Client data in Kerdora is organized into a simple structure: everything about a client lives in their Profile tab, and that data flows into the Planning modules where you analyze it. Understanding how data is organized will help you work faster and know where to find (or fix) any piece of information.
Where Data Lives: The Profile Tab
When you open a client and click Profile in the left sidebar, you'll see four sub-tabs that organize all client data:
Accounts
This is where financial accounts and liabilities live. It includes:
Assets — Investment accounts, retirement accounts (401k, IRA, Roth IRA, etc.), savings accounts, real estate, business interests, annuities, and other property.
Liabilities — Mortgages, student loans, car loans, credit card debt, and other obligations.
Each account tracks details like balance, account type, owner, and — for investment accounts — individual holdings with ticker symbols, asset class, expense ratio, and more.
Cashflow
This is where income and spending data lives:
Income — Employment income, business income, Social Security, rental income, and other sources, broken down by household member.
Expenses — Recurring spending categories.
Savings — How much the household is saving.
Debt Payments — Monthly payments on liabilities.
Insurance
All insurance policies are tracked here:
Life Insurance — Term and permanent policies with coverage amounts, premiums, and beneficiaries.
Disability Insurance — Short-term and long-term disability coverage.
Homeowners Insurance — Property coverage details.
Auto Insurance — Vehicle coverage.
Health Insurance — Plan details and premiums.
Long-Term Care Insurance — LTC coverage.
Liability Insurance — Umbrella and other liability policies.
Household
The people and entities in the client's household:
Adults — Name, date of birth, employment, email, and other personal details.
Children — Name, date of birth, and education details.
Businesses — Business entities owned by household members.
Trusts — Trust entities associated with the household.
How Data Gets Into Kerdora
There are two main ways to get client data into the platform:
The Extractor — Upload documents (PDFs, spreadsheets, images, Word documents) and Kerdora's AI automatically extracts financial data and populates the client's profile. This is by far the fastest method.
Manual entry — Add or edit data directly in the Profile tab by clicking add buttons and filling in fields.
Most advisors use a combination: upload documents through the Extractor to get the bulk of the data in quickly, then manually review and fill in any gaps.
How Data Flows Into Planning
The data in the Profile tab is what powers the Planning modules:
Goals — Uses assets, liabilities, income, expenses, and household member ages to run the Retirement, Education, and Liquidity calculators.
Investments — Reads from account holdings to show asset class breakdowns, expense ratios, dividend yields, and sector/region allocations.
Insurance — Uses insurance policies and income data to calculate whether the client has adequate coverage.
Taxes — Uses income and household data to model tax scenarios.
Estate — Tracks estate planning document completeness independently, but references household members.
This means that when you update data in the Profile tab — like correcting an account balance or adding a new income source — the Planning modules automatically reflect those changes. There's no need to re-run anything manually.
Key Concept: Everything Saves Automatically
Every change you make in Kerdora saves automatically. There's no save button. When you type a new balance, add an income source, or update a date of birth, the change is saved immediately and reflected across the entire client file.