Build your plan first, then optimise

The Optimizer works on top of a completed financial plan. Once your plan is built, you run the Optimizer and it uses everything already in your plan, your accounts, income, strategy, and goals, to evaluate every possible start age against your actual numbers.

Your strategy defines what optimal means

Running a Maximize After-Tax Estate strategy? The Optimizer finds the start age that produces the highest after-tax estate. Running a Maximize Retirement Spending strategy? It finds the age that lets you spend the most across your lifetime. The definition of optimal changes based on what you are trying to achieve.

Couples are optimised together

If you are running your financial plan with a spouse or partner, the Optimizer does not look at each of you in isolation. It tests your start ages together and finds the combination that produces the best possible joint outcome for your household.

See the real cost of a suboptimal decision

The results show you every age combination ranked by outcome. You can see the difference between the best case and the worst case, and understand what it would actually cost if you followed generic advice and claimed at a suboptimal age. You can also compare the best option to the next best, and decide whether an extra year of deferral is truly worth the difference.