Computer-aided method, machine, and products produced thereby, for illustrating a replacement of a benefit plan that is viable at one location but not viable at the location of the replacement

• US 6,411,939 B1
• Filed: 05/17/1999
• Issued: 06/25/2002
• Est. Priority Date: 05/17/1999
• Status: Expired due to Fees

• Current Assignee: Offshore Benefits LLC
• Original Assignee: Offshore Benefits LLC
• Inventors: Parsons, David William
• Primary Examiner(s): Millin, Vincent
• Assistant Examiner(s): ROSEN, NICHOLAS D
• Application Number:
  US09/313,164
• Time in Patent Office: 1,135 Days
• Field of Search: 705/1, 705/4, 705/35, 705/36, 705/7, 283/54
• US Class Current: 705/35
• CPC Class Codes: G06Q 10/0635 Risk analysis of enterprise or organisation activities
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 40/10 Tax strategies

Abstract

A method implemented with a machine, the machine, and method for using the machine, and products produced thereby, the method including a digital electrical computer having a processor programmed for electrically processing input data into output data, the computer electrically connected to an input device and to an output device, for illustrating a replacement of a benefit plan. The method the includes the steps of: entering information defining a benefit plan that is viable at one location but not viable at the replacement plan location, to convert the information into a portion of the input data that is electrically conveyed to the digital electrical computer for processing; engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement of the benefit plan, the replacement being viable at a location for the replacement; and generating an illustration of the replacement at the output device.

Claims

1. A method implemented with a machine comprising a digital electrical computer having a processor programmed for electrically processing input data into output data, the computer electrically connected to an input device and to an output device, for illustrating a replacement of a benefit plan, the method including the steps of:

entering information defining a benefit plan that is viable at one location but not viable at a replacement plan location, to convert the information into a portion of the input data that is electrically conveyed to the digital electrical computer for processing;

engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement of the benefit plan, the replacement being viable at the replacement plan location; and

generating an illustration of the replacement at the output device.

2. The method of claim 1, further including the step of computer-assisted administering of the replacement in accordance with the illustration.

3. The method of claim 2, further including the step of computer-assisted accounting of payments for the replacement in accordance with the administrating.

4. The method of claim 3, further including providing Internet-based computerized banking service in response to data communicated over the Internet to a banking service computer, the data confirming an identity for a participant receiving the replacement.

5. The method of claim 3, further including providing Internet-based computerized investment service in response to data communicated over the Internet to an investment service computer, the data confirming an identity for a participant receiving the replacement.

6. The method of claim 3, further including providing Internet-based computerized financial planning service in response to data communicated over the Internet to a financial planning service computer, the data confirming an identity for a participant receiving the replacement.

7. The method of claim 3, further including providing Internet-based computerized relocation service in response to data communicated over the Internet to a relocation service computer, the data confirming an identity for a participant receiving the replacement.

8. The method of claim 3, further including providing Internet-based computerized estate planning service in response to data communicated over the Internet to an estate planning service computer, the data confirming an identity for a participant receiving the replacement.

9. The method of claim 3, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

10. The method of claim 2, further including the step of computer-assisted trust accounting for the replacement in accordance with the administrating.

11. The method of claim 10, wherein the step of computer-assisted trust accounting for the replacement in accordance with the administrating includes the step of computer-assisted trust accounting for an unfunded deferred tax plan trust.

12. The method of claim 11, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

13. The method of claim 10, wherein the step of computer-assisted trust accounting for the replacement in accordance with the administrating includes the step of computer-assisted trust accounting for a funded current tax, immediate-vesting plan trust.

14. The method of claim 13, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

15. The method of claim 10, wherein the step of computer-assisted trust accounting for the replacement in accordance with the administrating includes the step of computer-assisted trust accounting for a funded deferred tax, deferred-vesting plan trust.

16. The method of claim 15, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

17. The method of claim 10, wherein the step of computer-assisted trust accounting for the replacement in accordance with the administrating includes the step of computer-assisted trust accounting for a funded 83(b) election, deferred tax deferred-vesting plan trust.

