Household
Federal only. Every rule below is enforced by the engine, not by this form — error messages come back naming the person, account or key at fault.
People
Accounts
Ownership drives RMDs, Rule of 55 and 72(t) — all person-specific (REQUIREMENTS §2). Balances are entered as of the plan start; the engine projects them forward.
Spending target by period
Roth conversion
Either let a strategy choose the conversion each year, or specify the amount yourself, period by period. The two are mutually exclusive: a typed schedule has no effect unless this is set to specify it, and the strategy picker has no effect once it is.
ACA subsidy regime
The regime is set per plan year, not per plan — a plan spanning 20+ years can see it change more than once [D-3]. Under the cliff, a dollar over 400 % FPL forfeits the whole subsidy; under the taper there is no ceiling and the premium is capped as a share of income.