The Wealth Over Time report is basically an expanded Cumulative Wealth chart. We use the same 90th, 50th, and 10th percentiles, but we show them for each year throughout the plan. This should give you an idea of just what path the plan is taking in aggregate. The Cumulative Wealth chart will be able to tell you what the spread is at the end of the simulation. The Wealth Over Time chart tells you what the spread is like at any point in the plan. You are also able to identify points where the big events are within the plan – essentially, is your client starting to run out of money at 95, or at 75.