OptimalFinancial is a private wealth governance platform built for family offices, high-net-worth individuals, trustees, and independent financial advisors.

SEE EVERYTHING YOU OWN IN ONE PLACE
Connect bank, brokerage, and crypto accounts through secure, read-only aggregation. Add property, private equity, collectables, and other alternative assets manually. Track consolidated net worth across currencies, entities, and structures.

GOVERN IT LIKE AN INSTITUTION
- Governance Score: continuous scoring of concentration, liquidity, documentation, and oversight across your portfolio
- AI commentary: plain language insight into what changed in your portfolio and why it matters
- Scenario engine: stress test allocations against market moves before you make them
- Crypto governance: digital asset holdings tracked to the same oversight standard as traditional assets
- FATCA and CRS support: structured workflows for offshore reporting obligations
- Auditor and trustee access: granular, read-only roles for the professionals who oversee your structures

BUILT FOR PRIVACY AND SECURITY
All data is encrypted in transit. Sign-in is protected by multi-factor authentication and biometric unlock. Account connections are read-only. You can delete your account and data at any time.

WHO IT IS FOR
- Family offices that need institutional-grade oversight without institutional overhead
- High net worth individuals consolidating accounts across multiple institutions and jurisdictions
- Trustees and trust companies that need governance documentation for the structures they administer
- Independent financial advisors serving private clients

OptimalFinancial is investor-centric software. It does not provide investment advice, execute trades, or hold client funds.

An OptimalFinancial account and subscription are required. Manage your plan at optimalfinancial.ai