# US 2022/0284518 A1 · Investment Management System and Method

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 2022/0284518 A1
- Document ID: US20220284518A1
- Status: Published application
- Kind: A1
- Application number: 17/230,218
- Filed: 2021-04-14
- Published: 2022-09-08
- Earliest claimed: 2021-03-02
- Inventors: Ryan Mullaney; Eric Christenson
- Web page: https://patentgrep.com/patent/US20220284518A1

## CPC

- G06Q 40/10: Tax strategies
- G06Q 40/06: Asset management; Financial planning or analysis
- G06Q 40/123: {Tax preparation or submission}
- 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

A system and method for managing tax consequences associated with financial market transactions. The tax management system comprises a platform access component hosted by a computer and accessible via a user input device. The tax management system allows a user to set aside and internally or externally transfer a determined amount of money related to the sale of an investment asset. The amount set aside may be determined by percentage or preset dollar amount. When an investor sells a stock or other security for a profit, a percentage of the profits representing the tax liability from the sale is moved a separate account. The tax management system allows the user to set aside a percentage of profits, cash amount per transaction, percentage of total sale, or percentage of a portion of each sale automatically to a separate account administered by the tax management system.

## Claims

### Claim 1

A tax consequence management system accessible via a user input, the tax consequence management system comprising:
a functionality comprising a computer-based tax management platform and at least one processor operatively connected to the user input via a network; and
wherein the tax management platform is configured to:
access an associated investing account;
link a tax holding account to the associated investing account;
predict a tax liability amount related to a sale of an investment asset in the associated investing account;
automatically transfer an amount equal to the predicted tax liability amount from the associated investing account to the tax holding account; and
predict a capital tax loss amount related to a sale of the investment asset in the associated investing account; and
wherein the tax management platform is further configured to not make a transfer from the tax holding account to the associated investing account unless a tax implication for total profits related to a sale of the investment asset are estimated to be greater than zero.

### Claim 2 (depends on 1)

The tax consequence management system of claim 1, wherein the user input is a mobile electronic device.

### Claim 3 (depends on 1)

The tax consequence management system of claim 1, wherein the associated investing account is a brokerage account.

### Claim 4 (depends on 1)

The tax consequence management system of claim 1, wherein the investment asset is a security.

### Claim 5 (depends on 1)

The tax consequence management system of claim 1, wherein the tax management platform is further configured to provide information related to the sale of the investment asset.

### Claim 6 (depends on 1)

The tax consequence management system of claim 1, wherein the tax management platform is further configured to provide information related to the tax liability amount.

### Claim 7

(canceled)

### Claim 8

(canceled)

### Claim 9 (depends on 1)

The tax consequence management system of claim 1, wherein the platform host is a remote server.

### Claim 10

A non-transitory computer-readable medium comprising software instructions that, when executed by at least one processor, causes the processor to:
access a tax management platform of a computer-based system;
communicate and extrapolate data from an associated investing account to the tax management platform;
upload a tax holding account to the tax management platform;
link the tax holding account to the associated investing account;
predict a tax liability for a sale of an investment asset; and
automatically transfer an amount equal to the tax liability for the sale of the investment asset from the associated investing account to the tax holding account.

### Claim 11 (depends on 10)

The non-transitory computer-readable medium of claim 10, wherein the associated investing account is a brokerage account.

### Claim 12 (depends on 10)

The non-transitory computer-readable medium of claim 10, wherein the tax holding account is a bank account.

### Claim 13 (depends on 10)

The non-transitory computer-readable medium of claim 10, wherein the at least one processor is a processing system of a mobile electronic device.

### Claim 14 (depends on 10)

The non-transitory computer-readable medium of claim 10, wherein the tax management platform is configured to provide information related to the sale of the investment asset.

### Claim 15 (depends on 10)

The non-transitory computer-readable medium of claim 10, wherein the tax management platform is configured to provide information related a tax liability or a capital tax loss from the sale of the investment asset.

### Claim 16

A method of maintaining a tax liability using a tax management platform on a computer-based system accessible via a user input operatively connected to the tax management platform over a network comprising the steps of:
uploading an associated investing account to the tax management platform;
uploading a tax holding account to the tax management platform;
linking the tax holding account to the associated investing account;
predicting a tax liability for a sale of an investment asset in the associated investing account;
transferring an amount equal to the tax liability for the sale of the investment asset from the associated investing account to the tax holding account automatically; and
automatically rebating an amount from the tax holding account to the associated investing account equal to a capital tax loss from the sale of the investment asset.

### Claim 17 (depends on 17)

The method of claim 17 further comprising the step of providing information on the tax management platform related to the sale of the investment and the tax liability.

### Claim 18

(canceled)

### Claim 19 (depends on 17)

The method of claim 17, wherein the investment asset is a security.

### Claim 20 (depends on 17)

The method of claim 17, wherein the user input is a mobile electronic device.