Optiml is a retirement planning platform that helps you build, optimise, and maintain a personalised retirement strategy. We model your pensions, investment accounts, and other income sources together to create a tax-efficient plan around your goals. Unlike investment platforms, we don't recommend specific stocks or funds, we help you optimise the accounts you contribute to and the order you draw down from.

Optiml is preparing to open to a first cohort of users. Join the waitlist to secure your spot and lock in founding member pricing when we launch.

No. Optiml is not an investment, trading, or advice platform. We are a retirement planning and tax optimisation tool that helps you understand how decisions about your pensions, investment accounts, and wider estate impact your long-term retirement outcomes.

Optiml creates your personalised plan through a goal-based approach. We analyse your current financial position, retirement goals, attitude to risk, and every income source, including workplace pensions, defined benefit pensions, investment accounts, and rental income. Our engine then models tax-efficient strategies that align with your objectives.

Yes. You can securely link your pension and investment accounts so balances stay up to date automatically. Connections are read-only and use bank-grade security.

Our three tiers are designed for different needs. Essentials covers the fundamentals of retirement planning. Pro+ adds pension optimisation, scenario comparisons, AI insights, and connected investment accounts. Legacy adds limited company investments and trust and estate modelling. Full plan pricing will be announced at launch. Join the waitlist to lock in founding-member pricing.

Yes. Optiml lets you create and stress-test multiple withdrawal strategies, for example using pension drawdown as a bridge before other income sources begin, taking lump sums early to manage estate tax exposure, or preserving tax-advantaged accounts for later withdrawals.

Optiml continuously analyses your plan to find tax-efficient contribution and withdrawal strategies. We model income tax bands, contribution allowances, dividend and capital gains allowances, and estate planning rules to help you keep more of what you've saved.

Yes. Optiml fully integrates workplace pensions, defined benefit income, and other retirement income sources into your plan. We help you find the optimal age to claim or defer income and model the trade-offs between guaranteed income, drawdown, and lump sums.

Yes. We use bank-grade encryption for all data in transit and at rest, maintain strict access controls, and regularly review security. We never sell your personal information. Read more in our privacy policy and security policy.

Your data is stored within Amazon Web Services (AWS) data centres in the United Kingdom, specifically the AWS Europe (London) region (eu-west-2), which operates across multiple availability zones in southeast England. AWS provides robust infrastructure and advanced security controls. Read more in our privacy policy and security policy.

All plans are billed through Stripe with no hidden fees or surprises.

We offer email support for all users plus a built-in virtual assistant.

Yes. You can cancel any time from your account settings, no cancellation fees and no tie-ins. You'll keep access to Optiml until the end of your current billing period.

Refunds are handled on a case-by-case basis. To request a refund, contact our support team and we'll review your situation. Payment processing fees charged by our payment provider are non-refundable.

We continuously improve Optiml with regular updates. Major feature releases happen monthly, with smaller improvements and fixes deployed weekly. All updates are automatic.

Absolutely. We actively encourage feedback and feature requests. Submit suggestions through the platform or email us at contact@optimlplan.com. We regularly incorporate user feedback into our roadmap.