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When I input the varialbles into Fire, it says that the first withdrawal is at the end of the year - example: at the end of year 1 If I do an analysis on November 29, 2004, is the end of year 1 on December 31, 2004 or 12 months from now on November 29, 2005? Thanks

When I input the varialbles into Fire, it says that the first withdrawal is at the end of the year - example: at the end of year 1 If I do an analysis on November 29, 2004, is the end of year 1 on December 31, 2004 or 12 months from now on November 29, 2005? Thanks