Features
Three engines on one shared view of a household's money, and everything your advisers and clients need to act on it together. Every part is white-labelled — your firm's brand, your clients' experience.
It doesn't show the number. It works out the move. This is the thing a filing-cabinet portal can't do, and the main reason a client and adviser have something to talk about.
Atrium projects month-by-month and returns the youngest age at which the pot, contributions, drawdown and state pension cover post-retirement outgoings without running out before assumed life expectancy. Re-runs in milliseconds while you talk.
Overpayment, lump sum, rate change — modelled against the real balance and the wider balance sheet. See what a fixed-rate end actually costs before the client asks.
Everything owned, totalled into one figure, with an ONS age-band comparison so a client can see where they stand without vanity benchmarking.
Estate exposure on the current and projected position, and the tax-efficient order to draw from ISA, GIA and SIPP — recalculated as legislation moves.
It watches the data it already holds and tells you when it's time to talk — so the review stops being annual and starts being timely. Nobody else in UK adviser tech does this well today.
Advice queue
It can't read what it holds. Each client's data is encrypted on their device with a key only they have; the server stores ciphertext only. What's said in the room stays in the room — even from us.
Value between meetings
Consumer Duty asks firms to show clients the value of their advice between reviews. These are the things that make a client log in monthly, not annually — and give them their own answer to "what did my adviser do for me?"
ISA, LISA, JISA, pension annual allowance, CGT and dividend allowance. Live counters per client, surfaced before the tax year closes.
House deposit, university fees, a target pot by a target age — each with its own projection and a red-amber-green read on progress.
March prompts: use the ISA, consider pension carry-forward, harvest CGT. The recurring moment an adviser earns the fee.
A plain-language recap of the year's movements and actions, ready for the client to read and the file to keep.
Wealth and income against the client's age band — honest context, not vanity benchmarking.
Concrete prompts that join the gaps in the picture to client value — "£30k cash and no S&S ISA — here's the drag."
The data underneath
Three ways into the picture, then a clean transaction substrate the rest of the platform can rely on.
TrueLayer covers 50+ UK providers. 12 months of history on first link; client-initiated refresh thereafter. 90-day consent re-auth handled gracefully.
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.
Server-side PDF parsing for John Lewis Partnership Card and other statement formats. Bring a year of statements; we extract the transactions.
Income on the left, essentials / discretionary / savings on the right. A single, scannable picture of the month rather than a wall of categorised tables. Click any flow to drill into the transactions.
When money moves between a client's own accounts it's neither spend nor income, just internal noise. Atrium pairs transfers within ±3 days, multi-pass, so the picture never double-counts.
Each merchant becomes a retailer with default tags; edits stick. Five meta-categories drive the Sankey shape and the planning views.
How Atrium differs
A portal that lists balances is a filing cabinet with a login. The rows below are the ones a typical adviser portal can't tick.
Out in the open
The planning lab isn't only for logged-in clients. Firm-branded calculators sit on the public web, outside the login, and turn a curious visitor into a warm lead with their numbers attached.
See it in your firm's colours
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 →