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Default Recurring annual events using a specific date as a trigger date

I am building a cash flow. I have a start date for an income stream, and on
each anniversary of that date I need to trigger an increase to that income,
reoccurring about 4 times.
Using an if function, asking excel to return a value if the cash flow date
is greater than the income start date, and then asking it to return a value
if the cash flow date is equal to the anniversary (start date +365 days,
second anniversary = start date + 730 days.. etc), and doing this for 4
repeats, excel tells me I have entered too many arguments! I thought it could
take 7....

 
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