Client app
A firm-branded app for the whole money life.
Clients open one app for net worth, health, investing, debt, cash, and answers in your voice. Prospects can start in the same app, then open and fund when they are ready. Routine questions stay in the app instead of landing in your inbox.
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The household portfolio lives in one place.
Clients see total portfolio value, composition, and every account (brokerage, 401(k), IRA) without a separate custodian login. Performance sits next to health, debt, and chat. Clients can check their own accounts, so they stop asking you for a balance.
- Household view of every investment account
- Performance and composition in one surface
- The same record as the rest of the money life
Health roadmap
Clients get one next step, ordered by impact.
Clients get a personalized financial roadmap and a resilience score, so they see progress instead of drowning in options. Retirement, debt, and savings sit on one Health surface, and the next conversation is already queued. Clients build a habit in the app, so you do not have to write that content before every meeting.
- Recommendations are ordered by impact
- Progress is visible, and they can finish it
- The Health score is something clients can actually move
Debt & credit
Guidance that goes beyond the portfolio tab.
Most RIA portals stop at investments. Athena puts credit score, utilization, and debt guidance in the same app, the topics that drive real-life decisions and inbox volume. Clients finish these actions in the app, without booking a meeting.
- Credit monitoring and utilization context
- Debt review connected to the broader plan
- Payoff order clients can follow themselves
Budget
They can act on cash and spending without leaving the app.
Buffer-day targets, left-to-spend, and recent activity live next to the plan, not in a separate consumer budget app. Clients see the month in the same place they see net worth and health. Clients see cashflow here, so they do not need a second budget app.
- Left to spend against the household budget
- Category bars clients recognize from their money life
- Recent activity on the same record as the plan
AI chat
Always-on answers, in your firm’s voice.
When clients ask about retirement, cash, or the next step, they get personalized answers grounded in their household. Core numbers come from the planning engines. When judgment is needed, the path escalates to your team with context. This is AI that clients actually use, not an advisor-only copilot. Routine questions never become tickets.
- Methodology-backed guidance, not invented numbers
- Pinned cards that match what clients see in-app
- Keeps small accounts from going silent between meetings
Client experience FAQs
Is this the Athena login for our firm?
No. Mission Control is what advisors open. The client experience is what your clients and prospects open, under your brand.
How is this different from our Orion or Advyzon client portal?
Suite portals excel at portfolio performance, statements, and documents. Athena is built for daily money-life engagement: debt, credit, cash, retirement actions, health roadmap, and firm-voice AI, so clients spend time in-app instead of in your inbox.
How do you compare to Monarch or Origin?
Those are consumer apps optimized for the consumer (and, for Origin, competing for the advisory relationship). Athena delivers similar breadth of personalized guidance as a firm-owned experience, with a path to managed accounts and human escalation to your team.
Can we use it as a free financial wellness app for prospects?
Yes. That is a core growth pattern. The app can sit at the top of the funnel. Your firm still runs Athena. Prospects engage before they become clients, then open and fund in the same app.
Does AI invent advice numbers?
Core recommendations come from deterministic planning and simulation engines. Chat explains audited methodology in your firm’s voice and escalates when judgment is required.
How does this increase AUM with less advisor time?
Self-serve deflection frees capacity for more clients. The wellness funnel and in-app open and fund grow the book. Mission Control and investing automation keep ops from scaling linearly with AUM.