PRISM: Prioritizing Your Goals

I like the worksheet you've provided for assessing risk tolerance.  However, there is one type of timing risk that it does not seem to accommodate:  a crisis event, like the inception of long-term care, where there is no reasonable way to forecast that inception.  Here the high percentage draw and the short draw period elevate the timing risk, but if the inception should come later, the wherewithal has to increase to meet inflation.  I've found no way to deal with this issue without running multiple simulations.