Planning engine for a financial planning system

A planning engine for a financial planning system, the planning engine comprising at least one central processing unit (CPU) and a graphics processing unit (GPU), the planning engine configured to:

• receive, at the at least one CPU from a user computing device, user profile data and account data for a user;
• assign, by the at least one CPU for each of a plurality of future years, an asset class weight to each of a plurality of asset classes associated with the account data;
• generate, by the at least one CPU, a portfolio data object for each of the plurality of future years, the portfolio data object including the assigned asset class weight for each of the plurality of asset classes for the respective year, wherein the portfolio data object is configured to calculate an expected portfolio return across the plurality of asset classes and a portfolio standard deviation across the plurality of asset classes;
• execute, by the GPU, a number of simulations on the portfolio data object for each of the plurality of future years, using the expected portfolio return and the portfolio standard deviation, to project a return on the account data over the plurality of future years;
• receive, at the at least one CPU from the GPU, a matrix having a first dimension equal to a number of the plurality of years and a second dimension equal to the number of simulations, wherein each value in the matrix is the projected return calculated by the GPU for a corresponding one of the years and a corresponding one of the simulations;
• and
• return, by the at least one CPU to the user computing device, an account projection derived from the matrix.

A planning engine for a financial planning system, the planning engine comprising at least one processor coupled to a memory, the memory storing instructions that cause the at least one processor to:

• execute a first instance of the planning engine;
• receive, from a first user computing device, user profile data and account data for a first user;
• receive, from a second user computing device, user profile data and account data for a second user;
• select, from a plurality of sets of initialization parameters, a first set of initialization parameters based on the account data for the first user and a second set of initialization parameters based on the account data for the second user;
• apply, by the first instance of the planning engine, the first set of initialization parameters to the user profile data and the account data for the first user to generate projected return data for the first user;
• apply, by the first instance of the planning engine, the second set of initialization parameters to the user profile data and the account data for the second user to generate projected return data for the second user;
• and
• transmit the projected return data for the first user to the first user computing device and the projected return data for the second user to the second user computing device.