All the reports show that at my death at 89 my 401k funds have been depleted and the withdrawals end. The problem is, I inputed that my wife would live to be 95 and we would like the smooth withdrawals to extend to her expected year of demise. She has no retirement funds from her working years before we got married. Also, when I die my defined pension should go to 75% of what it was when I was alive. Even accounting for inflation, it is much less than 75% the year after I die. Would appreciate advice on what is happening.