Planning for clients still building wealth

The planning platform for the accumulation stage.

Kerdora is purpose-built for the accumulation stage. Cash flow tracking, tax planning, and planning modules not built solely around retirement or how much money you'll have someday

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View Sample Plan

14-day free trial. No credit card. No migration needed.

a projection is not a plan

Most planning tools start with a projection.
Your clients start with a question.

“Help me understand my financial life, and tell me what to do next.”

Projection-heavy workflow

How much money will you have someday?

A fine question. Just not the only question accumulation-stage clients need answered.

Kerdora workflow

What should change next?

→

Increase emergency fund target

→

Review concentrated equity position

→

Use HSA intentionally

→

Check term life before the baby arrives

→

Fund the next savings goal

The accumulation stage needs a different kind of plan.

What Kerdora can answer

Answer the planning questions accumulator clients actually ask.

How much should they save, and which accounts should fund each goal?

Turn retirement accumulation, education, liquidity, debt payoff, and custom goals into funding targets and next steps.

See goal planning

Goal funding summary

GoalBalanceCash flow

Emergency fund$15,475 / $16,667$100 / mo

Liquidity buffer$38,000 / $100,000$650 / mo

Cash access$269,413

Bank accounts$65,00024.1%

Investments$204,26375.8%

How much should they save, and which accounts should fund each goal?

Turn retirement accumulation, education, liquidity, debt payoff, and custom goals into funding targets and next steps.

See goal planning

Goal funding summary

GoalBalanceCash flow

Emergency fund$15,475 / $16,667$100 / mo

Liquidity buffer$38,000 / $100,000$650 / mo

Cash access$269,413

Bank accounts$65,00024.1%

Investments$204,26375.8%

What needs to change next

4 open

Build emergency fund to $25k target

Approve

Change allocation in 401(k)

Review

Increase Bob's life insurance coverage by $250k

Approve

Update wills, powers of attorney, and guardianship

Review

Changes to Be Made

Translate your advice into clear next steps.

Turn recommendations into plain-English Changes to Be Made: what should change, why it matters, and when to act.

See the method

Client Guides

Build a custom deliverable each client can understand and use.

Guides are flexible, drag-and-drop client deliverables you can shape for each household.

See Guides

View sample Guide

Sections

Overview

Net worth

Goals & progress

Next steps

Cash flow

Johnson household · Live Guide

Your financial plan

Net worth

$1.04M

Savings rate

14.2%

Changes

How are we progressing toward our goals?

Retirement funding is 72% of target. Current savings are slightly below the required pace.

Advisor-approved next steps

Open a high-yield savings account · Increase retirement savings · Review life insurance

Dora AI

AI built into every workflow.

✦

Dora · Johnson household

Review the full plan and identify planning opportunities I may have missed.

Three review items stand out:

1. Disability coverage is incomplete for both earners.
2. Technology exposure is concentrated across two accounts.
3. Guardianship language predates the youngest child.

Review sources

Draft changes

Update any input field in the plan

Change client details, goals, accounts, assumptions, and planning inputs from plain-English instructions.

Extract from and review documents and notes

Turn statements, tax returns, meeting notes and anything else into plan inputs and dig into the details.

Surface and think through planning opportunities

Review the plan, documents, notes, and open questions to surface planning opportunities.

Build and revise Guides

Assemble a Guide, adjust sections, rewrite explanations, or tailor the deliverable.

Workflow

Build a plan in four simple steps.

Bring in the facts

Extract from documents, send an onboarding form, link accounts, or tell Dora what to add.

Work through the planning modules

Work through modules for savings goals, spending, tax, investments, insurance, estate, and more.

Identify Changes to Be Made

Decide what should change, why it matters, and when the client should act.

Assemble the Guide

Turn your work into a branded deliverable the client can understand and use.

Business value

What Kerdora changes for your business.

Kerdora isn’t another line item on your tech stack. If you use Kerdora, you're doing real work and replacing tools you no longer need.

✓

Serve more clients

Use the time Kerdora saves to work with more clients without rebuilding every plan from scratch.

✓

Save money on tech

Replace separate tools for spending tracking, tax reports, document intake, client portals, and deliverables.

✓

Serve a different client base

Work with accumulator clients your current tools aren’t built to serve well.

✓

Increase prospect conversions

Show prospects exactly what you can do for them, so they understand the value before they commit.

What advisors say

Advisors are already loving Kerdora.

“This is the most useful software I’ve used in my 30-year career.”

Nate Clark

Envision Retirement Solutions

Nate Clark

Envision Retirement Solutions

“You’ve replaced almost my whole tech stack.”

Colin Page

Oakleigh Wealth

Colin Page

Oakleigh Wealth

“It’s exactly what I would build if I built planning software.”

Dace Dekruif

Silver Strand Financial Planning

Dace Dekruif

Silver Strand Financial Planning

Security

Built for sensitive client data.

Encrypted in transit and at rest

Client data is protected everywhere it moves and everywhere it lives.

✧

No AI training

Client information is never used to train AI models.

✓

SOC 2 Type II in progress

Security, availability, and confidentiality controls are being reviewed through the audit process.

Visit the Trust Center

Pricing

Simple pricing for planning teams.

Start with the full Kerdora workspace. Add account aggregation only when you want live household data connected.

Kerdora Platform

$199/mo

or $1,999/yr

Monthly or annual billing. Annual saves about $400.

Unlimited clients included

Planning workspace

AI assistant, document extraction, and client portal

Client-ready deliverables and follow-through tracking

Schedule Demo

Start Free-Trial

Account Aggregation

Optional add-on

$3.50/mo per linked household

Only applies when you connect client accounts.

Use Kerdora without linking accounts, or turn aggregation on when live data helps the planning work.

First 10 linked households included in Platform

Pay only for households beyond the included 10

Balances, holdings, and transactions

Yodlee, MX, Finicity, and Akoya connections

A joint couple counts as one household

Common questions

Your questions, answered.

No. Start with one plan alongside your existing stack. There's no migration required to begin.

See it on a real client case

Deliver a plan your clients will actually use.

Bring one real client. No migration required.

Start free trial

Book a demo

The planning platform for the accumulation stage.

The planning platform for the accumulation stage.

Most planning tools start with a projection.Your clients start with a question.

Most planning tools start with a projection.Your clients start with a question.

How much money will you have someday?

How much money will you have someday?

What should change next?

What should change next?

The accumulation stage needs a different kind of plan.

Answer the planning questions accumulator clients actually ask.

Answer the planning questions accumulator clients actually ask.

How much should they save, and which accounts should fund each goal?

How much should they save, and which accounts should fund each goal?

Translate your advice into clear next steps.

Translate your advice into clear next steps.

Build a custom deliverable each client can understand and use.

Build a custom deliverable each client can understand and use.

AI built into every workflow.

AI built into every workflow.

Build a plan in four simple steps.

Build a plan in four simple steps.

What Kerdora changes for your business.

Advisors are already loving Kerdora.

Built for sensitive client data.

Simple pricing for planning teams.

Kerdora Platform

Your questions, answered.

Deliver a plan your clients will actually use.

Most planning tools start with a projection.
Your clients start with a question.

Most planning tools start with a projection.
Your clients start with a question.