Their daily app. Under your brand.

What your firm gets

• Your brand, every day

  The money app your clients open every week carries your firm’s name — not a consumer app’s.

• The next generation, first

  Win younger households and your clients’ heirs before a consumer app or an online advisor does.

• Growth without more staff

  Athena AI and timely guidance handle the everyday, so your team sees only the households that need a person.

• Ads that land in your app

  Prospects arrive in your branded app, get value on day one, and become clients on the same record.

Whose brand your clients see

Monarch is a well-loved, ad-free money app for budgets, spending, net worth, and investment tracking, with a shared view for couples. Its program for professionals lets you sponsor a client’s subscription for $14.99 a month and see their accounts from an advisor dashboard. It is a real way to sit beside a habit your clients enjoy — and the app they open is still Monarch.

Origin is a consumer app with an AI financial advisor, budgeting, forecasting, investing, and estate planning, sold to households and through employers under Origin’s own brand.

With Athena, your clients get that same everyday money app — net worth, cash, debt, credit, and a Health score that moves as they act — under your firm’s brand. Every week they open it, they are hearing from you.

That weekly moment is the most valuable real estate in your client relationship. It’s where a household notices a cash surplus, sees its Health score climb after paying down a card, or asks whether it can afford the kitchen remodel. When that happens in your app, your firm gets the credit, the conversation, and the next account. Clients who feel looked after every week, not just at the annual review, stay longer and refer more.

Who the advisor is

Monarch gives households financial information and tools rather than personalized investment advice, so the advice still has to come from somewhere else.

Origin is the advisor. Its investment advice comes through Origin Investment Advisory, its own SEC-registered investment adviser, with an AI advisor in the app and paid sessions with Certified Financial Planners. A household that trusts Origin already has an advisor — and it isn’t your firm.

With Athena, your firm is the advisor. Athena AI answers your clients’ everyday questions in your firm’s voice, any time of day, and brings in your team when judgment is needed. The trust your clients build in the app is trust in you.

It also means a quieter inbox. The everyday questions — “What’s my balance?”, “Did my transfer go through?”, “Am I on track this month?” — are answered in seconds with the household’s own numbers. Your advisors hear about the moments that need them, with the context already in Mission Control, so your team can serve more households without adding staff.

Investing and the household record

Monarch tracks the accounts a household links, and it doesn’t manage the money. Origin manages money for its own clients, with DriveWealth as custodian.

With Athena, investing runs under your firm, on Schwab, with one overnight policy across taxable, Traditional, and Roth accounts. And every household lives in Mission Control, your household CRM, so your team works from the same record your clients see in the app.

What stays yours

A consumer app can be a great product and still leave your firm on the outside of the relationship. With Athena, everything that makes a client relationship valuable stays with your firm.

• Your brand

  Your firm’s name and look on the app, the guidance, and every message — so the habit your clients build points back to you.

• Your relationship

  Your firm is the advisor of record and the voice in the app. There’s no second advisor in your client’s pocket.

• Your household record

  Every household lives in Mission Control, your household CRM, so your team works from the same picture your clients see.

• Your advice

  Investing runs under your firm on Schwab, and Athena AI answers in your firm’s voice, with your team behind it.

When the relationship, the record, and the advice all sit under your brand, each week of client engagement compounds for your firm — in retention, in referrals, and in the next generation of the household.

Where new clients come from

Monarch and Origin both grow by winning households directly — the same households your firm wants next.

With Athena, your ads on Facebook, Instagram, TikTok, Google, LinkedIn, and YouTube bring prospects straight into your branded app, where they get real value on day one. The ones who are not ready yet stay in your app, hearing from your firm, until they fund — and they become clients on the same record your team already knows.

The same app that delights your current clients becomes your firm’s best growth engine. Younger households who would have picked a consumer app on their own find yours instead, build the weekly habit with your firm, and grow into wealth clients on your books. Read how it works in From ad to wealth client.

Questions to ask before your clients choose an app

Your clients will pick a money app either way. These are the questions that decide whether that choice builds your firm.

• Whose name is on the app your clients open every week?

• Who answers when a client has a money question at 10 p.m.?

• Is your firm the advisor inside the app?

• Does your team work from the same record clients see?

• Will the app help you win your clients’ children?

• Do new households who find the app become your clients?

Athena is built so the answer to every one of them is your firm. Compare it with portals and wellness apps for the wider landscape.

Athena beside Monarch and Origin