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Accounts & holdings

This page lists your household’s accounts, debts, pensions and military retired pay. Open it at Accounts & holdings.

What the page shows

Short answer: Every open account and debt, grouped by kind, with its value, owner and source.

Steps

  1. Select “Accounts & holdings” in the menu.
  2. If you belong to more than one household, pick one under “Household”.

What you’ll see / what it means

  • “Accounts” and “Debts”: the totals of your open accounts and your debts.
  • “Totals don’t include pensions or military retired pay.” Those have their own sections.
  • Groups: “Cash and savings”, “Tax-deferred retirement”, “Roth”, “Taxable investments” and “Debts”.
  • Each row shows the kind, the owner (or “Joint”) and the source. “From” and a bank’s name means linked. “Your entry” means you added it.
  • Amounts carry a date, such as “as of Oct 2, 2026”. “No value yet” means no value has arrived.
  • A debt shows its payment and rate, such as “$35.00 a month · 24.99% a year”. “estimated” means they aren’t confirmed yet.

If that didn’t work… “No accounts yet.” means nothing is added yet.

Short answer: Premium and Premium+ households can link accounts so balances update by themselves. Essential households add accounts by hand.

Steps

  1. Under “Link an account”, select “Bank or credit card” or “Investment or retirement account”.
  2. Read “Before you connect”, then select “Continue to Plaid”.
  3. Sign in to your institution in Plaid’s window and choose the accounts to share.

What you’ll see / what it means

  • PlanHarbor never sees your password and can’t move money.
  • A message such as “Linked …: 5 accounts and 3 cards or loans added. Holdings and transactions are still loading.”
  • “Updating …” shows while the rest loads. New numbers then appear by themselves.
  • “Not added (you’ll be able to add these by hand):” lists skipped accounts, such as “Business accounts aren’t included.”
  • Check each new account’s owner with “Change owner”.

If that didn’t work…

  • “Linking accounts is part of Premium and Premium+.” Your household is on Essential. Use “Add an account” instead.
  • “For your security, confirm it’s you to continue.” Sign in again, then try once more.
  • “Plaid couldn’t be reached. Try again in a few minutes.”
  • “… is already linked. To add accounts from it, choose Reconnect.”

Short answer: “Linked institutions” lists each connection. “Reconnect” appears when one needs you. “Unlink” stops updates.

Steps

  1. Find “Linked institutions” at the bottom of the page.
  2. Select “Reconnect” and sign in again in Plaid’s window.
  3. Or select “Unlink”, then “Unlink” again to confirm.

What you’ll see / what it means

  • “Connected · updated Oct 2, 2026” means it is working.
  • “… needs you to sign in again. Choose Reconnect.”
  • After reconnecting: “… is reconnected. Its accounts are being refreshed.”
  • After unlinking, its accounts and debts stay as your own entries and stop updating. Loaded transactions stay too.

If that didn’t work… “…’s holdings couldn’t be loaded yet. PlanHarbor tries again at the next daily refresh.” needs nothing from you. If a problem keeps coming back, contact support.

Needs your review

Short answer: This box lists guesses your plan relies on. Confirm or correct each one.

Steps

  1. Find “Needs your review” near the top of the page.
  2. Answer each question with “Confirm” or an answer button.
  3. Select “Update my plan” on Harbor View to use your answers.

What you’ll see / what it means

  • A holding’s class: “PlanHarbor guessed …”. Pick from “What kind of investment is it?”, then “Confirm”.
  • Card or loan terms: “PlanHarbor estimated the monthly payment and the rate. Are they right?” Fix “Monthly payment ($)” and “Rate (% a year)”, then “Confirm”.
  • “Is this the same account?” After you link an institution again, “Kept from before” sits beside “Linked now from …”. Select “Yes, the same” to merge them, or “No, keep both”.
  • Each saved answer ends with “Choose Update my plan on Harbor View to use it.”

If that didn’t work…

  • “These can’t be combined: a Roth conversion in your plan uses the linked account with another owner. Change that conversion first.”
  • “That question was already answered or no longer applies.” Nothing more is needed.

Change an owner

Short answer: Each account and debt belongs to one person or is joint.

Steps

  1. On the row, select “Change owner”.
  2. Pick a person or “Joint”, then select “Save”.

What you’ll see / what it means A message such as “Roth IRA now belongs to Julie.” Retirement accounts have no “Joint” choice.

If that didn’t work… “A retirement account belongs to one person. Choose who owns it.”

Add, edit or close an account by hand

Short answer: Add any account yourself, edit your own entries, and close one that no longer exists.

Steps

  1. Select “Add an account”.
  2. Fill in “Name”, “Kind of account”, “Owner”, “Value ($)” and “Value as of”.
  3. A CD also needs “Rate (APY, % a year)”, “Opened on” and “Matures on”.
  4. An investment account needs a “Mix by asset class” adding up to 100%. Use “Add an asset class” for more lines.
  5. Select “Save”. Later, use “Edit” on the row, or “Close account” in that form.

