Notes in Kerdora have two modes: Internal (advisor-only) and Client visible (shown to the client). You pick the mode per note, so each note on each object gets its own visibility setting.
Where notes live
Notes aren't a single field anymore. They sit on most of the objects you'd want to annotate:
The client record itself (the big Notes section on the client's Overview/profile)
Accounts (every asset: bank, brokerage, retirement, property, business, annuity, etc.)
Liabilities (loans, credit cards, mortgages)
Goals (retirement, education, home, everything in the Guide)
Insurance policies (life, disability, health, auto, homeowners, LTC, liability)
Income streams and Giving
Any object with a Notes field has the same internal/client toggle attached to it.
The visibility toggle
Every notes field has a small pill-style toggle underneath (or beside, in the popover version). Two states:
Internal — gray pill with a crossed-out eye icon. Only you and your team see this note.
Client visible — green pill with an open eye icon. The note shows up on the client's side.
Click the pill to flip between the two. Hover and you'll see the tooltip: "Visible to client — click to make internal only" or "Internal only — click to make visible to client."
Default is Internal. Every new note starts out advisor-only until you flip it.
Where client-visible notes show up
A client-visible note follows its object into the client's view. A note on a retirement goal shows up where that goal appears on the client's Guide. A note on an investment account shows up with that account. A note on the client record shows up on their main profile.
Internal notes never cross that line. They stay in the advisor workspace and don't render for the client no matter where the object appears.
Timestamps
Every notes field tracks notesUpdatedAt and shows "Last edited [time]" underneath. Useful when you've got multiple team members on the same client, or when you want to know whether that note about the 401(k) rollover is from last week or last quarter.
The timestamp updates whenever the note content or the visibility flag changes.
How to use this well
A few rules of thumb:
Internal notes are for back-story, compliance commentary, meeting debriefs, things you're still figuring out, and anything you wouldn't say out loud to the client. Think of it as your margin notes.
Client-visible notes are for answering questions before they're asked. "Why is this account flagged as illiquid?" "Why did we pick a 5% withdrawal rate for this goal?" Put the answer right on the object so the client sees it in context.
Before a client meeting, scan your Account Notes section. Anything marked green (Client visible) is showing up in the portal. If something slipped in that shouldn't be client-facing, flip it to Internal.
Account Notes section on the client's Overview gives you a single view of every note across every object, with filter pills for Accounts, Goals, Income, and Insurance. Fastest way to review before meetings.
One-line summary
Two modes per note, default internal, flip the pill to share. Check the pill before you type anything you don't want the client reading.