Planning
Athena ranks next steps by Health so the client always has one next move, explained in your firm’s voice. The next conversation is already queued on the household. You do not write a fresh packet before every meeting. Between reviews, the plan keeps working in the client app while you supervise the book in Mission Control.
Book a demoOn the household
More than twenty advice engines run on the household across retirement, Social Security, education, tax, debt, cash, insurance, home, and estate. Health is a seven-domain Financial Resilience Score covering cash, spending, debt, savings, retirement, habits, and insurance. One allocator ranks the next dollar so match, debt, Roth, pretax, 529s, and cash compete in a single ordering. Planning, next steps, resilience, and chat stay grounded in audited methodology, not a once-a-year PDF you rebuild by hand.
Life domains
Connected engines share one household model. Retire age, wealth needed, sustainable spend, and how long money lasts are solved against scenario projections. Social Security claim-age enumeration covers the household, including spousal and survivor logic, with an optimal scenario grounded in ending wealth. Education work covers college funding needs, how much excess cash should go to 529s, and state tax-benefit plan recommendations with deep links. Tax strategy covers pretax vs Roth targets, backdoor Roth amounts, asset location, and tax-aware rebalance and harvesting that connect to investing. Debt and credit cover refinance gates, consolidation, accelerated payoff order, and utilization with score-change attribution clients can act on in-product. Cash and emergency cover buffer-day targets, emergency-fund ratings, and ranked allocate-liquidity. Insurance and home cover term life needs, healthcare plan cost comparison, home affordability ranges, and refinance recommendations with live offers where available. Estate and documents turn advisor packets into structured plans covering wills, trusts, POAs, insurance, education, RMDs, and Medicare flags, then a publishable report.
Health roadmap
The client Health experience ranks recommendations by impact: capture match, fix cash, attack high-cost debt, fund college, close insurance gaps. Prioritized recommendations, a Financial Resilience Score with domain breakdown, and chat that explains the why in firm voice sit on the same surface. Meetings open on the ranked next step instead of a blank page.
Capture match — next
Financial Resilience Score
Seven weighted domains produce a 0–100 score with GREEN / YELLOW / RED bands. Defaults target about 90 days of cash buffer (180 if retired), meaningful savings and retirement contribution rates, and insurance coverage versus need, adjustable for retired or already-funded households. The score measures posture. The opportunity engine ranks what to do next. Those are related jobs, not the same number twice.
| 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
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. Employer match comes before optional debt theater. Roth versus pretax targets follow age and tax bracket. College and emergency funding sit in the same ranking. Typical planners stop at a chart. Athena places the dollar.
Placing into employer match
How planning runs
People, accounts, cashflows, credit, and goals live in one engine model for the whole relationship. Scenario simulation projects year-by-year wealth, Social Security, taxes, RMDs, and contributions across poor, average, and good paths. Deterministic advice solvers search retire age, Social Security claiming, contributions, liquidity, debt, and insurance, then write audited methodology. Impact-ordered next steps and the resilience score live on Health. Firm-voice AI explains the math. It does not invent numbers.
Deep surfaces
Retirement and Social Security search retire age, claiming combinations, contribution levels, and sustainable spend against household scenario projections, with couple-aware survivor need and methodology advisors can audit. When a packet arrives, financial-plan automation turns statements, tax docs, estate documents, and insurance policies into a structured Financial Plan, then a publishable report, so advisor chat starts over the plan instead of a blank page. Liquidity keeps debt, match, Roth, pretax, 529s, and emergency cash in one ranking connected to Health roadmap actions and visible on the same platform as investing tax location.
Retire-age search, Social Security claiming combinations, contribution levels, and sustainable spend run against household scenario projections, with couple-aware survivor need and methodology advisors can audit.
Financial-plan automation turns statements, tax docs, estate documents, and insurance policies into a structured Financial Plan, then a publishable report, so advisor chat starts over the plan instead of a blank page.
Debt, match, Roth, pretax, 529s, and emergency cash stay in one ranking connected to Health roadmap actions and visible on the same platform as investing tax location.
Tax-aware by design
Asset location, utilization-aware tax-loss harvesting, and gain-budgeted rebalancing sit in the same platform as retirement and cash advice. You supervise that in Mission Control. 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.
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
Orion, Advyzon, and Nitrogen lead with advisor planning modules and tax/income centers. Athena’s edge for a lean book is 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. |
Athena planning is household simulation, ranked next actions, a financial resilience score, firm-voice chat, and tax-aware investing, with advisor document planning when a packet arrives. It is built for the week between meetings, not only the annual packet.
Many lean teams run Athena as the always-on planning layer for high client counts. Firms with deep estate or specialty planning can keep specialist tools. Athena still carries day-to-day guidance and the client Health experience.
Numbers come from deterministic engines and scenario simulation. Chat explains audited methodology reports in the firm’s voice. It does not invent balances or claim ages.
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.
