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Optiml Strategy
Maximize After-Tax Estate
Leave the largest possible inheritance, without sacrificing your retirement.
Build My Estate PlanEstate Over Time
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What is this strategy?
Maximize After-Tax Estate
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.
You get to live your desired lifestyle each year.
Your after-tax estate value is as high as it can possibly be.
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.
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.
What Max Value 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 Max Value 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 maximising your after-tax estate.
Max Value Strategy: How Your Estate Grows
TFSA
Continues to grow tax-free
↑ Growing
Tax-Free at Death
RRSP / RRIF
Drawn down over time to avoid terminal tax hit
↓ Drawn Down
Strategically Depleted
Non-Registered
Capital gains realized gradually over time
→ Managed
Gains Smoothed
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.
Is this strategy right for you?
Perfect Fit
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
May Not Be Right If...
This Strategy May Not Be For You
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
Ready to Maximize your After-Tax Estate?
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