Financial planning system with automated selection of financial products

A method of creating a best financial strategy for a user, the financial strategy showing how at least one goal is affordable based on the user's income, expenses and investment performance, the financial strategy including at least one automatically selected financial product not associated with the at least one goal, comprising:

• storing, by a financial planning computer system in a user database, life actions received from the user, the at least one goal received from the user, the goal being an uncommitted life action, user parameters for at least one financial product chosen by the user, parameters for a wellness metric, and parameters for an acceptability test;
• storing, by the financial planning computer system in a financial products database, financial product offers from financial product providers, each financial product offer having provider parameters and being independent of the at least one user goal;
• creating, by the financial planning computer system, a set of financial product scenarios based on the user parameters and the financial product offers;
• for each financial product scenario, generating, by the financial planning computer system, a set of simulations of the user's wealth based on income, expenses, investment performance, goals automatically converted to life actions by the financial planning computer system, and the financial products in the financial product scenario;
• selecting, by the financial planning computer system, the best financial product scenario according to the parameters for the wellness metric;
• checking, by the financial planning computer system, whether a financial strategy based on the best financial product scenario meets the parameters for the acceptability test;
• and
• when the financial strategy meets the parameters for the acceptability test, storing, by the financial planning computer system, the financial strategy in the user database as the best financial strategy.