By household and step
Counts split across harvest, account placement, rebalance, and cash, so you see who moved.
Athena AI
Ask about the book in your firm’s voice.
Clients ask about their money and get answers under your brand. Advisors use the same chat on every Mission Control screen. You can ask what traded last night, why an item is waiting, or what a client already heard, without rebuilding the story from a trade blotter. Athena sits on household data and the investment policy. It drafts and explains. You still approve, change, or escalate before anything that needs judgment reaches the person.
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Financial Advisor AI
Chen household · Accounts linked
Popular questions to get you started
Demo of the same Financial Advisor AI clients open. Not a live household.
Mission Control
Chat sits on the page you already have open.
Trading, exceptions, email, and conversations each have Athena AI on that screen. Ask what ran overnight, why something is open, whether a series landed, or what a client already heard. The answer uses the record on that page. You stay on the household you already opened. You do not bounce to a second chatbot to re-explain context.
Advisors ask in four places. The client chat is above. These are the advisor screens, with the same household attached.
Trading
Monday: what did last night’s investing run actually do?
The investing engine harvests losses, places assets in the right accounts, rebalances, and reinvests overnight. In Mission Control you ask instead of rebuilding that story from a trade list. Athena reads the overnight run: how many households traded, which accounts moved, which harvests stayed in the same asset class, and which items need review.
Typical questions include what ran last night, whether Chen harvested a loss, which households sold to raise cash, and whether the book stayed inside the investment policy. The answer names households and the step that ran, not a generic “trades posted.”
Mission Control · TradingOvernight run
Households traded142
Harvest86
Place / rebalance43
Exceptions3
| Household | Stage | Status |
|---|---|---|
| Chen | Harvest · US equity | Wash-sale hold |
| Hale | Cash raise | Waiting for you |
| Rest of book | On policy | No trade needed |
Harvests that keep exposure
Chen’s lot was sold and a peer fund in the same asset class was bought; wash-sale rules were checked across taxable, Traditional, and Roth; market exposure did not change.
Cash in the same run
Thirteen households raised cash using available cash first, then tax-aware sales; Hale is still open because the request is over the firm limit.
What stayed quiet
Most of the book did not need a trade. That quiet is a result. The only rows that need you are the exceptions.
Mission Control · ExceptionsNeeds approval
Hale household
Cash request · above the firm limit $7,400 cash used first. Tax-aware sells staged. Roth untouched. Waiting on you.1Available cash used
2Tax-aware sells staged
3Advisor approval
4Release to custodian
Exception review
Ask why it is waiting while the household is already open.
Routine harvests do not need you. The items that do, a wash-sale hold, a cash request over the firm threshold, a lot that cannot be sold, open with context. Chat on the exception page tells you why the engine stopped, what it already tried, and what is staged for your approval.
You see the investment policy note, the cash already used, the tax-aware sales queued, and the last client conversation on the same household. Approve it, send it back, or ask a follow-up. Hale went over the firm limit; that is why this row is in the queue. Sales are queued in tax order (losses first, then gains, restricted lots skipped; Roth protected). Nothing has gone to Schwab yet. Last night’s AI conversation sits beside the decision, so you see what Hale already heard before you approve the cash request.
Why this household is open
Hale went over the firm limit; that is why this row is in the queue. The engine already used available cash and staged the tax-aware sales.
What is waiting
Sales are queued in tax order (losses first, then gains, restricted lots skipped; Roth protected). Nothing has gone to Schwab yet.
Last client conversation on the record
Last night’s AI conversation sits beside the decision, so you see what Hale already heard before you approve the cash request.
Email effectiveness
Ask whether the series actually landed.
Outbound email lives on the household, not in a separate email tool you check after the meeting. On the email screen, ask how a series performed: who it was sent to, who opened it, who replied, who booked a meeting, and who asked the client AI the same night. Ask who was held back because of an exception.
The point is not a vanity open rate. It is whether the review email started a next conversation, and whether a household that should have received it was sitting in the exception queue instead.
Clients on the Q2 review series
Opened the review in the first two days
Wrote back on the household thread
Booked from the same send
Mission Control · EmailQ2 review series
- ChenOpened 7:14 p.m. · asked the client AI about a 401(k) rollover the same night
- HaleHeld back · open cash request, series not sent
- Rest of send12 replies · 3 meetings · no other same-night AI threads
Chat review
Walk into the next call already knowing what they heard.
Client AI history lives on the household. On the conversation page, ask what they asked this week, whether the answers stayed on plan, what you rated, and what to pick up on the next call. You are not hunting a transcript in another product.
If a client asked to talk to a person, that request is on the same record. If an answer used the retirement projection, you can see it. If you left a comment, the next person who opens the household sees it.
Mission Control · ConversationsChen household
This week2
RatedOn plan
Comments1
Human askNone
- YesterdayCan I retire at 62? · projection on file · rated on plan
- Tuesday401(k) rollover after the Q2 email · comment saved: pay the highest-rate debt first
Questions in order
Tuesday was the rollover. Then they asked about retiring at 62. Both answers used the plan on file; the numbers came from the planning engines.
Ratings and comments on the thread
You rated the retire-at-62 answer as on plan and left a note on the rollover thread.
What to pick up on the next call
Start the next call with the rollover they asked about after the review email. They already heard that 62 still works if the 6.8% mortgage is refinanced first.
Client AI
Clients get firm-voice answers between meetings.
The client app is the other side of the same layer. Clients ask about retirement, Social Security, contributions and the employer match, allocation and risk, opening a managed account, cash, Roth versus pretax, debt, credit, term life, healthcare documents, housing and mortgage, 529 college accounts, budget, estate basics, net worth, and what Athena did this week. They can email a recommendation or ask to talk to a person.
The voice is the firm’s, shown under your brand. Numbers come from the household and the planning engines. The conversation is stored on the household record you open in Mission Control. Small accounts stay engaged without a ticket for every balance question.
- Chat clients use, not an advisor-only copilot
- Answers use your firm’s voice on the plan and accounts
- Path to a person when they want one
- Advisors review the same conversation in Mission Control
How it stays safe
The engines decide the numbers. The model explains them.
Core recommendations come from planning and investing engines, not from the model inventing balances, accounts, allocations, or ages. The model writes the answer in the firm’s voice. Advisors review, rate, and comment in Mission Control. People take the edge cases.
- The engines propose the numbers
- The model explains them in the firm’s voice
- Advisors review, rate, and comment on the answers
- Judgment stays with the advisor
AI questions buyers ask
Intelligence lives on the platform, not in a chatbot beside it.
What clients can ask, what you ask in Mission Control, and what the model is not allowed to invent.
Is advice invented by the model?
Core recommendations come from deterministic engines and simulations. The model explains them in the firm’s voice. It does not invent balances, accounts, allocations, or ages.
What can I ask in Mission Control?
On trading, what the overnight run did. On exceptions, why a household is open and what is waiting. On email, whether a series landed and who followed up. On conversations, what the client already heard and what to pick up.
Does every Mission Control page have chat?
Yes. The assistant is on the page you are already on, so the answer uses that record instead of sending you to a second tool.
Does client chat stay visible to the advisor?
Yes. Client AI history lives on the household. Ask the conversation page what they asked this week, then pick up the same story on the call.
Can advisors review or rate answers?
Yes. Conversations are stored. Mission Control can review, rate, and comment so supervision stays on the household record.
What happens when a client wants a person?
They can talk to a professional or schedule a meeting. That request sits on the household with the thread, so you are not starting from a blank page.