I want to set a date when the money from an investment account can be used. I want it to be "locked out" for a certain number of years.

You can "lock out" an investment account from being used until the owner of the account reaches a certain age. You can see this setting in the screenshot below. src="https://cdn.livehelpnow.net/clients/21145/kb/useoffunds1_801dac37-aa0e-4956-ab00-067412e0ecac.png" id="9b22561f-4736-42a2-9d92-3c1fcf830c4b" alt="useoffunds1" width="90%" height="auto" data-image="9b22561f-4736-42a2-9d92-3c1fcf830c4b [...]

I want to change the inflation rate by year. How do I vary inflation over time?

You can vary both the Inflation Rate and COLA Rate src="https://cdn.livehelpnow.net/clients/21145/kb/varies1_80f8eaf2-3a43-42ba-aefa-fc83819b62c4.png" id="59e7c3b8-bbac-426a-8579-18c52cf5ec01" alt="varies1" width="90%" height="auto" data-image="59e7c3b8-bbac-426a-8579-18c52cf5ec01 as you can see in the screenshot below. [...]

How do I tell the program that in the future I will change my asset allocation to a more conservative mix of investments?

You can change your future asset allocation up to two times. You do this by going to Plan Settings > Reallocation and selecting to reallocate in the future, when the reallocation(s) will occur, and the model portfolio(s) to which you will reallocate. There are several default model portfolios you can choose from. You can also edit the models or create your own custom models. You can see the [...]

I want to withdraw from my IRA before one of my accounts that is in the Taxable & Tax-Advantaged section. How do I do this?

There are two ways to control this. You can set an age when funds can be used from an account in the Taxable & Tax-Advantaged section, thereby "locking it out" for a set time period as you can see in the screenshot below. The last screenshot below shows you how to only use an account once all other accounts are depleted. [...]

Does the program take into account the Net Investment Income Tax on capital gains and dividends?

The program calculates whether this tax should be applied to capital gains and dividends. In the Cash Flow Projections section (screenshot below) you can see if this tax affects you. src="https://cdn.livehelpnow.net/clients/21145/kb/niit1_52ba475a-4798-46d7-8bc1-3fc544b2b492.png" id="989a6d5b-5e23-42e2-9753-278510c8d45e" alt="niit1" width="90%" height="auto" [...]