Atrium
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Features

What lives inside the Atrium.

A walk-through of every capability available today, and what's coming through the glass next. Each capability is white-labelled — your firm's brand, your clients' experience.

Live today

Cash flow

Money in, money out, where it actually goes. The first cash-flow view your clients won't close in 30 seconds.

Sankey-first visualisation

Income on the left, essentials / discretionary / savings on the right. A single, scannable picture of the month — not a wall of categorised tables. Click any flow to drill into the underlying transactions.

Multi-account aggregation

Open Banking via TrueLayer for live UK bank connections, with CSV and PDF import for the long tail of providers and historical data. Re-uploads dedupe automatically by a per-account fingerprint.

Cross-account transfer reconciliation

Money moving between a client's own accounts isn't spend or income — it's noise. Atrium pairs transfers across accounts within ±3 days, multi-pass, so it never doubles up the picture.

Rule-based auto-categorisation

Each merchant becomes a retailer with default tags. Edits stick. Five meta-categories — income, deductions, essentials, discretionary, movement — drive the Sankey shape and the planning views.

A single green fern leaf in close-up detail
Live today

Wealth & assets

The household balance sheet — everything your clients own, totalled into a single net-worth view.

Property

Primary residence, second homes, rental / BTL, other. Each property carries a current valuation and a linked mortgage if applicable.

Investment accounts

S&S ISA, Lifetime ISA, Junior ISA, GIA, SIPP, plus custom "other" wrappers. Linked to providers; valued at the latest price.

Pensions

DC pots, contributions and projected drawdown — modelled all the way to assumed life expectancy in the retirement view.

Other assets

Vehicles, collectibles, crypto, business stakes, held cash. The long tail of what makes up real household wealth.

Live today

Protection

Every policy the household holds — captured, valued, and visible to the adviser at a glance.

Life cover

Single life, joint, decreasing, level. Sum assured, term, premium, insurer.

Income protection

Deferred period, benefit period, occupation class, premium, insurer.

Critical illness

Standalone or attached to life cover. Sum assured, conditions, premium.

Private medical

Underwriter, excess, family members covered, annual premium.

Household

Buildings and contents — premium, rebuild value, contents limit, renewal date.

Motor & travel

Policies that complete the protection picture, even where the firm doesn't advise on them.

Live today

Retirement planning

A direct answer to the only question that really matters: when can I retire?

  • Month-by-month projection of the pension pot from today to assumed life expectancy.
  • Earliest-viable retirement age — the youngest age at which contributions, pot growth, drawdown, and state pension cover post-retirement outgoings without running out.
  • State pension factored in at the right age, not as a lump assumption.
  • Pension-access age (currently 57) modelled separately from state pension age — the gap matters.
  • Sensible defaults drawn from the client's live cash-flow data — pre- and post-retirement outgoings pre-filled, with the post-retirement default at two-thirds of current.
  • Sub-second recalculation when any input changes. Explore, don't recalculate.
The interior of a glasshouse with mature trees and planting reaching upward
Live today

Account aggregation

Three ways in. Whichever works for the provider, the client, or the file you've been handed.

01 · Open Banking

Live bank feeds

TrueLayer integration covers 50+ UK providers. 12 months of history on first link; client-initiated refresh thereafter. 90-day consent re-auth handled gracefully in the UI.

02 · CSV import

For the long tail

Bank CSV parsers for the major UK formats, auto-detected from file shape. Fingerprint-deduped on re-upload so overlapping exports don't double up the data.

03 · PDF statements

For credit cards too

Server-side PDF parsing for John Lewis Partnership Card and other statement formats. Bring a year of statements; we extract the transactions.

Coming through the glass

What we're growing next.

The capabilities below are under active development. Some will arrive in the next release; some are on the longer view. Every firm using Atrium gets them as they ripen, at no additional cost.

Pensions Dashboard

Coming through

Direct integration with the UK Pensions Dashboards Programme — every pension your client has ever held, surfaced automatically. Lost-pots discovery as a side-effect.

Tax-wrapper drawdown order

Coming through

Modelling for the order in which to draw retirement income from ISA, GIA and SIPP — minimising lifetime tax and preserving IHT efficiency, recalculated as legislation moves.

Cash-flow stress tests

Coming through

Job loss. Long-term illness. A 30% market drawdown. Three scenarios, run against the household's live position, with a single read on "how long can we hold the line?"

Goal-based planning

Coming through

House deposit. University fees. Gap year. Wedding. Sabbatical. First-class goals alongside retirement, each with their own pot, projection, and red-amber-green status.

Couples & households

Coming through

Joint accounts shared between two logins, separate-but-linked balance sheets, dependants modelled into the cash-flow view. The household as the unit, not the individual.

Inheritance & estate

Coming through

IHT projection on the current and projected estate. Gifting allowances tracked. Trust structures captured. The view you currently keep in a spreadsheet, in the platform.

Allowance tracker

Coming through

ISA, LISA, JISA, pension annual allowance, capital gains allowance, dividend allowance. Live counters per client, surfaced before the tax year closes.

Document vault

Coming through

Wills, deeds, LPAs, share certificates, policy schedules — encrypted client-side, attached to the relevant record, available when the adviser asks.

Adviser collaboration

Coming through

Adviser-side notes visible to the client. Secure two-way messaging. Pre-meeting prep summaries generated automatically from the period since the last review.

AI prep notes

Coming through

Local-first summaries of what's changed in a client's position since their last review — generated client-side so the data never leaves their device unencrypted.

Proactive alerts

Coming through

Unusual outflows. ISA allowance about to expire. Mortgage fixed-rate ending in 6 months. The platform watches; the client only hears about it when it matters.

Carbon footprint

Coming through

Optional view: an estimate of the household's carbon footprint by spend category. For the firms whose clients are asking the question.

How Atrium differs

Not another adviser CRM.

Most platforms in this space serve the adviser's workflow. Atrium serves the client's relationship — and gives the adviser firm a portal worth showing.

Capability
Atrium
Typical adviser portal
Zero-knowledge encryption
Vendor cannot read client data
✓ Built in
Vendor has full visibility
Whole-household view
All six aspects, not just portfolios
✓ All six aspects
Portfolio + some held-away
Sankey cash-flow view
✓ First-class
Categorised tables
Earliest-viable retirement age
✓ Computed directly
Adviser models manually
White-label that recedes
No "Powered by" anywhere visible
✓ Entirely invisible
Vendor branding present
PDF statement parsing
✓ Built in
Open Banking only

See it in your firm's colours

Book a 30-minute walk-through.

We'll demo against a test household, show you the white-label, and answer every "but does it…?" question on the spot.

Book a demo →