Garmin 195 and 430

Trouble with the vertical guidance with my Garmins. I have a 195 on the yoke
and a 430 on the dash. They are both acting the same re vertical guidance and
Garmin says they don't act that way.

When I chose a "direct to" airport all works fine. When I have a flight plan
(eg inital airport, VOR, destination airport) the vertical guidance is to the
VOR and not to the last entry - the airport. I know that I can go the the Vert
Nav page and select to destination airport but it is supposed to be the
default. Has anyone else had this problem - is there a "switch" somewhere set
wrong?

Chuck