Account aggregation lets a client connect supported bank, investment, retirement, and credit-card accounts to Kerdora. Kerdora can then update available balances, holdings, and transactions from the institution instead of relying only on manual updates.
The client authorizes the connection. The advisor can review the resulting accounts and use the linked information throughout the client file.
What information can account aggregation bring into Kerdora?
The information depends on the institution and account, but it can include:
Account details and balances for supported asset and liability accounts.
Investment holdings for supported investment and retirement accounts.
Transactions for supported bank and credit-card accounts.
Linked balances and account details appear with the household's accounts under Profile > Accounts. Investment holdings are used in the relevant investment views. Available transactions appear in the household's spending experience.
Account aggregation does not guarantee that every institution will be available or that every account will provide every data type. If something is not available through the connection, keep that information current through documents, the Extractor, or manual entry.
How does an account become linked?
The client starts the connection from the client portal:
Open Profile.
Select Accounts.
Open Linked Accounts.
Select Link Account.
Choose the institution and complete its sign-in and authorization steps.
After the connection finds accounts, Kerdora opens Review Accounts. For each discovered account, the reviewer chooses one of three outcomes:
Link it to a matching account that already exists in Kerdora.
Create a new Kerdora account.
Skip it.
Select Confirm & Sync after reviewing the choices. If an investment account is linked to an existing Kerdora account, the linked holdings replace that account's current holdings.
What can the advisor and client do after the connection is created?
The advisor can open the client's Profile > Accounts > Linked Accounts to:
review the institution and its accounts;
see when the institution last synced;
refresh a healthy connection;
review newly detected accounts; and
disconnect the institution.
The client can use those controls in the portal and can also:
connect another institution;
reconnect an institution when new authorization is required; and
unlink an individual account from its institution connection.
If the connection shows Error, the client must complete Reconnect. The advisor sees a disabled Reconnect control with a reminder to ask the client to reconnect.
What do the connection statuses mean?
Connected means the connection is available and shows its most recent sync time.
Stale means the last successful sync is more than 48 hours old. Try Refresh; the institution may also be temporarily unavailable.
Error means the connection needs attention. Ask the client to open the portal and select Reconnect.
Kerdora can also show Review Accounts when the connection is new or when the institution reports another account that has not been mapped yet.
What happens if the connection is removed?
Disconnect removes the institution connection. The Kerdora accounts remain on the household's balance sheet but stop syncing automatically.
When the client uses Unlink account for one account, that asset or liability also remains in Kerdora as a manual entry. Only that account stops syncing.
What account aggregation does not do
Account aggregation is not a custodian or trading integration. It does not place trades, move money, manage models, or replace custodial reporting.
It also does not replace the rest of the client data process. Insurance, estate information, planning assumptions, and other records still need to come from the appropriate Profile editor, document, Extractor workflow, or supported import.