Use this workflow to move a new household from source documents to a reviewed Guide. The sequence follows Kerdora's current four-phase Plan Setup flow, then adds the verification steps needed before client delivery.

From practice Home, choose New client. Enter the Household Name and choose Create. Kerdora creates the client and opens Plan Setup.

Creating a client does not invite the household to the portal. Invitation is a separate per-adult decision near the end of setup or later in Profile Household.

Attach the source documents you already have. The normal uploader supports PDF, JPEG, PNG, Excel .xlsx and .xlsm, CSV, plain text, and Markdown. Convert Word documents to PDF before upload.

Choose:

Add instructions that identify the owner, source period, or expected record when the file is ambiguous. Do not ask extraction to force a planning result.

Review the Dora proposal before approval. Check duplicates, owner, subtype, amount, frequency, dates, and tax treatment. The current ordinary proposal card approves or rejects the displayed batch. If a material row is wrong, reject and request a corrected proposal or enter the record manually.

Plan Setup guides you through Household, People, Assets, Liabilities, Income, Expenses, and Insurance policies. These steps edit the same source records available under Profile.

Confirm the household name, state, filing status, and Giving setting. Add each adult separately and add relevant children, Businesses, and Trusts.

Check birthdays and ownership carefully. They affect Retirement, Education, Insurance, Taxes, Estate, and portal access.

Review Bank, Investment, Property, Annuity, and Business assets. Confirm:

Avoid duplicates between linked, extracted, and manual records.

Review Loans and Credit Cards. Confirm balance, owner, interest rate, payment amount and frequency, minimum payment, maturity, rate type, Paid in Full, and linked asset where relevant.

Create separate sources when owner, type, amount, frequency, or timing differs. Use the dedicated Wages, Social Security, Pension, Annuity, Rental Income, and other current income types. Match amount and frequency.

Enter supportable total spending including debt. Kerdora subtracts current debt payments to calculate Annual Burn. Confirm that charitable Giving is not counted twice when the feature is enabled.

Record what the household currently owns. Confirm insured person, subtype, benefit or limit, premium and frequency, provider, dates, beneficiaries, and linked property as applicable. Planning Insurance evaluates needs separately.

Create the Goals the household actually needs: Retirement, Education, Liquidity, Debt Payoff, and Other. Complete their assumptions and review Current versus Fully funded assets and Current versus Target monthly contributions.

Allocate account balances and savings intentionally. Use fixed assignments for known amounts and remaining assignment where appropriate. Resolve over-assignment and remember that household savings comparisons can differ from individual assigned savings.

Assign target portfolios so Investments can compare the current allocation with the intended model and calculate drift. Confirm account scope and time horizon.

Compare the Profile policies with the modeled coverage needs. Do not change existing-policy data merely to eliminate a planning gap.

Review the status of wills, powers of attorney, healthcare directives, beneficiaries, Trusts, and other relevant estate information. Confirm the client documents.

Plan Setup labels the first output step Observations. Review each surfaced finding against its source. The ongoing Changes workspace calls the review surface Insights. Do not convert every finding automatically.

Create a Change for a planning recommendation or decision. Write the action and reason clearly enough that the client and advisor understand what should change.

Create or link Tasks for the work needed to carry out Changes. Assign each Task to the advisor or client and add a useful due date.

Choose or build a Guide that explains the conclusions and next steps. Review component scope, labels, client-visible notes, visible Guides, and the default Guide. Preview from the client's perspective.

Invite each adult separately. Choose Guided Onboarding with Upload Only or AI Extract, or choose Straight to Guides. Copy the personal link and send it through your normal communication channel.

Before completing setup, inspect the summary of Profile and delivery records. Confirm that counts and totals make sense. Completion hides the temporary Plan Setup sidebar item; it does not prove that every assumption is correct.

Open:

Trace any unexpected value to Profile, saved assumptions, assignments, linked-data freshness, or overrides before presenting it.

Confirm:

Ongoing updates happen in the permanent workspaces after Plan Setup disappears.

When more than one team member completes setup, record which phase was last reviewed and identify any source facts that still need client confirmation. Do not treat a completed navigation step as evidence that another reviewer checked the work. The final advisor should review the material assumptions, recommendations, client-visible notes, Guide visibility, and portal invitations before delivery.

If setup pauses, return to the saved client rather than creating another household. Search the client list and recent activity first to prevent duplicate files.