Every account in Kerdora falls into one of 5 categories: Investment, Bank, Property, Annuity, or Business. Each category has its own set of fields and subtypes. This article breaks down what you'll see for each one.
You add accounts under Profile > Accounts inside any client file. Click + Add, pick a category, choose a subtype, and you're in.
Fields Every Account Has
No matter which category you pick, you'll always see these:
Account Name — required to create the account
Balance — the current value
Owner — who owns it (an adult, joint, a business, or a trust, subject to subtype rules below)
Exclude From Plan — toggle this on to keep the account out of planning calculations (useful for accounts you're tracking but not planning around)
Notes — free-form notes with a visibility toggle. Set to Internal (advisor-only, the default) or Client-Visible (shown to the client in their portal).
Most accounts also have Goal Assignments, which let you assign a percentage or dollar amount of the account's balance (and savings, if applicable) toward specific goals like Retirement, Education, or Liquidity.
Titling is only on some accounts. Bank accounts always have it. On investment accounts, Titling only shows up on taxable and Donor Advised Fund (DAF) subtypes — retirement and tax-advantaged accounts pass by beneficiary designation instead of titling, so the field is hidden there. Annuities have it. Loans and credit cards no longer have a Titling field.
Owner rules by subtype. The owner dropdown filters based on what's legal for the account:
Joint ownership. Available on taxable bank and investment accounts, property, annuities, businesses, and liabilities. Not available on retirement, tax-advantaged, or custodial accounts.
Individual-only subtypes. Traditional IRA, Roth IRA, 401(k), 403(b), 457(b), TSP, Solo 401(k), SEP-IRA, SIMPLE IRA, Inherited IRA/Roth, HSA, FSA, 529, Coverdell, ESA, UTMA/UGMA. These must be owned by a single adult.
Trust-owned only. The "Trust" investment subtype must be owned by a Trust entity, not an adult.
Business-capable. Taxable investment and bank accounts can be owned by a business entity.
The dropdown handles this for you — pick a subtype and invalid owner options disappear.
Investment Accounts
Investment accounts are the most feature-rich category. They feed directly into the Investments planning module, where you can view asset allocation, expense ratios, dividend yields, and sector breakdowns across the portfolio.
Subtypes
Investment accounts have 30+ subtypes, grouped by tax treatment:
Taxable
Taxable, Other
Tax-Deferred
Traditional IRA, Solo 401(k) - Traditional, SEP-IRA, SIMPLE IRA, 401(k) - Traditional, 403(b) - Traditional, 457(b), Rollover IRA, TSP, Other Tax-Deferred, Defined Benefit, Profit Sharing
Tax-Free
Roth IRA, 401(k) - Roth, Solo 401(k) - Roth, 403(b) - Roth, SEP - Roth, SIMPLE IRA - Roth, TSP - Roth, Roth Annuity
Inherited
Inherited IRA, Inherited Roth
Health Savings
HSA, FSA
Education
529, Coverdell, ESA
Other
Donor Advised Fund, ESPP, UTMA/UGMA, Trust
Fields
Account Name (required)
Balance
Owner — follows the subtype rules above. Retirement and tax-advantaged subtypes are individual-only; the Trust subtype must be owned by a Trust entity; taxable and DAF accept joint, business, and trust owners.
Titling — only visible on Taxable and Donor Advised Fund subtypes
Institution
Account Number
Time Horizon — 1-3 years, 3-5 years, 5-10 years, or 10+ years
Target Allocation — pick one of the firm's model portfolios as the target for this account. Drives the DriftBadge on the Investments Portfolio tab and the side-by-side comparison on the Compare tab. Leave blank to inherit from Assignment Rules, or pick "None" to opt out.
Managed — toggle to indicate whether the account is professionally managed
Exclude From Plan
Notes (with internal/client-visible toggle)
For 529 accounts only: a Beneficiary field appears where you select the child or adult the account is for.
Beneficiary Designations
Investment accounts carry a Beneficiary Designations section separate from the 529 beneficiary field. You can add:
Primary beneficiaries — name, percentage, and optionally link to an entity
Contingent beneficiaries — same structure, paid only if primaries are gone
Review Status — Confirmed, Needs Review, or Unknown
Last Confirmed Date — when you last verified the designations with the client or custodian. Flipping Review Status to Confirmed auto-populates this to today, so you don't have to set both fields.
This is what drives the estate-side review that most advisors miss on IRAs and 401(k)s. Observations will flag missing beneficiaries, percentages that don't sum to 100%, and designations that haven't been reviewed in a while.
Asset Allocation
Every investment account lets you track what's inside it using one of two methods:
Allocation — set percentage breakdowns across asset classes (US Stock, Non-US Stock, Bond, Cash, Real Estate, Crypto, Other). Good for a quick overview.
Holdings — add individual securities with ticker symbols, quantities, and prices. This gives you detailed data in the Investments planning module.
Savings & Employer Match
You can track ongoing contributions by toggling on savings. Set a dollar amount or percentage of income, and choose the frequency (Weekly, Monthly, Quarterly, or Annually).
For employer-sponsored accounts (401k, 403b, etc.), you can also configure an Employer Match with match tiers (e.g., "100% match up to 3% of income, then 50% up to 5%").
