A Liquidity goal models an emergency reserve or other cash cushion. It compares the client's assigned reserve with a target based on monthly expenses, then estimates the monthly savings and time needed to close the gap.
Open a client and go to Planning > Goals to create the goal and review its full Plan, Assigned Accounts, and Investments views.
How do I create a Liquidity goal?
Open the client and select Planning > Goals.
Select Add Goal > Liquidity.
Open the new Liquidity goal.
Rename it if the client uses a more specific term, such as Emergency Reserve or Business Cash Cushion.
Add a description when the target needs context.
The goal name, description, assumptions, targets, and assignments save automatically as you change them. There is no separate Save button.
Can I set up the goal during Plan Setup?
Yes. Open Plan Setup > Goals, select Add Goal > Liquidity, rename the goal, and select Calculator to enter its assumptions. Plan Setup shows the calculated target balance and target savings but does not include account assignments.
Finish the goal under Planning > Goals so you can assign accounts and review the complete outcome.
How do I set the Liquidity goal assumptions?
Open the Liquidity goal and stay on Plan. Complete the four questions in Plan the emergency reserve:
Months of expenses to cover? Enter the number of months the reserve should fund. Choose this with the client based on income stability, access to other liquidity, near-term obligations, and risk tolerance.
Monthly expenses? Kerdora derives this from total annual spending in Profile > Cash Flow, divided by 12. Use a manual value when the reserve should cover a different spending amount.
When do you want to be fully funded? Select the month and year the client should reach the reserve target.
Expected yield on savings? Enter the annual yield expected on the assigned reserve, or leave it at 0% when no yield should be modeled.
Kerdora calculates the reserve target as:
Months of expenses × Monthly expenses = Target reserve
For example, six months at $8,000 per month produces a $48,000 target. This is only an illustration; Kerdora does not prescribe the number of reserve months.
How do I change the derived monthly-expense amount?
The Monthly expenses field derives from Profile > Cash Flow by default. Use the field's derived-value control to enter a manual monthly amount when the Liquidity goal should use a different spending basis.
The manual value applies only to this goal; it does not change the client's Cash Flow records. Clear the manual value or return the field to its derived state to use total annual spending divided by 12 again.
If the derived amount itself is wrong, correct Profile > Cash Flow instead of hiding the source problem with an override.
How do I read the Liquidity outcome?
The headline shows how many months of the target reserve are covered today. It uses the current balance assigned to the Liquidity goal and the monthly-expense assumption.
The projected outcome shows:
Time to target — the estimated number of months required to reach the reserve target.
Fully funded — the estimated month and year the target will be reached.
Plan savings — the monthly savings target used for that estimate.
The estimate uses the current assigned reserve, planned monthly savings, and expected yield. If the current reserve already meets the target, Kerdora shows that the reserve is fully funded today. If no usable monthly savings target is set, Kerdora prompts you to set planned savings before it can estimate the completion date.
What do Funding status and Savings target mean?
Funding status compares the current balance assigned to the Liquidity goal with its target reserve.
Savings target compares the monthly savings assigned to the goal with the calculated or manually entered monthly plan savings.
The funding target and savings target are derived from the calculator by default. You can enter a manual target when the agreed plan intentionally differs. When the reserve target is overridden, Kerdora still shows the months-based calculation for context and labels the target as an override.
Use an override to document a deliberate planning decision, not to hide incorrect source data. Clear the manual value to return to the calculated target.
How do I assign accounts to the Liquidity goal?
Open the goal from Planning > Goals.
Select Assigned Accounts.
Use the account selector in the Assigned Accounts panel.
Select each bank or investment account that funds the reserve.
Review both the balance and monthly-savings portions assigned from each account.
Savings, checking, money market, or another accessible account can be assigned when it matches the client's plan. If an account supports several goals, use fixed dollar assignments or assign the remaining amount after other fixed assignments. Balance and monthly-savings assignments are separate, so confirm both.
Return to Plan to see the updated months covered, funding status, and savings progress. If an investment account is assigned, select Investments to review its allocation and available target-portfolio information. If no investment account is assigned, that tab explains why investment detail is empty.
Can the client see or edit the Liquidity goal?
The advisor's Goals workspace, calculator, account assignments, Goal Mapping, and Gap Analysis are not client portal pages. A client cannot open or edit the Liquidity goal directly in the portal.
To present the reserve plan, add the appropriate goal content and explanation to a visible Guide. Preview the Guide before delivery so the target, time frame, and recommended action are client-ready.
Why is the Liquidity result blank or unexpected?
Check these items in order:
Monthly expenses is zero or wrong. Review Profile > Cash Flow, then check whether Monthly expenses is derived or manually entered.
No accounts are assigned. Open Assigned Accounts and select the accounts that fund the reserve.
The assigned balance is wrong. Review fixed and remaining balance assignments, especially when an account funds several goals.
Current savings is missing. Confirm the source account has monthly savings and that its savings portion is assigned to the Liquidity goal.
No completion date appears. Enter a target date and make sure a usable monthly savings target is available.
The target does not equal months times expenses. Check Funding status for a manual reserve-target override.
Plan savings differs from the calculator result. Check Savings target for a manual override.
Changing Cash Flow does not change the goal. Monthly expenses may be manually entered; clear the manual value to restore the derived link.