Optiml
How it WorksFeaturesStrategiesBlogOur Story
Join the waitlist
Optiml

Retirement Strategies

Find the strategy built for your goals

There is no single right way to retire. There is only YOUR way.

Join the waitlist

Optiml is goal-based, you define what matters most and it builds a math-optimized plan around it.

With Optiml

Without

Estate Goal

Maximise After-Tax Estate

Leave the largest possible inheritance, without sacrificing your retirement.

Explore Strategy

With Optiml

Without

Tax Goal

Minimise Lifetime Taxes

Pay the least tax over your lifetime.

Explore Strategy

With Optiml

Without

Spending Goal

Maximise Retirement Spending

Live your best retirement. Spend more, worry less, never run out.

Explore Strategy

Your spending

Estate target

Set Estate Goal

Set Your Estate Target

Lock in your legacy. Spend everything else.

Explore Strategy

Strategic draw

No strategy

Pension Strategy

Pension Drawdown Bridge

Bridge the gap between retiring and your State Pension, tax-efficiently.

Explore Strategy

Allowance preserved

Tapered away

Tax Strategy

Personal Allowance Taper Avoider

Don't lose £1 of personal allowance for every £2 you earn over £100k.

Explore Strategy

Estate

Spending

Tax

Build Your Own Custom Plan

Our optimized plans run the numbers and provide a math-based approach. Want to add your own touch? Input your own deposit and withdrawal strategy to build a plan exactly the way you want it.

Explore Strategy

Ready to build your optimized plan

Ready to build your optimized plan?

Join the waitlist

Join the waitlist

Be first in line when we launch.

Optiml is coming to the UK. Register your interest to get launch news first and lock in exclusive founding-member pricing before we open to the public.

Founding-member pricing

Lock in exclusive early-bird rates that are only available before we launch.

Launch news first

Be the first to hear the moment Optiml opens to new users in the UK.

No spam, ever

We only email about the launch and product updates. Unsubscribe any time.

Register your interest

We'll be in touch with launch news as soon as we're ready to welcome you in.

Optiml Logo

Empowering you to take control of your financial future.

Strategies

Pension Drawdown BridgePersonal Allowance TaperMaximize After-Tax EstateMinimize Lifetime TaxesMaximize Retirement SpendingSet Estate Goal

Resources

BlogFAQ

© 2026 Optiml. All rights reserved.