Kerdora organizes the balance sheet into five asset categories—Bank, Investment, Property, Annuity, and Business—plus Loan and Credit Card liabilities. The category and subtype determine valid owners, available fields, tax treatment, contribution behavior, and downstream planning use.

Add and edit these records under Profile → Accounts. Choose the real account type first; the owner list and detailed controls adjust to the subtype.

Most assets and liabilities include:

Exclude From Plan keeps the record in Profile while removing it from applicable planning calculations. It does not delete the account.

Goal assignments allocate an existing account balance and savings to Goals. They do not create a second balance. Review assignments after changing an account balance or contribution.

Kerdora filters owner options based on the account selected.

If the correct owner does not appear, confirm the Household entity exists and that the account subtype is correct. Do not change an IRA to Taxable simply to make Joint available.

Titling appears only where legal ownership language is useful. Many retirement and tax-advantaged accounts pass by beneficiary designation, so they do not use the same titling field as taxable property.

Bank subtypes are labeled Checking, Saving, HYSA, Money Market, CD, Cash, and Other.

Available details can include:

Use the savings controls when the household makes regular contributions. A savings-account balance and its monthly savings are different values.

Investment accounts include taxable brokerage, Traditional IRA, Roth IRA, employer plans such as 401(k), 403(b), 457(b), TSP, Solo 401(k), SEP-IRA and SIMPLE IRA, inherited accounts, HSA and FSA, education and custodial accounts, Trust accounts, donor-advised funds, and other supported subtypes.

The exact subtype matters because it affects:

Common details include name, owner, balance, institution, account identifier, holdings, savings, time horizon, target portfolio, beneficiaries, and notes.

Use the full account experience to review security name or ticker, quantity or value, asset class, and other available security details. Holdings power Investments analysis. If total holdings do not reconcile with the account balance, determine whether the source statement, linked data, cash position, or manual holding needs correction.

Configure employee savings as a flat amount or percentage of a linked income where supported. Employer-sponsored accounts can support match tiers. Kerdora adds applicable match to modeled savings; do not add it again as a manual contribution.

Review primary and contingent designations, percentages, status, and last-confirmed date. Beneficiary data is planning information and should match the account documentation.

Property subtypes include Primary Home, Other Home, Investment Property, Land, and Other.

Details can include:

Purchase basis and timing can affect tax-planning findings. Linked mortgages should also exist as liabilities so net worth and debt payments remain accurate.

The field saves to the source Property record as you change it; there is no separate Save button. Updating Balance can change net worth, property equity, applicable Goal funding, Financials, Visualize views, and Guide components.

If the Balance field is disabled and labeled as linked, the value comes from the account connection. Refresh the linked institution instead of creating a second manual property or overriding the connection. If the expected Property record is missing, search existing linked and manual accounts before adding one so the home is not counted twice.

Annuity subtypes include MYGA, FIA, Variable, and Fixed products.

Details can include:

Use the annuity category when policy dates, surrender terms, and tax treatment matter. Do not represent the same annuity as both an Investment and an Annuity.

Business subtypes are Sole Proprietorship, LLC, Partnership, S Corp, and C Corp.

The balance-sheet Business asset records the household's ownership value. Confirm owner, value, titling, exclusion, and notes. When the asset is connected to a detailed Business planning record, confirm that the client-share valuation stays synchronized and is not counted twice.

Loan subtypes include Mortgage, Auto Loan, Student Loan, HELOC, and Other.

Base fields include name, owner, balance, institution, interest rate, payment amount and frequency, minimum payment, Paid in Full, Exclude From Plan, and notes.

Applicable loans can also include:

These details can produce Plan Cleanup or planning findings. Enter them when they affect the recommendation.

Credit Cards use the liability fields for owner, balance, institution, interest, payment, minimum payment, Paid in Full, exclusion, and notes.

Mark Paid in Full when the account remains part of the client record but no longer carries planning debt. Delete only when the record itself should be removed.

Selecting an account opens the quick editing experience for common fields. Investment and Property records can provide a full account page for holdings, savings, beneficiaries, mortgages, insurance, and other detailed sections. Use the full account view when a quick drawer does not show the detail you need.

The account category describes the financial record; it does not describe how the record entered Kerdora. The same Profile can contain:

Before adding an account, compare the institution, owner, masked identifier, subtype, and balance with existing records. A linked investment account and an extracted statement for that account are evidence about one asset, not automatically two assets.

When a linked balance or holding is stale, troubleshoot or refresh the connection. Do not create a manual copy simply to display a newer number. Use a manual record when the asset is not available from aggregation or when your documented workflow intentionally maintains it outside the connection.

Balance is not the only field that can become stale. Include these items in periodic client review when they are relevant:

Record the review status and last-confirmed date where Kerdora provides those fields. A complete-looking account can still produce a misleading plan when ownership or contribution information is old.

After creating a record, confirm its owner, subtype, tax treatment, balance, savings or payment frequency, and related assignments. Those choices determine how the account appears in Goals, Investments, Financials, Office, and Guides.