How can you adjust the core capital calculation for the capital gains tax that will be owed as someone liquidates their portfolio to pay for living expenses? Also, if I use the Social Security Administration mortality tables the joint survival probability is still around 75% for a 110 year old male and 106 year old female (https://www.ssa.gov/oact/STATS/table4c6.html), so the core capital needed is very high. Is there a better mortality table to use or am I calculating joint survival probability incorrectly? Thank you for your thoughts on these questions!