What you’ll see / what it means

  • “Adds up to 80% (needs 100%)” shows until the mix is complete.
  • Linked accounts, and accounts with their own list of holdings, show “Rename” instead. Only the name can change.
  • A closed account leaves this page and your plan from today.

If that didn’t work…

  • “Choose each asset class once, with percentages that add up to 100.”
  • “Enter a value above $0. If the account is empty, close it instead.”
  • “Your plan still uses … for …, so it can’t be closed yet.” Remove that use from your plan first.

Add, edit or pay off a debt by hand

Short answer: Add a debt with its balance, payment and rate. Mark it paid off when it’s gone.

Steps

  1. Select “Add a debt”.
  2. Fill in “Kind of debt”, “Lender or name”, “Owner”, “Balance ($)”, “Balance as of”, “Monthly payment ($)” and “Rate (% a year)”.
  3. Select “Save”. Later, use “Edit” on the row, or “Mark paid off” in that form.

What you’ll see / what it means A paid-off debt’s balance becomes $0. It leaves this page and your plan from today. Linked debts have no “Edit”.

If that didn’t work… “Enter the balance in dollars and cents, like 2500.00.”

Add a pension or military retired pay

Short answer: Add each one as a monthly amount. Your plan uses the newest figure.

Steps

  1. Select “Add a pension” or “Add military retired pay”.
  2. Fill in “Name”, “Whose is it” and “Status”: “Not paid yet” or “Being paid now”.
  3. For a pension, set “Yearly increases (COLA)” and “Survivor share (%)”.
  4. Enter the monthly amount, “Date of the statement or estimate” and “Where the amount comes from”.
  5. If it isn’t paid yet, set “Payments start”, “The amount is” and “It counts”.
  6. Select “Save”.

What you’ll see / what it means

  • The form reads it back, such as “$2,400.00 a month at 60, in today’s dollars, for what you’ve earned so far.”
  • The survivor share is the part that continues to your spouse after your death.
  • A lump sum offer is shown for comparison only. Your plan uses the monthly benefit.
  • Rows show the status (“Not paid yet”, “Being paid” or “Ended”) and source (“Plan statement”, “Your estimate” or “PlanHarbor estimate”).

If that didn’t work…

  • “That’s well above your current pay. Is that right?” Tick “Yes, that amount is right”, then select “Save”.
  • “Enter the age payments start, or a start date — one of the two.”

Statements, history and review questions

Short answer: Add each new statement as it arrives. Earlier figures stay in the history.

Steps

  1. On the row, select “Update from a new statement”.
  2. Enter the new amount and its date, then select “Save”.
  3. To see earlier figures, select “History”, such as “History (2)”.

What you’ll see / what it means

  • “Edit” changes details such as name or status. The amount changes only through a new statement.
  • “Update … from your latest statement” appears when the figure is over a year old.
  • “Confirm … with a plan statement” appears when the amount is an estimate.
  • “Has … started paying?” appears once the start has passed. Select “Yes, it’s being paid” and enter what it pays now. Or select “Not yet” to enter a newer figure.

If that didn’t work… “There’s already a statement with that date. Use a newer date.”

Military retired pay: PlanHarbor’s estimate, SBP and BRS

Short answer: Enter your “Military details”. With no statement yet, PlanHarbor can fill in an estimate.

Steps

  1. In “Add military retired pay”, choose “Retirement system” and “Served in”.
  2. Enter years of service (or retirement points), base pay and “Left the service on”.
  3. With “Status” at “Not paid yet”, select “Estimate my retired pay”. The amount and start fill in.
  4. Set “Survivor Benefit Plan (SBP)” and, for BRS, “BRS lump sum”.
  5. Select “Save”.

What you’ll see / what it means

  • The amount shows as “PlanHarbor’s estimate” until a statement replaces it. Typing over it makes it “My own estimate”.
  • With SBP, the person covered receives 55% of the base amount each month for life after your death. A premium comes out of your retired pay meanwhile.
  • A BRS lump sum pays part of your retired pay up front. Monthly pay is 25% or 50% lower until the month after you reach 67.
  • If your figure is already reduced, tick “This figure is already reduced for the lump sum”. The form shows the full amount saved.
  • VA compensation, CRSC and a former spouse’s share are “Not used in your plan yet.”

If that didn’t work…

  • “PlanHarbor doesn’t estimate disability retired pay (Chapter 61).” Enter the figure from your retirement paperwork.
  • “Enter the date you leave (or left) the service.”
  • “That estimate doesn’t match the military details. Estimate again, or choose My own estimate.”

View-only access

Short answer: You can see everything on the page but change nothing.

What you’ll see / what it means

  • No link, add, “Edit”, “Change owner”, “Reconnect” or “Unlink” buttons appear.
  • “Needs your review” shows its questions with “An owner or member of the household can confirm them.”
  • You can still open each pension’s “History”.

If that didn’t work… “You have view-only access to this household.” Ask the household’s owner.

Last reviewed October 7, 2026. PlanHarbor gives information, not investment, tax or legal advice.