Your client Rick is $45$ years old and decides to purchase a PIA with an income start date of age $6510$ years later at age $55$ he decides to retire early he wants to change his income to $862$ if Rick wants to change his income start date for a second time would it be allowed to move the income start date back to age $70$ since it's still original tenure window can change income twice he's only allowed to do one time change during referral moved income to age $58$