Retirement planning method

A computer implemented method of displaying whether a retirement plan is at risk of being underfunded on a results graphical user interface, the method comprising:

• receiving, by at least one server computing device, a first request from a requesting client computing device, the first request being received over a network connected to the requesting client computing device and the at least one server computing device;
• transmitting, by the at least one server computing device, an input interface over the network to the requesting client computing device in response to the first request, the input interface being configured to receive information identifying an investor's assets and future liabilities;
• receiving, by the at least one server computing device, the information identifying the investor's assets and future liabilities from the requesting client computing device over the network, the information having been entered into the input interface;
• instructing, by the at least one server computing device, the requesting client computing device to display the results graphical user interface;
• displaying, by the at least one server computing device, a net present value of the investor's assets on the results graphical user interface;
• calculating, by the at least one server computing device, a net present value of the investor's future liabilities using a mortality table that includes a probability that the investor will live to each of a plurality of ages;
• displaying, by the at least one server computing device, the net present value of the investor's future liabilities on the results graphical user interface;
• calculating, by the at least one server computing device, a funded ratio by dividing the net present value of the investor's assets by the net present value of the investor's future liabilities;
• displaying, by the at least one server computing device, a graphic representation of the funded ratio on the results graphical user interface, the graphic representation being color coded with a first, second, or third color, the first color indicating the investor's assets are likely to be adequate to pay the investor's future liabilities, the second color indicating a first risk that the investor's assets are inadequate to pay the investor's future liabilities, the third color indicating a second risk that the investor's assets are inadequate to pay the investor's future liabilities, the second risk being greater than the first risk, the first, second, and third colors being different from one another;
• displaying, by the at least one server computing device, at least one user input on the results graphical user interface, the at least one user input allowing a user of the requesting client computing device to modify one or both of the investor's assets and the investor's future liabilities;
• receiving, by the at least one server computing device, an indication from the requesting client computing device that the user has selected the at least one user input indicating the user would like to adjust one or both of the investor's assets and the investor's future liabilities;
• transmitting, by the at least one server computing device, an adjustment interface to the requesting client computing device in response to the indication, the adjustment interface being configured to receive new information modifying one or both of the investor's assets and the investor's future liabilities;
• when the new information modifies the investor's assets, the at least one server computing device determining a new net present value of the investor's assets, and replacing the net present value of the investor's assets with the new net present value of the investor's assets;
• when the new information modifies the investor's future liabilities, the at least one server computing device determining a new net present value of the investor's future liabilities, and replacing the net present value of the investor's future liabilities with the new net present value of the investor's future liabilities;
• calculating, by the at least one server computing device, a new funded ratio by dividing the net present value of the investor's assets by the net present value of the investor's future liabilities;
• instructing, by the at least one server computing device, the requesting client computing device to display a new results graphical user interface;
• displaying, by the at least one server computing device, the net present value of the investor's assets on the new results graphical user interface;
• displaying, by the at least one server computing device, the net present value of the investor's future liabilities on the new results graphical user interface;
• displaying, by the at least one server computing device, a new graphic representation of the new funded ratio on the new results graphical user interface, the new graphic representation being color coded with one of the first, second, or third colors;
• and
• displaying, by the at least one server computing device, the at least one user input on the new results graphical user interface.