# US 2014/0207638 A1 · Systems and methods for optimizing wealth > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0207638 A1 - Document ID: US20140207638A1 - Status: Published application - Kind: A1 - Application number: 14/226,830 - Filed: 2014-03-27 - Published: 2014-07-24 - Earliest claimed: 2010-04-23 - Inventors: Joseph J. Janiczek - Web page: https://patentgrep.com/patent/US20140207638A1 ## CPC - G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract Systems and methods for optimizing wealth are provided herein. Exemplary methods for analyzing financial well being of a client may include generating a financial profile for an client via a web server, selecting one or more grids for displaying at least a portion of the financial profile, the grid including one or more sectors, each of the sectors corresponding to one of the plurality of strengths, filling a sector with an indicator, filling a sector with an indicator, the indicator including a calculation of a strength level for the strength associated with the sector; and providing at least one of the one or more grids to a display device associated with a computing system that is communicatively coupled to the web server. ## Claims ### Claim 1 A method for analyzing financial well being of a client, comprising: generating a financial profile for a client via a web server 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 financial profile based upon the plurality of strengths, each of the plurality of strengths including one or more rules; selecting one or more grids for displaying at least a portion of the financial profile, the one or more grids including at least one sector, the at least one sector corresponding to one of the plurality of strengths; providing the at least one sector with an indicator, the indicator including a calculation of a strength level for the strength associated with the sector; and providing at least one of the one or more grids to a display device associated with a computing system that is communicatively coupled to the web server. ### Claim 2 (depends on 1) The method according to claim 1, further comprising back testing the financial profile of the client by: obtaining historical financial data from a third party for a given period of time; comparing the financial profile of the client to the historical financial data; determining negatively performing facets of the financial profile over the given period of time based upon the historical data; and providing the negatively performing facets of the financial profile to the display device that is associated with the computing system that is communicatively coupled to the web server. ### Claim 3 (depends on 2) The method according to claim 2, further comprising placing additional stress factors into the step of back testing to determine negatively performing facets of the financial profile, the additional stress factors corresponding to a potentially negative financial scenario. ### Claim 4 (depends on 1) The method according claim 1, wherein selecting one or more grids is based upon selecting of at least one financial goal, the at least one financial goal comprising a combination of a plurality of strengths. ### Claim 5 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. ### Claim 6 (depends on 5) The method according to claim 5, further comprising: selecting one or more grids for displaying at least a portion of the financial profile, one or more grids each including at least one sector, the at least one sector corresponding to one of the plurality of strengths; providing the at least one sector with an indicator, the indicator including a calculation of a strength level for the strength associated with the at least one sector; and providing at least one of the one or more grids to a display device associated with a computing system that is communicatively coupled to the web server. ### Claim 7 (depends on 6) The method according claim 6, wherein selecting one or more grids is based upon selecting of at least one financial goal, the at least one financial goal comprising a combination of a plurality of strengths. ### Claim 8 (depends on 6) The method according to claim 6, wherein the indicator includes a color, the color being selected based upon whether the strength level of the strength associated with at least one sector meets or exceeds a strength threshold. ### Claim 9 (depends on 6) The method according to claim 6, further comprising back testing the financial profile of the client by: obtaining historical financial data from a third party for a given period of time; comparing the financial profile of the client to the historical financial data; determining negatively performing facets of the financial profile over the given period of time based upon the historical data; and providing the negatively performing facets of the financial profile to the display device that is associated with the computing system that is communicatively coupled to the web server. ### Claim 10 (depends on 9) The method according to claim 9, further comprising placing additional stress factors into the step of back testing to determine negatively performing facets of the financial profile, the additional stress factors corresponding to a potentially negative financial scenario. ### Claim 11 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. ### Claim 12 (depends on 11) The system according to claim 11, further comprising a grid generator that is configured to: select one or more grids for displaying at least a portion of the financial profile, the grid including at least one sector, the at least one sector corresponding to one of the plurality of strengths; fill the at least one sector with an indicator, the indicator including a calculation of a strength level for the strength associated with the at least one sector; and provide at least one of the one or more grids to a display device associated with a computing system that is communicatively coupled to the web server. ### Claim 13 (depends on 12) The system according to claim 12, wherein the indicator includes a color, the color being selected based upon whether the strength level of the strength associated with the at least one sector meets or exceeds a strength threshold. ### Claim 14 (depends on 13) The system according to claim 13, wherein the system further comprises a testing module that is configured to back test the financial profile of the client by: obtaining historical financial data from a third party for a given period of time; comparing the financial profile of the client to the historical financial data; determining a performance of the financial profile over the given period of time based upon the historical data; and locating negatively performing facets of the financial profile based upon the determining. ### Claim 15 (depends on 14) The system according to claim 14, wherein the testing module is further configured to generate a graph of the performance of the financial profile over the given period of time based upon the historical data. ### Claim 16 (depends on 15) The system according to claim 15, wherein the testing module is further configured to provide negatively performing facets of the financial profile to the display device of the computing system. ### Claim 17 (depends on 14) The system according to claim 14, wherein the testing module is further configured to place additional stress factors into the step of back testing to determine negatively performing facets of the financial profile, the additional stress factors corresponding to a potentially negative financial scenario. ### Claim 18 (depends on 11) The system according to claim 11, wherein the one or more rules associated with each of the plurality of strengths are stored in a storage medium associated with the system. ### Claim 19 (depends on 11) The system according to claim 11, wherein the data analysis module is further configured to compare the updated financial profile to financial data received from a plurality of third party financial data sources. ### Claim 20 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. ### Claim 21 (depends on 20) The method according to claim 20, wherein generating one or more proposed actions for the client comprises comparing at least a portion of the financial profile of the client to third-party financial information. ### Claim 22 (depends on 20) The method according to claim 20, further comprising: generating a grid that includes sectors, each of the sectors corresponding to one of the plurality of strengths and each of the sectors including an indicator that corresponds to the strength level of one of the plurality of strengths; and displaying the grid via the tool center. ### Claim 23 (depends on 20) The method according to claim 20, further comprising generating a grid for each of the proposed actions; each of the grids illustrating an impact of the 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. ### Claim 24 (depends on 22) The method according to claim 22, wherein the grid comprises a fundamental goal that comprises a balance sheet sector, a cash flow sector, and a portfolio sector. ### Claim 25 (depends on 22) The method according to claim 22, wherein the grid comprises a lifestyle goal that comprises a liquidity sector, an insurance sector, an estate planning sector, a semi-liquid sector, a cash flow resiliency sector, a portfolio resiliency sector, a portfolio accumulation sector, a passive income sector, and a portfolio distribution rate sector. ### Claim 26 (depends on 20) The method according to claim 20, further comprising providing an alert message via the tool center if the proposed financial activity negatively impacts a strength level of a facet of the financial profile of the client.