Grow your book. Not your inbox.

What your firm gets

Smaller accounts become a growth engine

With Athena, every household gets the same attention, next steps, and follow-up as the top of your book. That means you can say yes to the smaller accounts you used to turn away — the next generation of clients who will grow with you — and serve them well from day one. Your hundredth smaller account takes no more of your day than your tenth.

These are the households that become your best clients over the next decade. A young doctor paying down loans, the children of the families you already serve, a couple saving for their first home — each one gets a Health score, a clear next step, and answers in your firm’s voice from the day they join. When their balances grow and their questions get bigger, your team is already the advisor they trust.

The economics finally work in your favor. Athena does the everyday work that used to make a smaller relationship unprofitable, so every new household adds to your revenue without adding to your headcount.

An app your clients will love

Your clients get one place for their whole financial life, under your name: net worth, cash flow, debt, and credit across every linked account, a Health score that rises as they make progress, and one clear next step at a time. Athena AI answers their questions in your firm’s voice and brings in your team whenever judgment is needed.

Budgets, investing, debt payoff, and credit all live side by side, so a client can see how one decision moves everything else. Every action they take shows up in their Health score, and every next step is one your team would recommend. It feels like having your firm in their pocket.

It is the reason clients open your app every week — and the reason they stay with your firm.

Questions that never reach your inbox

The questions that used to fill your team’s inbox now get answered the moment a client wonders. Clients check the app, get a clear answer in your voice, and move on with their day. Your advisors hear about the moments that need a person, and nothing else.

When a question does call for judgment, Athena AI brings in your team with the full context already gathered, and your advisors approve every reply before it goes out. The result is a quieter inbox and better conversations — every message your team does see is one worth their time.

Start every day knowing who needs you

Mission Control is your team’s home base. Open it in the morning and see exactly which households need a person today, with the full picture beside each one. Everything else is already handled, so your advisors spend their time on relationships, planning conversations, and new clients.

Each household’s Health score tells you at a glance who is thriving and who could use a call. The ones who are drifting rise to the top, and your team reaches out before a small issue turns into a hard conversation. Your best advisors spend their day on the work only they can do.

Clients who stay for the long run

Clients who open your app every week think of your firm every week. They see their net worth climb, their debt shrink, and their Health score rise — and they connect every bit of that progress to you. When it is time for a rollover, an inheritance, or a home purchase, your firm is the first call they make.

• Engaged every week

  A Health score that moves and one clear next step keep clients coming back.

• Whole families on board

  Spouses and children join the same app, so the relationship carries to the next generation.

• More referrals

  Clients who love the app share it, and every invite lands under your brand.

New clients find you

Athena turns your app into your best growth channel. 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 are — and they become clients on the same record your team already knows.

Prospects can use the app before they are clients, and they open and fund a Schwab account right in the app when they are ready. Every ad dollar builds a relationship with your firm, not a lead list that goes cold.

Built for the book you’re growing into

Athena already runs at the scale your firm is headed for: 597K+ end-user accounts and $7B+ in assets on the platform, 99.9% historical uptime, and more than 50K AI conversations with clients. Add households by the hundred and the experience stays just as fast, just as personal, and just as clearly yours.

Works with what you already have

Custody stays at Schwab. If a portal already delivers your statements and documents, keep it for that. Athena is the app your clients use every week in between, and the one your new clients start in.

Athena at a glance