Planning workspace
Create an action plan, not a projection.
A plan is about action. Kerdora helps you answer what clients need to do next across retirement, liquidity, taxes, investments, insurance, estate, spending, business ownership.
Review-first workflow
Retirement, taxes, insurance, estate
Planning workspace
PLANNING OUTPUT
Ready for guide
Close the retirement funding gap
Translate the gap between goal, assets, and savings pace into a specific next action.
Protect liquidity before reallocating
See how much cash to keep on hand before moving remaining taxable assets.
Review insurance exposure
Tie coverage recommendations to wages, net worth, dependents, and household risk.
Why it matters
Planning should end in a decision, not just a chart.
Projections still matter. But advisors also need to answer what should change now: how much to save, where cash belongs, which risks are exposed, what taxes change, and whether the portfolio supports the goal.
Modules
Cover the core planning topics
Kerdora helps you work through investments, taxes, insurance, estate planning, business ownership, spending, liquidity, and goals in one planning workspace. Each module is designed to turn facts into a decision.
Investments · taxes · insurance · Estate · Business · Cash Flow
Goals
Goals-based planning with clear targets
Build retirement, education, emergency fund, debt payoff, and custom goals with savings rates, timelines, funding status, and assigned accounts. Your clients will know exactly how much they need to save, which accounts to use, and whether they're on track.
savings targets · funding status · assigned accounts
Changes
Changes are the plan
The plan lives in the changes. Flag what needs to happen from any module, customize the recommendation, and decide what belongs in the plan. Kerdora can surface common opportunities, but you approve what clients actually need.
review changes · Custom actions · rules-based observations
Planning Methodology
Answer the questions clients actually ask.
Each module is built around the question an advisor needs to answer, the facts Kerdora needs to model, and the action that should come out of the planning conversation.
Know what needs to change to fund the goal.
Goals planning: retirement, education, emergency fund, and custom goals with savings rates, timelines, funding status, and assigned accounts. Output: a specific savings or account recommendation.
Know whether the client has enough protection.
Insurance planning: life insurance needs analysis, disability coverage tied to wages, and umbrella coverage benchmarked to net worth. Output: a protection recommendation the client can act on.
Make tax tradeoffs visible before making the call.
Tax planning: compare filing strategies, state changes, income shifts, deduction adjustments, and tax-sensitive planning decisions side by side. Output: a clearer tax-aware recommendation.
Confirm the portfolio is doing the right job.
Investment planning: review allocation, risk alignment, liquidity, and whether the portfolio supports the client’s goals and timeline. Output: a recommendation connected to the plan, not just performance.
Turn estate gaps into a real conversation.
Estate planning: track essential documents, beneficiaries, guardianship, and missing items by person. Output: a clear list of what is done, what is missing, and what should happen next.
Make spending reflect how life actually changes.
Spending planning: model current expenses, costs that end, and new costs that start. Output: a spending picture that supports better retirement, liquidity, and goal decisions.
Bring the client’s largest asset into the plan.
Business owner planning: estimate business value, ownership, succession, and liquidity. Output: planning guidance that accounts for the business instead of treating it as a footnote.
Turn findings into advisor-approved changes.
Changes to be made: flag changes from anywhere in the platform, customize change types, and decide what belongs in the plan. Output: the action list clients actually need.
Advisor-built
Built from real planning conversations.
Kerdora started inside an advisory firm, where planning was never just about producing a projection. Planning is useful part was helping clients understand what needed to change, why it mattered, and what they should do next.
“I remember building a projection for a 38-year-old client and it showed they could become a billionaire or go broke. I said this is a joke, I need something better.”
Taylor Stewart, CFP®
Founder, Kerdora
“This is the most useful software I’ve used in my 30-year career.”
Nate Clark · Envision Retirement Solutions
See Kerdora's planning workspace in action.
Walk through how Kerdora helps you move from client information to planning answers, approved changes, and client-ready Guides.
Schedule demo