--- title: "Optiml | Canadian Retirement Planning Software for Advisors" url: https://optiml.ca/advisor-waitlist/ description: "Canadian retirement planning software for financial advisors. Run every plan from one workspace, deliver branded reports, and join the early access waitlist." updated: 2026-09-09 --- # Financial planning software for Canadian advisors that lets you take on more households without adding hours. Optiml models a client's entire retirement horizon and optimizes toward the goal that matters to them, whether that's spending more, retiring earlier, or leaving more behind. Join the waitlist at https://optiml.ca/advisor-waitlist/ 200,000+ retirement plans run · 4.9/5 average rating · BBB A+ accredited · Canadian data storage, PIPEDA compliant ## What is Optiml? Optiml is Canadian retirement and financial planning software. This version is built for financial advisors, accountants, and wealth firms who want to run a bigger book in less time. It puts every household in one workspace, offloads routine questions to EVA (the AI assistant grounded in each client's plan), lets clients test their own what-if scenarios, and delivers simple walkthroughs plus white-label reports that look like they came from your firm. You spend less time on busywork and more time on advice that grows the practice. Optiml has been covered in the Globe and Mail and the Financial Post, and thousands of Canadians already use it to plan their own retirement. Optiml for advisors is in development and launching in 2026. The waitlist is open now at https://optiml.ca/advisor-waitlist/ ## Quick facts | | | |---|---| | Product | Optiml, built for advisors so you can grow the book | | Built for | Financial advisors, accountants, and wealth firms in Canada | | Time back | Intake, routine questions, and what-ifs off your calendar | | AI assistant | EVA answers plan questions so you are not the helpdesk | | Client engagement | Households test ideas themselves between meetings | | Meetings and reports | Simple walkthroughs and white-label PDFs that look like your firm | | Availability | In development, launching in 2026. Waitlist open now | | Data residency | Canadian data storage, PIPEDA compliant | | Publisher | Optiml (Oltre Financial Inc.), Halifax, Nova Scotia | ## How does Optiml map to the way a firm is structured? It mirrors the book you already run: - **Your brand** sits at the top, applied to every client-facing deliverable. - **Offices and branches** connect beneath the brand, so a firm in Toronto, Calgary, and Halifax stays one organization. - **Advisors** belong to an office, each with their own book of business. - **Client households** live in the advisor's book, with access scoped so advisors see only their own clients. Add as many offices, advisors, and clients as you need. A solo advisor starts with one brand and one book and grows from there. Nobody hunts across folders to find a plan. ## Can I white-label Optiml with my own firm branding? Yes. Upload your logo, set your colours, and shape the PDF. Every export looks like a top-tier report from your firm, not a generic planning tool. 1. **Upload your logo.** Drop in your firm's logo once and it appears on every client-facing report and export. 2. **Set your brand colours.** Charts, headers, and highlights adopt your palette automatically, with no design work required. 3. **Shape the PDF template.** Choose which sections appear, including plan summary, net worth, estate, and action items, and in what order. 4. **Deliver a meeting-ready report.** Export it and hand it over. Your disclosures are already in place, so nothing needs a second pass before it reaches the client. ## How do clients get onboarded into Optiml? Two ways, chosen per client: 1. **Manual onboarding.** Fill in every detail yourself when you want full control. Still faster than rebuilding a household across spreadsheets, emails, and leftover PDFs. 2. **Share an onboarding link.** Send a secure Optiml link. Your client enters their own information on their own device, and the data flows straight into your advisor workspace when they finish. You skip the data-entry hour and start planning. ## What happens after onboarding? - **Build the plan fast.** Model drawdown, contribution, and tax paths for the household you just onboarded, without rebuilding anything from scratch. - **Walk in prepared.** EVA and Optiml surface opportunities across accounts, timing, and tax, so you are not hunting the night before the meeting. - **Aim at what they care about.** Spend more today, retire earlier, leave the largest estate, or minimize lifetime tax, then run the plan around that goal and present it cleanly. ## How do clients receive the finished plan? - **Walk them through it live.** Present in a simple, impressive interface. Clients see the plan, not a spreadsheet. - **Custom branded PDFs.** Export meeting-ready reports with your firm's templates, colours, and disclosures. The client sees your practice on every page. - **Read-only Optiml access.** Share the finished plan in-app so clients review on their own time and come to the next meeting prepared. ## Can clients run their own what-if scenarios? Yes, and that is the point. EVA answers the quick, repetitive questions so those do not land in your inbox. Clients who want more control can sign up for Optiml and instantly receive read-only access to the plan you built. They can duplicate that plan into their own workspace and run what-if scenarios freely. You stay the source of truth for the advice relationship, so they arrive at the next meeting engaged, with better questions rather than a blank slate. It suits the households who love to stress-test everything. They stay busy, and you stay focused on advice that actually moves the plan and the relationship. ## What features are included in Optiml? Book management, EVA for routine questions, client self-serve scenarios, meeting walkthroughs, white-label reports, and the Optiml engine behind 200,000+ retirement plans, with more on the way. - **Your whole book, one place.