"Changes to Be Made" is Kerdora's action item system. It's where planning insights get turned into concrete next steps for a client — things like "increase 401(k) contributions," "get an umbrella policy," or "update your estate documents." If you've reviewed a client's data and identified something that needs to happen, a Change is how you track it.
Where Changes Live
You'll find Changes in two places:
The Changes section — In each client's sidebar under Overview, there's a dedicated area for all of that client's changes. This is the central hub where you can see everything in one place, add new changes, and track progress.
Inside planning modules — As you work through Goals, Insurance, Investments, and other planning tabs, you can add changes directly from within those modules. They'll automatically show up in the client's main Changes list.
What a "Change" Looks Like
Each change has a few key pieces:
A title — A short description of the action item (e.g., "Open a Roth IRA")
A category — The planning area it falls under (e.g., Investments, Insurance, Estate)
A description — Optional additional detail or context for the recommendation
Assignment — Whether it's visible to the client in their portal, or kept internal for your eyes only
Status — Whether it's open or completed
How Changes Fit Into Your Workflow
The typical flow looks like this:
Gather data — Use the Extractor or manually enter client information
Review planning modules — Work through Goals, Insurance, Investments, Taxes, and Estate Planning
Identify gaps — Spot areas where the client needs to take action
Create changes — Add them as you go from within the planning modules, or add them from the Changes section directly
Share with the client — Assign changes to the client so they appear in the Client Portal, or keep them internal as advisor-only notes
Track progress — Mark changes as complete as the client follows through
Changes to Be Made are what connect the planning work you do in Kerdora to the actual steps a client needs to take. Without them, your analysis stays as numbers on a screen. With them, you're giving the client a clear path forward.
Customizing Your Default Changes
You can customize the set of changes that are available to choose from by editing them in the template section. This lets you define your own default changes so they match the recommendations you commonly make — saving you time when building out a client's action items.
Client Visibility
Changes you assign to a client will appear in their Client Portal, so they can see what's been recommended and track their own progress. Changes you keep internal won't be visible to the client at all. This gives you full control over what the client sees and when they see it.
Changes to Be Made is one of the features advisors say makes Kerdora different from other planning tools. It bridges the gap between "here's your financial picture" and "here's what to do about it."