Optiml takes the guesswork out of tax planning by creating a personalized strategy tailored to your retirement and estate goals. Based on your inputs, Optiml identifies the most tax-efficient way to achieve your desired outcomes. It determines the optimal deposit strategy for your investment accounts and plans ahead for the decumulation phase—going beyond traditional one-size-fits-all approaches.

Retirement is your time to enjoy the wealth you've built, but without a smart withdrawal strategy, you risk overpaying in taxes, outliving your savings, or leaving behind more than intended. Optiml ensures withdrawals are structured efficiently, so you can maintain your lifestyle while maximizing your money. By optimizing which accounts to draw from and when, you reduce taxes, extend savings, and grow your estate—without sacrificing the experiences you want today. A well-planned strategy ensures your wealth lasts and avoids heavy taxes later. With Optiml, you can retire confidently, knowing every decision helps you and your family enjoy the rewards of your hard work.

Deciding when to start your CPP/QPP and OAS benefits is one of the most important retirement decisions you'll make. Each year you delay can increase your benefits, but that's not always the best choice. Your optimal start age depends on various factors including your other income sources, tax situation, life expectancy, and estate goals. Optiml helps you understand the trade-offs and find the timing that works best for your unique situation.