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Wealth management onboarding extends the standard account creation with a comprehensive investor profile. This guide covers the full flow from account creation to a complete financial picture.

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Overview

Create Account (individual) → KYC → Investor Profile → Dependents & External Accounts

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Step 1: Create an individual account

Use account_type: "individual" for wealth management: 
curl -X POST "$BASE_URL/accounts" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "account_type": "individual",
    "contact": { ... },
    "identity": { ... },
    "disclosures": { ... },
    "agreements": [ ... ]
  }'
See Account Onboarding for the full account creation payload. The only difference is account_type.

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Step 2: Complete KYC

Same as self-directed — upload identity documents and wait for approval. See KYC Verification.

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Step 3: Build the investor profile

The profile is modular — update sections independently as you collect data:

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Demographics & employment

curl -X PUT "$BASE_URL/wealth/accounts/$ACCOUNT_ID/profile" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "demographics": {
      "marital_status": "married",
      "number_of_dependents": 2
    },
    "employment": {
      "status": "employed",
      "employer": "Acme Corp",
      "occupation": "Software Engineer",
      "annual_income": "185000.00",
      "income_stability": "stable"
    }
  }'

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Tax and cash flow

curl -X PUT "$BASE_URL/wealth/accounts/$ACCOUNT_ID/profile" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "tax": {
      "filing_status": "married_filing_jointly",
      "federal_tax_bracket": "24",
      "state_tax_rate": "0"
    },
    "cash_flow": {
      "monthly_expenses": "8500.00",
      "monthly_savings": "3500.00",
      "emergency_fund_months": 6
    }
  }'

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Investment preferences

curl -X PUT "$BASE_URL/wealth/accounts/$ACCOUNT_ID/profile" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "investment_preferences": {
      "investment_experience": "intermediate",
      "investment_horizon": "long_term",
      "liquidity_needs": "low",
      "esg_preference": true
    }
  }'

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Optional sections

Add as needed for comprehensive planning:
  • Insurance — Life, disability, health, long-term care coverage
  • Estate planning — Will, trust, power of attorney, beneficiary designations
  • Partner — Spouse employment, income, and retirement details

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Step 4: Add dependents

curl -X POST "$BASE_URL/wealth/accounts/$ACCOUNT_ID/dependents" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "first_name": "Emma",
    "relationship": "child",
    "date_of_birth": "2020-03-15"
  }'

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Step 5: Record external accounts

Capture investments held outside Bluum for complete financial planning: 
curl -X POST "$BASE_URL/wealth/accounts/$ACCOUNT_ID/external-accounts" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "institution": "Fidelity",
    "account_type": "401k",
    "balance": "250000.00",
    "description": "Employer 401(k)"
  }'

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Progressive onboarding

You don’t need to collect everything upfront. A common pattern:
ScreenData collected
1Account creation (contact, identity, disclosures, agreements)
2Employment and income
3Investment preferences and experience
4Goals (retirement, education, etc.)
5Risk assessment questionnaire
Additional profile sections (tax, insurance, estate, dependents, external accounts) can be collected later as the user engages more deeply.

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Next steps