18. The method of claim 17, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

19. The method of claim 10, wherein the step of computer-assisted trust accounting for the replacement in accordance with the administrating includes the step of computer-assisted trust accounting for a plurality of trusts for plans from at least two of the group:

unfunded deferred tax plan;

funded current tax, immediate-vesting;

funded 83(b) election, deferred tax, deferred-vesting plan trust; and

funded deferred tax, deferred-vesting.

20. The method of claim 19, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

21. The method of claim 10, further including the step of computer-assisted policy administration for funding for the replacement in accordance with the trust accounting.

22. The method of claim 21, further including the step of computer-assisted calculating of net asset accumulation of the funding for the replacement for reporting and in accordance with the policy administration.

23. The method of claim 22 further including the step of computer-assisted reinsurance administration for the policy in accordance with the policy administration.

24. The method of claim 23, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

25. The method of claim 1, further including the step of computer-assisted calculating of investment performance for the asset accumulation of the funding for the replacement for reporting and in accordance with the policy administration.

26. The method of claim 25, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

27. The method of claim 5, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

28. The method of claim 21, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

29. The method of claim 10, wherein the step of computer-assisted trust accounting for the replacement in accordance with the administrating includes accounting for a trust investment.

30. The method of claim 29, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

31. The method of claim 10, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

32. The method of claim 2, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

33. The method of claim 1, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a cost-reduction sharing replacement for the benefit plan.

34. The method of claim 33, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a retirement plan as the benefit plan.

35. The method of claim 34, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

36. The method of claim 33, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a deferred compensation plan as the benefit plan.

37. The method of claim 36, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

38. The method of claim 33, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for an incentive plan as the benefit plan.

39. The method of claim 38, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

40. The method of claim 33, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a participation plan as the benefit plan.

41. The method of claim 40, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

42. The method of claim 33, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

43. The method of claim 1, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a synthetic 401 (k) plan as the replacement for the benefit plan.

44. The method of claim 43, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a deferred compensation plan as the benefit plan.

45. The method of claim 44, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

46. The method of claim 43, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for an incentive plan as the benefit plan.

47. The method of claim 46, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

48. The method of claim 43, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a participation plan as the benefit plan.

49. The method of claim 48, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

50. The method of claim 43, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a retirement plan as the benefit plan.

51. The method of claim 50, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

52. The method of claim 43, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

53. The method of claim 1, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a stock option substitute as the replacement for the benefit plan.

54. The method of claim 53, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a deferred compensation plan as the benefit plan.

55. The method of claim 54, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

56. The method of claim 53, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for an incentive plan as the benefit plan.

57. The method of claim 56, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

58. The method of claim 53, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a participation plan as the benefit plan.

59. The method of claim 58, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

60. The method of claim 53, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a retirement plan as the benefit plan.

61. The method of claim 60, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

62. The method of claim 53, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

63. The method of claim 1, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a pension gap supplement as the replacement for the benefit plan.

64. The method of claim 63, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a deferred compensation plan as the benefit plan.

65. The method of claim 64, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

66. The method of claim 63, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for an incentive plan as the benefit plan.

67. The method of claim 66, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

68. The method of claim 63, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a participation plan as the benefit plan.

69. The method of claim 68, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

70. The method of claim 63, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer or the processing of the input data into the outout data, the output data corresponding to characteristics for the replacement for a retirement plan as the benefit plan.

71. The method of claim 70, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

72. The method of claim 63, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

73. The method of claim 1, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a voluntary contribution as the replacement for the benefit plan.

74. The method of claim 73, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a deferred compensation plan as the benefit plan.

75. The method of claim 74, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

76. The method of claim 73, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for an incentive plan as the benefit plan.

77. The method of claim 76, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

78. The method of claim 73, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a participation plan as the benefit plan.

79. The method of claim 78, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

80. The method of claim 73, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a retirement plan as the benefit plan.

81. The method of claim 80, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

82. The method of claim 73, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

83. The method of claim 1, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for an employer supplemental contribution as the replacement for the benefit plan.

84. The method of claim 83, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a deferred compensation plan as the benefit plan.

85. The method of claim 84, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

86. The method of claim 83, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for an incentive plan as the benefit plan.

