Client Management

Inviting a client

From your advisor dashboard → Clients → Invite Client:

1. Enter the client's email address
2. Optional: add a personal note in the invite (e.g., "Hi, please accept this to share your portfolio data for our annual review")
3. Send

The client receives an email with a signup/login link. If they already have an account, they're taken directly to the consent flow. If not, they create one first.

Consent and access levels

Clients consent to read-only access. The advisor can view all their data but cannot modify it. This mirrors the Supabase RLS policy — the advisor's session reads via effectiveUserId but all write mutations require the client's own session.

Clients can revoke consent at any time from My Money → Settings → Advisor Access. Revocation is immediate.

Switching between clients

In the top navigation, advisors see a client selector dropdown. Selecting a client reloads all pages in that client's data context. This uses the effectiveUserId system — the advisor's JWT token is presented along with the selected client's ID, and the RLS policies verify the advisor has active consent.

Tracking client status

The client list shows:

• FIRE stage and current Freedom Score
• SFS or AFS badge
• Last active date
• Consent status (active, pending, revoked)

You can filter by stage to identify which clients are in Foundation stage and need the most support.

Annual review workflow

Suggested workflow for quarterly/annual client reviews:

1. Switch to client context
2. Open FI Intelligence → review score components
3. Open Debt-to-Freedom → check if prepay verdict has changed
4. Open Retirement Readiness → check corpus progress and stress test results
5. Run AI Portfolio Analysis (14 credits) for a fresh advisory report
6. Export or screenshot the key numbers for your report
7. If you've verified the data, submit AFS attestation

This end-to-end review takes about 20–30 minutes per client with the platform.