Retire Ready Solutions

What Retire Ready Solutions does

RetireReady Solutions develops and sells TRAK (The Retirement Analysis Kit), a retirement planning software platform built for financial advisors who serve 401(k), 403(b), 457, and federal employee retirement markets. The software combines pension benefit calculations, Social Security analysis, survivor option modeling, and retirement income gap projections into visually engaging client reports designed to convert sales-oriented conversations into educational engagements. RetireReady Solutions distributes the product through three vertically-aligned configurations: 401(k) Solutions, 403(b)/457 Solutions, and Federal Solutions, with the latter covering FERS, CSRS, TSP, FEGLI, and Federal Long-term Care.

The product is delivered in two formats: TRAK-Desktop, a Windows-based perpetual-license application (with annual updates), and TRAK-Online, a cloud-based annual subscription accessible on any internet-connected device. Underlying technical depth includes a proprietary library covering 700+ public pension plans with state-specific calculation rules (e.g., Oregon PERS IAP accounts, CalSTRS non-compounding COLA), updated annually. Core features include Social Security optimization scenarios, Roth conversion modeling, pension maximization analysis, paycheck calculators, and the generation of 13-15 page professional client reports with color-coded income projections.

The business model combines one-time license sales (TRAK-Desktop) and recurring annual subscriptions (TRAK-Online and support services), with a 30-day free trial as the primary acquisition mechanism. Go-to-market is hybrid: sales-led through industry events and direct advisor engagement, supplemented by product-led self-service registration and a referral channel via lead generation partner Lead Gen 4. The company remains privately held under founder Ed Dressel, with no disclosed institutional funding, no M&A activity, and a small team operating against a customer base described as "thousands of advisors."

Name

Retire Ready Solutions

Legal name

RetireReady Solutions

Website

https://retireready.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

RetireReady Solutions develops TRAK retirement planning software for financial advisors serving 401(k), 403(b), 457, and federal employee markets. The platform delivers pension calculations across 700+ public plans, Social Security optimization, and visual income gap reports via desktop and cloud delivery.

Ownership category

akta.pro rank

Product category

Retirement Planning Software

NAICS

Other Computer Related Services (541519)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Digital Retirement Platforms (IRA/401(k), Pension & Decumulation) (FSAGAEAF)

akta.pro secondary industry

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Retirement planning software
• Pension benefit calculations
• Financial advisor tools
• Federal retirement planning
• 401(k) retirement software

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. TRAK-Desktop Software License: Windows-based desktop software for retirement planning. Sold as perpetual license or subscription with annual updates
2. TRAK-Online Subscription: Cloud-based software subscription accessible on any internet-connected device, billed annually
3. Training and Support Services: Training videos, user manuals, email support, and phone support included with software subscriptions

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Retire Ready Solutions develops and sells TRAK (The Retirement Analysis Kit), a retirement planning software platform used by financial advisors to educate clients and illustrate retirement readiness. The product calculates pension benefits for 700+ public pension plans and federal systems (FERS, CSRS, TSP, FEGLI), performs Social Security optimization, income gap and pension maximization analysis, and generates visually engaging 13-15 page client reports. TRAK is offered in two delivery formats: TRAK-Desktop (Windows-based) and TRAK-Online (cloud-based subscription).

Product overview

Retire Ready Solutions offers TRAK (The Retirement Analysis Kit), a comprehensive retirement planning software platform for financial advisors. The product portfolio includes two primary delivery formats: TRAK-Online (cloud-based, accessible on any internet-connected device) and TRAK Desktop (Windows-based, also usable via Windows virtual machine on Mac). TRAK is designed to educate clients and transform retirement planning conversations from sales to education. The platform provides integrated benefit analysis across multiple retirement plan types including 401(k), 403(b), 457, TSP, IRA, and Roth plans. Retire Ready Solutions targets three primary market segments with specialized configurations: 401(k) advisors, 403(b)/457 advisors, and Federal retirement planners. The software is recognized for its ability to illustrate pension benefits, calculate income gaps, perform retirement income projections, and generate professional client reports.

