Built for Every Canadian
Whether you're in British Columbia or Newfoundland, planning solo or building your dream retirement with your spouse. Optiml has you covered.
All Provinces & Territories
Full tax optimization across all 13 Canadian provinces and territories
Individual Planning
A retirement plan built entirely around your unique financial situation and goals
Joint Household Planning
Optimize together. The power couple. One optimized household strategy.
The Optiml approach
Start with the end in mind
Every great retirement plan begins with two fundamental questions. Tell Optiml everything you want to accomplish: your lifestyle, goals, and legacy. Optiml then works backwards to find the most tax-efficient path to get there. No guesswork. No generic advice. Just your optimized plan.
How much do you want to spend?
$7,850/mo after tax
How much do you want to leave behind?
$300K for the kids
Optiml works backwards
It tests withdrawal orders, CPP and OAS timing and tax moves against your goals.
Your optimized plan
The most tax-efficient path to the life you described.
Unlike Traditional Financial Planning
Traditional Planning
Focuses only on the current year
Year-by-year decisions made in isolation
No long-term tax optimization
Generic, one-size-fits-all strategies
Optiml
Plans your entire retirement lifetime at once
Every decision connected to long-term outcomes
Minimizes your total lifetime tax burden
Fully personalized to your exact goals
Step-by-step setup
Build Your Financial Profile
Input your complete financial picture. Optiml needs to understand where you are today to find your best path forward.
Average onboarding time takes 15 minutes
Step 1 · Your starting point
Income & Government Benefits
Add all your sources of income and government benefit details. Optiml factors in current and future income sources.
Step 2 · Your wealth picture
Investment Balances
Add your registered and non-registered investment account balances. Optiml only needs each account combined totals, not individual stock details.
Step 3 · Every dollar of net worth
Assets
Add all your personal assets including real estate, insurance, private equity, and other assets. And business assets like Trust, Holding Company, and Operating Company.
Step 4 · Your life's ambitions
Goals
Simulate future purchases and expenses, one-time or recurring. Whether it is a kitchen renovation, a family vacation, your child's wedding, or charitable giving, it all gets factored in.
Step 5 · Clear the full picture
Debt
Capture all outstanding debt obligations beyond your mortgage. Debt is a critical factor that must be accounted for in your long-term plan.
Is your debt's interest rate tax deductible? Factor that into your Optiml plan.
Step 6 · The most important step
Living Expenses
Define your after-tax income needs to fund your lifestyle, today and into the future. Create different spending phases to reflect how your needs will evolve through retirement.
Now for the Fun Part
Choose Your Retirement Strategy
With your profile complete, select the strategy that matches your goals. Optiml will find the most tax-efficient path to get you there.
Swipe to see all 6 strategies
Run unlimited what-if scenarios.
Once you've run your first plan, the real power begins. Change any single input and instantly see the impact on your entire plan.
What if we retire at 62?
Couple, both 58 · $1.2M saved
Income after tax
$7,850/mo
Saved at retirement
$1.50M
Understand your plan
Meet EVA. Your personal AI assistant.
Optiml is built for more than just optimization. It is built for empowerment. We do not just show you your financial plan, we give you the tools to master it.
EVA is Optiml's AI assistant. Ask it why your plan is making a specific decision in any year, or how Optiml works. On Pro+ and Legacy it can also update your plan with you, test what-ifs and compare saved plans.
Questions EVA can answer
EVA
Your plan
Ready to build your optimized plan?
Take control of your financial future.
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