Planning
Answer the questions accumulators ask, and turn your plan into clear next steps.
Work through goals, cash flow, investments, taxes, insurance, estate, and spending, then decide what should change, why it matters, and when your client should act.
Goals & cash flow
Investments & tax
Insurance & estate
Planning should end in an action plan, not just a chart.
Too many financial plans end in a loose projection of one version of what life could look like. Kerdora helps you analyze each area of the financial plan and surface clear recommendations clients will understand.
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
Planning Workspace
Every core topic
8 modules
Investments
Taxes
Insurance
Estate
Business
Spending
+ Goals and liquidity, in the same plan
Observations
Planning opportunities surfaced for you.
90+ rules · Supporting numbers · Convert or dismiss
90+ rules
Changes to Cash Flow
Pay off Venture Rewards, $11,525 at 21.99% APR
Build $1,192 more in the emergency fund
Changes to Investment Allocation
Shift $24k from Joint Savings to XYZ Brokerage
Diversify Technology below 25% of the portfolio
+ New change
+ Convert, edit, or dismiss, with the numbers behind each one
$4,850 to assign
Emergency · 3 months
Funded
$30k / $30k
Retirement · Age 65
+$14.4k/yr
$715k / $1.01M
College · Fall 2032
+$6.2k/yr
$58k / $120k
+ 2 more goals on track, rolled into one gap analysis
Goals
Set a savings target for every goal.
Set targets for retirement, education, liquidity, debt payoff, or custom goals, then assign accounts and track live funding status. Goal Gap Analysis rolls everything together into the number clients feel: what savings or spending needs to change.
Goal targets · Assigned accounts · Gap analysis
Investments
Make sure investment accounts are doing their job.
Compare actual allocation to targets by account, goal, or household, with the dollar gap by asset class. Look-through analysis catches real concentration, and holdings-based targets go down to ticker-level buy and sell amounts.
Live investment Data · Allocation targets · Model portfolios
Target: VTI 75 / VXUS 25
Current portfolio
US Stock
66.3%
+7.8%
Non-US Stock
21.5%
+3.1%
Bond
10.5%
-10.5%
Cash
0.8%
+0.3%
+ Ticker-level buy and sell amounts
3 gaps
Life · Homer
Covered
108%
Life · Marge
Under by $920.3K
35%
Disability · Marge
Under by $19.2K
56%
Homeowners · 742 Evergreen
Under by $35K
93%
+ Umbrella and liability, same view
Compare current life, disability, homeowners, and liability coverage against calculated need by person, property, or household. Choose the strategy for each gap: insure it, self-fund it, or blend the two.
Current vs. needed · Household coverage · Gap strategy
Estate
Know what estate planning decisions are missing, stale, or undecided.
Track core documents, beneficiaries, guardianship, and stale items in one place. Automatic badges flag documents at 3 and 5 years, and beneficiary tables show what is missing or unconfirmed.
Document status · Beneficiaries · Stale-item flags
5 open items
Completed
In Process
Completed
Completed
Completed
Not Started
Not Started
Not Started
+ Trusts, beneficiaries, and stale flags at 3 and 5 years
Saves $10,850/yr
Roth conversion to the 24% top
+$3,840
Max the family HSA limit
+$2,970
Bunch charitable gifts in a DAF
+$2,150
Harvest losses in taxable
+$1,890
+ Built from the filed 1040, compared side by side
Taxes
Put a dollar figure on every tax move.
Start from the client’s filed return, extract the details, compare scenarios side by side, and stack the moves worth making. Full module: tax planning.
Filed returns · Scenario comparison · Tax-aware recommendations
Spending
See where their money actually goes.
Link accounts or import transactions, then categorize cash flow with rules, tags, and Dora cleanup. Monthly, quarterly, and yearly views show savings pace in the same client record as the rest of the plan. Full module: spending.
Linked or imported data · Rules & tags · Savings pace
29% saved
Housing
$3,850
Travel
$1,720
Dining
$1,140
Kids
$980
+ $5,260 saved of $18,200 income, Dora-cleaned
Planning modules
Comprehensive planning for accumulators.
Savings and liquidity goals
Track progress and determine savings need across liquidity, education, and retirement goals.
Insurance
Review life, disability, property, umbrella, and coverage gaps by person or household.
Tax planning
Compare scenarios, model tradeoffs, and carry tax-aware recommendations into the plan.
Investments
Review allocation, concentration, account purpose, and whether the portfolio supports the goal.
Estate planning
Track documents, beneficiaries, guardianship, stale items, and what still needs attention.
Cash flow and debt
Connect income, spending, savings capacity, debt payoff, and liquidity decisions.
Retirement accumulation
Review whether their on track, which accounts fund the goal, and what needs to change.
Business owners
Bring business value, ownership, succession, equity comp, and liquidity into the plan.
Planning FAQ
Common questions about Planning.
Plan around what changes
Deliver a plan your clients will actually use.
See how Kerdora turns product workflows into clear recommendations, client-ready Guides, and tracked follow-through.
Book a demo
Book a demo