Custom Plan
Optiml
Your Plan, Your Way
Custom Strategy
Optiml Approach
Your Custom Path
What is this strategy?
The Custom Plan strategy puts you in the driver's seat. Once you run a strategy in Optiml, you may want to make small or large adjustments to how much you are contributing to, or withdrawing from, each account in any given year. Custom Plan gives you the freedom to manually override any dollar value to customize a strategy the way you want. Whether you are trying to rebuild your own existing strategy, or stress testing whether Optiml's optimized plan is indeed optimal. Custom Plan gives you that ability, even if the end result decreases your after-tax estate or increases your lifetime taxes.
Want to see how your custom plan compares? You can run any of Optiml's goal-based strategies alongside your custom plan to understand the trade-offs between personal preference and mathematical optimization.
You decide how every dollar moves.
See your plan projected in full. Taxes, income, and estate.
What Custom Plan actually means
Your personal approach. Not driven by math.
When you select a strategy in Optiml, such as the Maximize After-Tax Estate strategy, Optiml calculates the most mathematically efficient withdrawal plan to deliver your desired after-tax income and grow your estate. But sometimes the math does not match your intention.
Say you added a goal in your plan, Daughter's Wedding for $20,000, and Optiml calculated a withdrawal from your Non-Registered account to fund it. That aligns with the math. But your plan is different. You always intended to pull that $20,000 from your TFSA. Custom Plan lets you make exactly that change.
Whether it is a single one-time override or changes across multiple years, Custom Plan gives you the flexibility to build out a strategy your way. And once you do, Optiml shows you the full before and after impact of your changes across Pre-Tax Estate Value, Estate Taxes, After-Tax Estate, Lifetime Spending, and Lifetime Taxes.
This is not about tax efficiency.
It is about giving you complete control over your own financial plan, even if the result is not mathematically optimal.
Custom Plan: You Set the Values
RRSP / RRIF
User Override
You choose the withdrawal amount each year
TFSA
User Override
You decide how much to contribute or withdraw
Non-Registered
User Override
You set the deposit and withdrawal amounts
Your Custom Plan Projection
Full year-by-year view based on your own numbers
Every override you make is reflected immediately. Optiml projects the full impact of your decisions year by year. Never a template.
Is this strategy right for you?
Who this strategy is for
You want full control to build a financial plan your way
You already have a withdrawal strategy in mind and want to see it modelled
You prefer a personal approach over a purely math-based plan
This strategy may not be for you
No need for guesswork, just show me my optimized plan
Ready to Build Your Custom Plan?
Take control of your financial future.
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