Your desired after-tax income is the starting point

You set your desired after-tax income in your profile. That number becomes the non-negotiable foundation of your plan. Optiml builds a withdrawal strategy that delivers that exact amount each and every year, without you having to figure out the how.

Strategy-driven, not rule-driven

Generic advice like drawing from your SIPP first ignores your actual goals. The strategy you select tells Optiml what matters most, and the withdrawal plan is built around that objective, not a one-size-fits-all rule of thumb.

Every account, every year, fully mapped

Optiml does not hand you a general direction. It shows you the exact amount to withdraw from each account, for every single year of your plan, coordinated around your State Pension start age, Lump Sum Allowance, and tax bands.

Your personalised Action Plan

Your financial plan shows all the moving parts across every year. To cut through the noise, Optiml generates a dedicated Action Plan that shows you exactly how much to withdraw, from which account, and when, for every year of your retirement. The plan doesn't come to life until those actions are put into place.