When members have a wide age gap, it is worth considering a few options prior to exhibiting their Retirement Funding goal. The above video illustrates one example of how to handle retirement funding for a couple that is 5 years apart. The example has very few assets for clarity. Though not an all-inclusive list, here are some things to consider for your client conversation:
When does Retirement begin? Does it begin with the elder or the younger?
Our template defaults to the eldest member's retirement age set in your Target-Map Preferences. Customize the age/date to the specific situation within the Target-Map.
When does retirement end? Does this plan end with the elder or the younger expring first?
Does it end with the eldest member or the survivor who is younger? Adjust accordingly in the What you Want page.
What happens to funding resources when the eldest member becomes deceased?
Do certain cash flows end? Are resources transferred? Are pensions transferred to the younger or do they stop?
Should earned income of the younger be considered for funding the retirement scenario?
If so, ensure the start year of the cash flow begins at the year when the project begins.
If the younger is contributing to a retirement account and you are applying their earned income from the year the project starts, change the gross amount of the earned income in the Target-Map's What you have page to accomodate for the annual contributed amount so as not to double-count the earned income.
Of course, all of these considerations must be clarified with your client and fall within your guidelines for compliant and wholistic planning. Reach out to our Support Team if you'd like a case review.
2/2026