Account aggregation is a feature that lets your clients link their external financial accounts — bank accounts, investment accounts, credit cards, and more — directly to Kerdora. Once linked, you get live balances, investment holdings, and spending transaction data without anyone having to manually enter or update that information.
What It Does
When a client links their accounts, Kerdora pulls in three types of data automatically:
Account balances — Current balances for checking, savings, investment, retirement, and credit card accounts, updated regularly.
Investment holdings — Individual positions within investment and retirement accounts, including ticker symbols and values.
Spending transactions — Transaction-level detail for bank and credit card accounts: date, description, merchant, amount, and account. New transactions sync automatically and are auto-categorized.
Balances and holdings flow into the same places you'd normally enter them manually — the Accounts page under Profile. Spending transactions land on the Spending page under Planning (marked Beta), where you can categorize, tag, filter, and review them and see a transaction-derived cashflow view. It all works seamlessly with the rest of Kerdora's planning tools.
Why It Matters
Without account aggregation, keeping client data current means either you or your client has to manually update balances, add new holdings, and track spending. That's time-consuming and the data goes stale quickly.
With account aggregation:
Data stays current — Balances, holdings, and transactions update automatically, so you're always working with recent numbers.
Less manual work — No more re-keying account statements or asking clients to send screenshots of their balances.
Better data accuracy — Balances and holdings come straight from the institution, so you're working with real numbers instead of estimates.
Clients stay engaged — When clients link their accounts, they're more connected to the planning process and more likely to use the portal.
What It Is Not
Account aggregation is not a custodian integration. It doesn't connect to Schwab, Fidelity, or any other custodial platform to place trades, sync models, or pull custodial reports. It's a read-only data connection — Kerdora can see account information, but it can't take any action on those accounts.
It's also not a replacement for the Extractor or manual data entry. Account aggregation covers live account data, but things like insurance policies, estate documents, and other non-account information still need to be entered through the Extractor or manually.
How to Get Started
Account aggregation is enabled on a per-client basis. Once you turn it on for a client, they'll see the option to link their accounts when they log into the Client Portal. The other articles in this collection walk through the setup process step by step:
How to Enable Account Aggregation for a Client — Turning the feature on from the advisor side.
How Clients Link Their Accounts — What the client experience looks like.
What Data Is Available After Accounts Are Linked — A closer look at what comes through.
Troubleshooting Account Aggregation — Common issues and how to resolve them.