Kerdora's methodology connects the household's current financial facts to Goals, analysis, recommendations, and implementation. The purpose is not only to produce a projection; it is to help the client understand the plan and know what to do next.
The core planning questions
The methodology asks whether the client can clearly understand:
the purpose of the money;
where income is going;
what the household owns and owes;
whether enough cash is accessible;
whether savings are sufficient;
whether major losses are insured or otherwise supportable;
whether estate outcomes match the client's intent;
how major financial threats can affect the plan;
whether investment risk fits the purpose and time horizon;
whether debt, insurance, or Taxes create avoidable cost;
whether disability or unemployment can be absorbed; and
what the client needs to do next.
These are conversation prompts, not a claim that one screen or ratio proves a comprehensive plan. The advisor decides which evidence and professional review each answer requires.
Build from the client file
Profile, Documents, linked accounts, extracted assumptions, and advisor entries create the planning record. Financials summarizes that record. Planning modules test Goals and topic-specific decisions. Visualize helps the advisor see relationships across the system.
Data quality comes first. Missing ownership, frequency, balances, dates, or classifications can weaken every downstream result.
Use Goals to define success
Goals establish the timing, amount, priority, and funding purpose of the plan. Goal Mapping connects accounts to purposes; Gap Analysis helps explain where resources and savings support the Goals and where gaps remain.
Retirement adds a long-term projection with Planned and Sustainable perspectives. The model is sensitive to spending, Social Security, portfolio, savings, taxes, and timing. It is a planning framework, not a guaranteed outcome.
Turn analysis into decisions
Planning modules and Insights surface relationships worth reviewing. The advisor confirms the source, tests assumptions, and decides whether the finding becomes an adopted Change.
Changes record what should be different. Tasks record who must do the work. This separates the advice from its implementation steps and preserves progress over time.
Recommendations often fall into five broad action families: accounts to open, close, or restructure; cash-flow changes; insurance changes; investment-allocation changes; and documents or procedures to complete. Kerdora's current Change categories can be customized, so practices do not have to preserve those exact labels to use the action framework.
Deliver the plan
Guides combine live plan components, advisor explanation, Changes, and Tasks into the client-facing story. The client portal keeps visible Guides, data interactions, documents, Tasks, Spending, and Investments available between meetings.
Review continuously
The plan changes when client facts, markets, laws, timing, or decisions change. Use Office Home, Plan Cleanup, Financials, Insights, Changes, and periodic Guide review to keep the record and recommendations current.
The advisor remains responsible for judgment, communication, and coordination with tax, legal, insurance, and other professionals. Kerdora organizes and calculates the plan; it does not replace those professional roles.