planning software for accumulator clients

Build, deliver, and maintain plans your clients will actually understand.

Kerdora combines planning modules purpose-built for the accumulation stage with the data-gathering and presentation tools you need.

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View Sample Plan

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

What clients want

Your clients come to you for two things.

“Help me understand my financial life.”

They want to see where they stand and how the pieces fit together.

“Tell me what to do next.”

They want clear priorities and practical next steps.

Built for accumulators

For accumulators, that means going beyond a long-term projection.

Projection-led Planning

How much money will you have someday?

A useful question. But accumulators need more.

Kerdora workflow

What should change next?

→

Increase emergency fund

→

Review concentrated equity position

→

Open HYSA

→

Increase life insurance before baby arrives

→

Update 401(k) allocations at new employer

Kerdora workflow

What should change next?

→

Increase emergency fund

→

Review concentrated equity position

→

Open HYSA

→

Increase life insurance before baby arrives

→

Update 401(k) allocations at new employer

planning depth

Answer the questions accumulator clients actually ask.

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

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

Goal funding

Emergency fund$100 / mo

Retirement$650 / mo

$2,618of monthly cash flow still needs a goal to fund.

Planning Modules

Next steps

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 makes your life easier at every stage.

✦

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

Change client details, goals, accounts, assumptions, and planning inputs with 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 deliverables

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

Meet Dora

complete planning process

Everything you need to build, deliver, and maintain your plan.

Collect & organize

Onboarding form

Account aggregation

Document vault

Custodian import

AI Document extractor

Analyze & build

8 planning modules

Live investment data

Spending tracker

Tax calculator

AI Paraplanner

Deliver

Custom deliverables

Built-in Visualizations

Client Portal

PDF exports

AI Template Generator

Monitor & maintain

Accounts stay updated

Client Portal

Assign Tasks

Guides update

AI Data Cleanup

What advisors say

“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

See what Kerdora can do with one real client.

Bring a client you know well. We’ll show you how the Guide, Changes, planning modules, and Dora come together.

Book a demo →

Business value

What Kerdora does for your business.

Kerdora isn’t another line item on your tech stack. If you use Kerdora, you’re getting real results.

✓

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.

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 not used to train AI models.

✓

SOC 2 Type II audit underway

The observation period is complete. Security, availability, and confidentiality controls are being reviewed.

Trust Center

Pricing

One platform price. Add account aggregation when you need it.

The platform includes unlimited client records and 10 aggregation households. Pay for additional connected households only when you add them.

Kerdora Platform

$199/mo

or $1,999/yr

Monthly or annual billing. Annual saves about $400.

Unlimited clients included

Client Portal

AI assistant, document extraction, and client portal

Client-ready deliverables and follow-through tracking

Account Aggregation

Optional add-on

$3.50/mo per linked household

Only applies when you connect client accounts.

First 10 linked households included in Platform

Balances, holdings, and transactions

Yodlee, MX, Finicity, and Akoya connections

A joint couple counts as one household

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Common questions

Your questions, answered.

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