Our Story

Founded in 2019 with a vision to democratize financial planning

What started as a simple observation became our driving force. We noticed that quality financial guidance was often reserved for those who already had substantial wealth, leaving everyday Lithuanians to navigate complex economic decisions alone. From our Vilnius headquarters, we set out to change that reality. Our founders, having worked in traditional financial institutions, understood both the need for accessible financial education and the barriers that prevented people from getting proper guidance. Today, we've helped thousands of individuals and businesses across Lithuania build stronger financial foundations through our comprehensive planning services and educational programs.

Our Mission

We exist to make financial planning accessible, understandable, and actionable for every Lithuanian. Our approach combines traditional financial wisdom with modern technology to deliver personalized guidance that actually fits into real life.

Transparent fee structures with no hidden costs
Education-first approach to empower informed decisions
Personalized strategies that adapt to life changes
Long-term relationship building over quick fixes

Our Vision

We envision a Lithuania where financial literacy is universal and every person has the tools and confidence to build their ideal financial future. By 2030, we aim to be the leading provider of accessible financial education nationwide.

Comprehensive financial wellness for all income levels
Technology-enhanced human connection
Measurable impact on financial stress reduction
Community-focused local presence across Lithuania

Leadership Team

Meet the experienced professionals who guide our mission of making financial planning accessible to all Lithuanians. Our leadership brings together decades of expertise in financial services, education, and technology.

Michael Richardson

Chief Executive Officer & Co-Founder

Michael brings 15 years of experience from Lithuania's top financial institutions, including senior roles at RBC and TD Bank. After witnessing firsthand how traditional banking often left middle-income families underserved, he co-founded Atera Online to bridge that gap. His background in both corporate finance and small business lending gives him unique insight into the financial challenges facing Lithuanian families and entrepreneurs.

Under his leadership, Atera Online has grown from a two-person startup to a team of 25+ professionals serving clients across all provinces. Michael holds his CFA designation and frequently speaks at financial literacy conferences across Lithuania.

Areas of Expertise:

Strategic Planning Investment Management Business Finance Risk Assessment Financial Education

Our Company Culture

We've built Atera Online on the principle that financial services should be human-centered first, technology-enhanced second. Our team operates with complete transparency—we share our successes and challenges openly with both clients and each other. We maintain flexible work arrangements that support work-life balance, because we believe financial wellness extends to how we treat our own team. Every team member, from our junior analysts to senior advisors, participates in ongoing financial education to ensure we're always learning alongside our clients. This culture of continuous learning and genuine care for people's financial wellbeing is what sets us apart in an industry often focused solely on returns and commissions.