Goal-Based Portfolio Management System

A method for providing goal-based portfolio management with a server, which comprises:

• receiving user input at the server, the user input comprising investment goals and portfolio information;
• and
• automatically determining with the server an ideal asset allocation and investment strategy based on the received user input by assigning the user to:
• a target portfolio asset allocation;
• a glide path dependent upon at least one of the investment goals received from the user, the glide path comprising at least one shift from a first portfolio to a second portfolio different from the first portfolio as a user encounters risk exposure changes while moving towards at least one of the investment goals;
• and
• a set of specific recommendations of which securities to buy, sell, or hold in each account of the user in order to, initially, transition from a current asset allocation of the user to a recommended asset allocation for the user, and then to transition through the glide path, taking into account a plurality of factors including at least one of fund quality, fees, and taxation;
• and
• allowing for real-time adjustments of the target portfolio asset allocation and/or glide path as the user input changes over time;
• providing the asset allocation and investment strategy and/or real-time adjustments from the server to a user interface of the user.

A method for providing goal-based portfolio management with a server, which comprises:

• receiving user input at the server, the user input comprising investment goals and portfolio information;
• linking one or more investment accounts of the user;
• analyzing the user's current holdings and current asset allocation in the one or more investment accounts;
• and
• automatically determining with the server an ideal asset allocation and investment strategy based on the received user input by assigning the user to:
• a target portfolio asset allocation;
• a glide path dependent upon at least one of the investment goals received from the user, the glide path comprising at least one shift from a first portfolio to a second portfolio different from the first portfolio as a user encounters risk exposure changes while moving towards at least one of the investment goals;
• and
• a set of specific recommendations of which securities to buy, sell, or hold in each account of the user in order to, initially, transition from a current asset allocation of the user to a recommended asset allocation for the user, and then to transition through the glide path, taking into account a plurality of factors including at least one of fund quality, fees, and taxation;
• providing the asset allocation and investment strategy from the server to a user interface of the user.