Balance Spending & Legacy
Achieve Your Estate Goal with Confidence
Input the exact dollar amount you want to leave behind, and Optiml will ensure your financial plan supports it. This strategy balances your spending and savings, so you can enjoy retirement while staying on track to meet your estate goal—giving you clarity, confidence, and peace of mind.
Create Your Perfect Balance
Make confident decisions that support both your financial future and the people who matter most.
Balance spending and legacy
Set your desired estate $ goal
Enjoy retirement with confidence
Track your progress
Set your window to really enjoy retirement
54
65 - 80
85
Select Maximum Retirement Spending Age Range
This feature lets you identify a specific window where you want to maximize your retirement spending. During this period, the algorithm will calculate the maximum amount you can spend each year while still ensuring you meet your desired income levels before and after the window, cover your annual expenses throughout the plan, and achieve your end-of-analysis financial goal. It's about finding those golden years where you can truly live life to the fullest, without compromising your long-term objectives.
Extra Spending
Once you have set your annual expenses, desired estate value, and maximum spending window, Optiml will analyze your plan and determine the most tax-efficient strategy to achieve your goals. The analysis calculates whether you can reach your estate target and identifies how much extra spending you can afford each year beyond your stated expenses. By setting your extra spending window, you'll see exactly how much more you can safely spend annually—ensuring you maximize your wealth without leaving behind more money than intended.
Annual Expenses
2025
$85,000
2026
$86,700
2027
$88,434
2028
$90,203
2029
$92,007
After-Tax Income
2025
$85,000
+ $5,000
$90,000
2026
$86,700
+ $5,150
$91,850
2027
$88,434
+ $5,305
$93,739
2028
$90,203
+ $5,464
$95,667
2029
$92,007
+ $5,628
$97,635
Is this strategy right for you?
Set Your Legacy Goal
Define your desired estate value and let us help you achieve it while enjoying retirement
Maximize Enjoyment
Find out exactly how much you can spend each year while staying on track to meet your legacy goal
Tax-Efficient Strategy
Optimize deposits and withdrawals to minimize lifetime taxes and maximize what's available for both spending and legacy
Dynamic Planning
Adjust your plan as life changes, always maintaining the right balance between spending and legacy
Progress Tracking
Monitor how your current spending and investment decisions impact both your lifestyle and estate goals
Confidence Builder
Gain peace of mind knowing your plan supports both your retirement lifestyle and desired legacy
Ready to build your own plan that works for you?
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