An advisor controls client access through portal invitations, Guide visibility, Task ownership, Change visibility, document controls, and client-visible notes. Clients receive the portal destinations designed for their household; they do not receive the advisor's full client file or planning workspace.
What can a client see in the portal?
The current client portal navigation includes Overview, Profile, Documents, Tasks, Spending, and Investments. The exact content depends on the household's saved records, visible Guides, assigned Tasks, client-facing Changes, documents, and linked accounts.
Clients cannot access Office, Financials, the full Planning modules, Insights, advisor Changes, Visualize, the Guide editor, Dora, Plan Setup, Research, Academy, practice Settings, Templates, or another household.
How do I make a Guide visible to a client?
An existing Guide is not automatically visible merely because it was created. An advisor can enable it through any of these current routes:
Guides: open the client's Guide area and use the visibility control for the intended Guide.
Office → Plan Setup → Guide: toggle the Guide visible while completing delivery setup.
Templates: open the practice Guide template's visibility or assignment controls when the template should be enabled for selected clients or future clients.
For one household, confirm that the intended Guide appears in its visible list and select the correct default Guide. For a reusable practice workflow, use Templates to manage assignments and future-client defaults, then verify an actual household.
Clients read visible Guide content under Overview. They cannot add, remove, reorder, resize, or configure Guide components. They also cannot edit Guide text or images.
Can a client see Dora conversations or proposed changes?
No. Dora is an advisor-only planning workspace. Clients cannot see Dora conversations, prompts, source context, or unapproved proposals.
If an advisor approves a Dora proposal, the resulting client record follows the normal visibility rules for that record. A Dora-created Change can become client-facing when the advisor includes it in a visible Guide or otherwise exposes it through the client workflow. Review the approved result; approval does not make Dora itself visible.
Which notes can a client see?
Notes default to internal unless an advisor deliberately marks them Client visible. The visibility control is available for standalone notes and for notes attached to supported accounts, liabilities, insurance policies, Goals, income records, and Giving records.
Client-visible does not guarantee that every note automatically appears on every portal screen. A visible Guide component must reference the applicable note or record. Preview the household's Guide instead of treating the green visibility state as delivery confirmation.
What can a client edit in Profile?
Clients can review and edit the Profile information exposed by current portal controls, including supported household, account, and cash-flow fields. Linked balances and live holdings remain controlled by the connection, while surrounding planning classifications remain advisor work.
Clients cannot edit Goal assumptions, retirement projections, tax scenarios, insurance calculations, target portfolios, estate analysis, or advisor recommendations.
What can a client do with linked accounts?
Clients can:
connect an institution;
complete bank authentication;
review discovered accounts and choose link, create, or skip;
reconnect an errored institution;
disconnect an institution; and
unlink an individual account.
An advisor can select Refresh for a healthy or stale link and can review linked data. An advisor cannot complete the client's bank authentication. Disconnecting or unlinking stops synchronization while retaining applicable Kerdora records for manual maintenance.
What can a client do in Documents, Tasks, Spending, and Investments?
Documents: clients can upload and manage files through available portal controls. They cannot run advisor Upload & Extract or approve extraction proposals.
Tasks: clients can see and complete Tasks assigned to them. Advisor-owned Tasks remain internal.
Spending: clients can use the current transaction experience for their household, subject to available linked or imported data.
Investments: clients can review the client-facing portfolio view. They cannot edit holdings, model portfolios, targets, or planning recommendations.
A visible Changes component can let a client mark a Change complete. The client does not receive the full advisor Changes or Insights workspace.
How do I verify client access before delivery?
Before inviting or presenting to the client:
confirm each adult's portal email and invitation status;
confirm the intended Guides are visible and the correct Guide is default;
preview each visible Guide and check its components, text, images, and notes;
review client-facing Changes and Task owners;
review document access and linked-account status; and
confirm that internal notes remain internal.
When access changes, revoke or reissue the invitation for the affected adult. Do not rely on a general permission list when sensitive client content is involved; verify the actual household configuration.
What client visibility controls do not do
Kerdora does not currently provide a custom role builder for designing a unique portal navigation per client. Guide visibility controls Guide delivery, note visibility controls disclosure of supported notes, and Task or Change ownership controls action visibility. None of these controls gives a client access to the advisor planning workspace.