This alternative plan shows the impact of a future special receipt. The living standard goes up in every year, including the current year, even though the special receipt is out several years into the future. This alternative plan should be compared to the Base Plan.  

The setup for this inheritance or any other future Special Receipt looks like what you see in this image below. Notice that the tax treatment can be designated as not taxable, taxable at ordinary rates, or taxable at capital gains rates. 

The $500,000 inheritance has a positive impact on lifetime and annual discretionary spending. Note that although the receipt is received in 2035, the change in discretionary spending begins in the current year. Unlike in conventional planning, the annual spending level is not stipulated by the user, but is instead discovered by the program. This difference in approaches makes a profound difference in the usefulness of the planning.