** Every household lives in one workspace, scoped to the right advisor. - **EVA takes the quick questions.** Hand the mundane what-ifs to EVA, the AI assistant grounded in each plan. - **Clients test ideas themselves.** Curious households duplicate the plan, run scenarios, and show up prepared. - **Walkthroughs that impress.** A simple interface built for the meeting, not for a spreadsheet dump. - **Reports that look like your firm.** White-label PDFs with your logo, colours, and compliance language. Top-tier reports you can send without a designer. - **The engine that lets you advise more people.** Goal-based optimization, Success Score, CPP and OAS tools, and the engine behind 200,000+ retirement plans, now in an advisor workflow that scales with your book. ## Frequently asked questions ### What is Optiml? Optiml is Canadian retirement and financial planning software. This advisor version is built to help you manage a bigger book in less time: one workspace for every household, EVA for routine questions, client self-serve what-ifs, simple meeting walkthroughs, and white-label reports that look like they came from your firm. ### Who is Optiml for? This advisor version is for independent financial advisors, accounting and tax practices, and multi-branch wealth firms in Canada who are tired of spending billable hours on intake, spreadsheet rebuilds, and the same client questions. It scales from a solo practitioner running one book to large corporations with many offices and advisors. ### How does Optiml save me time? Three places, immediately. Clients can complete their own onboarding through a secure link, so you skip data entry. EVA answers the quick plan questions that usually bounce back to you. Engaged clients can duplicate the plan and test ideas themselves instead of booking you to rebuild every what-if. The hours you get back go into meetings, advice, and taking on the next household. ### What is EVA, and can it take questions off my plate? EVA is Optiml's AI assistant, grounded in the actual plan rather than generic internet answers. Clients (and you) can ask the mundane questions that eat a practice: what if I retire at 62, what happens to OAS if I draw more from the RRSP, what if I spend a little more this year. EVA handles those so you are not the 9pm helpdesk, and you stay available for the advice that only you can give. ### Can I white-label Optiml with my own branding? Yes. Upload your firm's logo, set your brand colours, and shape the PDF template clients receive. Charts, headers, and highlights adopt your palette automatically, so every client-facing report carries your practice's identity from the cover through to the disclosures. ### Will this help me do more business? Yes, that is the point. When intake, routine questions, and what-if testing are no longer sitting on your calendar, you have capacity for more households and better meetings. Clients who can explore the plan between sessions show up more engaged, which makes advice easier to deliver and easier to keep. ### What Canadian tax and benefit rules does Optiml model? Optiml models RRSPs, TFSAs, RRIFs, LIRAs and LIFs, FHSAs, non-registered accounts, corporate and holding company structures, defined benefit and defined contribution pensions, CPP and OAS timing between ages 60 and 70, OAS clawback, pension income splitting, and federal and provincial tax year by year across the full retirement horizon. ### How much will Optiml cost for advisors? Advisor pricing is still being finalized ahead of launch and will be tiered by firm size, from solo practitioners up to multi-office organizations. Waitlist members get pricing details first, along with early access founding-member terms before the platform opens publicly. ### When does Optiml launch for advisors? Optiml for advisors is in development and launching later this year. Join the waitlist for early access updates, product previews, and launch timing. ### Is Optiml only for large firms? No. Solo advisors can use it as a standalone branded workspace that saves hours on a single book. Larger firms can add multiple offices, branches, and advisors under one brand, with each advisor managing their own clients and the whole firm looking consistent in every meeting and every PDF. ### Where is client data stored, and is it secure? Optiml stores client data in Canada and operates in compliance with PIPEDA, Canada's federal private-sector privacy law. Access is scoped so advisors see only the client households in their own book, and clients only ever see the plans you choose to share with them. ### How do I join the Optiml waitlist? Complete the form at the bottom of https://optiml.ca/advisor-waitlist/ with your name, phone number, email, and firm name. Joining takes under a minute, costs nothing, and carries no obligation. Waitlist members receive launch timing, product previews, pricing, and first access when onboarding opens. ## Related - Optiml for individual Canadians: https://optiml.ca/ - Features: https://optiml.ca/features/ - Pricing for individuals: https://optiml.ca/pricing/ - Contact: https://optiml.ca/contact/