Optiml for Advisors
Grow your planning practice without growing your hours.
Optiml optimizes every client's retirement and tax plan and delivers it under your name, in a way clients understand. Onboard new households the same day, and win and keep more clients in the hours you already work.
What changes in your practice
- Onboarding the same day, not in two weeksAdvisor Pro
- Onboarding a new client used to take about two weeks of forms, statements and follow-up emails. Send a branded invite, the household adds its own accounts, income and goals, and onboarding is done the same day.
- Optimized plans, not projections
- Optiml tests the withdrawal order across every account, CPP and OAS start ages and the pace of RRSP withdrawals, and builds the most tax-efficient plan for each client's goal.
- Plans clients understand
- A report with your name on it shows what the household can spend, what goes to tax and what is left behind, and the plan stays open to them between meetings.
- Hours back every week
- Set your planning assumptions once, clients enter their own details, and every report comes out in your branding. Optiml does the analysis, so your time goes to advice.
- Win more clients, keep the ones you have
- Give prospects a plan like no other, keep clients engaged between meetings, and let Insights tell you who to call next.
Onboard a client the same day, not in two weeksInvites on Advisor Pro
Onboarding used to mean two weeks of forms, chased statements and retyped numbers. Send a branded invite, the household adds its own accounts, income and goals, and onboarding is done the same day. Then share the finished plan for them to view, and see when they open it.
The usual way
About two weeks
Forms sent
Statements chased
Numbers typed in
Onboarded
With Optiml
The same day
Invite sent, details in, onboarded
Day 1
Day 14
You send the invite
Harbourview Wealth
Hi Sarah, I have set up your retirement plan. Add your accounts before we meet on Thursday and we will spend the meeting on the plan.
Alex Lam, CFP®
They add their details
RRSP
TFSA
Monthly spending
Retire at
You share the plan
The Brown plan
Plan B
Retire at
--
Success Score
--
After-tax income
--
Estate at 95
--
Retirement income by source
Our strategies save you time and your clients taxes.
Pick the goal with your client. Optiml tests the withdrawal order across RRSP, RRIF, TFSA, LIRA, non-registered and corporate accounts, CPP and OAS start ages and the pace of RRSP withdrawals, then builds the most tax-efficient plan for that goal. Getting those decisions right can be worth tens of thousands of dollars over a retirement, and for many households far more.
Maximize Lifetime Spending
The most the household can spend each year, from every account, without running out.
Minimize Lifetime Taxes
The withdrawal plan with the smallest total tax bill across every year of retirement.
Maximize After-Tax Estate
Retirement income secured first, then the largest estate left to heirs after tax.
Set Estate Value
Lock in the amount the client wants to leave, and spend everything above it.
RRSP Meltdown
RRSPs drawn down in lower-tax years, at a pace you set, before RRIF minimums and the final return push them into higher brackets.
OAS Clawback Reducer
Withdrawals shaped to keep income under the clawback threshold, so clients keep the OAS they earned.
Custom Plan
Your judgement, Optiml's math: override any deposit or withdrawal, in any account, in any year.
Built into every goal
Every goal-based strategy builds in an RRSP meltdown, CPP and OAS start ages, pension income splitting and the OAS recovery tax.
Your practice's name on every plan you deliver
Set your logo, three colours and a report font once. They carry through every report, client invite and plan email Optiml sends for you.
- A cover page in your colours
- A cover letter in your words, signed by you
- Client invites with your branding and signature
- Plan emails sent under your name
Optimized plans your clients understand
Most planning software stops at a projection. Optiml delivers the optimized plan in a way clients follow, far more clearly than other advisor software: what they can spend, what goes to tax and what they leave behind, on one page with your name on it.
- Lifetime spending, lifetime tax and the after-tax estate, at a glance
- Where every dollar goes, and whether each goal is funded
- Two versions side by side, so clients see the trade-off
- A Success Score that answers "will we be OK?" across up to 50 market scenarios
- The same depth for a single RRSP or a HoldCo, OpCo and trust
Win more clients. Keep the ones you have.
Give prospects a plan like no other: optimized, under your name, and theirs to open between meetings at no cost. Clients who can see the work behind your advice understand what they pay you for, and you see when they open it, with notes on the plan in one thread.
The Brown plan
Plan B
Notes on this plan
Alex
Plan B moves CPP to 70. Have a look before Thursday.
Sarah
Makes sense. Can we talk about the cottage too?
Know who needs you next
Insights lists the retirements and birthdays coming up across your book, so the call happens before the client has to ask.
Your whole book on Advisor Pro, five clients on Advisor Core.
Pay per advisor, nothing per client.
One flat rate for your own seat, and the same rate for each colleague you add. Clients never pay to view the plans you share.
Advisor Core
$99
/advisor/month
Advisor Pro
$149
/advisor/month
See it with your own clients.
Start a 14-day free trial, or book a demo and we will walk you through a full client plan.