Changes records the recommendations and decisions that come out of the plan. Open Planning → Changes to organize them by category or timing, set target dates, link Tasks, and review completion.

A useful Change explains the intended future state. For example, “Increase Jordan's 401(k) contribution to 10% with the next payroll cycle” is clearer than “Review retirement.” Put the recommendation in the Change and the implementation steps in linked Tasks.

Use the Changes tab for recommendations you have adopted. Use Insights for Kerdora's rule-based findings. Insights includes To review, Added to Changes, and Dismissed tabs and three finding types: Suggested changes, Observations, and Reminders.

Review the source before adding an Insight to Changes. Use Office → Plan Cleanup for missing or inconsistent data.

Insights are grouped into Insurance, Cash Flow & Goals, Investments, Tax Planning, and Estate & Beneficiaries. Expand a finding and use Open details when available. Confirm balances, ownership, dates, frequency, Goal assumptions, policies, holdings, and scenario inputs before adopting the finding.

Choose Add to Changes for a finding you have reviewed and accepted. Select a visible category, rewrite the recommendation, and set an optional target date. Dismiss an inapplicable finding; restore it later if the client facts change. Reminders are review prompts and cannot be converted directly.

A Change describes what should be different. A Task describes the work someone must do. Link advisor and client Tasks to a Change when the relationship is useful.

Mark the Task complete when the work is done. Mark the Change complete when the recommendation or intended result is confirmed.

Use the category view for a planning-area review. Use By Timing and the horizon filters for meeting preparation and implementation work. The status filters let you review Not Completed and Completed items. Show hidden reveals hidden categories without deleting or changing their contents.

Before completing a Change, confirm the result, linked Task status, source record, and client presentation. Completed Changes remain available as plan history. Delete only when the item should not remain as a recommendation or historical record.

Clients do not see the advisor Changes workspace or Insights. Add the appropriate Changes component to a visible Guide and preview its categories and statuses. Client-assigned Tasks appear in the portal Tasks area.

Write Changes in clear client-ready language, use realistic target dates, and keep internal recommendations out of the delivered Guide.

Before delivering the Guide, check the selected categories and statuses, read each recommendation from the client's perspective, and verify client Tasks separately. Clients do not see dismissed Insights or the advisor review workspace.