Client data in Kerdora is organized into a simple structure: everything about a client lives in their Profile section, 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: Profile
When you open a client and click Profile in the left sidebar, you'll see four items nested beneath it 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.
Cash Flow
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.
This is the manual cash flow you enter by hand. If a client links bank or credit card accounts via account aggregation, their actual transactions show up separately under Planning › Spending — that's a different, transaction-level view, not the same as Profile › Cash Flow.
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 three 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 under Profile by clicking add buttons and filling in fields.
Account aggregation — The client links their external accounts from the Client Portal, and Kerdora pulls in live balances, investment holdings, and spending transactions automatically. Balances and holdings flow into Profile › Accounts; transactions flow into Planning › Spending (Beta), where they're auto-categorized and can be filtered, tagged, and cleaned up with rules.
Most advisors use a combination: upload documents through the Extractor to get the bulk of the data in quickly, manually review and fill in any gaps, and turn on account aggregation so balances and transactions stay current on their own.
How Data Flows Into Planning
The data under Profile 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 under Profile — 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.