All Features
Optiml Feature
CPP & OAS Optimizer
Generic advice ignores your situation. Find the start age that is actually optimal for you.
Optimize My CPP & OASCPP & OAS Optimizer
All combinations testedCPP Age
OAS Age
After-Tax Estate
Age 70
Age 70
$2,340,000
BestAge 70
Age 68
$2,290,000
Age 68
Age 70
$2,210,000
Age 65
Age 70
$2,140,000
Age 65
Age 65
$1,980,000
Age 60
Age 65
$1,820,000
What is this feature?
CPP & OAS Optimizer
There is no shortage of generic advice telling you to take CPP at a specific age or delay until 70. The problem is that advice does not know your financial planning strategy, your accounts, your income, or your goals. The optimal CPP and OAS start age for someone trying to maximize their after-tax estate is often completely different from the optimal age for someone trying to minimize their lifetime taxes or maximize their retirement spending. That is exactly what the CPP & OAS Optimizer solves.
Your strategy determines your optimal age.
The right start age is inseparable from the financial planning strategy you are running. Optiml tests every age combination against your specific goal to find the answer that is right for you.
Every combination tested. Every outcome visible.
The results show you every CPP and OAS age combination side by side. You can see the best case, the worst case, and every option in between, all in one place.
How the Optimizer Works
Built around your plan, not generic advice
When you first build your financial plan in Optiml, it uses the government benefit start ages you selected as your starting point. Once the plan is built, you can then run the Optimizer. It takes the financial planning strategy you ran, tests every possible CPP and OAS start age combination, and identifies which combination produces the best outcome for your specific goal.
Build your plan first, then optimize
The Optimizer works on top of a completed financial plan. Once your plan is built, you run the Optimizer and it uses everything already in your plan, your accounts, income, strategy, and goals, to evaluate every possible start age combination against your actual numbers.
Your strategy defines what optimal means
Running a Maximize After-Tax Estate strategy? The Optimizer finds the start age that produces the highest after-tax estate. Running a Maximize Retirement Spending strategy? It finds the age that lets you spend the most across your lifetime. The definition of optimal changes based on what you are trying to achieve.
Couples are optimized together
If you are running your financial plan with your spouse, the Optimizer does not look at each of you in isolation. It tests your ages together and finds the combination that produces the best possible joint outcome for your household.
See the real cost of a suboptimal decision
The results show you every age combination ranked by outcome. You can see the difference between the best case and the worst case, and understand what it would actually cost if you followed generic advice and started benefits at a suboptimal age. You can also compare the best option to the next best, and decide whether an extra year of waiting is truly worth the difference.
Ready to find your truly optimal benefit start age?
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