For...

Start age

The start age of the project is the earliest start age on the list. Duration of Contributions defaults to calculating the present age with this start age.

If desired, use the refresh duration of contributions icon, found next to the duration of contributions value, to align the current age of the client with the start age of the retirement plan.

End age

The end age of the project is the oldest end age on the list.

Do the start and end ages of desired capital fall on or within the project's timeframe or outside of the timeframe?

For instance: Travel starts at age 57, but retirement living expenses start at age 67. Is that accurate for this retirement project? When does retirement start?

Removing funding requirements

You have the ability to remove funding requirements by unchecking them.

For instance: you've decided to include only the Living Expenses line. Uncheck Travel and Medical expenses if desired.

COLA

Is the COLA set to the desired amount?

Description field

Descriptions are initially generated from the template.

Does the Description field have the correct verbiage? For instance: if the template provides an annual amount based on 70% of household income and you've manually typed a different annual amount, did you change the Description to reflect that? You may change the Description to any verbiage you see fit.

One-time payout

Use the Start Age field only.

For instance: The client needs $100,000 at age 75. Enter "75" in the Start Age field and leave the End Age field empty.

Wide age gap

When the primary and spouse have a wide age gap, please refer to these support resources:
👉 Wide Age Gaps Between Members in Retirement Funding
👉 Handling Age Gaps

✔️For each applied funding source in Cash Flows, Assets and Insurance sections...

✔️ For other funding sources you wish to apply (for instance, a non-retirement brokerage account)

Apply the funding source by clicking the check box next to the item. Ensure the above parameters are set to desired values.

Check age/dates of cash flows

Does the expected cash flow fall within the project's date/age range established on the What you want page?|For example: The project ends at the primary member's mortality age of 90. (You have defined the end of the project on the What you want page.) But their Pension is set to end at age 100. This funds the project with incomes that go beyond the lifespan of the primary member.

Wide age gap

When the primary and spouse have a wide age gap, please refer to these support resources:👉 Wide Age Gaps Between Members in Retirement Funding👉 Handling Age Gaps

Retirement contributions

Contributions are typically added to the Retirement financial's Details tab on the Asset-Map.

Do contributions end at the retirement age you've set on the What you want page?

Social Security (Pension) start and end dates

Incorrect dates can cause funding gaps or overestimation of retirement income.

Verify that Social Security and pension benefits have the correct start dates and end dates aligned with your financial plan.

Item

Notes

Diagnose

Partial annual values

Check the left column for the year and age. Some may be partial years (based on the client's age) and may impact their funding. If desired, expand the column, edit the item, and set the age/date picklist to "date" to specify an exact date on the item's edit window. Typically then, all other items should be changed in the same manner.

Does the funding bar show fully funded but the table indicate they run out of money

Check the ages of the capital funding and capital requirements to ensure they align and are within the project's endpoints.

Funding after running out

Does the plan become funded again later after running out of money?

Check COLAs, start and end ages/dates of the funding sources and check the ages/dates of the capital requirements. Make sure they align with expectations. Make corrections as needed.

Does funding start earlier than the plan?

For example: they want to retire at 70 but are getting their pension now at 67.

Does their current income cash flow help pay for their current living expenses in pre-retirement? You can adjust the start age of the item to match the start of the plan so that incomes are aligned with retirement expenses.

Missing contributions

Contributions are documented on the Details page of an asset.

Are contributions included on the asset?

Verify all checkboxes are selected in the "What You Have" tab for relevant entries.

Incorrect start/end dates

Double-check all start dates and end dates for relevant entries to prevent calculation errors

Mismatched funding periods

Ensure that contribution periods align with the overall project timeline.

Ensure that incomes align with the overall project timeline.

Social Security and pension discrepancies

Verify Social Security and pension start dates match the expected retirement timeline.