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 [...]

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 in WealthTrace as you can see in the screenshot [...]

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 Inputs & Assumptions-->Plan Settings/Assumptions/Taxes-->Advanced Settings 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 [...]

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. You can also tell the program to only use the account after all other accounts have been depleted, as seen [...]

I have cash inflows that I want to go into a single investment account. How do I do this?

Before retirement, this is not possible. Inflows listed under Additional Cash Inflows will go into taxable investment accounts on a pro-rata basis. Contributions made to investment accounts (in the Investment Assets section) before retirement will be assumed to come from salary. After retirement, assigning a cash inflow to a specific investment account is possible. Do not add the inflow to the [...]