Financial optimization system and method

On a computer system, a method of determining an investment strategy for an entity with assets in taxable and tax-free accounts, said method comprising:

• receiving information regarding a plurality of investments;
• receiving information regarding a percentage amount of said assets to invest in each of said plurality of investments;
• receiving information regarding a time horizon;
• and
• for each of said plurality of investments, selecting an amount to invest from said taxable and tax-free accounts randomly or using Genetic Algorithms (GA), wherein said determined amount to invest substantially matches said percentage amount to invest in said investment;
• wherein said determinations will produce a substantially maximal after-tax accumulation for said entity at said time horizon.

A computer system for determining an optimal investment strategy for an entity with assets in taxable and tax-free accounts, comprising:

• means for obtaining tax information, account information, account amounts, and time horizon information from said entity;
• a GA chromosome structure, for indicating an amount to invest in said taxable and tax-free accounts;
• means for obtaining initial amounts to invest in said taxable and tax-free accounts;
• means for calculating an after-tax accumulation based on indications in said GA component structure;
• means for modifying said GA chromosome structure to improve said calculated after-tax accumulation;
• and
• means for displaying said resulting after-tax accumulation.