Plan Optimization & Strategy Studio
1. Tax Arbitrage & Wrapper Optimization
TFSA & FHSA Sheltering
Shields future portfolio growth and dividends from lifetime CRA taxation.
+$180k Tax Saved
Pre-OAS RRSP Meltdown
Decumulates registered capital early to protect full OAS pension eligibility.
Zero OAS Clawback
2. Sequence of Returns & Bridge Cushioning
Pre-Pension Bridge Buffer
Extends accumulation runway to protect equities during early retirement bear markets.
+$240k Low-Point
Safe Withdrawal Benchmark
Lowers baseline draw rate to guarantee 65-year portfolio survival in stagflation.
>98% Solvency
3. Cash Flow Velocity & Spending Levers
Discretionary Spending Trim
Lowers non-essential living costs by $416/month to accelerate freedom horizon.
Retire ~1.6y Earlier
Lean Living Optimization
Cuts lifestyle costs by $833/month to dramatically reduce required nest egg.
Retire ~3.2y Earlier
4. Government Benefits Maximization
CPP & OAS Deferral
Delays pension claims to age 70 to lock in maximum guaranteed statutory bonus.
+42% Payout Bonus
Planning Workflow • Next Phase
Step 5: Geo-Arbitrage StudioEvaluate International Geo-Arbitrage & Departure Tax
Explore 5 top overseas destinations (Portugal, Spain, Panama, Thailand, Mexico) and simulate CRA ITA s. 128.1 deemed disposition.