The client portal is a focused version of Kerdora for invited household adults. Clients can review shared plan information, maintain supported household data, upload documents, complete assigned work, and use available account and spending tools. They do not receive the advisor's planning and configuration workspaces.
The current portal has six main destinations: Overview, Profile, Documents, Tasks, Spending (Beta), and Investments.
What can clients see and do in Overview?
Overview is where the client reads Guides that are visible for the household. The client sees the Guide content and components selected by the advisor, but cannot add, remove, reorder, or configure those components.
A Guide can include client-ready explanations, financial summaries, Changes, and Tasks. When the component supports it, the client can mark a visible Change or assigned Task complete. Internal advisor notes and advisor-only work do not become visible merely because they relate to the same client.
Clients do not see a Guide simply because it exists. Before delivery, confirm that the intended Guide is visible for the household and that its components contain client-ready data and wording.
What can clients see and change in Profile?
Profile contains the household information used by the client-facing experience, including household details, accounts, cash flow, and insurance.
Clients can use the controls provided in their portal to maintain supported records. In the current experience, that includes adding a manual account, adding an insurance policy, and updating available client-facing account, cash-flow, and insurance details. Those updates affect the same underlying client file the advisor uses.
Because a client update can affect planning inputs, review important Profile changes before relying on the resulting analysis.
What can clients do with linked accounts?
In Profile > Accounts > Linked Accounts, clients can:
select Link Account to connect a supported institution;
use Review Accounts to link a discovered account to an existing record, create a new record, or skip it;
select Refresh for a healthy connection;
select Reconnect when an institution requires new authorization;
select Disconnect to stop the whole institution from syncing; and
select Unlink account to stop one account from syncing.
The client must complete institution sign-in and reauthorization. An advisor can review and refresh linked institutions, but cannot complete Reconnect for the client.
Disconnecting an institution does not delete the Kerdora accounts. They remain on the balance sheet as manual records. Unlinking one account also leaves that asset or liability in place as a manual entry.
What can clients do with Documents?
Clients can open Documents to see documents that are visible to them. They can upload a document, open or download available documents, rename a document, and delete a document.
Clients cannot use Upload & Extract or review extraction proposals. Those are advisor workflows. Advisors also control whether an existing document is shown to or hidden from the client, so review document visibility before granting portal access.
What can clients do with Tasks?
Clients can see Tasks assigned to them and mark those Tasks complete. Advisor-assigned Tasks remain internal.
Use a clear title, owner, and due date before assigning a Task to the client. If the work is meant to appear inside a Guide rather than in the portal's Tasks destination, confirm that the relevant Guide component is visible as well.
What can clients do in Spending and Investments?
Spending is the client-facing transaction and spending experience and is marked Beta. When linked transaction data is available, clients can review transactions and use the controls provided for categorization and spending review.
Investments gives the client a view of the portfolio information exposed by the client experience. It is not the advisor's investment-planning workspace. Clients cannot change planning targets, model portfolios, or advisor analysis from this destination.
What advisor workspaces are not in the portal?
Clients do not receive the advisor's Office, Financials, Planning, Visualize, Guides editor, Dora, or Plan Setup workspaces. They also do not receive practice-level Clients, Templates, Research, or Academy access.
This means a client cannot directly open the advisor's Goals workspace, calculators, Goal Mapping, Gap Analysis, tax planning, or Guide editor. The client can see selected results only when the client-facing experience presents them, such as through a visible Guide.
What should I check before inviting a client?
Before copying or sending a portal invite:
Open the client's Profile and confirm the correct adult will receive access.
Review the household data the client will be able to maintain.
Open Documents and hide any document that should remain advisor-only.
Review Tasks and confirm that only intended client work is assigned to the client.
Open Guides and confirm the intended Guide is visible and client-ready.
Check linked institutions for pending review, stale data, or an error that will require the client to reconnect.
Portal access is granted to an individual adult, not to the household as one shared login. Invite each adult separately when both people need access.