Use manual entry to add information that documents or linked accounts did not supply, or to correct an existing planning record. Advisors work mainly in Profile: Accounts, Cash flow, Insurance, and Household. Check for an existing record before creating another one.
For creating the household itself, see Adding Your First Client. For document-based entry, see Using Upload & Extract for Client Data.
How do I add an account or debt manually?
Advisors add manual assets and debts in Profile → Accounts.
Choose Add account (Add on a smaller screen).
Select a category: Cash accounts, Investments, Properties, Annuities, Businesses, Loans, or Credit cards. Then choose the applicable subtype.
Enter the name, owner, balance, and other available details.
Choose Add account in the form, then open the saved record to complete or correct its details. Select the subtype that describes the actual account, and review the owner options available for that subtype.
Keep a property’s value and its mortgage debt as separate records. After you create the property, open it from Accounts (or choose Edit account on its account page), go to the Financing tab, and select Add Mortgage. Kerdora adds a mortgage named “Mortgage” with a $0 balance and a $0 payment, linked to the property. Open that mortgage and enter its balance, rate, payment, and owner.
Check each debt’s balance and payment amount; loans also have Payment frequency, while the credit-card editor has Payment Amount without a frequency field.
For investment accounts, a Target Allocation selected while adding the account saves as an account rule, shared with Planning → Investments → Models. For bank and investment accounts, check regular savings separately from the current balance. An account's value today and the amount the household contributes are different inputs.
Can a client add or correct an account on a phone?
Yes. In the client portal, open Accounts → Add account → Enter it yourself, then choose the account type.
If account linking is unavailable, the account-type choices open directly. Complete the form and use its account-specific add action, then check the account list before adding another record.
To correct an existing account, the client opens it and chooses Edit account. Account-field changes in this dialog are submitted with Save changes; closing an unsaved dialog does not submit them. If Save changes reports an error, review the saved record before retrying because individual changes may already have saved.
Holdings opened from this dialog save immediately in their own editor.
Bank and investment forms include Regular savings where applicable. Changing a calculated savings amount or frequency replaces that calculation with a flat contribution setting.
Advisors should review that change. Linked balances are not editable in this form; use Connections to investigate a balance supplied by a bank.
How do I correct investments and holdings?
Start with the existing investment account rather than adding a second account to make the total look right. Advisors can review ownership, subtype, savings, and portfolio information in the account editors. Check whether the account uses a balance with an asset-class allocation or individual holdings.
For a manual investment account, the portfolio controls offer Allocation and Holdings. Choose the approach that matches the information you have, and compare the saved total with the statement. A holdings-based account needs accurate positions; a manually entered account balance is not a substitute for reviewing those positions.
Linked holdings are controlled by the connection and are read-only in the holdings editor. See Troubleshooting Linked Accounts for missing cash, incomplete holdings, or an incorrect synced value. For Altruist CSV files, use Importing Holdings from Altruist, which explains how an import replaces holdings on matched accounts.
How can a client add or correct investment holdings?
In Accounts, clients can add, edit, and delete holdings on manual investment accounts. These edits save immediately to the advisor's client file without an extraction approval.
Open the investment account and select Add holdings or Edit holdings in its Holdings card. The same buttons appear in the Holdings row inside Edit account.
Use Add holding... to search for and select a ticker and enter its Quantity, or choose Add custom holding, select its type, and enter its name and Value. Edit an existing holding's available fields to correct it; use its trash icon to remove it.
Check Calculated balance against the statement, then select Done to close the editor. Done closes an editor whose changes have already saved.
The first holding switches a balance-only account to a balance calculated from holdings and locks the manual Balance field. Opening and closing without adding a holding keeps the entered balance. Clients can't switch back to balance-only.
Linked-account holdings stay read-only. Closing Edit account without saving its other fields doesn't undo holdings changes. Control What Clients Can See and Edit explains the portal's wider editing limits.
How do I enter income and its timing?
As an advisor, open Profile → Cash flow → Income, choose Add, and select the income type. Social Security choices name each eligible adult. Enter a required income name, owner, amount, and frequency; review Starts, Ends where available, and Growth before selecting Add income.
New wages and self-employment income normally end at retirement. New Social Security, pension, and annuity income normally start at retirement. Change those defaults when the client's actual timing differs.
New income generally grows with plan inflation; pension and annuity income default to no growth. Review the growth setting against the actual income arrangement.
Current cash-flow totals include income from its start year up to, but not including, its end year. A future or ended record remains saved even when it is absent from current income totals. Correct its timing instead of creating another income record just to make it appear today.
Does the advisor's spending number include debt payments?
Yes. In Profile → Cash flow → Spending, the advisor's Total Spending includes debt payments.
Kerdora subtracts Current Debt Payments and shows the remainder as Monthly Expenses or Annual Expenses. These expenses are the spending amount used by the plan.
