Platform Updates
Stay informed about the latest improvements, fixes, and new features we're building to make Optiml even better.
improvement
OPTI 1.55Life Insurance Now Includes Cash Surrender Value
You can now enter a cash surrender value (CSV) for whole life insurance policies and set a growth rate. If you cancel the policy, Optiml will simulate accessing the cash. Insurance policies are no longer included in your net worth or portfolio value unless they have cash value.
December 5, 2025
improvement
OPTI 1.55Income Properties Now in Pro+
You can now add income properties under the Pro+ subscription. This feature was previously only available in the top-tier plan.
December 5, 2025
improvement
OPTI 1.55Save Up to 20 Plans in the Analysis Hub
Pro+ users can now save up to 20 plans in the Analysis Hub (previously 10). Plans include both input and output data and can be re-run or modified anytime. Delete old plans to free up space.
December 5, 2025
feature
OPTI 1.55Add Private Equity to Personal Assets
You can now track Private Equity investments like startup shares or employee stock options under Personal Assets. Simulate growth and flexible exit strategies, including multi-year sales.
December 5, 2025
feature
OPTI 1.55LCGE (Lifetime Capital Gains Exemption) Now Supported
Optiml now supports the Lifetime Capital Gains Exemption. When selling a qualifying OpCo or Private Equity investment, mark it as LCGE-eligible and we’ll apply the exemption when calculating capital gains taxes. Note: This applies to new or re-run plans. Adjust your LCGE amount under Advanced Settings if needed.
December 5, 2025
improvement
OPTI 1.55Estate Taxes on Real Estate Now Calculated
Estate taxes are now included for income properties, cottages, and land. View these under the new 'Estate Taxes' section on your Taxes page. Note: This update applies to new or re-run plans. If you have an archived plan, re-run it to apply this change.
December 5, 2025
improvement
OPTI 1.55Premium Plan Renamed to Legacy
Our top-tier subscription is now called Legacy. It’s designed specifically for business owners with HoldCos, OpCos, Trusts - or all three. You can now also assign custom ownership percentages between spouses, not just 50/50.
December 5, 2025
feature
OPTI 1.55Add Trusts to Your Financial Plan
Legacy users can now add Family Trusts or Joint Partner Trusts. Define beneficiaries, assets held in the trust, and simulate estate planning outcomes. Ownership attribution can be customized per spouse as needed.
December 5, 2025
feature
OPTI 1.55Add Holding Companies (HoldCos)
You can now add Holding Companies (HoldCos) and assign assets inside them, including OpCos, real estate, private equity, life insurance, cash, and investment funds. Ownership of the HoldCo can now be split between spouses in any proportion, giving you full flexibility.
December 5, 2025
feature
OPTI 1.55Add Multiple Standalone Operating Companies
Legacy users can now add multiple stand-alone OpCos to their plan. Track dividend payments, growth, and simulate future sale events. You can now assign custom ownership percentages between spouses for each OpCo — no longer limited to 50/50 splits.
December 5, 2025
feature
OPTI 1.55Estate Taxes on Business Holdings
Optiml now calculates estate tax liability for business assets held in Trusts, HoldCos, and OpCos. See if your liquid assets cover the bill or if selling assets or life insurance may be needed. Note: Applies to new or re-run plans only. Re-run archived plans to apply these updates. Ownership splits between spouses are now fully customizable.
December 5, 2025
improvement
OPTI 1.55Legacy Upgrade for Existing Pro Users
If you were on the Pro plan and using it for Operating Companies, you’ve been automatically upgraded to Legacy at no extra cost. Your pricing will stay the same. You’ll now also have full control over business ownership splits between spouses.
December 5, 2025
Showing updates for December 2025
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