Communication interface for a financial modeling and counseling system

A communication system over a wide area network, including the Internet, for the primary purpose of providing a financial modeling and counseling system comprising:

• an automated coaching engine providing financial coaching and financial modeling directly to a user in a web-based environment coupled to the Internet, wherein the financial coaching is based on the financial modeling, wherein the financial coaching includes suggestions for changes to a current financial portfolio of the user, wherein the suggestions are presented in a natural language format, and wherein the suggestions include financial products and recommended securities for the user to purchase;
• a web server providing a variety of communication options the user, coupled to the Internet;
• a communication center coupled to the Internet, enabling said user to communicate with a live financial advisor using a communication medium selected by the user whereby said live financial advisor provides financial coaching such that said user is assisted in achieving financial goals and optimizing long-term goals;
• a communication means between said user and said live financial advisor transmitting streaming live video or still video clips upon the users selection;
• and
• a service level agreement establishing a plurality of service levels such that each of the service levels includes a unique combination of type of financial modeling, type of financial coaching, and amount of communication between the user and the live financial advisor selecting one of the plurality of service levels to determine the type of financial modeling, type of financial coaching, and amount of communication between the user and the live financial advisor available to the user in the financial modeling and counseling system.

A computer program embodied on a computer readable medium for providing a communication medium over a wide area network, including the Internet, for the primary purpose of providing a financial modeling and counseling system comprising:

• code segment providing financial modeling, wherein the financial modeling includes a profile of a user;
• code segment providing directly to the user customized automated financial coaching in a web-based environment based on the financial modeling and reflecting the profile, wherein the customized financial coaching includes suggestions for changes to a current financial portfolio of the user, wherein the suggestions are presented in a natural language format, and wherein the suggestions include financial products and recommended securities for the user to purchase;
• code segment displaying to the user a plurality of communication options with a live financial advisor in the web-based environment;
• code segment enabling a communication medium between said user and the live financial advisor based on the user selected communication option whereby said live financial advisor provides live financial coaching whereby said user is assisted in achieving financial goals and optimizing long-term goals;
• code segment establishing communication between said user and said live financial advisor transmitting streaming live video or still video clips upon the user's selection;
• code segment establishing a plurality of service levels such that each of the service levels includes a unique combination of type of financial modeling, type of financial coaching, and amount of communication between the user and the live financial advisor;
• and
• code segment selecting on of the plurality of service levels to determine the type of financial modeling, type of financial coaching, and amount of communication between the user and the live financial advisor available to the user in the financial modeling and counseling system.