Meet your copilot

Athena.

Your money has been thinking.

She reads your transactions, your portfolio, every filing, every analyst note, every news headline. Then she tells you the one thing you should know — in plain English.

Talk to Athena → How she works

Athena

Always thinking

Live

Should I rebalance my portfolio this month?

Stocks are at 54% (target 50%) thanks to NVDA running. Yes — I'd trim ~$2,400 of NVDA and shift it into VOO and bonds. That keeps your beta close to 1.0 and locks in some gains. Want me to set up the trades?

What about taxes?

Good catch. Selling $2,400 of NVDA at $487 → ~$640 short-term gain. Wait 3 weeks for long-term treatment and you save $108 in tax. I can schedule the trade for Nov 24.

Schedule it.

✓ Scheduled. I'll execute Nov 24 at market open and confirm with you.

What she does

Five jobs you'd hire five people for.

Athena is a portfolio manager, a budget analyst, a research analyst, a tax strategist, and an alerter — all the same screen.

Reads every filing

10-Ks, 10-Qs, 8-Ks, proxy statements. Athena flags the language that matters — risk shifts, guidance changes, insider activity.

Explains your spending

"Dining is up 40% this month — three weekends with friends. Anything you'd cut?" Conversational, not nagging.

Suggests the trim

When a position is overextended, she flags it — with the rationale, the entry/exit logic, and the tax implication.

Watches your goals

House fund, emergency reserve, retirement glide-path. She nudges you when you're behind, celebrates when you're ahead.

Optimizes for tax

Wash-sale-safe harvesting. Long-term-vs-short-term suggestions. Roth conversion windows. Whatever you'd pay a CPA to know.

Just talk to her

"Can I afford a $4,000 vacation in March?" "Should I sell TSLA?" Real questions, real answers, with your real numbers.

Try asking

Things people actually ask Athena.

"Why is my dining budget always over?"

"Should I take profits on NVDA?"

"Can I afford a $4,000 vacation in March?"

"What subscriptions can I cancel?"

"Summarize Apple's Q3 earnings call."

"Am I on track for a house in 3 years?"

"Explain the Fed's last rate decision."

"Did I overspend this month?"

How Athena learns

She gets smarter the more you use her.

Athena learns your spending patterns, your risk tolerance, your goals, and how you actually make decisions. The longer she watches, the better her advice.

1
Day 1: She asks the basics — risk tolerance, goals, time horizon, accounts you want connected.
2
Week 1: She categorizes 90 days of transactions, learns your spending baseline, and finds the obvious wins.
3
Month 1: Patterns emerge. She starts proactively flagging things — overspending, opportunities, drift.
4
Forever: She remembers what you said yes to, what you ignored, and what you regretted. Her recommendations get you-shaped.

Privacy by design.

Athena reads your data, but she doesn't share it. Your transactions, holdings, and conversations stay in your account.

✓ Bank-level (256-bit AES) encryption
✓ Read-only access to brokerages — Athena cannot move money without your tap
✓ Your data is never sold, never shared with advertisers
✓ Delete your data anytime — fully and permanently
✓ SOC 2 Type II audited (in progress)