Optiml Walkthrough: How to Set Up Your Profile

Stop guessing and start planning. Set up your Optiml account in just 15 minutes and take control of your financial future. In this walkthrough, I show you exactly how to build a professional grade, tax efficient financial plan using Optiml. This is the DIY planning software built specifically for Canadians.

Navigating Your Optiml Dashboard: A Complete Overview

Take a tour of your financial future. Once your data is in, the Optiml dashboard becomes the command center for your retirement strategy. In this video, we walk through the dashboard to show you how to interpret the output of your financial plan.

Understanding Retirement Planning Strategies in Optiml

Financial planning isn't just about paying less tax; it is about deciding what your money is actually for. In this video, we dive into the Strategy Library in Optiml to show you how goal-based planning works.

How to Edit Your Financial Plan: Making Changes in Optiml

Learn how to quickly update your inputs and test new scenarios in Optiml. In this video, we walk through how to make changes to the data in your plan.

Frequently Asked Questions: Your Optiml Questions Answered

Whether you're just getting started or you've been using Optiml for a while, this FAQ video is designed to help you navigate the platform and uncover features you might not have discovered yet.

Plan Shortfalls Explained: Why They Happen and How to Resolve

Discovering a shortfall in your plan can be stressful, but understanding why it happened is the first step toward fixing it. In this video, we break down exactly what a plan shortfall is, the common factors that lead to one, and the actionable steps you can take today to get back on track.

The Go-Go, Slow-Go, No-Go Strategy.

Most traditional retirement calculators make a fatal assumption: they assume you'll spend the exact same amount of money at age 85 as you do the day you retire. Spoiler alert: You won't!

Sell & Rent vs Keep the Family Home

Should you keep the family home, or sell it, rent, and invest the proceeds? When your goal is to maximize what you leave behind for your beneficiaries, you don't want to rely on guesswork. In this video, we look at a high-level walkthrough of how to simulate these two exact strategies side-by-side using Optiml.

Nominal vs. Real

When building a long-term financial plan, choosing between a Nominal and Real view changes how you see your wealth. Here is a breakdown of what each view shows and how it benefits your strategy: Nominal View: Displays future dollar amounts using actual face-value numbers, without adjusting for inflation.

Maximize After-tax Estate Strategy

Learn about Optiml's Maximize After-Tax Estate Strategy, an optimized, tax-efficient retirement plan designed to protect your wealth and your lifestyle.

Minimize Lifetime Taxes

Think you're optimizing your lifetime taxes? Most Canadians lose hundreds of thousands of dollars over their lifetime to avoidable taxes. Here is how to stop it. This strategy is built entirely around your desired after-tax income needs for each year of your financial plan and through retirement.

Maximize Lifetime Spending

This strategy is designed for Canadians who do not plan on leaving a liquid estate behind for beneficiaries. This is the Die with Zero approach. If that is you, keep reading. You have a specific amount of money and a set time horizon.

Set Estate Value

Are you unsure if you are optimizing your retirement spending? Or are you accidentally over-saving and missing out on the lifestyle you worked a lifetime to build? Welcome to Optiml's Set Value strategy.

OAS Clawback Reducer

OAS clawbacks are not always a bad thing. In retirement planning, there may be years where your income is above the OAS clawback threshold. That does not automatically mean your plan is wrong.

Custom Plan

At Optiml, we are obsessed with the math. Our platform is built to run the numbers and find the absolute, mathematically most efficient retirement plan based on your unique goals. Whether you want to maximize your after-tax estate to leave a massive legacy, or fully customize the path, Custom Plan puts you in control.

The Goal-Based Guide to CPP & OAS Optimization in Optiml

There is no single best age to take CPP and OAS. There is only the best age for YOUR specific goals. A common mistake Canadians make is choosing a start age for government benefits in a vacuum. In this video, we show you how the Optiml CPP & OAS Optimizer finds the right timing based on the strategy you are running.

Stress Test Your Retirement: Will Your Money Last in a Volatile Market?

A financial plan is only as good as its ability to survive a crisis. It is easy to look at a plan when the markets are steady, but what happens during a deep recession or a spike in inflation? In this video, we explore the Optiml Success Score, a powerful feature that allows you to stress test your retirement strategy.

How to Compare Financial Plans in Optiml

This is where the software really shines—moving from a static document to a dynamic laboratory for your life decisions. You can test the big life pivots like retiring early or selling the home, and use an AI assistant to make sense of the math.