What investing does for your firm
Scale
More households, same team
Tax-aware care for every household runs without adding a trader or an operations hire.
Every night
No rebalancing by hand
Harvesting, location, rebalancing, and cash run to your policy while you sleep.
Every morning
Only what needs a person
Mission Control brings your team the exceptions, with the household beside each one.
Every account size
Top-of-book care for all
Smaller households get the same tax-aware investing as your largest clients.
Your policy, carried out every night
Your firm decides how its clients invest. You set your asset classes, your models, the ETFs you approve for each class, and how much in gains a household can take in a year — and a second person at your firm approves every change. Athena carries that policy out on every household, every night, the same way every time.
That consistency is what lets one advisor supervise far more households. Nobody on your team is running a rebalance spreadsheet or remembering which client has a harvest coming. The policy does the work, and your advisors spend their time on clients.
Four jobs, one household run
Every night, four jobs run as one household investment policy. If a job has nothing to do, it holds. When it fires, it follows the same household rules as the rest of the run.
Harvest
Sell a usable taxable loss and buy an approved peer, so the household stays invested.
Locate
Place holdings in the accounts where the tax treatment helps.
Rebalance
Trade only when household risk has drifted far enough to matter.
Reinvest
Put leftover cash to work in what’s underweight, after the rest is done.
The order matters. Cash goes to work only after harvesting, location, and rebalancing are done, so the money that’s left is real and no trade is undone the next night.
The household, not each account
Most households hold a taxable account, a Traditional IRA, and a Roth. Athena measures risk across all three together, then places each holding where the tax treatment works best. Each account can look different while the household stays right on policy.
| Taxable | Traditional | Roth | |
|---|---|---|---|
| Prefers | Tax-efficient stock funds | Bonds and tax-heavy holdings | Growth |
| Protects | Appreciated lots stay put | Wash rules checked | Wash rules checked |
- Prefers
- Taxable
- Tax-efficient stock funds
- Traditional
- Bonds and tax-heavy holdings
- Roth
- Growth
- Protects
- Taxable
- Appreciated lots stay put
- Traditional
- Wash rules checked
- Roth
- Wash rules checked
Athena never sells appreciated taxable holdings just to make an account match the model, so clients don’t get a tax bill for cosmetics. That is the kind of care clients notice at tax time, and the kind that keeps them with your firm.
Harvest the loss, keep the exposure
When a taxable loss is worth harvesting, Athena sells that lot and buys an approved peer ETF in the same asset class for about the same dollars. The household stays invested, its allocation doesn’t move, and the loss is there for the client’s tax return.
a sold fund can’t be bought back in any of the household’s taxable, Traditional, or Roth accounts for about thirty days, so a purchase in the IRA never undoes a harvest in taxable.
Harvesting, wash controls, location, and rebalancing bands are covered in detail in our tax-aware ETF methodology guide.
What runs on its own and what comes to you
| Investing work | Who handles it |
|---|---|
| Setting the investment policy | Your firm |
| Approving policy changes | Your firm |
| Tax-loss harvesting | Automated |
| Asset location | Automated |
| Rebalancing within bands | Automated |
| Putting cash to work | Automated |
| Exceptions and client elections | Your advisors |
- Investing work
- Setting the investment policy
- Who handles it
- Your firm
- Investing work
- Approving policy changes
- Who handles it
- Your firm
- Investing work
- Tax-loss harvesting
- Who handles it
- Automated
- Investing work
- Asset location
- Who handles it
- Automated
- Investing work
- Rebalancing within bands
- Who handles it
- Automated
- Investing work
- Putting cash to work
- Who handles it
- Automated
- Investing work
- Exceptions and client elections
- Who handles it
- Your advisors
Your firm keeps every decision that belongs to an advisor: the policy, the exceptions, and the calls only a client can make — like whether to sell a concentrated stock, or take more gains than usual this year.
Mornings that start with exceptions
Your team opens Mission Control, your household CRM, and sees what ran overnight and what needs a person, with the household beside each decision. Quiet households near policy stay quiet. That is the process working, not something to chase.
Methodology
Monday starts with exceptions, not a household rebuild.
See how harvesting, location, wash controls, and policy bands work together, and what your team supervises each morning.
Read the methodologyCustody stays at Schwab
Your clients’ accounts stay at Charles Schwab, with no repapering. Athena works on top of the custodian you already use, and the household’s investing sits on the same record as its plan, its messages, and its app.
Investing is one part of a single platform: tax decisions connect to each household’s plan, clients see their portfolio in the client app, and exceptions land in Mission Control. Questions about data and controls are answered on our Security page.