Optiml feature
Withdrawal Optimizer
Your withdrawal strategy is built by Optiml, not guessed by you.
Your strategy drives your withdrawals.
The financial planning strategy you select determines how Optiml prioritizes your accounts. Change your strategy and your entire withdrawal plan changes with it.
Optiml does the math. You set the goal.
Tell Optiml the after-tax income you need each year. It builds the full withdrawal plan around that number, across every account you hold, for every year of your plan.
How it works
4 steps, start to finish
Map your full account picture
Optiml takes stock of your RRSP, RRIF, TFSA, Non-Registered accounts, pensions, CPP, and OAS to understand your full retirement income picture.
Model your tax situation, year by year
For every year of your plan, Optiml calculates your marginal tax rate, potential bracket exposure, and available room in tax-free accounts.
Build the optimal withdrawal sequence
Using multi-year optimization, Optiml determines the most tax-efficient source and amount to withdraw from each year, minimizing your lifetime tax bill while meeting your income needs.
Coordinate with government benefit timing
CPP and OAS start dates are factored into your withdrawal strategy. Delaying or accelerating benefits changes your withdrawal needs each year, and Optiml accounts for every combination.
Good to know
The math behind your withdrawal strategy
Optiml does not follow generic rules like drawing from your RRSP first, or always preserving your TFSA. It builds a year-by-year withdrawal plan that is specific to your accounts, your goals, and the strategy you are running. Two people with identical account balances but different strategies will receive completely different withdrawal plans, because the objective behind each plan is different.
What is Withdrawal Optimizer?
Your withdrawal strategy is not something you design yourself. It is something Optiml builds for you, based on the financial planning strategy you select and the desired after-tax income you set in your profile. Optiml does not ask you how much to withdraw or from which accounts. That is guesswork. Instead, it uses the math of your full financial picture to determine exactly what to withdraw, from where, and when, for every single year of your plan.
Your desired after-tax income is the starting point
You set your desired after-tax income in your profile. That number becomes the non-negotiable foundation of your plan. Optiml builds a withdrawal strategy that delivers that exact amount each and every year, without you having to figure out the how.
Strategy-driven, not rule-driven
Generic advice like drawing from your RRSP first ignores your actual goals. The strategy you select tells Optiml what matters most, and the withdrawal plan is built around that objective, not a one-size-fits-all rule of thumb.
Every account, every year, fully mapped
Optiml does not hand you a general direction. It shows you the exact dollar amount to withdraw from each account, for every single year of your plan, coordinated around your CPP and OAS start ages, RRIF minimums, and tax brackets.
Your Personalized Action Plan
Your financial plan shows all the moving parts across every year. To cut through the noise, Optiml generates a dedicated Action Plan that shows you exactly how much to withdraw, from which account, and when, for every year of your retirement. The plan does not come to life until these actionable items are put into place.
Worth knowing
Your withdrawal strategy is inseparable from the financial planning strategy you choose. If you have not yet explored the strategies Optiml offers, that is the best place to start.
Strategy comparison
Same income. Two completely different withdrawal strategies.
Both strategies below deliver the exact same after-tax income each year. The dollar amount is identical. But the withdrawal sequence, account prioritization, and long-term outcome look completely different. That is the power of a strategy-driven withdrawal plan.
Maximize After-Tax Estate
Secure your desired income, then maximize what your family receives after all taxes are settled.
RRSP / RRIF
Melted down aggressively early in retirement
Non-Registered
Drawn carefully to avoid a large capital gains event
TFSA
Left untouched as long as possible to preserve estate value
Outcome
Highest possible after-tax estate for your beneficiaries.
Minimize Lifetime Taxes
Secure your desired income, then ensure you pay the least amount of tax over your entire retirement.
RRSP / RRIF
Drawn strategically to smooth income and avoid high brackets
Non-Registered
Used in combination with other accounts to manage taxable income
TFSA
Drawn earlier as it is tax-free and helps reduce overall tax exposure
Outcome
Lowest possible lifetime tax bill across your full retirement.
Both strategies deliver your exact desired after-tax income every year. The withdrawal path to get there is what changes.
More ways Optiml helps
CPP & OAS Optimizer
Generic advice ignores your situation. Find the start age that is actually optimal for you.
Estate Projector
See your after-tax estate, your pre-tax estate, and exactly what estate taxes will cost your family.
Success Score
See how your plan holds up under volatile market conditions.
Ready to see your personalized withdrawal strategy?
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