Tax Plan turns the selected tax scenario's opportunities into a reviewed strategy. Open Planning → Taxes → Plan to choose a base scenario, investigate opportunities, model selected moves in order, save the combined plan as a new scenario, and create client-facing Changes.

Older Kerdora articles may call this workflow Plan Zone. The current page and navigation label are Tax plan and Plan.

Tax Plan prices opportunities from a selected base scenario and the household data available for that tax year. Before acting on an opportunity, confirm:

Tax Plan can work from a manually created scenario; a filed return is not required. When a return exists, compare important inputs with the source before treating the scenario as a baseline.

Use the Base scenario selector at the top of Planning → Taxes → Plan when the client has more than one scenario. The selected scenario name, tax year, and filing status appear beside it.

Select Open current scenario to inspect or correct its Inputs and Advisor Analysis. Select Compare scenarios to review alternatives side by side.

Changing the base scenario can change the position metrics, opportunity queue, suggested amounts, and estimated tax effects. Confirm the base before adding moves or presenting the plan.

The Tax Plan opportunity queue has three saved filters:

Each row can show a title, evidence, estimated tax change, modeled amount, review status, and a Details section with the explanation, advisor action, missing inputs, and Include in client report control.

Treat an opportunity as a question to investigate, not an automatic recommendation. The rules can surface a mathematically available move without knowing every cash, investment, benefit, legal, family, or implementation constraint.

The current Tax Plan does not use the older Model moves, Review brief, Manual levers, category-sort, or tax-bridge controls. Use the Open/In plan/Dismissed queue, the expandable Details section, and This year's plan instead.

Select the row's Dismiss control when an opportunity is inapplicable or intentionally deferred. Dismissing a move also removes it from this year's plan so it no longer affects the modeled total.

To undo the decision, select the Dismissed filter, find the row, and use Restore. Restoring returns the opportunity to the active queue. Neither action changes the base scenario's tax inputs.

Add to plan places a modelable opportunity in This year's plan, where its amount and tax effect contribute to the combined strategy. Include in client report controls whether the reviewed opportunity belongs in the tax report output.

These decisions are separate. An advisor can model an opportunity without including it in the client report, or include a review item in the report without modeling a dollar amount. Use the report control only after deciding the item belongs in the client story.

Select Add to plan on a modelable opportunity. The move appears in This year's plan and is priced on top of the entries already above it.

For each plan entry, the advisor can:

The Plan tax change is the combined result of the stack, not the sum of isolated marketing estimates. A move can consume bracket room or change another move's effect. Review the order, amounts, and running result when the combined effect is surprising.

Some review-only opportunities cannot be priced by the tax engine. Tax Plan can retain them for advisor judgment or reporting, but it does not invent a modeled tax amount.

Tax Plan shows the base total tax, combined planned tax change, queue counts, all-in effective rate, federal marginal rate, combined marginal rate, and safe harbor target when available. It also retains the selected opportunity evidence and missing-input prompts.

A “Saves” result means the modeled scenario produces lower tax under the entered assumptions. A “Costs” result means the modeled scenario produces higher tax. Neither label determines whether the move is advisable.

Review cash needs, investment exposure, contribution limits, income thresholds, Medicare or benefit effects, estate objectives, legal constraints, deadlines, and execution risk where relevant. Coordinate material strategies with the client's tax professional.

No. Save as scenario duplicates the base scenario, applies the combined plan inputs to the copy, and leaves the base scenario unchanged.

After saving, open the named scenario from Tax Plan or Scenarios and verify the tax year, inputs, and result. Use Compare to isolate the difference from the baseline. Saving a scenario models the plan; it does not implement a contribution, conversion, election, payment, or other real-world action.

Create changes starts a review flow for plan entries that have not already been converted. For each move, the advisor:

Converted entries remain in This year's plan and show their converted status. The Change is the advisor's record of the adopted recommendation. Add Tasks for document collection, professional coordination, calculations, elections, contributions, transactions, or other implementation work.

Mark a Change complete only after the intended action or decision is confirmed. Completing a Task does not, by itself, prove that the tax strategy was implemented.

Use this sequence for a complete Tax Plan review:

The workflow is complete when the source scenario is correct, the modeled plan is reproducible, the saved alternative has been verified, and adopted recommendations have clear owners and next steps.

Tax Plan does not prepare or file a tax return, guarantee tax savings, replace professional tax advice, implement an opportunity, or monitor an external transaction after it leaves Kerdora. It does not make every surfaced opportunity appropriate for the client.

If an opportunity or result looks wrong, confirm the base scenario, tax year, filing status, income, deduction, contribution, payment, and source data. Remove the move, correct the source scenario, and add it again when needed. Contact Kerdora Support with the household, scenario name, tax year, opportunity title, expected result, visible result, and approximate time when the issue is reproducible.

Clients do not receive the advisor's Tax Plan queue or scenario controls in the portal. Use the tax report output or applicable Guide components to explain reviewed conclusions. Include the selected recommendation, modeled effect, important assumptions, limitations, professional coordination, and next action—not the advisor's entire opportunity queue.