87. The method of claim 86, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

88. The method of claim 83, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a participation plan as the benefit plan.

89. The method of claim 88, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

90. The method of claim 83, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a retirement plan as the benefit plan.

91. The method of claim 90, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

92. The method of claim 83, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

93. The method of claim 1, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a plan covering at least one of health, life, and disability as the replacement for the benefit plan.

94. The method of claim 93 wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a deferred compensation plan as the benefit plan.

95. The method of claim 94, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

96. The method of claim 93, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for an incentive plan as the benefit plan.

97. The method of claim 96, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

98. The method of claim 93, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a participation plan as the benefit plan.

99. The method of claim 98, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

100. The method of claim 93, wherein the step of engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for a replacement for the benefit plan, the replacement being viable at the replacement plan location, includes engaging the digital electrical computer for the processing of the input data into the output data, the output data corresponding to characteristics for the replacement for a retirement plan as the benefit plan.

101. The method of claim 100, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

102. The method of claim 93, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

103. The method of claim 1, wherein the processing is carried out with funding for the replacement plan including a life insurance policy optionally compliant with United States regulations.

104. The method of claim 103, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

105. The method of claim 1, wherein the processing is carried out with funding for the replacement plan including life insurance with a dial-in death benefit.

106. The method of claim 105, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

107. The method of claim 1, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

109. The system of claim 3 wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes a replacement administering computer programmed to control administering of the replacement in accordance with the illustration; and

said additional documentation includes a reporting of said administering.

110. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes a plan sponsor accounting computer programmed to control accounting of payments for the replacement in accordance with the illustration; and

said additional documentation includes a reporting of said accounting payments.

111. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes a trust accounting computer programmed to control the trust accounting for the replacement in accordance with the illustration; and

said additional documentation includes a reporting of said trust accounting.

112. The system of claim 111, wherein the trust accounting computer is programmed to control the trust accounting for an unfunded deferred tax plan trust.

113. The system of claim 111, wherein the trust accounting computer is programmed to control the trust accounting for a funded current tax immediate-vesting plan trust.

114. The system of claim 111, wherein the trust accounting computer is programmed to control the trust accounting for a funded deferred tax deferred-vesting plan trust.

115. The system of claim 111, wherein the trust accounting computer is programmed to control the trust accounting for a funded 83(b) election, deferred tax deferred-vesting plan trust.

116. The system of claim 111, wherein the trust accounting computer is programmed to control the trust accounting for a plurality of trusts for plans from at least two of the group consisting of an unfunded deferred tax plan, a funded current tax immediate-vesting, a funded 83(b) election and deferred tax deferred-vesting plan trust, and a funded deferred tax deferred-vesting plan.

117. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes a life insurance policy administering computer programmed to compute the policy values, net of all expenses and charges, for fiduciary accounting in accordance with the illustration; and

said additional documentation includes a reporting of the policy values, net of all expenses and charges.

118. The system of claim 117, wherein the life insurance policy administering computer is respectively programmed to compute a determination of the transfer of risk liability between a carrier of the policy and a reinsurer in accordance with the illustration;

and

said additional documentation includes a reporting of the determination.

119. The system of claim 118, wherein the life insurance policy administering computer is respectively programmed to compute a net asset value of investments held by at least one money manager, the net asset value for use in determining the policy values for life insurance policy administration, in accordance with the illustration.

120. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes an assets value calculating computer respectively programmed to determine a net asset value of investments held by at least one money manager, the net asset value used in determining the policy values for life insurance policy administration, in accordance with the illustration; and

said additional documentation includes a reporting of the net asset value.

121. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes a trust funds investment manager computer respectively programmed to track custody, current market value, and allocation of assets held by at least one money manager in accordance with the illustration; and

said additional documentation includes a reporting of the custody, current market value, and allocation of assets.

122. A The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes a banking services computer respectively programmed to control at least one member of the group consisting of cash management, lending, letters of credit, personal financial statement preparation, for a participant in the replacement; and

said additional documentation includes a reporting of the at least one member of the group.

123. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes a investment services computer respectively programmed to control at least one member of the group consisting of asset allocation, fixed-ingome investment management, equity investment management, tax-efficient investment management, Guaranteed Return Income Plan, investment performance reporting, and investment manager selection services, for a participant in the replacement; and

said additional documentation includes a reporting of the at least one member of the group.

124. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes a relocation services computer respectively programmed to control at least one member from the group consisting of real estate brokerage support, education/school location, language support, local area familiarization, buying services, and moving services, for a participant in the replacement; and

said additional documentation includes a reporting of the at least one member of the group.

125. The system of claim 111, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes an estate planning computer respectively programmed to control at least one member from the group consisting of current estate analysis, host country jurisdictional analysis, current will review, current trust review, multi-jurisdictional estate planning, legal referral service, trust services, and estate settlement services, for a participant in the replacement; and

said additional documentation includes a reporting of the at least one member of the group.

126. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes at least one sub-trust illustration computer respectively programmed to control accounting for an unfunded sub-trust and for administering of the replacement plan funding assets in accordance with the illustration; and

said additional documentation includes a reporting of the accounting for the unfunded sub-trust and the administering of the replacement plan funding assets.

127. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes at least one sub-trust illustration computer respectively programmed to control accounting for a participant-owned sub-trust and for administering of the replacement plan funding assets in accordance with the illustration; and

said additional documentation includes a reporting of the accounting for the participant-owned sub-trust and the administering of the replacement plan funding assets.

128. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes at least one sub-trust illustration computer respectively programmed to control accounting for a funded vesting sub-trust and for administering of the replacement plan funding assets in accordance with the illustration; and

said additional documentation includes a reporting of the accounting for the funded vesting sub-trust and the administering of the replacement plan funding assets.

129. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes at least one sub-trust illustration computer respectively programmed to control accounting for a funded, currently taxable, vesting sub-trust and for administering of the replacement plan funding assets in accordance with the illustration; and

said additional documentation includes a reporting of the accounting for the currently taxable, vesting and the administering of the replacement plan funding assets.

130. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes a marketing computer respectively programmed to generate marketing proposals from pre-entered text combined with later-computed data inserted therein, in accordance with the illustration.

131. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes a reinsurance computer respectively programmed to determine a net liability transferred from a carrier to a reinsurance company in sharing risk of a policy or group of policies in accordance with the administering, and in response to entering data reflecting a portion of premium transferred from the carrier to the reinsurance company, a portion of a benefit transferred from the reinsurance company back to the carrier, and a portion of an expense allowance transferred from the reinsurance company back to the carrier; and

said additional documentation includes a reporting of the net liability transferred from a carrier to a reinsurance company.

132. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes an off-shore payroll accounting computer respectively programmed to control payroll accounting in accordance with the illustration; and

said additional documentation includes a reporting of the payroll accounting.

133. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes a plurality of replacement plan participant'"'"'s computers respectively programmed to communicate data over the Internet to obtain replacement plan participant reports and asset allocation data for the participant'"'"'s liability accounts in accordance with the illustration; and

said additional documentation includes a reporting of the reports and asset allocation data.

134. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes a consultant'"'"'s computer respectively programmed to generate, as the additional documentation, a comparative study showing equivalent benefits for the consultant'"'"'s client in response to input data identifying a plan to be illustrated for potential replacement.

135. The system of claim 134, wherein the at least one other computer includes a compliance computer respectively programmed for generating accounting and tax data, which is input data to said consultant'"'"'s computer for further processing to enable said consultant'"'"'s computer to generate said comparative study.

136. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes a consultant'"'"'s computer respectively programmed for generating, as the additional documentation, a compliance report for due diligence analysis of the replacement plan in accordance with the illustration.

137. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes a case study and sensitivity computer respectively programmed for generating, as the additional documentation, a plurality of documents collectively showing ramifications of at least one from the group consisting of a change in performance, an analytic assumption, and a target for the replacement in accordance with the illustration.

138. The system of claim 109, wherein:

said at least one other computer respectively includes a memory device storing additional input data corresponding to said benefit plan, a computer-to-computer communication device, an input device for obtaining the additional input data, and a processor programmed to control the at least one other computer, and a printing device for generating additional documentation at a location proximate to said at least one other computer;

the at least one other computer includes a revenue accounting computer respectively programmed for computing at least one of the fees from the group consisting of participation fees, plan administration fees, co-trustee fees, insurance policy fees, reinsurance participation fees, investment management trailer fees, and Internet usage fees in accordance with the illustration; and

said additional documentation includes a reporting of calculations for the fee, in accordance with said illustration.

