AMA: We’re Dela Dzadey and Lana Graham, paraplanning and Xtools experts, Ask Us Anything!

Hi JA ,

At the moment the Deficit settings for pensions can only be set in one stage, so I'd model it using the Expend payment option for the pensions. 

1. For the first 10 years, set the client's payment to expend and the partner's payment to minimum.
2. After 10 years, set both the client and partner payments to expend. 

Here is an example of the partner inputs below - however I set it to change after 5 years (when there is a pension balance > $0).