Athena Wealth Management

Athena Wealth Management provides financial planning, investment consultation, and investment management to individual investors as well as trusts, estates, charitable organizations, and small businesses. The firm reports that roughly 60% of its activity is financial planning (including budgeting, education, insurance and estate/tax considerations), with the remainder split between periodic investment consultation and managed accounts; it does not take custody of client assets.

The firm describes its investment approach as rooted in Modern Portfolio Theory, favoring low-cost, long-term, diversified allocations built with ETFs and index funds and using low-correlated assets to manage volatility; it generally documents objectives and constraints in an investment policy statement and conducts periodic reviews. Athena emphasizes cost control and tax-efficiency in portfolio construction and uses fundamental analysis and third‑party research to inform recommendations.

Compared with many independent advisors, Athena also functions as an independent insurance agent and offers life insurance products and occasional direct investments in state 529 plans (the brochure discloses commission arrangements, including relationships with Pacific Southwest Financial and two specific 529s), and it conducts educational workshops for groups on wealth and retirement topics. Those product-sales activities and workshop programming are disclosed as potential conflicts of interest in the firm’s materials and are governed by its Code of Ethics and written disclosures to clients; the firm’s size (under $4 million in reported assets and roughly 47 clients) means these services are delivered within a small, principally advisory practice.