United Services Automobile Association (Usaa)

Bruce Wilks

Robert Pacheco

Rennie Garcia

Robert Morales

Nancy Shutt

Andrew Dempsey

Ivan G Quan

Laif Wheeler

William Eugene Kooiman

Laurie Jimenez

David Hirner

Norbert Janiszeski

Leslie Tomlinson

Alan Sell

David Bentley Craig

Ralph J Smith

Jeff William Robel

A method, a system and a computer-readable medium for generating a financial investment recommendation plan to a customer is described. A financial questionnaire is provided to a customer and is completed by the customer or a customer service representative assisting the customer, and the questionnaire has several options available to the customer, to include selecting an option to indicate that a tax-advantaged recommendation is desired to minimize taxes owed. The customer enters financial asset information and receives a recommendation with product-level detail on specific financial products to invest in, along with an action plan to assist the customer with investing in the financial products suggested in the recommendation.

System and method of providing a financial investment recommendation using a portfolio planner

A user may obtain self-service financial planning. A comprehensive set of data pertaining to a user is gathered from various sources and analyzed to generate a financial plan. A user may be presented with various financial scenarios based on information provided by the user. The user may perform 'what if' analyses to determine prospective financial plans and results based on hypothetical information that the user may provide. A user may be provided with a financial plan and the user may see how the plan changes under various risk tolerances and life event scenarios.

Self-service real-time financial advice

Aggregation processes and systems acquire user data from many internal and external sources, such as a host financial institution, external institutions, and publicly available websites and databases. The data aggregation may be used to pre-populate the fields in a questionnaire that would otherwise have to be manually populated by the user. A financial plan based on the data is generated and provided to the user. After presenting the financial plan to the user, additional information may be requested from the user. After the additional information is received, the financial plan may be revised and provided to the user.

Systems and methods for aggregating data for real-time financial plan

The present invention provides a system and method of automatically establishing and electronically funding electronic accounts over a computer network. The present invention provides a series of straight-through processes operable within a client/server environment. The present invention enables the submission of on-line new account information, real-time processing of such account information, and the establishment of validated new electronic accounts for use by potential customers regardless of the availability of host processing systems.

System and method of processing account information over a computer network

A comprehensive set of data pertaining to a user is gathered from various sources and analyzed. A financial plan is generated and provided to the user. The user may set financial goals and monitor progress towards achieving the goals, and may set and monitor probabilities of success of achieving the goals. The financial plan may take into account the financial goals and probabilities of success, and may be revised to reflect changes in the financial goals and probabilities of success. In an implementation, a user may be provided with information pertaining to how their finances, financial plan, goals, and probabilities of success compare to a selected population group.

Systems and methods for financial plan benchmarking

Growing community of inventors

San Antonio, TX, United States of America

Bruce Wilks