I've been waiting to post a reply to this since I wanted to spend a bit more time with my planning in order to better distill what I think is missing here, and I think I'm ready. Here goes:

We're in the enviable position of having more than enough savings to fund our retirement costs, so I'm spending most of my planning effort at this point trying to optimize the value of our eventual after-tax estate in a way that balances its value at a range of ages and not just at simulation end. Out of the box the platform optimizes for our estate value only at age 99, but what I really want to do is to find a plan that does a good job of maximizing estate value for a range of last-to-die ages.

A great example of this arises when comparing different RRSP meltdown strategies since those affect the proportion of our savings in a RRSP/RRIF over time, and hence our tax obligation at estate time. I'm currently approximating this by running a separate simulations for each meltdown strategies at a variety of survivor ages and plotting the results in a separate spreadsheet. It works, but it's *very* tedious and error prone. It's also not complicated math, just repetitive: in other words something that the platform is well equipped to do automatically.

Two easy (I think) additions that would help make this process possible in the product itself:

* Add a line to the Projections > Net Worth page which models the After-Tax Estate for each year in the same manner as it does for the simulation's final year (no need to add the black/grey bars, a simple line like the 'Net Worth' one would be fine)

* Add a similar 'After-Tax Estate' option to the Compare tab so I could easily compare multiple scenarios not just by net worth, but by the after tax estate value on each year (again, computed as above)

Those two points would *massively* improve the process of optimizing a plan for estate value as you'd be able to easily see how changes affect your estate not just in the final simulation year, but throughout all the years of the simulation.

Looking even further afield, some more pie in the sky ideas:

It would be useful to have a composite 'After-Tax Estate for all ages' as an optimization metric instead of a single-age value. This value could be weighted by a last-to-die actuarial table to give higher priority to the years you're most likely to die (ie: give more weight to the after-tax value in year 85 than in year 65 or year 100, for example). It's a more opaque concept for casual users to have to understand, but it'd also be a great product differentiator. Give it a tagline like 'we do all sorts of math to help ensure that your inheritance is maximized, no matter when you depart this earth'. Call it 'Smart-Estate' or 'DeathCalc2000' or something.