Account aggregation is available after an adult receives portal access. The client initiates the institution connection and completes bank authentication. The advisor prepares portal access, then reviews the connected institution and mapped records.
How do I make account linking available to a client?
Open the client and go to Profile → Household.
Find the adult who should receive access.
Select Invite.
Choose the appropriate onboarding route.
Select Copy Invite Link.
Send that personal link through your normal communication channel.
You can also invite adults under Office → Plan Setup → Invite clients while Plan Setup is active. Kerdora does not send the invite link automatically.
How does the client connect an institution?
After signing in, the client opens portal Profile → Accounts and selects Link Account. The client completes institution authentication, returns to Kerdora, and reviews the discovered accounts.
For each discovered account, the client chooses to link it to an existing Kerdora record, create a new record, or skip it. The client then confirms the review so synchronization can begin.
Avoid creating a second Kerdora account when the institution account already corresponds to a manual record. Linking to the existing record preserves one planning account.
What can the advisor do after connection?
Open the client and go to Profile → Accounts. Review the institution card, status, last sync, and discovered accounts.
The advisor can Refresh a healthy or stale connection.
Review Accounts is available for resolving discovered accounts where shown.
The client must complete institution authentication and reconnect when bank credentials or consent are required.
Client portal controls include Disconnect for an institution and Unlink account for a mapped record.
Disconnecting or unlinking stops synchronization but retains the applicable asset or liability as a manual record. Read the confirmation before proceeding.
What happens to linked data?
Available balances, holdings, transactions, and metadata depend on the institution and account. Linked investment holdings replace the manual holdings on the mapped linked account. Review the mapped account before confirmation when manually entered holdings matter.
Connected does not guarantee that every product or date range is available. Check status and last sync before treating the data as current.