# Client data that arrives on its own, with its source attached

Facts arrive from the places that already hold them: the client's payroll provider and bank, the custodian's data files, the IRS, public property records and government data. Each fact keeps its source and the date it was true, so nobody retypes a statement and nobody guesses.

## Payroll and income data the client connects
A client connects their employer's payroll from the portal in a few taps. Employment, income history, pay stubs with gross pay, deductions and taxes, and the year-end wage forms arrive on their own, with the PDF of each stub and form stored encrypted. Only those records are requested; the connection never asks to change where pay is deposited. When a connection needs a fresh sign-in, the client is prompted; when they disconnect, collection stops and the records are removed.

## Bank and investment accounts the client links
Linked bank, card and brokerage accounts bring balances, transactions, holdings and statements into the client's money view. Transactions are sorted into spending categories with a confidence score; the uncertain and the large ones are set aside for the client to confirm, and corrections keep their history. The reviewed spending becomes evidence the advisor works from: what the household really spends, by category, and where the picture has gaps. An account the custodian already reports is flagged so it is never counted twice.

## Your custodian's data files, including cost basis
A small agent on the firm's own server watches the custodian's daily drop folder and uploads each complete set of files: accounts, positions, securities and transactions, plus the cost-basis files with open lots, unrealized gains and losses and realized closing lots. Files are scanned, checked and stored encrypted, then translated into one record per account per day. Lots carry forward day to day with the custodian's own basis laid over them, and every basis figure says whether it is known, provisional or missing.

## What the custodian's files feed
The portfolio page shows each position with its cost basis, lots, unrealized gain and period return as of any date, with no look-ahead. Advisory fee runs value each account from the custodian's positions at period end. Performance is measured from the daily record, and manual corrections are kept with an audit trail. Trade instructions are written against these positions and approved by a second person. See [investment research](/investment-research) and [time and billing](/billing).

## IRS records pulled under the client's authorization
With the client's signed authorization on the firm's own IRS account, the platform pulls the client's return, account, wage and income, record-of-account and non-filing transcripts straight from the IRS. The client is never asked to find a copy of a return or to hand over an IRS login. Prior years are pulled again every day for every active authorization, so what the IRS has on file sits beside the return the firm prepares. See [e-filing and tax monitoring](/tax-filing).

## Home values and comparable sales
Enter an address and the platform returns the assessed value, an automated valuation, the property tax, the owners and an equity estimate from public records. It finds other properties the client is likely to own, classifies each as owned, held in a trust or entity, or probably rented out, and shows recent comparable sales as a spread of prices per square foot rather than one invented number. A client or an advisor confirms each property, and the advisor can sync the confirmed ones into the plan as real assets with their source attached.

## Retirement plans, rates and reference data
Look up an employer's retirement plan by its tax ID to see its filings, investment choices and fees against benchmarks before advising on a rollover. Government interest rates used in estate and gift calculations and dozens of economic series, from Treasury yields to inflation components, are on hand and captured into a plan with their date. Security prices, fundamentals, corporate actions and fund holdings keep the investment picture current. Read how the [client side](/clients) connects, see [Security & Control](/trust) for how data is protected, or [talk with us](/contact).