Differentiator

Problem solved

Functional benefit

Brands

• TRAK (The Retirement Analysis Kit): Retirement planning software designed for financial advisors to help educate clients about retirement readiness
• TRAK-Online
• TRAK-Desktop
• Grow Retire Ready Clients

Products and services

• TRAK (The Retirement Analysis Kit) Comprehensive retirement planning software designed to help financial advisors educate clients and engage participants. TRAK provides visually engaging reports, integrated benefit analysis across 401(k), 403(b), 457, TSP, IRA, and Roth retirement plans, and supports interactive client meetings with real-time variable adjustments.
• TRAK-Online Cloud-based version of TRAK retirement planning software accessible on any internet-connected device. Offers the same pension calculations and reporting as the desktop version with the flexibility of web access, sold as an annual subscription.
• TRAK Desktop Windows-based desktop version of TRAK retirement planning software. Can run in a Windows virtual machine on Mac computers. Provides comprehensive pension analysis and integrated benefit calculations. Available as a 30-day free trial.
• 401(k) Solutions TRAK-powered retirement planning tools and configuration for 401(k) advisors focusing on participant education, personalized retirement planning, and comprehensive one-on-one retirement analysis.
• 403(b)/457 Solutions TRAK-based solutions for 403(b) and 457 plan advisors serving teachers, public employees, and non-profit organizations. Includes pension benefit calculations, survivor options analysis, pension maximization, and 403(b)/457 savings strategy illustration as part of holistic retirement planning.
• Federal Retirement Solutions Specialized TRAK configuration for federal employees including FERS, CSRS, CSRS Offset calculations, TSP integration, FEGLI, and Federal Long-term Care benefits analysis. Includes the TRAK Federal Gap Calculator used in advisor training programs.

Quantifiable outcome

• 42% close rate maintained while increasing client volume by 3-4x through efficiency gains
• +4 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

One partnership is on record.

• Lead Gen 4coreGTM or Marketing PartnerLead generation company that generates preset appointments for financial advisors in the 403(b) and federal employee markets. Headquartered in Henderson, Nevada with operations in Cincinnati, Ohio. Refers advisors to use TRAK software and has been recommending TRAK for many years due to its comprehensive pension calculations.

Scale indicators4 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• RightCapital: Cloud-native financial planning software for financial advisors with retirement income, Social Security, and tax planning modules. Directly comparable because it targets independent advisors seeking modern, browser-based retirement planning workflows.
• Boldin (formerly NewRetirement): Retirement planning software with deep pension, Social Security, and decumulation analysis. Directly comparable because it focuses on comprehensive retirement-income modeling for both consumers and advisors.
• MoneyGuidePro: Envestnet-owned goal-based financial planning platform used by advisors for retirement readiness and income projections. Directly comparable as one of the leading retirement-planning tools marketed to the same advisor buyer.
• eMoney Advisor: Fidelity-owned financial planning software for advisors, including retirement income, Social Security, and pension analysis. Directly comparable because it serves the same advisor-led retirement planning use case with broader wealth planning features.

Emerging players

• fpAlpha: Financial planning analytics software for RIAs and advisors, including Social Security and retirement income analysis. Comparable as an emerging point-solution in the same advisor planning ecosystem.
• Income Lab: Advisor-focused retirement income planning software built around decumulation scenarios. Comparable as a niche challenger focused specifically on retirement-income and withdrawal analysis rather than full financial planning.
• Holistiplan: Tax planning software for financial advisors, including Roth conversion and retirement tax-distribution analysis. Comparable as an advisor-targeted planning tool that overlaps with TRAK's Roth conversion and income gap features.
• FinanceLogix: Advisor-targeted financial planning, retirement projection, and what-if analysis software. Comparable as a smaller direct competitor serving advisors with retirement income and scenario modeling.
• Advicent (Figlo): Financial planning software for advisors and institutions across Europe and North America, with retirement planning modules. Comparable as an emerging planning-suite vendor competing for the same advisor segment.

Broad incumbents

• Orion Advisor Technology: Large advisor technology platform offering portfolio accounting, risk, and financial planning including retirement planning modules. Comparable as a broader incumbent that bundles retirement planning into an enterprise wealthtech stack.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/RetireReadySol
• Facebookfacebook.com/retirereadysolutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Retire Ready Solutions