The Extractor is the fastest way to populate a client's profile, but you can also enter everything by hand. All manual data entry happens in the Profile tab, which has four sub-tabs: Accounts, Cashflow, Insurance, and Household. Each one covers a different part of the client's financial picture.
To get to the Profile tab, click into a client from the Clients page, then click Profile in the sidebar.
Accounts
The Accounts tab is where you enter everything on the client's balance sheet, their assets and liabilities.
Balance Sheet toolbar
Before the add / edit workflow, a few header controls make the whole page easier to navigate:
Owner filter pills — All / each adult / Joint. Shows only the accounts and liabilities owned by the selected filter. Useful when you're working through a spouse's side of the balance sheet.
Hide excluded — a toggle that collapses any row with Exclude From Plan turned on, so the planning-relevant items aren't cluttered by tracked-but-ignored accounts.
Sort by dropdown — Account type, Account name A-Z, Owner, Balance high-to-low, or Balance low-to-high. Gets applied across assets and liabilities consistently.
Goal Mapping button — shortcut to the account-to-goal assignment view.
Time Horizons button — opens a drawer with every investment account and a time-horizon dropdown next to each, so you can set them all in one pass instead of opening drawers one by one. This drawer is also reachable from the header of the Investments Portfolio page.
Target Portfolios button — deep-links into Investments > Model Portfolios so you can assign target allocations for this client.
The owner filter, hide-excluded toggle, and sort order all persist on the client, so the next time you open the Balance Sheet it looks the way you left it.
Assets
Click Add Asset to create a new asset. You'll choose a type first, then fill in the details. The Add Asset modal creates the record with reasonable defaults and jumps you straight into the drawer via the Open full panel button if you want to fill in the rest without any extra clicks.
Bank Accounts — Checking, Savings, HYSA, Money Market, CD, Cash, or Other.
Fields: Account name, Owner, Balance, Institution, Account Number, Interest Rate, Notes
Turn on the Savings toggle to track contributions. Enter an amount and a frequency (Weekly, Monthly, Quarterly, or Annually)
Add Beneficiary Designations (primary and contingent, with percentages). Set a Review Status (Confirmed, Needs Review, Unknown) and a Last Confirmed date
Investment Accounts — Traditional IRA, Roth IRA, 401(k), 403(b), 457(b), TSP, Solo 401(k), SEP-IRA, SIMPLE IRA, HSA, FSA, 529, Taxable, and many more.
Fields: Account name, Owner, Balance, Institution, Account Number, Time Horizon, Target Allocation, Notes
Like bank accounts, you can enable savings tracking with an amount and frequency (Weekly, Monthly, Quarterly, Annually)
For employer-sponsored accounts, set up an Employer Match by linking an income source and defining match tiers (e.g., "100% match up to 3% of income")
Add Beneficiary Designations with primary/contingent allocations, Review Status, and Last Confirmed date
529 accounts let you assign a Beneficiary (typically a child)
Property — Primary Home, Other Home, Investment Property, Land, or Other.
Fields: Property name, Owner, Estimated Value, Property Address, Purchase Price, Purchase Year, Property Tax, Maintenance Costs, Notes
Purchase Price and Purchase Year feed the primary-residence tax exclusion checks in Observations (the $250K/$500K exclusion window)
Annuities — MYGA, FIA, Variable, or Fixed.
Fields: Annuity name, Owner, Balance, Company, Policy Number, Investment Type, Time Horizon, Surrender Free status, Policy Date, Notes
Add Beneficiary Designations the same way as bank and investment accounts
Business — A business asset with a name, owner, and balance. Pair it with a planning record in Planning > Business for valuation, cash flow, and exit planning — see the Business Owner Module article.
Deleting an asset
To delete an asset, click the account name to open the edit drawer. You'll see a trash icon in the top-right corner next to the account name. Click it, and you'll be asked to confirm before the asset is removed.
Liabilities
Click Add Liability to create a new liability. Same "Open full panel" shortcut is available on the modal.
Loans — Mortgage, Auto Loan, Student Loan, HELOC, or Other.
Fields: Account name, Balance, Owner, Payment Amount, Payment Frequency (Monthly, Quarterly, or Annually), Interest Rate, Institution, Notes
Account details section underneath holds Minimum Payment, plus the mortgage-specific fields below
Rate Type (Fixed or Adjustable) and, for ARMs, the ARM Fixed Period Ends date. This drives the "ARM reset approaching" observation.
Maturity Date — when the loan pays off. Used to flag mortgages that extend past the client's retirement.
Paying PMI toggle on mortgages. Flips on the "PMI still paying" observation so you catch it when equity is high enough to drop PMI.
Paid in Full toggle marks a liability as settled without deleting it
Mortgages and HELOCs can be linked to a property asset so the loan and property stay connected
Credit Cards
Fields: Account name, Balance, Owner, Payment Amount, Payment Frequency, Interest Rate, Institution, Paid in Full toggle, Notes
Account details section holds Minimum Payment
Every asset and liability has an Exclude from Plan toggle. Turn this on if you want to track something in the profile but keep it out of the planning calculations (like a Goals analysis or insurance calculator).
