# OptimalFinancial — Wealth governance, one view

> Wealth governance, one view (iPhone/iPad app by OptimalFinancial LLC.)

- Source: https://appshunter.io/ios/app/optimalfinancial/id6780243870 (this page in markdown: same URL + `.md`)
- Developer: [OptimalFinancial LLC](https://appshunter.io/developer/6780243872)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 16.4 · 43 MB
- Languages: American English
- Released: 2026-07-02
- Data updated: 2026-08-22
- User reviews in markdown: https://appshunter.io/ios/app/optimalfinancial/id6780243870/reviews.md

## What is OptimalFinancial?

Institutional wealth governance. Without the institution.

Optimal Financial brings family-office-grade oversight to anyone serious about their wealth, whether you're managing $50K or $50M. See every account, holding, and entity in one governed view, and understand not just what you own, but how well it's structured.

ONE VIEW OF EVERYTHING
Bring 4,000+ banks and brokerages into a single dashboard: equities, cash, fixed income, alternatives, and digital assets, in any currency. No more spreadsheets, no more logging into ten portals.

A GOVERNANCE SCORE, NOT JUST A BALANCE
Most apps show you a number. Optimal Financial shows you a verdict. Your Governance Score rates your wealth across the dimensions that actually matter (concentration risk, investment policy, structure, and more) so you can see where you're exposed and what to fix. It's the discipline an institution applies to its capital, applied to yours.

BUILT-IN COMPLIANCE OVERSIGHT
Track FATCA and CRS exposure, beneficiary structures, and trust arrangements in the same place you track your portfolio. For families and advisors carrying cross-border reporting obligations, the governance and the compliance picture finally live together.

AI-POWERED INSIGHTS
Ask plain-language questions about your portfolio and get answers grounded in your own data: your concentration, your gaps, your structure. Insight, not generic tips.

BUILT FOR THOSE WHO TAKE STEWARDSHIP SERIOUSLY
- Serious individual investors who want institutional rigour
- Family offices managing multiple households
- Trust companies, IFAs, and advisors who need oversight, not just aggregation

PRIVATE BY DESIGN
Your data is hosted in a non-US jurisdiction on Canada-based infrastructure, with bank-level encryption. Governance shouldn't cost you your privacy.

Your wealth. One view. Fully governed.

SUBSCRIPTION TERMS
Professional is offered as an auto-renewing monthly or annual subscription. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Manage or cancel in your Apple Account settings.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://optimalfinancial.ai/privacy.html


## Version history (last 3 releases)

### 1.0.3 — 2026-08-14

Subscriptions can now be purchased directly in the app.

This update also adds a guided setup for new accounts, a clearer path to connecting accounts from the More menu, and improved handling when a purchase does not complete. Several screens now display correctly on smaller devices, and the AI Advisor gives more complete answers about your governance score.

### 1.0.2 — 2026-07-21

Privacy improvements: clearer disclosure and consent controls for the AI Advisor.

### 1.0 — 2026-07-02

No release notes.

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-22.*