All Features
Optiml Feature
Estate Projector
See your after-tax estate, your pre-tax estate, and exactly what estate taxes will cost your family.
Project My EstateAfter-Tax Estate Projection
Tax OptimizedProjected After-Tax Estate
$2,220,000
+$340K vs. unoptimized plan
To Family
$2,220,000
Estate Tax
$384,000
Age 70
$1.6M
Age 75
$2.0M
Age 80
$2.4M
Age 85
$2.8M
What is this feature?
Estate Projector
Every Optiml plan includes a dedicated Estate page that shows a full breakdown of your estate at death. You can see your pre-tax estate, what it is made up of, and most importantly what your estate taxes are and how much your family actually receives after everything is settled. A high pre-tax estate number means nothing if estate taxes significantly deplete it. That erosion can often be avoided with the right strategy.
Pre-tax estate value is not the number that matters.
Generic, unoptimized plans may project an impressive pre-tax estate. But taxes on RRSP and RRIF balances at death, capital gains on non-registered accounts, and other estate obligations can wipe out a significant portion. Optiml shows you the number your family actually receives.
Every plan includes a dedicated estate tax breakdown.
Optiml does not bury estate details in a summary. You get a full page showing your pre-tax estate composition, all estate taxes itemized, and your final after-tax estate value.
If your liquid investments may not cover your estate taxes, the Estate Projector can surface that gap, helping you identify whether life insurance goals should be part of your plan or whether adjusting your strategy could close the difference.
What the Estate Projector Shows You
Your estate, fully broken down
Your estate picture changes depending on the financial planning strategy you run. The Estate Projector gives you a clear view regardless of your goal, whether you are trying to maximize what you leave behind, or planning to spend it all.
Track your estate value year by year
Optiml projects your estate value across your full retirement timeline, from today through the end of your plan. You see the full trajectory, not just a single end-of-life number, so you can understand how your estate grows, peaks, and shifts as withdrawals and strategies play out.
See exactly what estate taxes will cost
Your estate tax breakdown is itemized in full. RRSP and RRIF balances are fully taxable at death. Non-registered accounts may trigger capital gains. The Estate Projector shows each of these line by line so you understand exactly where the tax is coming from and how much your family keeps.
Identify if your liquid assets can cover the tax bill
If your estate taxes exceed your liquid investments at death, the Estate Projector surfaces that shortfall. This can help you evaluate whether life insurance should be part of your plan, or whether adjusting your withdrawal strategy could reduce the gap before it becomes a problem.
Your estate outcome reflects your strategy
Running a Maximize After-Tax Estate strategy? Your estate is the focal point of every decision in your plan and you will see it grow as high as it can. Running a Maximize Lifetime Spending strategy? Your after-tax estate may be drawn all the way down to zero. The Estate Projector shows you exactly where your plan lands, whatever your goal.
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