Q 1). How do you model retirement income that varies in retirement? For example, first 5 years I need $50,000 and then second 5 years I need $40,000 and then rest of life I need $30,000....
You can use Special Expenses to model income needs in periods. In which case enter $0 under Retirement Income Goal. Then use one line per period under Special Expenses. Make sure the periods overlap properly... starts at age 65 for 5 years.... next line... starts at age 70 for 5 years... etc.
Q2). And also on the printout, if we just use Special Expenses then Annual Income Needs column shows $0 which is confusing to the client.
Regarding the printout, you could enter their "minimum" income from all periods under Retirement Income Goal so it doesn't print as $0. Then adjust the income during the periods to be the "additional amount" above the minimum.
Also, if you think the columns or headings are confusing, use File menu Export to Excel function to export the spreadsheet data to Excel. From there delete down to the columns you want to print.