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 (a single adult, joint, or a business/trust entity)
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 — internal notes only you can see
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.
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 — joint ownership is only available for taxable and non-tax-deferred accounts
Institution
Account Number
Time Horizon — 1-3 years, 3-5 years, 5-10 years, or 10+ years
Managed — toggle to indicate whether the account is professionally managed
Exclude From Plan
Notes
For 529 accounts only: a Beneficiary field appears where you select the child or adult the account is for.
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, Bi-Weekly, Monthly, Quarterly, Semi-Annually, 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 into 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
Institution
Account Number
Interest Rate
Exclude From Plan
Notes
Savings
Just like investment accounts, you can toggle on savings tracking to capture regular contributions (amount and frequency).
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 (secondary residence), Investment Property (rental), Land
Fields
Home Value (the balance field, labeled as value)
Address
Property Tax (annual)
Maintenance (annual estimated costs)
Exclude From Plan
Notes
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 into 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
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
Business
Business accounts represent ownership interests in a business entity. They're the simplest account type with the fewest fields.
Subtypes
LLC, Partnership, S Corp, C Corp
Fields
Business Value (the balance field)
Exclude From Plan
Notes
Quick Reference
Category | Key Unique Fields | Feeds Into | Investment | Holdings/Allocation, Time Horizon, Managed, Employer Match | Investments module, Goals |
Bank | Interest Rate | Goals, Net Worth | Property | Address, Property Tax, Maintenance, Mortgages, Property Insurance | Insurance module, Goals, Net Worth |
Annuity | Company, Policy Number, Surrender Free, Policy Date, Investment Type | Goals, Net Worth | Business | (minimal fields) | Goals, Net Worth |
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.