Goals turns a client's priorities into funding targets and shows whether the current assets and monthly savings support them. Open Planning → Goals inside a client. Use the three workspace views—Goals, Goal Mapping, and Gap Analysis—as one connected process.
Create and review goals
Choose Add Goal and select:
Retirement for the household's retirement spending, income, taxes, assets, savings, and projection. One Retirement goal is available per household.
Education for a particular student's education period and funding target.
Liquidity for an emergency reserve.
Debt Payoff for a payoff strategy across selected liabilities.
Other for a custom amount, target date, and expected yield.
Complete the goal assumptions, then assign the accounts and monthly savings that fund it. The Goals table compares Assets today: Current / Fully funded and Monthly contributions: Current / Target.
Current assets and contributions come from the account assignments. If the amounts look wrong, review Profile and Goal Mapping rather than entering duplicate balances.
Use Goal Mapping
Open Goal Mapping → Assignments to allocate account balances and savings across goals. A fixed assignment commits an exact amount. A remaining assignment receives what is left after other fixed allocations.
Open Funding sequence to redirect portable monthly savings after a non-retirement goal is projected to remain funded. Send it to another goal or leave it as future unallocated cash. Choose the contribution tax treatment when Retirement is the destination.
Use Gap Analysis
Gap Analysis answers three questions:
Are current monthly savings enough for all goal targets?
Can the household's current cash flow cover the difference?
What would the monthly budget look like if every goal were fully funded?
In the proposed budget, the PLUG label means Spending is the balancing line Kerdora solves for. The amount is a planning comparison, not an automatic change to Profile.
Share goals with clients
Goals, Goal Mapping, Gap Analysis, and the detailed goal workspaces are advisor-only. Clients cannot edit them in the portal. Add the appropriate goal content and explanation to a Guide, preview it, and deliver the Guide. Use client tasks when the client needs to provide information or complete an action.
When a goal looks incomplete, check its required Profile data, assumptions, Assigned Accounts, and amount timing before changing the recommendation.