How It Works
Discover how our comprehensive suite of tools can help you plan, track, and optimize your retirement strategy.
Step 1
Create your profile
Choose Your Analysis Type
Individual Analysis
Create a personalized retirement plan focused on your individual financial goals and circumstances.
Joint Analysis with Spouse
Optimize your retirement strategy together, considering both partners' finances, goals, and shared future.
Location
Province/Territory for tax purposes
Income
Current and future
Investment Details
Registered & Non-Registered
Goals
Vacation, Real Estate, Renovations, Wedding, Vehicle, Boat, Education, Charity
Expenses
Annual Household Expenses, Debt Obligations, and Desired After-Tax Income
Assets
Real Estate, Life Insurance, Operating Business, CCPC, Investment Fund, Personal Assets
Step 2
Set your Estate Goal
Choose your preferred estate planning strategy. Each option leads to a different financial plan optimized for your specific goals.
Goal-Based Planning:
Set your desired estate goal, and Optiml will work backward to identify the most tax-efficient path to help you achieve it.
Optimized Goals
Maximize Estate Value
Prioritize the growth and preservation of your wealth to ensure the largest possible estate is passed on in the most tax-efficient way.
Balance Spending & Legacy
Achieve the ideal balance between enjoying your retirement lifestyle and securing a financial legacy with a set goal for the next generation.
Maximize Spending
Focus on spending: Maximize annual retirement spending and draw your savings down to zero by the end of your analysis.
Step 3
Run your analysis
Goal-based Financial Plan
Our advanced optimization engine runs hundreds of thousands of simulations to find the optimal strategy for your chosen goal.
Applied to the below Estate Goals:
Maximize Estate Value
Balance Spending and Legacy
Max Spend
Key Benefits:
- Identify the most tax-efficient strategy for your estate goals
- Optimize deposits into TFSA, FHSA, RRSP, and Non-Registered Accounts
- Tailor a tax-efficient withdrawal strategy
- Get a personalized action plan—no guesswork needed
Processing Time
4-8 minutes
Step 4
Put your tailored plan into action
It's more than just numbers—it's your roadmap to achieving your goals. With clear steps and actionable insights, you have everything you need to take control, stay on track, and build the future you envision.
Ready to build your own plan that works for you?
Start Your Free Trial Today
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