108. A computer-based system for illustrating a replacement of a benefit plan that is available at one location but not viable at a location for the replacement, the system comprising:

a memory device storing input data defining a benefit plan that is viable at one location but not viable at a location for a replacement of the benefit plan;

a computer-to-computer communication device for obtaining at least some of the input data in the memory device from at least one other computer located remote from said memory device;

an input device for obtaining at least some of the input data in the memory device;

a processor coupled to the memory device, the processor programmed to control the computer-to-computer communication device and the input device in the respective obtaining and processing the input data into output data corresponding to characteristics for the replacement of the benefit plan; and

a printing device for generating an illustration of the replacement in response to respective control of the processor.

139. A machine for illustrating a replacement of a benefit plan that is available at one location but not viable at a location for the replacement, the system comprising:

“

a memory divice storing input data defining a benefit plan that is viable at one location but not viable at a location for a replacement of the benefit plan;

”

an input device for obtaining at least some of the input data in the memory device;

means for processing input electronic signals into output electronic signals, said input data corresponding to characteristics of a benefit plan that is viable at one location but not viable at another location, and said output data corresponding to characteristics for the replacement of the benefit plan;

a printing device for generating an illustration of the replacement in response to respective control of the processor.

140. The machine of claim 139, further including:

means for computer-assisted administering of the replacement in accordance with the illustration.

141. A computer-based system for illustrating a replacement of a benefit plan that is available at one location but not viable at a location for the replacement, the system comprising:

“

a memory device storing input data defining a benefit plan that is viable at one location but not viable at a location for a replacement of the benefit plan;

”

a computer-to-computer communication device for obtaining at least some of input data in the memory device from at least one other computer located remote from said memory device;

an input device for obtaining at least some of the input data in the memory device;

means for controlling the computer-to-computer communication device and the input device in obtaining and in processing the input data into output data corresponding to characteristics for the replacement of the benefit plan; and

a printing device for generating an illustration of the replacement in response to respective control of the processor.

142. The machine of claim 141, further including:

means of computer-assisted administering of the replacement in accordance with the illustration.

143. The method of claim 142, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

144. A machine-implemented method for illustrating a replacement of a benefit plan, the method including the steps of:

entering information defining a benefit plan that is viable at one location but not viable at an employment location, to convert the information into a portion of the input data electrically conveyed to a programmed processor in a digital electrical computer;

processing of the input data into output data corresponding to characteristics for a replacement of the benefit plan, the replacement being viable at the employment location; and

generating an illustration of the replacement at the output device.

145. The method of claim 144, wherein the processing is carried out with funding for the replacement plan including life insurance;

and further including the steps of;

entering insured-identifying data; and

separately entering replacement plan participant-identifying data, wherein the insured-identifying data is not necessarily identical to the participant-identifying data.

146. The method of claim 145, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

147. The method of claim 144, further including the step of computer-assisted administering of the replacement in real time.

148. The method of claim 147, further including the step linking the digital computer to another digital electrical computer by a computer-to-computer communications device to implement the replacement by multi-computer cooperative data processing in accordance with the illustration.

149. The method of claim 148, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

150. The method of claim 147, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

151. The method of claim 144, further including the step linking the digital computer to another digital electrical computer by a computer-to-computer communications device to implement the replacement by multi-computer cooperative data processing in accordance with the illustration.

152. The method of claim 151, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

153. The method of claim 144, wherein the processing is carried out with funding for the replacement plan including a life insurance policy optionally compliant with United States regulations.

154. The method of claim 153, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.

155. The method of claim 144, wherein the processing is carried out with funding for the replacement plan including life insurance with a dial-in death benefit.

156. The method of claim 155, wherein:

the step of generating is carried out with the replacement being a replacement effective in more than one nation; and

further including the step of;

providing an Internet communication accessible to computers of respective participants in the replacement.