AdviceWorks® vs OptimalFinancial

Manage and view your full financial picture with the AdviceWorks app, available for clients with Cetera accounts. Experience seamless and intuitive control of your finances wherever you go! Our mobile app extends your personal relationship with your Cetera-affiliated financial professional, providing tools for greater collaboration. Contact your financial professional for access if you don’t already have a username and password. Unlock a suite of essential features: • Stay informed with a dashboard offering a comprehensive overview of your accounts and investment performance • Gain insight into your total net worth, including any linked accounts from other financial institutions, home valuation, and other non-liquid assets • Effortlessly manage financial documents, including account statements, confirms, and advisory reports • Access a secure personal document vault to store digital copies of everything from past tax returns to cherished family photos • Rest easy knowing your information is safeguarded by industry-leading security and encryption measures, including login with Face ID or Touch ID • Foster easy communication with your financial professional through accessible contact details and document sharing capabilities Cetera Financial Group® refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), Cetera Financial Specialists. All firms are members FINRA / SIPC. Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

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