Simulator module for providing financial planning and advice
First Claim
1. A system for facilitating financial advising and planning, comprising:
- a simulator module configured to facilitate at least one of;
forecasting the effects of a proposed situation portfolio on a user'"'"'s portfolio;
monitoring at least one of a portfolio integration module, a portfolio reconciler module, and a stochastic modeling module;
simulating at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module;
designing at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module; and
testing at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module;
wherein at least one of forecasting, monitoring, simulating, designing, and testing facilitate the financial portfolio planning of the user and creation of the proposed situation portfolio for the user.
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Accused Products
Abstract
The present invention provides systems and methods for facilitating financial advising and planning for a user using a simulator module. In accordance with an exemplary embodiment of the present invention, the system includes a portfolio integration module for facilitating integration of a user'"'"'s goals, assets, savings, and risk tolerance to facilitate analyzing and developing a customized strategy for financial portfolio planning of the user. A portfolio reconciler module in communication with the portfolio integration module facilitates comparison of the customized strategy to other strategies and projected user financial decisions in order to farther facilitate the financial portfolio planning of the user. A stochastic modeling module in communication with the portfolio integration module and the portfolio reconciler module for facilitating use of data from the portfolio integration module and the portfolio reconciler module in a stochastic modeling analysis using a synchronous stationary bootstrap sampling method to facilitate creation of a proposed situation portfolio for the user. A simulator module in communication with the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module for facilitating forecasting the effects of the proposed situation portfolio on the user'"'"'s portfolio, and monitoring, simulating, designing, and testing the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module.
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Citations
11 Claims
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1. A system for facilitating financial advising and planning, comprising:
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a simulator module configured to facilitate at least one of;
forecasting the effects of a proposed situation portfolio on a user'"'"'s portfolio;
monitoring at least one of a portfolio integration module, a portfolio reconciler module, and a stochastic modeling module;
simulating at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module;
designing at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module; and
testing at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module;
wherein at least one of forecasting, monitoring, simulating, designing, and testing facilitate the financial portfolio planning of the user and creation of the proposed situation portfolio for the user. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method for facilitating financial advising and planning, comprising the steps of:
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forecasting the effects of a proposed situation portfolio on a user'"'"'s portfolio;
monitoring at least one of a portfolio integration module, a portfolio reconciler module, and a stochastic modeling module;
simulating at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module;
designing at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module; and
testing at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module;
wherein at least one of forecasting, monitoring, simulating, designing, and testing facilitate the financial portfolio planning of the user and creation of the proposed situation portfolio for the user.
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8. A system for facilitating financial advising and planning, comprising:
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a host system including a processor for processing data associated with a user;
a memory in communication with the processor for storing the data;
an input digitizer in communication with the memory and the processor for inputting the data into the memory; and
an application program stored in the memory and accessible by the processor for directing processing of the data by the processor, wherein the application program is configured to facilitate the steps of;
forecasting the effects of a proposed situation portfolio on a user'"'"'s portfolio;
monitoring at least one of a portfolio integration module, a portfolio reconciler module, and a stochastic modeling module;
simulating at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module;
designing at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module; and
testing at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module;
wherein at least one of forecasting, monitoring, simulating, designing, and testing facilitate the financial portfolio planning of the user and creation of the proposed situation portfolio for the user.
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9. A computer implemented method for facilitating financial advising and planning, comprising the steps of:
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obtaining data in connection with a user via a communication channel in communication with a computer system having a memory and a processor;
storing the data in the memory and configuring, via said processor, the data to provide a customized strategy for financial portfolio planning of the user; and
at least one of facilitating, via said computer system;
forecasting the effects of a proposed situation portfolio on a user'"'"'s portfolio;
monitoring at least one of a portfolio integration module, a portfolio reconciler module, and a stochastic modeling module;
simulating at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module;
designing at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module; and
testing at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module;
wherein at least one of forecasting, monitoring, simulating, designing, and testing facilitate the financial portfolio planning of the user and creation of the proposed situation portfolio for the user.
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10. A system for facilitating financial advising and planning, comprising:
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a host server for accepting and processing data in connection with a user; and
a second server having a simulator module in communication with at least one of a portfolio integration module, a portfolio reconciler module, and a stochastic modeling module for at least one;
forecasting the effects of a proposed situation portfolio on a user'"'"'s portfolio;
monitoring at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module;
simulating at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module;
designing at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module; and
testing at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module;
wherein at least one of forecasting, monitoring, simulating, designing, and testing facilitate the financial portfolio planning of the user and creation of the proposed situation portfolio for the user.
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11. A system for facilitating financial advising and planning, comprising:
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a browser for submitting data to a web server, wherein the browser and the web server communicate via a communication channel and the data submitted to the web server includes information in connection with a user; and
a simulator module configured to facilitate at least one of;
forecasting the effects of a proposed situation portfolio on a user'"'"'s portfolio;
monitoring at least one of a portfolio integration module, a portfolio reconciler module, and a stochastic modeling module;
simulating at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module;
designing at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module; and
testing at least one of the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module;
wherein at least one of forecasting, monitoring, simulating, designing, and testing facilitate the financial portfolio planning of the user and creation of the proposed situation portfolio for the user.
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Specification