Financial investment advice system and method
First Claim
1. A system configured to output financial investment advice regarding investments in an investment portfolio associated with a designated goal based, at least, on an investor'"'"'s risk and investment profile data information provided by a user, the system comprising:
- a front-end including a plurality of graphical user interfaces configured to receive a user'"'"'s identification of an investor'"'"'s risk and investment profile data; and
a back-end configured to, at the direction of the user via the front-end, identif one or more recommended investments, and an allocation of funds among those investments, based on the investor'"'"'s risk and investment profile, a time horizon and a type of the designated goal.
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Accused Products
Abstract
In accordance with at least one embodiment of the invention, a computer-based system in which a user, e.g., a financial advisor, an investor, or a client of an investment firm, etc., may engage in an interactive dialog with a software-based investment advice system, hereafter referred to as the “Advisor” to receive analysis of present and potential financial investments. Based on information provided by the user, the Advisor may be configured to determine a recommended investment portfolio including investment allocations designed to meet at least one financial goal. A goal refers to a desired target accumulation of assets in connection with an investor'"'"'s investment needs based on information a user has provided.
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Citations
40 Claims
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1. A system configured to output financial investment advice regarding investments in an investment portfolio associated with a designated goal based, at least, on an investor'"'"'s risk and investment profile data information provided by a user, the system comprising:
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a front-end including a plurality of graphical user interfaces configured to receive a user'"'"'s identification of an investor'"'"'s risk and investment profile data; and
a back-end configured to, at the direction of the user via the front-end, identif one or more recommended investments, and an allocation of funds among those investments, based on the investor'"'"'s risk and investment profile, a time horizon and a type of the designated goal. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 13, 14, 15, 16, 17, 18, 19, 20, 21, 23, 37, 38, 39, 40)
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11. The system of 10, wherein one of the navigation icons is a My Next Step icon, excitation of which triggers display of a drop-down menu including navigational options based the actions previously performed by the user in connection with the investor and the designated goal.
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12. The system of 11, wherein the system requires that a user must quantify the designated goal prior to creating a risk and investment profile for the designated goal.
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22. A method for generating outputting financial investment advice regarding investments in an investment portfolio associated with a designated goal based, at least, on an investor'"'"'s risk and investment profile data information provided by a user, the method comprising:
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receiving, via at least one of a plurality of graphical user interfaces, a user'"'"'s identification of an investor'"'"'s risk and investment profile data; and
identifying, at the direction of the user via the at least one graphical user interface, one or more recommended investments, and an allocation of funds among those investments, based on the investor'"'"'s risk and investment profile, a time horizon and a type of the designated goal; and
outputting the identified one or more recommended investments to the user. - View Dependent Claims (24, 25, 26, 27, 28, 29, 30, 32, 33, 34, 35, 36)
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31. The method of 30, wherein one of the navigation icons is a My Next Step icon, excitation of which triggers display of a drop-down menu including navigational options based the actions previously performed by the user in connection with the investor and the designated goal.
Specification