The Planning workspace is where an advisor turns saved client data into analysis, decisions, and Changes to Be Made. In the current Kerdora platform, Planning includes Goals, Spending, Investments, Insurance, Taxes, Estate, Business, and Changes.

Financials and Visualize are separate top-level client workspaces. Clients do not receive the advisor's Planning modules or assumption controls in the portal; the advisor delivers reviewed conclusions through client-visible Guides, Changes, and Tasks.

Planning uses the household, account, cash-flow, insurance, document, and other client facts saved in Profile and Documents. Complete the material client setup first, resolve important Plan Cleanup issues, and then open the Planning module that answers the current question.

A reliable planning sequence is:

The modules can be used in any order. Goals often comes first because targets and funding priorities affect later decisions, but an advisor can start with a time-sensitive tax, insurance, estate, spending, investment, or business question.

Planning → Goals answers whether the household's goals are funded and how accounts and cash flow support them.

Confirm the Goal owner, purpose, target, timing, assigned accounts, contributions, spending assumptions, income timing, and return assumptions. A surprising result often comes from an unassigned account, missing contribution, wrong frequency, timing mismatch, or an assumption inherited from Profile.

Use the applicable Goal detail article for calculator-specific inputs and outputs. The Planning overview does not replace the full retirement, education, liquidity, debt-payoff, or other Goal workflow.

Planning → Spending is the transaction-level workspace for actual account activity. It is marked Beta and includes Transactions, Cash Flow, Categories, Tags, and Rules.

Planning → Spending is separate from Profile → Cash Flow. Profile holds recurring planning assumptions entered for the household; Spending analyzes actual imported or linked transactions. Cleaning actual transactions does not automatically rewrite the forward-looking Profile assumptions.

Planning → Investments evaluates the portfolio, target structure, and fit with the household's Goals and time horizons.

Confirm which accounts are included, the assigned Goals, holdings, classifications, tax status, time horizon, and selected target. Missing or unclassified holdings can distort allocation and comparison results. The client portal can expose a separate read-only Investments view, but the advisor controls and planning assumptions remain advisor-side.

Planning → Insurance compares current coverage with modeled needs and opens the applicable insurance calculators.

The module groups coverage into Income Protection, Property & Liability, and Other Coverage. It can include life, disability, homeowners, liability, long-term care, health, and auto coverage. Current-versus-target progress is available for applicable coverage types, and the advisor can open the supporting calculator or Policy Summary.

Confirm the insured person or property, policy details, benefit, premium, term, existing coverage, and needs-analysis inputs. An insurance gap is a planning estimate, not an insurance quote or underwriting decision.

Planning → Taxes supports tax-return intake, scenario modeling, analysis, comparison, and the Tax Plan opportunity workflow.

Confirm the tax year, filing status, state, household facts, income, deductions, payments, and source return before interpreting results. Tax Plan is a planning model; the advisor should coordinate material tax strategies with the client's tax professional.

Planning → Estate organizes the household's estate plan status and important records. The workspace includes the estate plan view, document register, beneficiary designations, and key contacts, with prompts for missing or incomplete information.

Use Estate to capture and review what exists, who serves in key roles, how beneficiary designations are recorded, and which documents require follow-up. Kerdora does not create legal documents or replace an attorney's legal advice. Record the planning decision and coordinate drafting or amendment with qualified counsel.

Planning → Business records business interests and their planning impact. An advisor can create a new business or connect a Business asset to a planning record, then review entity type, ownership, revenue, EBITDA, owner cash flow, valuation, debt, other assets, concentration, and exit intent.

Confirm whether the business balance is linked or manually valued and distinguish total business value from the client's ownership share. Business valuations and exit proceeds are planning assumptions unless supported by a current professional valuation and transaction analysis.

Planning → Changes turns analysis into an advisor's record of what should change. Changes holds adopted recommendations and their status, timing, assignment, and client-visible description. Insights surfaces possible planning findings for advisor review.

An Insight is not automatically a recommendation. The advisor reviews the underlying facts and can convert an applicable Insight into a Change. Use Tasks for the smaller execution steps required to complete a Change.

Clients can see a Change when it is included in a visible Guide or otherwise assigned through the client experience. Clients can mark an exposed Change complete, so the advisor should use clear client-facing language and verify completion before treating the recommendation as implemented.

Planning contains the advisor's analysis and assumption controls. Financials summarizes the household's current financial picture. Visualize helps the advisor explore relationships and can open limited quick-edit controls for supported account fields. Guides is the client-delivery workspace.

Use Planning to decide, Financials and Visualize to understand or explain, and Guides to curate what the client receives. Do not assume that a Planning screen is client-visible simply because the same source data can appear in a Guide.

When a Planning result looks wrong, check the source before changing the output:

The advisor knows the review is complete when the source facts are correct, the result responds predictably to a tested assumption, the adopted recommendation is recorded, and the client-facing explanation has been previewed.

The Planning workspace does not replace advisor judgment, guarantee an outcome, prepare or file a tax return, draft legal documents, issue insurance coverage, execute trades, or implement a Change. It also does not make the full advisor workspace visible to clients.

Use qualified tax, legal, investment, and insurance professionals where implementation or professional advice requires them. Keep unreviewed scenarios, Insights, and internal analysis out of client-visible Guides.