Use manual entry when source documents or linked accounts do not provide the record, or when you need to correct reviewed information. Most source data lives under Profile: Accounts, Cash Flow, Insurance, and Household. Plan Setup provides a faster, guided version of the same work for a new client.

Manual entry and extraction can be combined. Apply useful extracted records first, then fill the gaps in Profile. Search for an existing linked, extracted, or manual record before adding another one.

Open Profile → Accounts to manage the balance sheet. The page can filter and sort the client’s assets and liabilities and provides shortcuts to related planning controls such as Goal Mapping, time horizons, and target portfolios.

Choose Filter/Sort to isolate one adult or joint records. Select Hide excluded accounts when you want to focus on accounts included in planning. Sorting can help you review the file by type, name, owner, or balance.

The subtype affects tax treatment, valid owners, contribution controls, holdings behavior, beneficiaries, and planning calculations. Choose the real legal or product type rather than the closest label that produces a preferred result.

Bank subtypes are labeled Checking, Saving, HYSA, Money Market, CD, Cash, and Other. Confirm name, owner, balance, institution, applicable account identifier, interest, savings, beneficiaries, and notes.

Enable savings only when the household is making regular contributions to that account. Enter the amount and frequency that describe the same contribution.

Investment subtypes cover taxable, retirement, employer, health, education, custodial, trust, and other investment accounts. Confirm:

Use the full account view when you need holdings, beneficiaries, employer match, or other details beyond the quick drawer. A 529 also needs the appropriate beneficiary relationship.

Add the property type, owner, estimated value, address, purchase basis and timing, property tax, maintenance, and notes as available. Link related mortgages and homeowners insurance instead of leaving several disconnected records.

Purchase information can support tax-planning observations. Use documented facts rather than a rough value when the conclusion depends on basis or ownership period.

Confirm the annuity product subtype, owner, balance, tax treatment, issuer, policy identifier, time horizon, policy and surrender dates, beneficiaries, and notes. The annuity category is separate from ordinary investment accounts because policy and surrender details matter.

Use a Business asset for the balance-sheet ownership value. Confirm the owning household entity and avoid duplicating a value already connected to a detailed Business planning record.

Choose Loan or Credit Card and enter the subtype and core details. For a liability, confirm:

Mortgages can include adjustable-rate timing and PMI information. These facts can generate cleanup or planning findings, so do not omit them when they matter.

Use Exclude From Plan only when you want to track the record but intentionally keep it out of applicable planning calculations. Exclusion does not delete the record.

Open the account or liability and use its delete control. Confirm the exact record and consider downstream holdings, assignments, linked policies, linked property, planning values, and notes. When a record should remain for context but no longer counts, Paid in Full or Exclude From Plan can be more accurate than deletion.

Open Profile → Cash Flow for Income, Spending, Savings, Debt Payments, and Giving when enabled.

Add separate income sources when owner, type, timing, amount, or frequency differs. Select Wages, Tax Exempt, Social Security, Pension, Annuity, Self-Employment, Ordinary Income, Not Taxable, Investment Income, or Rental Income as appropriate.

For each record, confirm the name, owner, amount, frequency, Starts, Ends, Growth, and type. Use one Social Security record per recipient. Enter the benefit with its actual frequency.

A new income’s Growth field defaults to Inflation (the current plan rate), except Pension and Annuity, which default to None. Choose Custom for a different annual increase or None to keep the amount flat.

Current Cash Flow totals include the record only when the current year is on or after Starts and before Ends. A future or ended record remains saved for the applicable planning years even when it is absent from current totals.

Enter total household spending including debt. Kerdora subtracts current debt payments to calculate Annual Burn, which is used by planning areas such as Retirement.

Do not enter spending net of debt if the field asks for spending including debt. Transaction activity in Spending is a separate view and does not automatically replace the planning-level Cash Flow assumption.

Savings records come from the applicable bank and investment accounts. Configure a flat contribution or percentage of income using the account controls. Review supported employer match separately so it is not counted twice.

Debt payments come from liabilities. Edit the liability payment and frequency when the Cash Flow total is wrong. Check duplicate debts and Paid in Full status.

Enable Giving in the household settings when charitable contributions belong in the plan. Add the recipient, flat amount or percentage of income, frequency, tax-deductible status, and note visibility.

Open Profile → Insurance and choose the policy type. Profile records what the client owns; Planning Insurance evaluates what may be needed.

Policy categories include Life, Disability, Homeowners, Auto, Health, Long-Term Care, and Liability. Available fields depend on the type.

Confirm insured person, subtype, death benefit, cash value where applicable, provider, policy identifier, premium and frequency, end date, beneficiaries, and notes.

Confirm insured person, group or individual coverage, monthly or percentage benefit, amount, tax treatment, inflation protection, benefit period, elimination period, own-occupation provisions, provider, premium, and end date.

Link homeowners coverage to the applicable property and enter dwelling limits, deductibles, personal property, premium, and dates. For Auto, enter liability limits, property damage, medical payments, deductibles, uninsured-motorist coverage, premium, and dates as available.

Record product subtype, owner or insured person, benefit or coverage limits, period, elimination period, inflation protection, deductibles, provider, policy identifier, premium, and relevant end dates as offered by the form.

Not every policy category has a dedicated planning calculator. Record accurate current coverage even when it is used only for reference and Guide output.

Open Profile → Household to manage adults, children, Businesses, Trusts, state, filing status, Giving, and portal access.

Use separate adults for owner-specific information. When adding a child, decide whether to create an Education Goal. Create Business and Trust entities before selecting them as owners of eligible accounts.

If you delete an entity that owns or is referenced by client data, Kerdora can require reassignment. Review every dependency and choose the legally correct new owner.

Notes can exist on accounts, liabilities, policies, Goals, household records, and other client data. In the note editor, choose Internal for advisor-only notes or Client visible for notes that can be eligible for portal or Guide presentation.

Do not put sensitive internal analysis in a note marked client-visible. If a Guide component cannot find a note, confirm that the note has the required visibility.

After material manual entry:

When a result is wrong, correct the source record instead of adding a duplicate or presentation-only workaround.