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" [...]

Where do I add contributions to my investment accounts?

Enter annual contributions under Cash Flow Inputs-->Investment Assets as seen in the screenshot below. src="https://cdn.livehelpnow.net/clients/21145/kb/acontr1_7b029016-c5c1-4f72-9dcf-e947af729aca.png" id="e0a54f5f-1127-4d32-8be9-282a3ffacf7d" alt="acontr1" width="90%" height="auto" data-image="e0a54f5f-1127-4d32-8be9-282a3ffacf7d [...]

I want to create my own asset class. How do I do this?

You can create your own asset classes and assign annual returns to them in Global Settings > Asset Class Mapping. When adding custom asset classes, you will also map those asset classes to pre-defined asset classes for the purposes of running Monte Carlo simulations. This is because we will not have standard deviation and correlation data for the custom asset classes. After entering the asset [...]