Can I see my client's vault contents?

Yes. While your client has granted you advisor access, you can see the records in their vault — which is what makes it possible to build records on their behalf, spot gaps, and review their coverage with them. Your client can remove that access at any time.

Be straightforward with clients about this. Most expect it — it's the same relationship they have with you over their financial statements — but it should be said out loud rather than assumed, particularly before they add anything sensitive like account passwords.

A useful framing for that conversation: you can see what they've recorded so you can help with it, and they control that access.