How do I run just the Withdrawal Optimizer?

First run an ordinary TIME MACHINE and check its cash flow and warnings. From that result, select WITHDRAWAL OPTIMIZER. This keeps your entered CPP/QPP and OAS start choices while testing retirement account withdrawals and deposits. The separate CPP/QPP and WITHDRAWAL OPTIMIZER also searches pension start ages.

You can instead choose TIME MACHINE + WITHDRAWAL OPTIMIZER on the pre-run review screen to perform the baseline and optimization together. The feature requires a subscription.

If the review lists missing accounts, expenses, rates or funding problems, correct them and rerun the baseline. Accounts needed as possible future destinations can start with zero value, but still need valid growth assumptions and priorities. Significant unallocated positive wallets must also be resolved.

The optimizer compares a proposed schedule with the original through TIME MACHINE. Read the resulting after-tax legacy comparison and the actual deposits and withdrawals.