Goals is where you turn a client's priorities into specific funding targets and compare those targets with what the client owns and saves today. Open a client and go to Planning → Goals. The Goals workspace has three views: Goals, Goal Mapping, and Gap Analysis.

Use Goals to create and review individual goals, Goal Mapping to decide which accounts and savings fund each goal, and Gap Analysis to see whether the household's current cash flow can support all of the goal targets together.

Goals depends on the client's Profile. Review these areas first:

You can enter this information manually, apply reviewed Upload & Extract proposals, or use supported linked-account data. If the source records are incomplete, the goal may calculate with missing balances, timing, or cash flow.

Kerdora supports five goal types:

The Add Goal menu removes Retirement after the household already has one. Other goal types can be created more than once when the plan needs separate targets.

The Goals view lists each goal and two sets of measures.

These numbers answer whether enough assets are already set aside. They do not tell you whether ongoing savings are sufficient.

These numbers answer whether the current savings path matches the goal's modeled requirement. The target is the full required contribution, not only the increase above current savings.

Choose Expand All to review the goal rows together, or open an individual goal for its assumptions, results, accounts, and investment views. Drag goals to change their order when you want the list to follow the client's planning priorities.

The savings summary above the table compares the household's total monthly savings and employer contributions across available bank and investment accounts with the total required goal savings. It is a household-level comparison; it is not limited to the amounts assigned to individual goals. Use Gap Analysis for the full cash-flow explanation.

Open Goal Mapping when an account or monthly contribution supports one or more goals.

The assignment matrix shows accounts against goals. For each applicable account, allocate the balance and savings by a fixed amount or assign the remaining amount after other fixed assignments.

Use fixed assignments when the client has earmarked an exact amount. Use a remaining assignment when one goal should receive whatever has not been committed elsewhere. Because a remaining assignment changes when other fixed assignments change, review the matrix after reallocating an account.

Avoid assigning more than the account actually holds or saves. Kerdora warns about over-assignment, but the advisor should still confirm the client's intent.

Funding sequence lets you decide what happens to portable monthly savings after a non-retirement goal is projected to remain funded. Redirect the released monthly amount to another goal or leave it as future unallocated cash.

When the destination is Retirement, choose whether the redirected savings will be Taxable, Tax-deferred, or Tax-free. This affects the retirement portfolio's future tax mix. Funding dates are projections based on the current assignments and savings, so revisit the sequence when those inputs change.

Gap Analysis brings the individual savings targets into one household cash-flow conversation.

Kerdora compares What are you saving today? with What do your goals require? The current side totals monthly savings and employer contributions across the household's available bank and investment accounts, whether or not those amounts have been assigned to a specific goal. The required side includes the monthly targets from savings goals and debt-payoff goals.

The result shows a savings gap, savings above target, or an on-track position.

Kerdora combines the savings position with the household's current cash-flow surplus or shortfall. This shows whether existing free cash flow can absorb a savings gap or whether the plan requires a broader adjustment.

The budget comparison keeps income, taxes, debt payments, and giving visible, raises goal savings to the required level, and uses proposed spending as the balancing line. The PLUG label means Kerdora solved that spending amount so the proposed budget balances; it is not a number entered in Cash Flow.

Treat the proposed budget as a planning conversation, not an automatic change to the client's Profile. Decide which recommendation is realistic, then record the agreed action as a Change or task.

Some goal fields derive from Profile or household data. A derived field updates when its source changes. For example, retirement spending can derive from total household spending, liquidity expenses can derive from current spending, and retirement timing comes from household records.

Use a manual value when the goal genuinely needs a different assumption. Do not use an override merely to hide incorrect source data. Fix the Profile record first when the source itself is wrong.

Current assets and savings are normally driven by Goal Mapping and Assigned Accounts. If they look wrong, review the assignments rather than typing a duplicate value elsewhere.

The advisor's Planning → Goals, Goal Mapping, Gap Analysis, and goal-detail workspaces are not client portal pages. To present goal results, add the appropriate goal components and explanation to a Guide, preview it, and deliver the Guide. Use a client task when the client needs to provide information or complete an action.

If a result looks empty or unreasonable, check source data, assignments, timing, amount frequency, and manual overrides before changing the conclusion.