Notes on every item
Every account, liability, goal, insurance policy, and client-level record has a Notes field with a visibility toggle. Flip it to Internal (advisor-only, the default) or Client visible (shown to the client in the portal). The timestamp next to the toggle shows when the note was last edited.
Cashflow
The Cashflow tab tracks three things: income coming in, savings going out, and debt payments.
Income
Click Add Income to create a new income source. Each income entry has:
Income name
Owner (which household member earns it)
Amount and Frequency (weekly, bi-weekly, monthly, quarterly, semi-annually, or annually)
Income Type — Wages, Self-Employment, Social Security, Investment Income, Ordinary Income, Tax Exempt, or Not Taxable
Income type matters because it affects how the tax scenario builder treats the income.
Savings
The Savings section pulls in any bank or investment accounts that have savings tracking enabled. You can edit the savings amount directly from this view without going back to the Accounts tab.
Debt Payments
The Debt Payments section pulls in payment information from your liabilities. You can edit payment amounts and frequencies inline here as well.
Giving (if enabled)
If the client has the Giving feature turned on (Profile > Household), a Giving section appears here too. See the Giving article for how the feature works.
Insurance
The Insurance tab captures all of a client's insurance policies. Click Add Policy and choose the type.
Life Insurance — Term, Whole, Universal, Variable, Group, or Other.
Fields: Policy name, Insured, Death Benefit, Cash Value, Provider, Policy Number, Premium Amount, Premium Frequency, Policy End Date
Beneficiaries are captured as a structured list (primary and contingent, with percentages) just like on investment accounts
Disability Insurance
Fields: Policy Holder, Policy Type (Group or Individual), Benefit Type (monthly dollar amount or percentage of salary), Benefit Amount, whether the benefit is taxable, Inflation protection, Benefit Period, Elimination Period, Own Occupation clause, Provider, Policy Number, Premium, Policy End Date
Homeowners Insurance
Fields: Policy name, Linked Property, Carrier, Dwelling Coverage, Dwelling Deductible, Wind/Hail Deductible, Personal Property Limit, Premium, Policy End Date
You can link a homeowners policy to a property asset from the Accounts tab
Auto Insurance
Fields: Policy name, Carrier, Bodily Injury limits (per person and per occurrence), Property Damage Limit, Medical Payments, Collision Deductible, Comprehensive Deductible, Uninsured Motorist coverage, Premium, Policy End Date
Long-Term Care Insurance — Traditional LTC, Hybrid Life/LTC, Hybrid Annuity/LTC, or Other.
Fields: Policy name, Owner, Daily Benefit, Benefit Period, Elimination Period, Inflation Protection, Provider, Policy Number, Premium, Policy End Date
Liability Insurance — Personal Liability, Professional Liability, Umbrella Policy, or Other.
Fields: Policy name, Coverage Amount, Coverage Details, Provider, Policy Number, Premium, Policy End Date
Health Insurance
Fields: Policy name, Deductible Per Person, Out-of-Pocket Maximum, HDHP Eligible toggle, Provider, Policy Number, Premium, Policy End Date
Life, Disability, Homeowners, and Liability insurance types each have a planning calculator in the Planning tab that uses the data you enter here. The other types (Auto, Long-Term Care, Health) are captured for reference but don't have calculators yet.
Household
The Household tab is where you define the people and entities in the client's life. Click Add Member and choose the type.
Adults — The client and their spouse or partner.
Fields: Name, Birthday, Sex
Adults can be granted Portal Access, which lets them log in to the Client Portal
Each adult has Decision Makers for estate planning: Financial POA + Successor, Healthcare Proxy + Successor, and Executor + Successor. Assign another household member or type in a name
Children
Fields: Name, Birthday, Sex
You can toggle Create Education Goal to automatically set up an Education goal for that child in the Planning tab
Businesses
Field: Business Name
Once added, a business can be used as the owner on accounts and assets
Trusts
Field: Trust Name
Like businesses, trusts can be assigned as owners on accounts and assets
Tips for Manual Data Entry
Owner assignment. Bank accounts, taxable investments, property, liabilities, and income can be assigned to an adult, a business, a trust, or marked as joint. Retirement and tax-advantaged accounts (IRA, Roth IRA, 401(k), 403(b), 457(b), TSP, HSA, FSA, 529, UTMA) are individual-only — no joint, trust, or business ownership. Trust-owned investment accounts only accept a Trust as the owner. The owner dropdown filters these options for you automatically based on the subtype you pick.
You can always come back. Nothing is locked in. Every field can be edited after the fact by clicking into the item. If you need to remove something entirely, open the edit drawer and use the trash icon to delete it.
Combine with the Extractor. Many advisors use the Extractor to populate the bulk of a client's data, then come to the Profile tab to fill in gaps or make corrections. You don't have to choose one approach or the other.