The onboarding form is usually the first thing a client touches in Kerdora. You send them a link, they log in, and they fill out what they know. Whatever you've already entered on your side gets pre-filled so they're not starting from scratch.
The whole thing is designed around one principle: no required fields. The only thing a client has to do is confirm at least one household member exists. Everything else (accounts, income, insurance, expenses) is optional. They can skip entire sections if they want.
Why no required fields
Because clients don't always have everything in front of them. They might know their checking account balance but not their 401(k). They might remember their mortgage payment but not the interest rate. Forcing them to look everything up before they can move forward creates friction, and friction kills completion rates.
Better to get what they have now and fill in the gaps later. You can always add more during the meeting.
What it covers
The form walks through seven steps:
Upload Documents — clients can upload financial documents right at the start. Kerdora's AI extracts the data automatically, or you can review the documents manually. This step is optional.
Household Members — adults, children, businesses, and trusts. Name and date of birth for people, name for entities. State of residence for the household.
Assets — bank accounts, investment accounts, property, annuities, and business interests. Each account captures name, type, balance, owner, and savings details. Investment accounts can track allocation percentages or individual holdings with tickers.
Liabilities — mortgages, auto loans, student loans, credit cards, and other loans. Balance, payment amount, frequency, and interest rate.
Income — wages, self-employment, Social Security, pension, investment income, and more. Amount, frequency, and owner.
Expenses — total annual spending. One number. We keep this simple on purpose because most clients can't itemize their spending on the spot, but they usually have a rough idea of their total.
Insurance — life, disability, long-term care, health, homeowners, auto, and liability. Type, owner, benefit amount, and premium details.
How the advisor fits in
You create the client on your end, and Kerdora generates a unique link for each adult in the household. Send the link, the client creates an account, and they're in.
Anything you've already entered (maybe you pulled data from a CRM or entered it during a call) shows up pre-filled. The client confirms, corrects, or adds to it.
Once they're done, you'll see everything they entered on your side. From there, you finish onboarding and move into planning.