Check Mo or Yr before entering an amount. If Zero out surplus is selected, the total is calculated and the amount field is disabled. Clear that option to enter a manual spending estimate.
For example, $4,000 of monthly everyday expenses plus $1,000 of monthly debt payments means $5,000 of total monthly spending in this advisor field. Entering only $4,000 here would subtract debt again.
Correct a wrong debt-payment amount on the underlying liability, then review the spending calculation. The transaction list in Spending is a separate source of activity to review, not this planning assumption's manual entry field.
What does the client enter for everyday spending?
In the client portal’s Cash flow page, the client selects Edit spending on the Household spending row. The Everyday spending dialog’s Monthly spending field asks for ordinary expenses such as groceries, utilities, and insurance.
Leave out the debt payments, savings, and giving already listed separately on that page. Count credit-card purchases once, without adding their repayment as another everyday expense.
The client chooses Save changes to submit the estimate. Kerdora adds the separately recorded debt payments when saving the planning total.
A $4,000 everyday-spending estimate and $1,000 of monthly debt payments therefore produce $5,000 of total monthly spending. Kerdora then subtracts the $1,000 of debt payments, leaving $4,000 of everyday expenses for planning.
If spending was calculated from other plan values, entering a different estimate replaces that calculation with a manual amount. Saving the unchanged estimate preserves the existing calculation. Review material client changes before relying on the resulting cash-flow or planning outputs.
Where do savings and debt-payment totals come from?
On the advisor's Profile → Cash flow page, savings come from bank and investment account settings; debt payments come from liabilities. Correct those source records when a cash-flow total is wrong.
Open the relevant account to review contribution amount and frequency. Where the account supports employer matching, review the employer contribution separately from the employee contribution. Do not enter a combined contribution as the employee amount and then add the same employer match again.
For debt payments, check each loan’s amount and Payment frequency, each credit card’s Payment Amount, and any duplicate debts. Turning on Paid in Full? doesn’t remove a card payment from this total.
Correct an inaccurate payment amount; use Exclude From Plan? only when the whole debt should be excluded from planning totals.
A balance and a payment answer different questions: what is owed now and what the household pays over time. After correcting the source, return to Cash flow and confirm that the total reflects the intended records. Giving appears separately when enabled for the household.
How do I add an existing insurance policy?
Advisors record existing policies under Profile → Insurance. Select Add Policy, choose the category and policy type, enter the form’s details, and select Add policy to create the record.
Kerdora then opens the new policy. Complete the applicable coverage, insured person or property, premium, frequency, and other details, and compare the saved policy with its source document.
Check for an existing policy before creating another copy. Use Insurance planning for the separate planning view; recording a policy doesn’t establish that its coverage meets the household’s needs.
How do I correct household members and owners?
Under Profile → Household, advisors review household members, state, and filing status. Create the appropriate person, business, or trust before assigning records to that owner; don’t substitute someone else because the correct owner is missing.
Deleting a household entity can require reassignment of its dependent records. Kerdora prevents deleting the last adult.
Review the requested reassignments before confirming; changing ownership to clear a dialog can change the meaning of the household’s plan. After correcting an owner, check the affected accounts and income records.
Portal invitations are covered in Inviting a Client to the Portal.
Should I exclude, delete, or keep an account?
Use Exclude From Plan? in the advisor account editor when the record should remain saved but be excluded from applicable planning totals. Property records don’t offer this exclusion setting.
To hide excluded records in Accounts, open the filter icon (accessible name “Filter and sort accounts”) and select Hide excluded accounts. This preference is saved for the household; neither control deletes records or archives the household.
Delete an account only when that record should be removed. The advisor editor's delete label depends on the record type, such as Delete bank or Delete loan, followed by a confirmation.
Check the record's holdings, assignments, and related planning information first. Deleting a linked business asset can also remove its associated business-planning record.
For duplicates created during linking, see Troubleshooting Linked Accounts before deleting anything. Disconnecting a bank and deleting a planning account are separate actions; disconnecting retains the planning data.
How do I keep account notes internal?
Account notes are internal by default. On the account page, find the Notes section and select Add note or Edit to open its editor. Use the eye or crossed-eye icon beside the note to change visibility; its tooltip describes the current state, such as “Internal only — click to make visible to client.”
Shared notes appear to clients as “From your advisor” in their account view. Keep internal analysis in an internal note.
Check the visibility before using a note to share information with the household. Correcting the note text and changing its visibility are separate edits. Sharing a note does not correct the account balance, holdings, or ownership; make those changes on the account itself.
Can I hide an ex-client and keep their data?
There is currently no ex-client archive or hide control that retains the whole household while also removing it from the client list and stopping its task reminders. Searching the client list only filters that view. Account exclusion and note visibility do not archive a client either.
Keep the existing household record if you need its data. Ask Support about your offboarding requirements before deleting it; client deletion is a data-removal action, not a reversible hidden-client category.