The DB Option Cost Analysis provides a quick comparison between the incomes provided to the primary beneficiary between two options. For this screen to be available, the current client must have a defined benefit plan with at least two options visible.

The prompts are discussed below.

Primary Option

The Primary Option is the option with the higher income than Secondary Option.  This is not necessarily the primary option of the DB plan (often named "Option 1"), but rather the option with the higher income compared to the alternative option.

Secondary option

This is the option with the lower initial income for the client. The option with the highest income will not be shown in the drop down list.

Include accumulated difference with interest

The grid shows the accumulated difference in income. To include an additional column that applies a rate of return to the difference, check this box.

Rate of return

Enter the rate of return to be applied to the "Accumulated Difference with Interest" column.