Asset Accessibility in Married Scenarios

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Exploring Automatic Assumptions Regarding Survivor Access to Scenario Assets

Question: Does the software automatically assume all scenario assets are available for the surviving spouse in a "married" scenario?

Answer: The software simply projects assets out to mortality and then calculates a deemed disposition, and investable assets net of tax, probate, etc. You could run a plan for you and your current spouse, then look at the mortality year in the detailed ledgers for each spouse to determine what assets were left under each spouse’s name, and then use this information to discuss the considerations for dispersing assets amongst the blended family.

We’ve tried very hard to keep this planning tool simple enough to pick up quickly, but also complex enough to provide valuable calculations and insight to support your endlessly unique planning discussions.

Keywords: surviving spouse, assets, mortality

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For more information or to clarify any questions about using the Milestones Retirement Insights tool for comprehensive retirement income planning, reach out to us at info@milestones-retirement.com.