More than twenty advice engines run on the household
They cover life domains, retirement, Social Security, education, tax, debt, cash, insurance, home, and estate.
Planning
The plan keeps working between meetings.
Athena ranks next steps by Health so the client always has one next move, explained in your firm’s voice. Advisors do not have to write that content before every meeting, because the next conversation is already queued.
Book a demoOn the household
Planning stays on between meetings, instead of living in a once-a-year PDF.
This is product structure, not a pitch deck: engines across life domains, a seven-domain resilience score, and one ranked next-dollar allocator. You do not write a new plan before every meeting, because the next move is already ranked.
Health is a seven-domain score
The Financial Resilience Score covers cash, spending, debt, savings, retirement, habits, and insurance.
One allocator ranks the next dollar
The next dollar has a job. Match, debt, Roth, pretax, 529s, and cash compete in one ranking.
The plan stays on between meetings
Planning runs between meetings, next steps, resilience, and chat grounded in audited methodology.
Life domains
It covers retirement, tax, education, debt, cash, insurance, home, and estate.
This is not a checklist of calculators. It is connected engines on one household model.
Retirement
Retire age, wealth needed, sustainable spend, and how long money lasts, solved against household scenario projections, not a static rule of thumb.
Social Security
Claim-age enumeration for the household (including spousal and survivor logic) with an optimal scenario grounded in ending wealth.
Education & 529s
College funding needs, how much excess cash should go to 529s, and state tax-benefit plan recommendations with deep links.
Tax strategy
Pretax vs Roth targets, backdoor Roth amounts, asset location, and tax-aware rebalance and harvesting, planning that connects to investing.
Debt & credit
Refinance gates, consolidation, accelerated payoff order, utilization and score-change attribution, advice clients can act on in-product.
Cash & emergency
Buffer-day targets, emergency-fund ratings, and ranked allocate-liquidity so the next dollar has a job.
Insurance & home
Term life needs analysis, healthcare plan cost comparison, home affordability ranges, and refinance recommendations with live offers where available.
Estate & documents
Advisor document packets → structured financial plans covering wills, trusts, POAs, insurance, education, RMDs, and Medicare flags, then a publishable report.
Health roadmap
Next steps show up one at a time, ordered by impact.
The client Health experience ranks recommendations by impact: capture match, fix cash, attack high-cost debt, fund college, close insurance gaps. Clients always know the next move; advisors aren’t the content desk.
- Prioritized recommendations from the advice engine
- Financial Resilience Score with domain breakdown
- Chat that explains the why in firm voice
HealthNext step
Capture match — next
Financial Resilience Score
Clients get a living health score, not a binder.
Seven weighted domains produce a 0–100 score with GREEN / YELLOW / RED bands. Defaults target ~90 days of cash buffer, meaningful savings and retirement contribution rates, and insurance coverage vs need, adjustable for retired or already-funded households.
Score and steps are related but distinct: the score measures posture; the opportunity engine ranks what to do next.
| Weight | Domain | What it measures |
|---|---|---|
| 25% | Cash safety net | ~90 buffer days (180 if retired) |
| 20% | Spending control | Expenses vs income posture |
| 20% | Debt progress | On-time and extra payments |
| 15% | Savings rate | Toward household targets |
| 10% | Retirement progress | Contribution path vs goal |
| 5% | Habits | Engagement that compounds |
| 5% | Insurance | Life coverage vs need |
Next dollar
Where should this cash go? Athena ranks the options.
Athena’s allocate-liquidity engine scores debt (including overdue), employer match, Roth and pretax, 529s, and new accounts, then fills destinations by after-tax benefit and household wellness. Typical planners stop at a chart. Athena places the dollar.
- Employer match before optional debt theater
- Roth vs pretax targets by age and tax bracket
- College and emergency funding in the same ranking
- After-tax benefit and household wellness in one score
Allocate liquidity$2,400 left
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01Employer match After-tax benefit first$0
-
02High-cost debt Overdue and APR order$0
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03Emergency fund Buffer days on target$0
-
04Roth 401(k) Bracket and age target$0
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05529 college Same ranking as cash$0
Placing into employer match
How planning runs
From the household model to simulation, solvers, and a roadmap.
