I'm trying to figure out why the optimizer would ever recommend spending down the TFSA if there's non-registered funds available.  The only thing I can think is to avoid triggering capital gains taxes.  Would there be any other reason?   Does the TIME MACHINE optimizer try to optmize taxes over lifetime, does it account fo taxes at death?  Most of my TIME MACHINE runs have the TFSA balance going to zero before death, which could reduce taxes during my lifetime (avoiding capital gains by spending tax-sheltered money) but leads to a big capital gains tax bill for the estate, that could be avoided.  

I've put the withdrawal priority to withdraw from the Non Registered accounts first, but when I run the optimizer it wants to withdraw from the TFSA instead of the Non Registered accounts, for many years.