The first 5 years of retirement decide the next 30.
Sequence-of-returns risk and the bracket pattern you set in years 1 to 5 compound for decades. Optiml builds the year-by-year plan for the window that matters most.
140,000+ retirement plans run · 4.8 / 5 · PIPEDA compliant · Canadian data storage
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Sequence-risk stress-tested
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Year-by-year plan built
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CPP & OAS timing set
✓
Lifetime tax minimized
As seen in: Globe and Mail · Financial Post · Invest Nova Scotia · fintech.ca · Moolala Podcast
140,000+ plans run
4.8 / 5 rating
BBB A+
PIPEDA compliant
Two ways to handle years 1 to 5
Wing the first 5. Or build the year-by-year plan.
Wing the first 5
DIY / RULE OF THUMB
Guess
withdrawal rate, no stress test
- Pick a 4% rule and hope the market cooperates
- No test against a bad market in years 1, 2, or 3
- No year-by-year tax integration with CPP and OAS
- RRIF and TFSA drawn in whatever order feels right
- No flex when actual returns and life events diverge
Optiml's year-by-year first 5
BUILT FOR YOU
3 to 15%
illustrative lifetime-tax range
- Monte Carlo on your first 5 years for sequence-of-returns risk
- Withdrawal sequencing optimized for years 1 to 5 specifically
- CPP and OAS start ages solved together with the plan
- Bracket caps, pension splitting, OAS clawback all modelled
- Re-optimizes as actual returns and life events diverge
Illustrative example. Your results are unique.
Get clarity on your first 5 retirement years.
14-day free trial on every Optiml tier. Plans from $9.99 / month. Cancel anytime in-app.
14-day free trial. Cancel anytime in-app.
14-day free trial. Cancel anytime in-app.