The household model is the source
People, accounts, cashflows, credit, and goals live in one engine model for the whole relationship.
Scenario simulation runs on that model
It projects year-by-year wealth, Social Security, taxes, RMDs, and contributions across poor, average, and good paths.
Advice solvers produce the next step
Deterministic engines search retire age, SS claiming, contributions, liquidity, debt, and insurance, then write audited methodology.
The roadmap and chat use those numbers
Impact-ordered next steps and a resilience score live on Health. Firm-voice AI explains the math. It does not invent numbers.
Deep surfaces
Solve the plan, then produce the packet.
There are two modes advisors care about: household solvers clients feel every day, and document-to-plan automation when a packet arrives.
Retirement & SS
Retire-age search, Social Security claiming combinations, contribution levels, and sustainable spend all run against household scenario projections. Advisors and clients get implementable recommendations with methodology they can audit.
- Couple-aware Social Security and survivor need
- Contribution search until the projection clears
- Sustainable spend and money-longevity answers
A document can still become a plan
For advisor workflows, Athena’s financial-plan automation turns statements, tax docs, estate documents, and insurance policies into a structured plan, then a publishable report.
- Document extraction → structured Financial Plan
- Wills, trusts, POAs, and insurance coverage
- Advisor chat over the plan, not a blank page
Liquidity
Debt, match, Roth, pretax, 529s, and emergency cash compete in one ranking so surplus has a job between meetings.
- Ranked allocate-liquidity across life domains
- Connected to Health roadmap actions
- Visible in the same platform as investing tax location
Tax-aware by design
Planning that doesn’t stop at the portfolio tab.
Asset location, utilization-aware tax-loss harvesting, and gain-budgeted rebalancing sit in the same platform as retirement and cash advice. The plan and the book stay aligned. You supervise that in Mission Control, instead of stitching it across vendors.
Chat does not invent the numbers
Advice sections inject computed methodology reports into firm-voice AI. Clients get answers on retirement, cash, estate-adjacent topics, and next steps, with a path to a human when judgment is required.
Why this beats suite planning
Plans that only project are table stakes, and plans that act win the book.
Orion, Advyzon, and Nitrogen lead with advisor planning modules and tax/income centers. Athena’s edge is sharper: simulation-backed solvers, a ranked next-dollar allocator, and a client Health roadmap that keeps every household moving without proportional advisor hours.
| Theirs | Athena | |
|---|---|---|
| Orion Planning | Hybrid planning tied to portfolio data in the suite. | Always-on client roadmap + sim-backed solvers + tax-aware investing on the same platform, not only an advisor module. |
| Advyzon Goals | Goals-based investing conversations inside the all-in-one. | Debt, credit, college, cash, insurance, and retirement as first-class client actions, ranked by impact. |
| Nitrogen Centers | Strong Income / Tax Centers for advisor conversations. | Tax and income inside the same platform: Health score, liquidity allocator, communication, and supervised investing. |
| eMoney / RightCapital | Deep plan PDFs and Monte Carlo storylines for meetings. | Planning that runs between meetings, next steps, resilience, and chat grounded in audited methodology. |
Planning questions buyers ask first.
Is this another goals-based planning module?
No. Athena planning is a platform: household simulation, ranked next actions, a financial resilience score, firm-voice chat, and tax-aware investing, with advisor document planning when a packet arrives.
Do you replace eMoney or RightCapital?
Many lean teams run Athena as the always-on planning layer for high client counts. Firms with deep estate/specialty planning can keep specialist tools, Athena still carries day-to-day guidance and the client Health experience.
Is advice made up by an LLM?
Numbers come from deterministic engines and scenario simulation. Chat explains audited methodology reports in the firm’s voice, it doesn’t invent balances or claim ages.
What’s the Financial Resilience Score?
A 0–100 composite across cash buffer, spending, debt, savings, retirement, habits, and insurance, with GREEN / YELLOW / RED bands and impact-ordered recommendations on the Health screen.