Predicting the Financial Future

• Will inflation stay on track?
• Will the markets return 6% next year?
• Will your income or expenses rise exactly as expected?
• Will policy changes leave CPP and OAS untouched?

These are questions no software—or human—can answer with certainty. And that’s exactly why we’re excited to announce our newest and most requested feature:

Custom Plan is Now Live!

Custom Plan gives you full control over your retirement and tax strategy. Now, you can:

• Manually override any deposits or withdrawals in your existing plan
• Build a strategy from scratch, year by year
• Stress-test “what if” scenarios and see the long-term impact

In short: You can now blend what’s mathematically best with what’s realistically you.

Why We Built This

When we first launched Optiml, we were focused on building the most mathematically sound plan possible. But the reality is: The future is uncertain. The best any of us can do is build a plan that performs well across a range of outcomes, not just one.

That’s why we started adding more user control:

• The ability to override your CPP and OAS start ages
• The option to adjust expense growth, returns, and personal assumptions
• And now—full control over how and when you draw from (or contribute to) your accounts

This isn’t about rejecting math—it’s about respecting uncertainty.

How It Works

Step 1: Choose Your Starting Point

• Edit an existing plan by overriding deposits or withdrawals
• Or start from scratch and build your own accumulation/decumulation order

Step 2: Customize Amounts

• Manually adjust how much to contribute or withdraw—account by account, year by year. Optiml will make sure everything stays within the rules and limits.

Step 3: Run Pre-Flight Analysis

We’ll show you if your changes result in a surplus or shortfall. Then, you can either:

• Adjust your expenses to close the gap
• Or let Optiml rebalance the rest of the plan to keep things aligned

Step 4: See the Impact

Instantly review how your custom strategy affects:

• Lifetime Spending
• After-Tax Estate Value
• Lifetime Taxes
• Estate Taxes

Step 5: Launch Your Plan

Once you're satisfied, make it your new dashboard plan and continue to explore deeper insights.

Planning Is Personal

Let’s be honest: The “perfect” financial plan doesn’t exist.

But a well-informed, flexible, and intentional plan? That’s the next best thing—and probably the best anyone can do in an uncertain world.

With Custom Plan, Optiml empowers you to combine the power of optimization with your real-life goals, beliefs, and risk tolerance. Whether you’re trying to:

• Front-load RRSP withdrawals while your tax bracket is low
• Delay TFSA use for longer-term growth
• Test the impact of an early retirement or changing income
• Or simply build a plan that reflects what you actually intend to do

Custom Plan gives you the tools to do it.

Try It Today

Custom Plan is now live for all Pro & Premium users next to the other Goal based and Traditional plans on the “Run New Plan” page.

We can’t wait to see how you use it—and how your plans evolve with more control at your fingertips. Because the future may be uncertain, But your financial plan doesn't have to be.