Bank Accounts
Bank accounts cover everyday cash accounts. They don't feed the Investments planning module, but their balances count toward goals and overall net worth.
Subtypes
Checking, Saving, HYSA (High-Yield Savings Account), Money Market, CD (Certificate of Deposit), Cash, Other
Fields
Account Name (required)
Balance
Owner
Titling
Institution
Account Number
Interest Rate
Exclude From Plan
Notes (with internal/client-visible toggle)
Beneficiary Designations
Bank accounts support the same Beneficiary Designations block as investment accounts: primary and contingent beneficiaries, review status, and last confirmed date (auto-populates to today when status flips to Confirmed). This is where TOD/POD instructions on a bank account live.
Savings
Just like investment accounts, you can toggle on savings tracking to capture regular contributions (amount and frequency: Weekly, Monthly, Quarterly, or Annually).
Property
Property accounts represent real estate holdings. They connect to the Insurance planning module, where homeowners coverage is tracked and calculated.
Subtypes
Primary Home, Other Home, Investment Property, Land, Other
Fields
Home Value (the balance field, labeled as value)
Owner
Titling
Address
Purchase Price — what the client paid. Feeds the primary-residence tax exclusion check ($250K/$500K) in Observations.
Purchase Year — the year they bought it. Combined with Purchase Price, this drives the exclusion-timing observation.
Property Tax (annual)
Maintenance (annual estimated costs)
Exclude From Plan
Notes (with internal/client-visible toggle)
Linked Sections
Property accounts have two linked sections that other account types don't:
Mortgages — add one or more mortgages with name, balance, interest rate, and monthly payment. These show up as liabilities in the client's net worth.
Property Insurance — add homeowners policies with premium, dwelling coverage, deductible, and wind/hail deductible. These feed the Insurance planning module's homeowners calculator.
Annuities
Annuities track insurance-based investment products. They're separate from standard investment accounts because they have unique fields like surrender dates and policy numbers.
Subtypes
MYGA (Multi-Year Guaranteed Annuity), FIA (Fixed Indexed Annuity), Variable, Fixed
Fields
Account Name (required)
Balance
Owner
Titling
Investment Type — the tax treatment of the annuity (Taxable, Traditional IRA, Roth IRA, 401k, etc.)
Time Horizon — 1-3 years, 3-5 years, 5-10 years, or 10+ years
Company — the issuing insurance company
Policy Number
Surrender Free — the date when the surrender period ends
Policy Date — when the annuity was issued
Exclude From Plan
Notes (with internal/client-visible toggle)
Beneficiary Designations
Annuities carry the same Beneficiary Designations block: primary and contingent beneficiaries, review status, and last confirmed date (auto-populates to today when status flips to Confirmed). Annuities pass by beneficiary designation, so keep this current.
Business
Business accounts represent ownership interests in a business entity. They're the simplest account type with the fewest fields.
Subtypes
Sole Proprietorship, LLC, Partnership, S Corp, C Corp, Business
Fields
Business Value (the balance field)
Owner
Titling
Exclude From Plan
Notes (with internal/client-visible toggle)
Balance can be entered directly or linked to a Business record in planning so the asset value stays in sync with the client-share valuation.
Liabilities
Liabilities don't have a Titling field. Every liability shares a base set: Name, Owner, Balance, Institution, Interest Rate, Payment Amount, Payment Frequency, Minimum Payment, Paid-in-Full toggle, Exclude From Plan, and Notes with the internal/client-visible toggle. You can also link a liability to an asset (for example, a mortgage tied to a specific property).
Loan subtypes
Mortgage, Auto Loan, Student Loan, HELOC, Other
Loans pick up a few extra fields on top of the base set:
Rate Type — Fixed or Adjustable. On ARMs, an ARM Fixed Period Ends date appears so the "ARM reset approaching" observation can fire when the fixed window is closing.
Maturity Date — when the loan pays off. Drives the "mortgage payoff mid-retirement" observation.
Paying PMI (mortgages only) — toggle on if the client is still paying PMI. Flips on the "PMI still paying" observation so you can flag when equity is high enough to drop it.
Credit Card
Single subtype: Credit Card. Uses the base liability fields, plus the Paid-in-Full toggle is the main flag for credit cards that aren't a planning concern.
Quick Reference
| Category | Key Unique Fields | Feeds Into |
|---|---|---|
| Investment | Holdings/Allocation, Time Horizon, Target Allocation, Managed, Employer Match, Beneficiary Designations | Investments module, Goals |
| Bank | Interest Rate, Beneficiary Designations | Goals, Net Worth |
| Property | Address, Purchase Price/Year, Property Tax, Maintenance, Mortgages, Property Insurance | Insurance module, Goals, Net Worth, Observations |
| Annuity | Company, Policy Number, Surrender Free, Policy Date, Investment Type, Beneficiary Designations | Goals, Net Worth |
| Business | (minimal fields; optional link to planning Business record) | Goals, Net Worth |
| Loans | Rate Type, ARM Fixed Period Ends, Maturity Date, Paying PMI, Linked Asset | Net Worth, Observations |
| Credit Cards | Paid-in-Full toggle | Net Worth, Observations |
Every account type supports Goal Assignments, which let you allocate balances and savings toward specific financial goals. This is how the Goals tab knows which accounts to count toward Retirement, Education, or Liquidity targets.