How it Works
Set it up once, then let Optiml™ do the heavy lifting. Easily update your information as needed and Optiml™ will adapt your plan on the fly.
Tell us about you
Follow our intuitive step-by-step process to securely input your current and future income sources (including CPP and OAS), investments (TFSA, RRSP, and non-registered), assets (real estate, life insurance, business holdings, etc.), household expenses, and debts.
Set your estate goal
Choose from three optimization strategies:
- Max Value focuses on minimizing taxes, increasing estate value, and meeting annual expenses.
- Set Value aims to minimize taxes, achieve a set estate goal, cover expenses, and allow additional spending.
- Max Spend depletes estate value strategically while minimizing taxes and maximizing annual spending.
Create your Optiml™ plan
Gain invaluable insights, make informed decisions, and dynamically chart your path to long-term financial success.
Minimize your taxes
Optiml™ intelligently considers taxes year over year, offering a holistic approach that maximizes long-term wealth. Designed to minimize taxes and align with your specific strategy, it stands out as the most powerful and innovative solution in its class.
Explore unlimited scenarios
Analyze the implications of investments, withdrawals, purchases or sales of assets today, or any time, on your future. Embrace effortless planning and financial clarity as your greatest asset.
Optimize your timing
Know exactly how much and when to withdraw from your RRSP, TFSA, and non-registered accounts during retirement, and pinpoint the optimal age to start receiving Canadian Pension Plan (CPP) and Old Age Security (OAS) benefits.
Stay informed
Stay updated with regulatory changes, annual adjustments in contribution limits, federal and provincial tax changes, and new investment opportunities. As you age, your financial priorities and goals will naturally shift and you need to add these changes to your plan.
Set your plan into motion
Presented in an intuitive, user-friendly format, Optiml™ empowers you to plan confidently on your own or with collaboration from your financial advisor or institution. With your blueprint in hand, you’ll have the confidence and direction to manage your finances effectively.
Security & Trust
At Optiml™, safeguarding your sensitive financial and personal data is our top priority. We understand the critical importance of maintaining the utmost security, confidentiality, and availability to ensure your peace of mind.