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Optiml Strategy
Maximise After-Tax Estate
Leave the largest possible inheritance, without sacrificing your retirement.
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What is this strategy?
Maximise After-Tax Estate
The Maximise After-Tax Estate strategy is Optiml's most powerful planning strategy. It is designed to develop a plan that maximises the value of your estate after Inheritance Tax, while ensuring you have your desired after-tax income each and every year. You get to live the lifestyle you want, and you can see exactly how much your beneficiaries will receive.
You get to live your desired lifestyle each year.
Your after-tax estate value is as high as it can possibly be.
From April 2027, unused pension funds count toward your estate for Inheritance Tax. Pre-tax estate values can be misleading, what matters is what your beneficiaries actually receive after IHT, lump sum death benefit charges, and income tax on inherited pensions.
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 maximizing your after-tax estate.
Max Value Strategy: How Your Estate Grows
ISA
Continues to grow tax-free and passes outside of income tax
↑ Growing
Tax-Efficient Legacy
SIPP
Drawn down strategically to manage Inheritance Tax exposure
↓ Drawn Down
IHT Managed
GIA
Capital gains realised gradually using the annual allowance
→ 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.
Under the Hood
Finding the peak through every possible path.
Think of your financial plan as a mountain. The summit - your maximum after-tax estate - is the goal. There are thousands of paths to the top, each one representing a different combination of withdrawals, deposits, and account sequencing across every year of your plan.
Optiml's non-linear optimization engine is the climber. Rather than picking one trail and hoping it leads highest, it systematically explores the entire mountain - testing steeper routes, switchbacks, and hidden ridgelines - before committing to the one that reaches the true summit.
Every path must satisfy one principle constraint
Your income from all sources, minus all taxes, living expenses, goals, and deposits, must net to exactly zero each year. No path is ever accepted that leaves you short of what you need to live.
Income − Taxes − Expenses − Goals − Deposits = 0
The result is a precise, year-by-year plan: exactly which accounts to draw from and contribute to, in what amounts, and in what order - so your estate reaches the highest possible peak, without ever compromising your standard of living along the way.
Climbing to Your Peak Estate
Single-strategy path - stops short of the peak
Alternative route - longer, still sub-optimal
Optiml's path - the true summit
The optimizer explores every viable combination before settling on the one path that reaches the summit of your after-tax estate.
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
May Not Be Right If...
This Strategy May Not Be For You
Minimising your lifetime taxes is your top priority
You do not want to leave an estate behind
You want Optiml to tell you the maximum you can spend each year
Ready to maximise your after-tax estate?
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