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Optiml Strategy
Maximize Retirement Spending
Live your best retirement. Spend more, worry less, never run out.
Maximize My IncomeIncome Over Time
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What is this strategy?
Maximize Retirement Spending
The Maximize Spending strategy is for people who have saved their whole lives and now want to enjoy it. Instead of the default approach, which often leaves tens of thousands on the table, Optiml calculates the maximum sustainable income you can draw every year, from every account, in the right order. You get more money to spend every year.
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 Maximize Spending Actually Means
Spend it all. Without running out.
This strategy is built around one idea: drawing your investments down to zero by the end of your plan. Not recklessly, but optimally. The goal is to enjoy every dollar you saved, in the most tax-efficient way possible, without spending too much too early or too little too late.
Optiml starts with your base after-tax income needs and then calculates your Surplus Spending on top of that. Say you need $80,000 a year after tax. If your plan can support $110,000, that is a $30,000 surplus every single year that is yours to spend.
You also control when that surplus applies. You may want to spend more in your active early retirement years but expect less need after age 80. Set your Surplus Spending window and Optiml builds your entire withdrawal strategy around it.
This is not about spending recklessly.
It is about building an optimal withdrawal strategy that triggers the least amount of tax, so that every dollar you saved gets to be enjoyed by you.
Base Expenses + Surplus Spending
Base Expenses
Surplus Spending
Drag the sliders to adjust your surplus spending window
Plan Start
50
Surplus Begins
58
Surplus Ends
78
Life Expectancy
85
Illustrative example. Your actual surplus spending depends 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 do not want to leave an estate behind
You want to spend it all and die with zero
You want to know exactly how much you can spend each year
May Not Be Right If...
This Strategy May Not Be For You
You want to leave money behind for your beneficiaries
You do not want to spend more than you need each year
Ready to Maximize your Retirement Spending?
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