Use Profile → Household to define the people and legal entities in the client file, manage household-level settings, and control adult portal access. Household data affects ownership, Goals, Taxes, Insurance, Estate planning, Tasks, and client access, so set it up before relying on those areas.
Household information
Review the household-level fields, including:
Household Name — the name shown throughout the client file;
State — used by applicable tax analysis;
Tax Filing Status — the household filing assumption; and
Giving — whether Giving appears in Cash Flow.
Use the client settings and Household record to confirm the current planning assumption. A household-level setting should describe the household, not one individual account.
Adult
Adults are the people whose ages, employment, income, retirement timing, life expectancy, insurance needs, estate roles, and portal access can affect the plan.
Add each adult separately and confirm the available identifying and planning fields, including name, birthday, and sex. Do not combine a couple into one adult record; separate records are required for owner-specific income, accounts, timing, and portal logins.
Adults can also have estate decision-maker roles, such as financial power of attorney, healthcare proxy, executor, and successors. Review those roles in the Estate planning experience and confirm that named people match the client's documents.
Only adults receive portal invitations from the household invite list.
Child
Add a child when the person's age, dependency, education planning, estate planning, or household context matters.
The child record includes the name, birthday, and sex fields available in the form. You can choose to create an Education Goal when adding the child. The Goal is a separate planning record linked to the student; creating the child does not by itself fund that Goal.
If an Education result looks wrong, confirm the child's birthday and the Goal's start age, end age, cost, funding percentage, inflation, assigned savings, contributions, and return.
Business
Add a Business entity when the household owns or controls a business that should appear in ownership and planning. A Business entity can be available as an owner where the selected account subtype supports business ownership.
The household Business entity and a Business asset or Planning Business record serve related but distinct purposes. Confirm the ownership entity, the balance-sheet value, and any detailed business-planning valuation so the value is not duplicated.
Trust
Add a Trust entity when a trust needs to own eligible accounts or appear in Estate planning. Trust-owned investment subtypes require a Trust owner; an adult should not be selected merely because that person is the trustee.
Detailed trust information can include trustee, successor, beneficiaries, and funding status in the Estate planning experience. Confirm the legal documents before entering those roles.
Add a member or entity
Open Profile → Household.
Choose Add Member.
Select Adult, Child, Business, or Trust.
Complete the required fields.
For a child, decide whether to create an Education Goal.
Confirm the new record in the household list.
Plan Setup also provides Household and People steps for initial setup. Those steps write to the same household records.
Edit a record
Use the Household controls to update the person or entity. After changing a birthday, owner-related fact, state, or filing status, review the downstream planning area that depends on it.
Do not override every Goal or tax scenario when the underlying household fact was wrong. Correct the household record and then confirm the recalculated result.
Delete or reassign safely
Kerdora protects relationships between entities and other client records. The last required adult cannot simply be removed, and an entity that owns or is referenced by records can require reassignment.
Before deleting an adult, child, Business, or Trust:
identify owned assets and liabilities;
review income and insurance ownership;
check linked Goals, Tasks, education records, and estate roles;
choose the correct new owner or joint treatment where offered; and
confirm that portal access is no longer needed.
Reassignment changes ownership. Do not choose the remaining adult as a convenience if the client documentation says an asset belongs to a Trust, Business, or joint owners.
Ownership rules
Available owners depend on the account subtype.
Individual retirement, tax-advantaged, and custodial accounts require an eligible individual owner.
Eligible taxable accounts, bank accounts, property, annuities, liabilities, and business records can offer joint or entity ownership where supported.
Trust investment subtypes require a Trust entity.
Some taxable bank or investment accounts can be owned by a Business.
Choose the subtype first so the owner list can enforce the relevant options. If the expected owner is missing, check the account subtype and confirm that the Household entity exists.
Portal access
Each adult has a separate portal-access row and signup link. Choose Guided Onboarding or Straight to Guides, copy that adult's link, and send it yourself. After signup, the row shows the linked email. Use Revoke only after confirming the exact person and relationship.
Children, Businesses, and Trusts do not use these adult portal invitations.
How Household affects the plan
Goals uses adult timing and child education relationships.
Retirement uses each adult's retirement timing and the household plan horizon.
Taxes uses state, filing status, dependents, and owner-specific income.
Insurance uses adult age and income and links policies to insured people.
Accounts and Cash Flow use entity ownership.
Estate uses adults, entities, decision makers, documents, and ownership.
Tasks can be assigned to the applicable people.
Portal access is linked to the individual adult.
When a downstream result looks wrong, confirm the Household record, ownership, and dates before changing the planning assumption.