Thank you!

I'm trying to understand whether the MoneyReady app can handle the following situation:

Two retirees, where one has some OAS clawaback and unrealized capital gains in an unregistered account. The money is not needed for expenses, but the question is whether the capital gains should be realized at once or spread out over time. It seems to me the progam bases everything on spending, but in this case no money is needed from the unregistered account - it's really a question of how to minimize taxes. 

The thinking is that taking more realized gains in one year will incure a peenatly until the OAS is fully clawed back but then the marginal total tax hit goes down as there isn't the 15% OAS clawback. But if the gains are spread out year after year, then there is continuols OAS clawback.