Strategic Advice Manager for Financial Plans

A method of preparing a financial plan for achieving one or more financial goals comprising:

• a) issuing, over a network, a stream of questions to a user computing device;
• b) receiving, over the network, a stream of inputs from a user for a financial plan module in response to the stream of questions, at least a first subset of the stream of inputs defining one or more financial goals, a second subset of the stream of inputs defining client lifestyle preferences and a third subset of the stream of inputs defining client financial information;
• c) executing the financial plan module to generate a first financial plan comprising said one or more financial goals using the stream of inputs;
• d) displaying the first financial plan to the user;
• e) running an artificial intelligence engine, said artificial intelligence engine:
• f) analyzing the second subset of the stream of inputs and determining client lifestyle parameters from the client lifestyle preferences;
• g) accessing each respective one of a set of financial strategies and executing the financial plan module to generate a respective one of a set of modified financial plans, each respective one of the set of modified financial plans representing the financial goal as modified by the corresponding respective one of the set of financial strategies;
• h) assigning a score to each respective one of the set of modified financial plans based on an increase in said respective one of the set of modified financial plans relative to the first financial plan and a cost of the corresponding respective one of the series of financial strategies based on the client lifestyle parameters;
• and
• i) ranking each respective one of the set of modified financial plans relative to each other based on said respective score;
• and
• j) selecting a highest ranked modified financial plan of the set of modified financial plans;
• and
• k) modifying the display to show the highest ranked modified financial plan.

A non-transitory computer-readable medium bearing code which, when executed by at least one processor of a computer system, causes the computer system to implement the method comprising:

• a) issuing, over a network, a stream of questions to a user computing device;
• b) receiving, over the network, a stream of inputs from the user for a financial plan module in response to the stream of questions, at least a first subset of the stream of inputs defining one or more financial goals, a second subset of the stream of inputs defining client lifestyle preferences and a third subset of the stream of inputs defining client financial information;
• c) executing the financial plan module to generate a first financial plan comprising the one or more financial goals using the stream of inputs;
• d) displaying the first financial plan to the user;
• e) running an artificial intelligence engine, said artificial intelligence engine:
• f) analyzing the stream of inputs and determining client lifestyle parameters from the client lifestyle preferences;
• g) accessing each respective one of a set of financial strategies and executing the financial plan module to generate a respective one of a set of modified financial plans, each respective one of the set of modified financial plans representing the first financial goal as modified by the respective one of the set of financial strategies;
• h) assigning a score to each respective one of the set of modified financial plans based on an increase in said respective one of the set of modified financial plans relative to the first financial plan and a cost of the corresponding respective one of the series of financial strategies based on the client lifestyle parameters;
• i) ranking each respective one of the set of modified financial plans relative to each other based on said respective score;
• and
• j) selecting a highest ranked modified financial plan of the set of modified financial plans;
• and
• k) modifying the display to show the highest ranked modified financial plan,
• l) at the user computer device, said user accepting or rejecting the highest ranked financial plan, wherein:
• if the user rejects the highest ranked financial plan, modifying the display to show the next highest ranked financial plan;
• if the user accepts the highest ranked financial plan, asking the user if the financial goal has been met, wherein:
• if the first financial goal has not been met, setting the accepted highest ranked financial plan as the first financial plan and repeating steps (e) to (l) until the financial goal has been met.

A method for developing a financial plan for achieving one or more financial goals, said method comprising:

• a) issuing, over a network, a stream of questions to a user computing device;
• b) receiving, over the network, a stream of inputs from a user for a financial plan module in response to the stream of questions, at least a first subset of the stream of inputs defining one or more financial goals, a second subset of the stream of inputs defining client lifestyle preferences and a third subset of the stream of inputs defining client financial information;
• c) executing the financial plan module to generate a first financial plan comprising the one or more financial goals using the stream of inputs;
• d) displaying the first financial plan to the user;
• e) running an artificial intelligence engine, said artificial intelligence engine:
• f) analyzing the stream of inputs and determining client lifestyle parameters from the client lifestyle preferences;
• g) accessing each respective one of a set of financial strategies and executing the financial plan module to generate a respective one of a set of modified financial plans, each respective one of the set of modified financial plans representing the first financial goal as modified by the respective one of the series of financial strategies;
• h) assigning a score to each respective one of the set of modified financial plans based on an increase in said respective one of the set of modified financial plans relative to the first financial plan and a cost of the corresponding respective one of the series of financial strategies based on client lifestyle parameters;
• and
• i) ranking each respective one of the set of modified financial plans relative to each other based on said respective score;
• and
• j) selecting a highest ranked modified financial plan of the set of modified financial plans;
• and
• k) modifying the display to show the highest ranked modified financial plan,
• l) at the user computer device, said user accepting or rejecting the highest ranked financial plan, wherein:
• if the user rejects the highest ranked financial plan, modifying the display to show the next highest ranked financial plan;
• if the user accepts the highest ranked financial plan, asking the user if the financial goal has been met, wherein:
• if the first financial goal has not been met, setting the accepted highest ranked financial plan as the first financial plan and repeating steps (e) to (l) until the financial goal has been met.

A method for training an artificial intelligence to develop a financial plan for achieving one or more financial goals, said method comprising:

• a) issuing, over a network, a stream of questions to a user computing device;
• b) receiving, over the network, a stream of inputs for a financial plan module in response to the stream of questions, at least a first subset of the stream of inputs defining one or more financial goals, a second subset of the stream of inputs defining client lifestyle preferences and a third subset of the stream of inputs defining client financial information;
• c) executing the financial plan module to generate a first financial plan comprising the one or more financial goals using the stream of inputs;
• d) displaying the first financial plan to the user;
• e) running an artificial intelligence engine, said artificial intelligence engine:
• f) analyzing the stream of inputs and determining client lifestyle parameters from the client lifestyle preferences;
• g) accessing each respective one of a series of financial strategies and executing the financial plan module to generate a respective one of a set of modified financial plans, each respective one of the set of modified financial plans representing the first financial goal as modified by the respective one of the series of financial strategies;
• h) assigning a score to each respective one of the set of modified financial plans based on an increase in said respective one of the set of modified financial plans relative to the first financial plan and a cost of the corresponding respective one of the series of financial strategies based on client lifestyle parameters;
• and
• i) ranking each respective one of the set of modified financial plans relative to each other based on said respective score;
• and
• j) selecting a highest ranked modified financial plan of the set of modified financial plans;
• and
• k) modifying the display to show the highest ranked modified financial plan,
• l) at the user computer device, said user accepting or rejecting the highest ranked financial plan, wherein:
• if the user rejects the highest ranked financial plan, modifying the display to show the next highest ranked financial plan;
• if the user accepts the highest ranked financial plan, asking the user if the financial goal has been met, wherein:
• if the first financial goal has not been met, setting the accepted highest ranked financial plan as the first financial plan and repeating steps (e) to (l) until the financial goal has been met,
• characterized in that said artificial intelligence engine is configured to learn knowledge about general financial plan preferences from past ones of client financial plans and apply the learned knowledge to future ones of client financial plans.