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Plan Preferences Reference

Plan Preferences centralizes household setup, economic assumptions, tax context, withdrawal behavior, and system controls. Expand each section to view values; click Edit on sub-sections to open the preferences modal.

Page sections

Section	Contents
Plan Members	First Plan Owner and Second Plan Member (spouse): Contact link, birthday, retirement timing, longevity timing
Rates	Optimistic inflation, medical, Social Security, housing; property tax growth rate
Excess Income	Percentage of surplus income saved versus spent
Withdrawal Strategy	Strategy mode (for example, Spending Needs), fixed savings target, max spending start date
Goals	Financial legacy target and related goal fields
Withdrawal Order	Traditional tax-order or Custom account sequence with drag-and-drop
Tax & Country	Tax jurisdiction, planning jurisdiction, additional filings, tax residency, household structure, foreign account flags, government benefits
Contribution Room	Canadian TFSA unused room and RRSP deduction limit (Canadian plans)
US Contribution Limits	YTD 401(k), 403(b), 457(b), IRA, HSA contributions; HSA Coverage Type; Prior Year MAGI for IRMAA lookback
System Settings	Auto Update, Display Currency, orchestration status, Run Calculation button

Withdrawal Strategy modes

Strategy	Behavior	Additional fields shown
Spending Needs (default)	Withdraw to meet expense targets in retirement	Standard goals and excess income
Fixed Percentage	Withdraw a fixed percentage of portfolio value	Fixed Savings target field
Max Spending	Cap spending with surplus allocation rules	Max Spending Start Date, Surplus Allocation Mode

Surplus Allocation Mode

Required when using Max Spending. Controls how annual surplus (income exceeding expenses) is directed:

Save — Direct surplus to the excess-income destination account
Spend — Increase discretionary spending
Split — Divide between save and spend using Surplus Split Save Percent
Hold — Keep as cash buffer in Surplus Hold Account
Unallocated — Advanced mode; may surface health-panel warnings

Max Spending Start Date controls when elevated spending caps apply. Financial Legacy sets estate or bequest targets in Goals.

Rates section — field reference

Optimistic rates drive the effective orchestration run. Average and pessimistic counterparts may appear for reference but are not the primary calculation path—see Modeling Assumptions.

Rate family	Fields
Optimistic (effective)	Inflation, Medical, Social Security, Housing
Plan-level variants	Plan Inflation, Plan Medical, Plan Housing (where exposed)
Pessimistic variants	Pessimistic Inflation, Medical, Social Security, Housing
Property tax	Property Tax Growth Rate

Expense Amount Mode

Must Spend (default) — Orchestration uses Must Spend expense amounts
Like to Spend — Orchestration uses Like to Spend amounts where entered

Tax & Country fields

Tax Jurisdiction — Primary country for tax rules
Primary Planning Jurisdiction — Subnational context (state or province) where applicable
Additional Tax Filings — Multi-jurisdiction filing flags
Tax Residency — Residency status affecting bracket selection
Household Structure — Filing status analog for household modeling
Foreign Account Ownership / Foreign Account Contribution Status — Cross-border account reporting context
Government Benefits — Benefit program eligibility context

System Settings

Field	Behavior
Auto Update	Automatically enqueue orchestration when inputs change (after first run rules)
Display Currency	Formats monetary values in the UI; defaults from jurisdiction when blank
Run Calculation	Primary action to start orchestration manually

Multi-currency orgs may show Display Currency when the org supports multiple currencies. Values still derive from jurisdiction defaults when not explicitly set.