All Present Value dollars in our calculators are assumed to be old money—dollars that the client already has access to when beginning an illustration. If an asset is then added as a Present Value, without that money being pulled from existing dollars, data will appear skewed.

When illustrating a client’s money being pulled into a new asset, make sure that money exists elsewhere in the illustration. First, you’ll want to ensure that the money being shifted into a new asset is accounted for in the initial Ordinary Taxable Account.

When you’re ready to shift to a new asset, you’ll need to reduce the Ordinary Taxable by the desired sum and then add the asset. This ensures that all sums used exist as old money. The Milestones page and other data will then reflect this accurately.