I have to calculate a column of NPV. However only during the years an
employee is in retirement. So I need to "build" the range reference starting
at retirement to the last year of benefit based on the employee's age and
year of retirement.

Each year from the retirement year to the last benefit year needs to be
caclulated. The range will vary by start year and by the number of years to
the end. I'm trying to use the INDIRECT fuction to build that address. I now
feel I'm using the wrong function and I am in need of guidance.

I have to use NPV as some schedules of benefits will not be a level amount.

=NPV(0.0528,R22C5:R35C5)*(1+0.0528).

For this example, the values in the range R22C5:R35C5 is a level $33,000
which returns $337,828.

What I need to do is to be able to set the decreasing row numbers for the
starting cell and set the row number for the last cell.

How can I do this?