After reviewing a client's goals or any planning module, the next step is capturing the action items that come out of your analysis. In Kerdora, those action items live in Changes to be made — a dedicated page where you organize and track every recommendation for a client. You can add changes from anywhere in the app using the Add Change button in the top-right header, or go directly to the Changes to be made page to manage them all in one place.
How Changes Connect to Goals
When you review a client's Goals tab, you'll often spot things that need to happen — a client isn't saving enough for retirement, they need to open a 529 for education funding, or their emergency fund is short. These are exactly the kinds of insights that should become changes.
You have two ways to get them into the Changes list:
Add them yourself. You're the advisor, and you decide what rises to the level of a recommendation. The Goals tab gives you the data; the Add Change button captures the recommendation.
Let Observations flag them. Kerdora runs 85 rules across the client's plan — insurance gaps, retirement shortfalls, beneficiary issues, cash drag, Roth conversion windows, ARM resets, RMDs, contribution-limit-vs-max checks, and more. Flagged items show up on Office > Observations and in a side panel on the Changes page (click View observations at the top). Each flag has a one-click Convert to change that drops it straight into Changes to be made with the category pre-picked.
Observations is a starting agenda, not a replacement for your judgment. Convert the ones that belong, dismiss the ones that don't, and add your own wherever the rules didn't catch something.
Adding a Change from Anywhere in the App
You don't need to leave the Goals tab (or any other page) to capture a change. In the top-right corner of every client screen, you'll see an Add Change button. Click it and a popover appears with three fields:
Category — Pick which category the change belongs to (e.g., "Accounts to be opened / closed" or "Changes to Cash Flow")
Description — Write out the specific action item
Target date (optional) — When the change should be handled by. Leave blank to default to "Next 30 days."
Click Add and the change is saved immediately. This lets you capture recommendations in real time as you review a client's plan — no need to navigate away from what you're working on.
Managing Changes on the Changes to be Made Page
To see all changes in one place, go to Overview in the client sidebar and click the Changes to be made tab (next to Guides).
Here you'll see all your change categories listed vertically, each with its individual change items inside. Every client starts with five default categories:
Accounts to be opened / closed
Changes to Cash Flow
Changes to Investment Allocation
Changes to Insurance
Changes to Procedures
Adding Changes Directly on the Page
Inside any category, click + New change to add an item. Type your recommendation and it saves automatically. You can also:
Check off a change when it's done
Drag and drop to reorder changes within a category
Set a target date by hovering on the change and clicking the small calendar icon next to the title
Delete a change by hovering over it and clicking the trash icon
Working with Categories
Click + New section at the bottom to create a custom category
Rename any custom category by clicking its name and typing
Hide a category by hovering over it and clicking the eye icon — hidden categories won't clutter your view but aren't deleted
Reorder categories by dragging them
Delete a custom category by hovering and clicking the trash icon
The five default categories (Accounts, Cash Flow, Investment Allocation, Insurance, and Procedures) can be hidden but not renamed or deleted. Custom categories you create can be fully edited or removed.
Two views: Sectioned and By Timing
At the top of the Changes page, toggle between two views:
Sectioned — The default. Groups changes by category (the five defaults plus any custom categories you've added).
By Timing — Groups changes by horizon bucket: Next 30 days, 30 to 90 days, 3 to 12 months, and Long-term. Each item shows its category context inline so you don't lose where it came from.
Use By Timing when you're prepping for a client meeting and want to walk through the most imminent items first. Use Sectioned when you're thinking by planning area.
Changes with no target date — and changes whose target date has already passed — both fold into the "Next 30 days" bucket. Past-due is a Tasks concept, not a Changes concept.
Filtering Changes
At the top of the page, use the filter buttons to switch between:
All — Every change, completed or not
Not Completed — Only open items
Completed — Only finished items
There's also a horizon filter for narrowing to a specific timing bucket (Next 30, 30-90, 3-12 months, Long-term) — useful in either view.
What Kinds of Changes Should You Add?
Changes to be made can capture anything that comes out of your planning analysis. Here are some common examples by category:
<table header-row="false" header-column="false">
<tr>
<td>Category</td>
<td>Example Changes</td>
</tr>
<tr>
<td>Accounts to be opened / closed</td>
<td>Open a Roth IRA, close old 401(k) and roll over to IRA, open a 529 plan</td>
</tr>
<tr>
<td>Changes to Cash Flow</td>
<td>Increase monthly savings by $500, reduce discretionary spending, set up automatic transfers</td>
</tr>
<tr>
<td>Changes to Investment Allocation</td>
<td>Rebalance to target allocation, reduce cash drag, increase international exposure</td>
</tr>
<tr>
<td>Changes to Insurance</td>
<td>Increase term life coverage, add umbrella policy, review disability insurance</td>
</tr>
<tr>
<td>Changes to Procedures</td>
<td>Update beneficiary designations, set up automatic RMDs, review estate documents</td>
</tr>
</table>
Customizing Your Default Categories
You can customize which categories appear by default for new clients. This is managed through your Guide templates — if you find yourself always adding the same custom categories, you can set them up once and have them apply automatically. Look for more details in the Guides section of the help center.
Tips for Writing Good Changes
Be specific. "Increase term life coverage to $1M" is better than "Look into insurance."
Make it actionable. Each change should describe something the client or advisor can actually do.
One action per change. If there are two things to do, make two changes — it's easier to track completion that way.
Set target dates when you know them. It costs nothing and makes By Timing useful. If you don't know, leave it blank — the change will sit in "Next 30 days" until you handle it or move it.