Account aggregation lets your clients link their bank and investment accounts to Kerdora for automatic balance updates and live data. There's no toggle you need to flip. To enable it, you just need to invite the client to the portal. Once they have portal access, they can link accounts on their own.
What You Need to Do
Account aggregation is available to every client who has portal access. Your only step is making sure the client has been invited.
Open the client's file
Go to Profile > Household
Click on the adult you want to invite
Click Invite to Portal and copy the invite link
Share that link with your client
That's it on your end. Once the client logs into the portal, they'll see the option to link their accounts.
If you haven't invited a client to the portal yet, account aggregation won't be available to them. Portal access is the prerequisite.
What the Client Sees
Your client encounters account linking in two places:
During onboarding — When the client first logs in, they go through a short onboarding flow. One of the steps is called "Link Your Accounts", where they can click Link Account to connect their bank or investment accounts. They can also skip this step and come back to it later.
From their Balance Sheet — After onboarding, the client can link accounts anytime by going to Profile > Accounts and clicking the Linked Accounts tab. The Link Account button is right there.
When the client clicks Link Account, a secure connection window opens where they log into their bank or brokerage. Kerdora uses MoneyKit to handle the connection, so credentials are never stored in Kerdora.
What Happens After Accounts Are Linked
After the client connects an institution, a review screen appears. Each account from that institution is listed, and the client (or you, if you're working together) chooses what to do with each one:
Link to an existing account — Maps it to an asset or liability already in Kerdora, so balances sync automatically
Create new — Creates a new account in Kerdora from the linked data
Skip — Ignores that account (useful for accounts you don't need to track)
After confirming, click Confirm & Sync and balances start syncing automatically.
Linking an investment account replaces its current holdings with live data from the institution. If you've manually entered holdings, they'll be overwritten once the account syncs.
What You See as the Advisor
You can view a client's linked accounts from Profile > Accounts in the client's file. Click the Linked Accounts tab to see:
Which institutions are connected
The connection status (Connected, Pending Review, Error, or Stale)
When the last sync happened
Individual accounts under each institution
If no accounts have been linked yet, you'll see a message: "No linked accounts. The client has not connected any bank or investment accounts yet."
You can't initiate a new link from the advisor side — the client needs to do that themselves through the portal. But once an institution is connected, you can take action directly:
Refresh — Click the refresh icon on any institution card to pull the latest balances and holdings.
Reconnect — If a connection shows an Error badge, click Reconnect to have the client re-authenticate.
Disconnect — Click the trash icon to remove an institution's connection entirely. The accounts stay on the balance sheet but stop syncing.
Review accounts — If a connection shows Pending Review, click Review Accounts to map the institution's accounts to existing entries in Kerdora or create new ones.
Billing
Account aggregation is included in your Kerdora subscription for the first 10 clients. After that, each additional client with linked accounts costs $3.50/month. Only clients who have actively linked at least one account count toward this total.