A living plan for every household

What your firm gets

• A plan for every household

  Every client gets a living plan, including the smaller accounts you could never build one for.

• Clients who act

  Ranked next steps in your app keep households moving between meetings.

• Advisors on judgment

  Your team works the exceptions instead of producing plans.

• Advice you can explain

  Consistent recommendations, tied to inputs, explained in your firm’s voice.

Every household gets a plan, automatically

Building a full plan for every household has never been possible with the team you have, so most firms save it for the top of their book. Athena changes that math. Every household gets a plan the moment its accounts are linked, and it keeps itself current as balances, income, debts, and goals change.

That means your hundredth smaller account is on a plan just like your largest client — with no advisor hours spent producing it. You can say yes to the next generation of clients and serve them well from day one.

It also changes what a book can hold. When the plan produces itself, each advisor can serve more households without the quality slipping, and the accounts that used to be “too small to plan for” become the ones that grow into your best relationships. Athena already runs across more than 597,000 end-user accounts and $7 billion in assets, so the same planning your largest clients get is ready for every household you add.

A plan that grows with the household

A plan document captures one moment. Athena’s plan follows the household from the day its accounts are linked to every review after, and gets more useful each time something changes.

The household never waits a year for its plan to catch up, and your team never rebuilds one from scratch.

Clients act between meetings

Between meetings, your clients get a Health roadmap in your app: their score, and their next steps in order of priority. Each step is tied to their real numbers, comes with a clear explanation, and moves their score when they act on it.

When a client asks why, Athena AI explains the recommendation in your firm’s voice. When a question needs judgment, it brings in your team. The plan keeps working when your calendar is full, and your advisors walk into every review already knowing what changed.

Reviews that show progress

When clients act between meetings, reviews stop being a reset. Your advisor opens the conversation with what the household accomplished — the emergency fund that’s now full, the debt that’s paid down, the score that climbed — and spends the hour on what’s next.

That changes how clients feel about your firm. They see their own progress in your app every week, and they come to each review with momentum instead of a stack of questions. Households that see progress stay, add assets, and tell their friends.

Advice you can explain and defend

Athena keeps the roles clear, which is what your compliance team wants to hear:

1. 01

   Engines recommend

   Planning engines and simulation produce each recommendation from the household’s inputs — repeatable and auditable.

2. 02

   AI explains

   Athena AI explains the recommendation in your firm’s voice. It doesn’t invent the advice.

3. 03

   Your team decides

   Exceptions, off-policy situations, and relationship calls go to a person in Mission Control.

The result is the same quality of advice for every household, and an answer ready when anyone asks how a recommendation was reached.

What the plan covers

The plan covers a household’s whole financial life, not just the portfolio:

• Retirement and Social Security

  When the household can retire, what it can spend, and when to claim Social Security, including spousal and survivor benefits.

• Where the next dollar goes

  Emergency fund first, then the right order across debt, employer match, Roth or pre-tax, 529s, and new accounts.

• Debt and credit

  Refinance and payoff steps, with credit progress the client can watch.

• Tax-aware choices

  Roth versus pre-tax contributions and taxes inside the retirement projection. Not a replacement for a tax preparer.

• Home and protection

  Home affordability and life insurance needs, alongside the rest of the plan.

• Everyday resilience

  Cash safety net, spending, savings rate, and habits, all part of the client’s Health score.

Investing follows the same approach. See the tax-aware ETF methodology for how household portfolios are managed overnight.

Your advisors work the exceptions

Your advisors don’t re-run plans. Mission Control, your team’s home base, shows which households need a person today, with the plan context and recent activity beside each one. Replies Athena drafts to client email wait in your advisor’s mailbox for approval. Everything else keeps running, so your team spends its day on the conversations that grow relationships.

A plan that works around the clock

The plan doesn’t keep office hours, and neither does the value your firm delivers. While your team focuses on the households that need them, every other household keeps moving forward under your brand.

Your clients get a plan that’s always current, your advisors get a day built around the conversations that matter, and your firm gets advice that scales with your book.

Athena at a glance