United Services Automobile Association (Usaa)

Nancy Shutt

Andrew Dempsey

Laif Wheeler

Ivan G Quan

Bruce Wilks

Alan Sell

Leslie Tomlinson

Ralph J Smith

Christopher W Claus

Lisa Cobb Alexander

Paul Fulmer

Norbert Janiszeski

Laurie Jimenez

David Hirner

Jayson Sacco

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

Retirement planning for a person is performed. For each of each class of assets, the income, and the expenses of the person, an analysis is employed that produces a probabilistic distribution of possible future values therefor, and based on each produced distribution derives a respective best case future value, a worst case future value, and a median case future value. Each analysis is conducted by compiling a collection of historical values, performing multiple scenarios based on random inputs to calculate expected future values for each of several particular future periods of time, deriving a probabilistic distribution with distribution values relating to projected future value for each period of time, and deriving a best case future value, a worst case future value, and a median case future value from each probabilistic distribution.

Systems and methods for projecting future values when performing retirement planning

Growing community of inventors

Bulverde, TX, United States of America

Nancy Shutt