Platform Updates
Stay informed about the latest improvements, fixes, and new features we're building to make Optiml even better.
feature
OPTI 1.49Cash Wedge Feature
You can now build a Cash Wedge directly in your plan! Choose how much cash you want to set aside, how long to build it up over, and once it’s ready, live off the annual interest it earns. A great way to reduce drawdown risk during market downturns.
October 23, 2025
improvement
OPTI 1.49Average and Marginal Tax Rates Added
We’ve added both Average and Marginal Tax Rate views to the Taxes page graph, giving you clearer insight into how your income and withdrawals affect your yearly tax efficiency.
October 23, 2025
improvement
OPTI 1.49Improved Max Spend / Set Value Optimization
We’ve expanded the Max Spend / Set Value search space to help identify additional spending opportunities - ensuring your plan captures every chance to safely increase your retirement lifestyle.
October 23, 2025
improvement
OPTI 1.49Performance and Scalability Enhancements
Behind the scenes, we’ve upgraded Optiml’s backend architecture to deliver faster load times, smoother navigation, and improved scalability as we continue to grow and add new features.
October 23, 2025
feature
OPTI 1.48Compare Plans
You can now compare two of your saved analyses from the Analysis Hub (or your current plan) directly under the Insights tab. Instantly see key differences in assumptions, inputs, and outcomes between plans to understand what’s driving the changes. Plus, you can now chat with EVA right on the Compare Plans page to ask about the differences or get deeper insights into your results!
October 16, 2025
bug
OPTI 1.48LIRA Unlocking
We’ve resolved an issue where LIRA accounts were incorrectly unlocking in the first year of the plan when a spousal RRSP was present in the data. This fix ensures LIRA unlocking now follows the correct timing and rules for all plan types.
October 16, 2025
bug
OPTI 1.47Bridge Pension Proration Fix + Minor UI and Analysis Updates
We’ve fixed an issue where bridge pensions ending at age 65 were not prorating correctly based on the user’s birth month. This ensures more accurate benefit calculations for those transitioning to standard retirement income. We’ve also made minor UI improvements and resolved a few bugs, including issues with RRSP contributions and non-registered dividend values not storing properly in the Analysis Hub.
October 9, 2025
feature
OPTI 1.46New Goal: Future Real Estate Purchases
You can now model the purchase of a future property directly in your plan. Whether you’re considering a cottage, a rental property, or land, Optiml lets you simulate the impact of that purchase on your long-term spending, taxes, and estate value. Compare leaving money in the markets vs. investing in real estate to see which path best supports your goals.
October 2, 2025
feature
OPTI 1.46New Goal: Gifting to Children
Planning to pass down wealth during your lifetime? You can now add a gifting goal to your plan. Choose between one-time lump sum gifts or recurring annual transfers, and Optiml will factor these into your analysis so you can see the effect on your lifestyle, cash flow, and estate.
October 2, 2025
improvement
OPTI 1.46Custom Plan Improvements
Custom Plans are now smarter and easier to use. Overrides you’ve added (like custom deposits or withdrawals) will automatically carry forward when you adjust inputs such as retirement age or expense levels - no need to start from scratch. Plus, any custom deposit/withdrawal order you create in the New Strategy page will now be saved as a reusable template for future plans.
October 2, 2025
improvement
OPTI 1.46Visual & UI Updates
We’ve made a round of visual refinements and UI improvements across several pages. These updates should make navigating Optiml smoother, clearer, and more consistent as you build and test your plans.
October 2, 2025
Showing updates for October 2025
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