Systems and methods for optimizing wealth

A method for evaluating a financial impact of a proposed financial activity, comprising:

• generating an initial financial profile for an client by:
• receiving responses to a plurality of financial prompts to establish financial information of the client;
• and
• comparing the financial information of the client to a plurality of strengths to generate the initial financial profile based upon the plurality of strengths, each of the plurality of strengths including one or more rules;
• receiving a financial query via a web server, the financial query including one or more financial attributes of a proposed financial activity;
• incorporating at least one of the one or more financial attributes of the proposed financial activity into the initial financial profile to create an updated financial profile;
• comparing the updated financial profile to the plurality of strengths to determine if incorporating at least one of the one or more financial attributes of the proposed financial activity negatively impacts a financial well being of the client;
• and
• providing an alert to a computing system that is communicatively coupled to the web server if incorporating at least one of the one or more financial attributes of the proposed financial activity violates at least one of the plurality of rules.

A system for evaluating a financial impact of a proposed financial activity on a financial well being of a client, comprising:

• a memory storing executable instructions for evaluating the financial impact of a proposed financial activity;
• a processor for executing the instructions, the instructions including:
• a profile generator that is configured to generate an initial financial profile for a client by:
• receiving responses to a plurality of financial prompts to establish financial information of the client;
• and
• comparing the financial information of the client to a plurality of strengths to generate the initial financial profile based upon the plurality of strengths, each of the plurality of strengths including one or more rules;
• a query module that is configured to receive a financial query, the financial query including one or more financial attributes of a proposed financial activity;
• and
• a data analysis module that is configured to:
• incorporate at least one of the one or more financial attributes of the proposed financial activity into the initial financial profile to create an updated financial profile;
• comparing the updated financial profile to the plurality of strengths to determine if incorporating at least one of the one or more financial attributes of the proposed financial activity negatively impacts the financial well being of the client;
• and
• providing an alert to a computing system if incorporating at least one of the one or more financial attributes of the proposed financial activity negatively impacts the financial well being of the client.

A method for analyzing financial well being of a client, comprising:

• receiving, via a tool center generated by a server, responses to a plurality of financial prompts to establish financial information of the client;
• comparing, via the server, the financial information of the client to a plurality of strengths to generate a financial profile, each of the plurality of strengths including one or more rules for determining a strength level of a facet of the financial profile of the client;
• storing, via the server, the financial profile of the client in a client record that resides in a content repository;
• receiving, via the server, a financial query from the client, the financial query comprising a proposed financial activity;
• determining, via the server, an impact of the proposed financial activity on the financial profile of the client;
• generating one or more proposed actions for the client, wherein each of the one or more proposed actions comprises at least one action to be taken relative to the proposed financial activity that increases a strength level of at least one facet of the financial profile of the client;
• and
• providing, via the server, at least one of the proposed actions to the client.