Retirement Plan Tracking is for an advisor who helps clients plan for retirement and wants one page per client that answers four questions: which accounts do they hold, who are the beneficiaries, what did they agree to contribute, and when did we last go through it all together. The app tracks the plan. It never holds a balance.
What it is
A plan belongs to one client and carries the client's birth date, an optional spouse or partner with their birth date, a target retirement date or age, a target monthly income the two of you wrote down, and how often you review. Under the plan sit the client's accounts, the beneficiaries on each account, the contributions the client agreed to make, the reviews you have held, and your notes. From the birth dates the app works out the milestones that matter, and from the review cadence it works out when the next review is due and which beneficiaries have gone too long without being confirmed.
Clients come from the same records the Customers app keeps, so a client you already know is one pick away and there is no second address book.
What it is not
It is not an account aggregator, a portfolio tool or a projection engine. There is no field for a balance, a rate of return or a full account number, on purpose. The custodian's statement is the record of what an account holds; this app is the record of what you and the client decided and when you last checked. Keeping balances out also keeps the most sensitive numbers out of a shared workspace.
Where to find it
Open it from My Apps, or go straight to https://www.allinoneforprofit.com/retirement-plans/. It is part of All In One For Profit Complete, for businesses, and it is on for every Complete business. AIOFP Essentials does not include it, and a nonprofit organization does not see it.
The dashboard and the list
The dashboard opens on five numbers: active plans, reviews due, accounts whose beneficiaries need confirming, milestones inside the next twelve months, and agreed contributions nobody has checked on this quarter. Click any number to see the plans behind it. Below the numbers, Waiting for you lists the most pressing items across every client, each with an Open button. Plans is the full list, with filters for active, paused and closed plans, a second row of filters for what each plan needs, and a search box for a client or household.
Starting a plan
Choose New plan. Start typing the client's name and pick them from the list; their email fills in if Customers has it. Enter the birth date carefully, because every age milestone counts from it. Add the spouse or partner and their birth date if the household plans together. Set a target retirement date or a target age, and the monthly income the client hopes to have, if you have talked about it. Choose the review cadence: every year, every six months or every quarter. Save, and the plan opens.
Accounts and beneficiaries
Choose Add account on the plan for each account the client holds: the type (401(k), Roth IRA, pension, HSA and so on), the custodian, the last four digits, the employer for a workplace plan, the year it was opened and what it is for. The app accepts only the last four digits of an account number, so there is no way to store the full number by accident.
Under each account, Add beneficiary records a name, the relationship, whether the person is primary or contingent, a share in percent, and the date the client last confirmed it. An account with no beneficiary, or with a confirmation older than your review cadence, is flagged. When the client confirms everything at a review, one press of Client confirmed everything today stamps every beneficiary and account on the plan with today's date; the link beside each account does the same for that account alone.
Agreed contributions
A contribution here is what the client said they would put in: an amount, how often (per paycheck, monthly, quarterly, annual or one time), where it comes from (payroll, a transfer, an employer match), which account it goes into, and when it starts and ends. It is a promise to check on, not a record of money received. When a contribution has had no note for a quarter, the plan flags it so you remember to ask whether it is still happening. The Note button beside a contribution records that you asked, and clears the flag.
Milestones
From the client's birth date the plan lists the dates that change what the client can do: catch-up contributions, penalty-free withdrawals, the earliest Social Security claiming age, Medicare enrollment, full retirement age for the client's birth year, the last year delayed credits accrue, and the age required minimum distributions begin. Milestones that already passed are shown in gray. A milestone inside the next twelve months is flagged on the plan and on the dashboard, and inside three months it is marked due.
Each line names the rule it came from and that rule's source, so anyone reading the plan can see why the date is what it is. When a client reached the age before the rule's law took effect, the milestone sits on the day the law started and says so, since that is the day it began to apply to them.
Milestone rules
Milestone rules holds the list the platform ships with. Each rule has an age in years and months, which birth years it applies to when the law phases in by cohort, the date it took effect, and the law or notice it comes from. The ages live here as data rather than inside the software, so when Congress changes an age, the fix is an edit to the rule, not a new version of the app.
Edit any rule and the change applies to your organization only, marked Your rule; Use default puts the platform's version back. Add a rule of your own for anything the list does not cover, for instance a state pension age or a firm policy. Turn a rule off and it disappears from every plan.
Reviews
Schedule sets the plan's next review date. Book the meeting itself in Appointments. When you have met, Record a review keeps the date, what you covered, what was decided and what happens next. Saving a held review moves the next review date forward by your cadence, or to a date you name. The plan is flagged when the next review is due, and marked soon within thirty days of it.
What needs you
| Flag | Why it appears | How it clears |
|---|---|---|
| Review due | The next review date has arrived, or falls within thirty days, or was never set | Record a held review, or schedule one |
| Beneficiaries | An account has no beneficiary, or its beneficiaries were last confirmed longer ago than your review cadence | Add the beneficiary, or press Confirmed today after the client confirms |
| Milestone | A milestone falls inside the next twelve months | It clears once the date passes; add a note about what you told the client |
| Contribution | An agreed contribution has had no note in the last three months | Press Note beside it and record what you learned |
Notes and the printed summary
Notes are a running record on the plan: what you heard, what you said, what to remember. Mark a note Confidential and it stays off the printed summary and the exports, though everyone in your organization who can open the plan can still read it here. A Consultant, such as your outside advisor, sees only the confidential notes they wrote themselves. Print summary on the plan prints the accounts, beneficiaries, agreed contributions, milestones and reviews as one clean document for the client folder, with the flags and buttons left out.
Export
Export offers four spreadsheet files: plans, accounts, beneficiaries and reviews. The beneficiaries file, with each confirmation date, is the handy one for an annual confirmation mailing. None of the files contains a balance, because the app has none to give.
Your first plan
- Open Milestone rules and read the list with your compliance team. Change or turn off anything your firm handles differently.
- Choose New plan, pick a client, enter the birth date, and save.
- Add each account the client holds, then the beneficiaries on each one, with the date the client last confirmed them.
- Add what the client agreed to contribute.
- Look at the milestones and the Needs you box, then schedule the first review.
Access and privacy
Plans are scoped to your organization. Every member with access to the app sees every plan; a view-only member can read but not change anything. The app stores names, dates, account types, custodians, the last four digits of account numbers, agreed contribution amounts and your notes. It stores no balances, no Social Security numbers and no full account numbers, and it has no field that would accept them. The record of what each account holds stays with the custodian.
Your advisor's seat (added October 11, 2026). A Consultant reads every plan and changes nothing until you hand them the pen. To let your financial advisor record reviews and notes, open the Team page at https://www.allinoneforprofit.com/team/, set their Access to Consultant, tick Retirement Plan Tracking in the panel "Let this consultant edit, on your behalf", and save. They can then add and update plans, accounts, beneficiaries, agreed contributions, reviews and notes. They cannot delete anything, cannot change the milestone rules, and cannot read a confidential note someone else wrote. You can withdraw the grant in one click.