Personalized financial illustration, guidance and advisory system for reference-date dependent investments

A method for investor recommendable wealth portfolio guidance of asset allocation for reference date dependent investments comprising:

• maintaining a database including a plurality of asset allocation glide paths for reference date dependent investment vehicles, said asset allocation glide paths representing asset allocation trajectories over time with respect to reference dates;
• receiving by a computer a set of representative investor profiles for each of said asset allocation glide paths;
• receiving by said computer a configuration for matching an investor to one of said asset allocation glide paths;
• receiving by said computer a profile of said investor, said profile of said investor including at least one of an initial balance and a cash flow;
• performing by said computer a simulation of a financial future of said investor in at least one of said reference date dependent investment vehicles;
• at each period of said simulation said simulation recommending at least one of said asset allocation glide paths that when combined with projected non-recommendable assets of said investor results in a complete wealth portfolio target;
• and
• recommending future asset allocation changes in each period of said simulation based on said at least one of said asset allocation glide paths and said profile of said investor.