Straight answers to the questions advisors ask us most — who Athena is for, what you keep, what your clients get, how Athena AI and your advisors share the work, and how to get started. Each answer links to the page with the full detail.
Athena is one platform for growing your book without growing your team at the same rate. Your clients open an app under your firm’s name. Your advisors open Mission Control. Athena AI answers everyday questions in your voice, and Athena handles the routine work behind every household, so your team spends its time where a person makes the difference.
Who Athena is for
RIAs and wealth firms that want to serve more households with the team they already have — especially lean teams with a large book of smaller accounts that a meeting-heavy model can’t reach. Enterprise wealth firms use the same platform under their own brand.
No. Solo advisors and lean teams feel it first, and multi-advisor firms get the same lift: every question answered in the app and every routine task Athena runs frees an advisor for judgment and growth.
Yes — that is what Athena is built for. Every household, whatever its size, gets the same monitoring, next steps, outreach, and investing, so the accounts you used to refer away become relationships worth keeping.
No. Athena is the platform your firm runs on. Your firm is the advisor, your brand is what clients see, and every judgment call stays with your team.
See how a lean firm runs on Athena on For RIAs, and why we built it on Why Athena.
Your custodian, CRM, and systems
No. Athena runs on top of Charles Schwab, so you get started without repapering a single household. Schwab is the only custodian Athena connects today; if your firm uses another, ask us first and we’ll tell you plainly whether it fits.
It can. Mission Control is the household CRM for the households Athena runs, with accounts, leads, messages, and exceptions on one record. Your books and records stay where they are.
Keep what works for you. If Orion, Advyzon, or Black Diamond prints your statements, keep it for that, and keep a specialist tool for formal plans if you use one. Athena gives you everything around the household on one platform.
Schwab for custody, plus linked bank and investment accounts, credit, payroll, e-signatures, and workplace retirement plans at Principal, Transamerica, Vanguard, and Schwab, so every household fills itself in.
An app under your firm’s name with their whole financial picture: net worth, cash flow, debt and credit, a Health score, ranked next steps, and Athena AI answering their questions in your voice. They open and fund Schwab accounts there too.
A portal shows statements. Athena is an app clients open every week because it helps with their everyday money — so your firm is part of their routine, not a login they use once a quarter.
Yes. The app is free to the household, and your firm runs Athena. Prospects get a Health score and next steps on day one, and when they’re ready they open and fund an account in the app and become a client on the same record.
Monarch and Origin are apps clients pick on their own, under someone else’s brand. Athena gives your clients the same everyday money tools inside your firm’s app, tied to your advice, so your team sees what they see.
No. Recommendations come from Athena’s planning and investing engines and each household’s own data. Athena AI explains them in your firm’s voice, and anything that needs judgment goes to a person on your team.
Your team stays in charge. Athena drafts replies to client email in your advisor’s own mailbox, and your advisor reviews and sends them from your own address. Timely outreach — a missed match, a debt to review, extra cash — is written for each household’s situation and goes out under your brand.
Yes. The everyday questions that used to become emails get answered in your app, any time of day, so your inbox holds only the conversations worth an advisor’s time.
Every judgment call. Mission Control shows each morning which households need a person, with the context already on the household, so your advisors spend their day on advice and growth.
You set the investment policy. Each night Athena manages a household’s taxable, Traditional, and Roth accounts together — rebalancing when risk drifts, placing assets by tax treatment, harvesting losses, and putting idle cash to work — and your advisors see only the exceptions.
Not one by one. Rebalancing and tax-loss harvesting run overnight to the policy you set, and exceptions come to your team each morning in Mission Control.
Every household gets a plan that stays current on its own: Athena simulates the years ahead from the household’s data and ranks the next steps that help most, from the cash cushion to retirement and Social Security. Your advisors step in on the exceptions.
Yes. Each recommendation comes from engines with recorded inputs and methodology, so your team can see why a household got the next step it did.
Ads that open your app. Athena writes each ad from your firm’s approved claims and publishes it to Facebook, Instagram, TikTok, Google, LinkedIn, and YouTube once you approve it. Every click lands in your branded wellness app, not a form.
They stay in your app, using it under your brand and hearing from your firm, so your firm is the first call when they’re ready — on the second visit or the tenth.
No. Athena writes the creative, publishes it across every platform, and brings each new household onto the record your team already uses, so you grow without adding staff.
Yes. Athena maintains SOC 2 Type II compliance and runs on Amazon Web Services. The details are on the Security page.
Book a demo. We’ll map your book and your first weeks on top of Schwab. Most firms start with Mission Control and the client app, then add investing.
Yours. The client app, the chat, email, and ads all carry your firm’s name. Athena is the platform underneath.
Send us a message from the Contact page and a member of the team will get back to you. Your clients get help in the app, from Athena AI and from your advisors.