
The second is integrations. Capterra reviewers cite limited native integrations, with several naming Zapier as the workaround they rely on — the same constraint the integrations section above arrives at from a different direction.
There's also a recurring cost note. Users report pricing escalating with advanced features or larger teams, and some report slow support and occasional outages. Reviewers say the Plus tier handles customization well, but advanced automation, reporting, and extensions push costs up, especially for small teams.
The Pattern
Podio's ratings are good, not spectacular, and the distribution explains why. People who invest the setup time love it and stay for years. People who expected to log in and start working bounce.
The score is an average of two very different experiences. Which is why "is Podio good" is the wrong question. The right one is whether you're the kind of user who finishes the build.
Podio Review FAQs
Final Verdict: Is Podio Worth It?
Podio is worth it for investors with a defined process, someone to own the build, and a workflow off-the-shelf software keeps getting wrong. For everyone else — especially anyone still chasing a first deal — a purpose-built investor CRM delivers more, faster, for less total cost.
Podio's reputation among real estate investors is earned. The review data confirms it: real estate is the platform's largest user industry, and the operators who run it have built something no off-the-shelf product would have given them.
But the reputation gets passed along without the fine print, and the fine print is most of the story. Podio is not a real estate CRM. The free plan tops out at 100 records. The real monthly cost is roughly double the sticker price once add-ons stack up. Every plan, Premium included, caps API calls at 1,000 an hour. And nothing that generates your deal flow — skip tracing, property data, a dialer, direct mail — comes in the box.
None of that makes it a bad product. It makes it a specific one. Podio is a set of parts, sold to people who know what they want to build. Handed to someone who doesn't, it's an expensive way to stay busy.
So the honest verdict is a question rather than a score. Do you have a process worth encoding? If you've closed enough deals to know exactly how you work, and you've been annoyed by software that wouldn't bend to it, Podio is hard to beat and the setup cost is worth paying. If you're still figuring out what your process is, the software isn't the thing standing between you and your next deal.
Either way, go in knowing the real number. That's the part every other Podio review leaves out.
Pick The Software Later. Learn The Process First.
Podio, a purpose-built CRM, or a spreadsheet for another six months — it matters far less than whether you know how to find a discounted property, get it under contract, and collect a check. Every investor running a serious system built the process before the software. Our FREE Training walks you through the whole thing, the same one thousands of our students use. Watch it today, then go build a pipeline worth managing.
Watch The FREE Training →About The Author
Founder & CEO, Real Estate Skills
Alex Martinez is the Founder and CEO of Real Estate Skills. He has wholesaled and flipped houses for over 14 years, been part of 1,000+ real estate transactions, and personally acquired 33+ residential investment properties. Through Real Estate Skills, Alex and his team have trained 6,000+ investors nationwide on how to find deals, evaluate the tools worth paying for, and close profitable real estate transactions.
Real Estate Skills is not affiliated with Progress Software or Podio, and this review is provided for educational purposes only — it does not constitute legal, tax, or financial advice. Software pricing, features, and plan structures change frequently; all figures were accurate as of August 2026 and should be confirmed directly with the vendor before purchase. Real estate investing carries risk, and past results do not guarantee future outcomes. Always consult a licensed professional before entering into any contract or transaction.


