What do "First Point Below Legacy Goal" and "Time Below Legacy Goal" measure in the Legacy Example Scenarios?

These measures help in evaluating the risk that a plan's legacy goal may not be met.

• First Point Below Legacy Goal reports on the earliest point (measured in months) in a given test scenario that a household would have had assets available for legacy needs below the household’s legacy goal.
• Years Below Legacy Goal reports how many months this test household would have spent in this situation.

If the first point below legacy goal is early in retirement or the years below legacy goal are high, that indicates less likelihood that a legacy goal would have been met in that scenario.