Optimized plans your clients understand.
Optiml does not stop at a projection. It optimizes each household's withdrawals, CPP and OAS timing and taxes toward the goal the client chooses, then delivers the plan in a way clients understand, far more clearly than other advisor software. Our strategies save you time and your clients taxes.
The plan summary your client takes home
Key outcomes, where the money goes and every goal, on one page of the report.
- Peak net worth, lifetime spending and lifetime tax
- The after-tax estate
- Where the money goes, at a glance
- Every goal, and whether the plan funds it
What it means for your practice
Answers in the room
Answer the hard questions in the meeting, not in a follow-up email.
A number for "will we be OK?"
The Success Score turns the client's biggest question into one number.
From one RRSP to a HoldCo
The same depth whether a household has a single RRSP or a HoldCo, OpCo and trust.
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.
What every plan covers
- Tax-aware withdrawals
- The order of withdrawals across RRSP, RRIF, TFSA, LIRA, non-registered and corporate accounts, aimed at the goal the client chooses.
- CPP and OAS timing
- Start ages from 60 to 70, including the OAS recovery tax and pension income splitting.
- Success Score
- The plan tested across up to 50 market scenarios, so the answer to "will we be OK?" is a number.
- Compare plans
- Two versions of the plan side by side, and up to 10 plans per client.
- Incorporated clients
- HoldCo, OpCo and trust modelling for business owners.
- EVA, and a check before every plan
- EVA, Optiml's AI assistant, answers questions about a client's plan as you prepare. The AI Validator checks each client's inputs for outliers before you build the plan.
Show the trade-off, not just the answer
Put two versions of the plan side by side, so the client sees what changes when CPP starts at 70 instead of 65.
Compare plans
Plan A
Retire at 62, CPP at 65
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Success Score
Lifetime tax
Estate at 95
Plan B
Retire at 62, CPP at 70
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Success Score
Lifetime tax
Estate at 95
CPP start age
More of what Optiml does for your practice
Branding and reports
Your logo, colours and signed cover letter on every report and invite.
Client onboarding
Onboard a client the same day, not in two weeks: households add their own details by invite.
Insights
Upcoming retirements and birthdays across your book, so you call first.
Practice and team
Start on your own, add a colleague when you hire. Offices and roles when you need them.
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.