Contingent Retirement Account Withdrawals

It would be very useful to add a contingent input for the Retirement Account Withdrawals, even if it is just start and stop dates with the accounts drawn down at a steady rate. Two reasons for this-

1. The generally-applicable reason- In the event of my wife's (or my) premature death, the surviving spouse would inherit the other's retirement accounts and would have enough to significantly increase his/her standard of living. The likely choice would be to retire earlier and start drawing down the retirement assets (probably leaving SS the same). However I don't see any mechanism to do this without messing with the base (non-contingent) case.

2. The specific work-around-driven reason- I have hacked around the retirement account level-withdrawal restriction to cover the gap between my projected retirement age and the start of delayed SS claiming at age 70. This was done by allocating the long-term retirement assets to my wife's account and putting a smaller amount in my retirement account with an 8-year withdrawal duration to cover the timeframe between my retirement and her receiving spousal SS benefits at her FRA of 67. It works nicely in the base case and minimizes the build-up of Regular Assets which would be taxed. However, the collateral damage is that in the event of my wife's early death, all the combined retirement assets are put in my account and withdrawn over the first 8 years after my retirement. This effectively transfers the funds from a non-taxed Roth to taxed Regular Assets and creates a mess to clean up by using Special Receipts to cancel the taxes.

I realize most users are not trying to hack around the level-withdrawal limitation, but I think the first situation is broadly applicable and would support making this improvement.

Any input from others?

Bill