Optiml strategy
Maximize After-Tax Estate
Leave the largest possible inheritance, without sacrificing your retirement.
Maximize After-Tax Estate
Optiml
Estate over time
Optiml vs. no strategy
With Optiml
Without
What is this strategy?
The Maximize After-Tax Estate strategy is Optiml's most powerful planning strategy. It is specifically designed to develop a plan that maximizes the value of your after-tax estate, all while ensuring you have your desired after-tax income each and every year of your financial plan. You get to live the lifestyle you want, and you can see exactly how much your after-tax estate will be worth. It is that simple.
Other advice or traditional planning strategies may project a higher pre-tax estate value. But that number is irrelevant. What matters is what your family actually receives after Estate Taxes are settled. Taxes at death can be devastating without a plan.
You get to live your desired lifestyle each year.
Your after-tax estate value is as high as it can possibly be.
What Maximize After-Tax Estate actually means
It does not matter what strategy you think works.
You may have read about a withdrawal order that makes sense to you. You may have watched a YouTube video outlining a strategy that sounds solid. Maybe your neighbour swears by it.
None of that matters here. The Maximize After-Tax Estate strategy is goal based and has one job: make sure you receive exactly the after-tax income you said you need each year, and make the number you leave behind for your loved ones as large as it can possibly be.
This is not about reducing your lifetime taxes.
It is about maximizing your after-tax estate.
Maximize After-Tax Estate Strategy: How Your Estate Grows
TFSA
↑ Growing
Tax-Free at Death
Continues to grow tax-free
RRSP / RRIF
↓ Drawn Down
Strategically Depleted
Drawn down over time to avoid terminal tax hit
Non-Registered
→ Managed
Gains Smoothed
Capital gains realized gradually over time
Maximum After-Tax Estate
The largest possible amount for your loved ones
No two plans are ever the same. Optiml's output depends entirely on your accounts, income needs, age, and goals. Never a template.
The optimizer
Optiml does not follow an order. It tests everything.
There is no preset withdrawal order. Every possible combination of deposits and withdrawals is evaluated against your specific financial plan.
Candidate plan
optimizer
Under the hood
Finding the peak through every possible path.
Think of your financial plan as a mountain. The summit, your maximum after-tax estate, is the goal. There are thousands of paths to the top, each one representing a different combination of withdrawals, deposits, and account sequencing across every year of your plan.
The Optiml optimizer is the climber. Rather than picking one trail and hoping it leads highest, it systematically explores the entire mountain, testing steeper routes, switchbacks, and hidden ridgelines, before committing to the one that reaches the true summit.
optimizer · maximize after-tax estate
Climbing to your peak estate
▲ after-tax estate
Strategy A
false peak
Strategy B
Optiml
Max Estate ✦
Single-strategy path: stops short of the peak
Alternative route: longer, still sub-optimal
Optiml's path: the true summit
The optimizer explores every viable combination before settling on the one path that reaches the summit of your after-tax estate.
Every path must satisfy one principal constraint
Your income from all sources, minus all taxes, living expenses, goals, and deposits, must net to exactly zero each year. No path is ever accepted that leaves you short of what you need to live.
Income
$112,000
Income
$112,000
− Taxes
$21,500
− Expenses
$78,000
− Goals
$12,500
− Deposits
$0
The Optiml layer
The formulas above are the clean version of the problem. Solving them for a real Canadian household, year by year, is where Optiml's proprietary work happens.
estate
The estate, after every tax
Each candidate plan is valued the way your estate would be: after the final return and the tax on every account, not by its balance on paper.
tax engine
Every candidate plan, fully taxed
Each plan the optimizer considers runs through Optiml's complete Canadian tax engine: federal and provincial brackets, credits, OAS recovery, and RRIF and LIF rules, every year.
optimizer
Built in-house
The Optiml optimizer is engineered in-house to solve problems with hundreds of interacting decisions reliably, settling on the plan that best meets your goal.
The result is a precise, year-by-year plan: exactly which accounts to draw from and contribute to, in what amounts, and in what order, so your estate reaches the highest possible peak, without ever compromising your standard of living along the way.
Is this strategy right for you?
Who this strategy is for
You are planning to leave money behind for your beneficiaries
You want to ensure you have your desired after-tax income each year, without overspending
You know roughly how much income you need each year and want a plan built around that
You want to see what your estate's after-tax value could realistically be
You want to simulate just how high your after-tax estate could grow, even if leaving that much behind isn't your final goal
It may not be for you if
Minimizing your lifetime taxes is your top priority
You do not want to leave an estate behind
You want Optiml to tell you just how much you can spend each year
Compare other strategies
Tax Goal
Minimize Lifetime Taxes
Pay the least tax over your lifetime.
Spending Goal
Maximize Retirement Spending
Live your best retirement. Spend more, worry less, never run out.
Set Estate Goal
Set Your Estate Target
Lock in your legacy. Spend everything else.
Ready to Maximize your After-Tax Estate?
Take control of your financial future.
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