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WO2005059709A3 - Method and system for financial advising - Google Patents

Method and system for financial advising Download PDF

Info

Publication number
WO2005059709A3
WO2005059709A3 PCT/US2004/042072 US2004042072W WO2005059709A3 WO 2005059709 A3 WO2005059709 A3 WO 2005059709A3 US 2004042072 W US2004042072 W US 2004042072W WO 2005059709 A3 WO2005059709 A3 WO 2005059709A3
Authority
WO
WIPO (PCT)
Prior art keywords
client
goals
investment
risk
ideal
Prior art date
Application number
PCT/US2004/042072
Other languages
French (fr)
Other versions
WO2005059709A2 (en
Inventor
David B Loeper
Original Assignee
David B Loeper
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by David B Loeper filed Critical David B Loeper
Priority to NZ546616A priority Critical patent/NZ546616A/en
Priority to JP2006545366A priority patent/JP2007515017A/en
Priority to EP04814277A priority patent/EP1695279A4/en
Priority to MXPA06005624A priority patent/MXPA06005624A/en
Priority to AU2004300218A priority patent/AU2004300218B2/en
Priority to CA002540003A priority patent/CA2540003A1/en
Publication of WO2005059709A2 publication Critical patent/WO2005059709A2/en
Publication of WO2005059709A3 publication Critical patent/WO2005059709A3/en
Priority to IL174473A priority patent/IL174473A0/en
Priority to AU2010201911A priority patent/AU2010201911B2/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Finance (AREA)
  • Accounting & Taxation (AREA)
  • Development Economics (AREA)
  • Operations Research (AREA)
  • Game Theory and Decision Science (AREA)
  • Human Resources & Organizations (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A method of providing financial advice to a client that provides sufficient confidence that their goals will be achieved or exceeded but that avoids excessive sacrifice to the client's current or future lifestyle and avoids investment. risk that is not needed to provide sufficient confidence, of the,goals a client personally values. The method comprises obtaining typical client background information, as well as a list of investment goals, and ideal and acceptable values in dollar amounts and timing for each goal. A recommendation is then created using the portfolio value, and the client goal preferences and the ideal and acceptable values of goals, by simulating models of the relevant capital markets and investing exclusively in passive investment alternatives to avoid the risk of potential material underperformance of active investments under the premise of avoiding investment risk that is not needed to confidently buy the client the goals they personally value.
PCT/US2004/042072 2003-12-17 2004-12-15 Method and system for financial advising WO2005059709A2 (en)

Priority Applications (8)

Application Number Priority Date Filing Date Title
NZ546616A NZ546616A (en) 2003-12-17 2004-12-15 Method and system for financial advising
JP2006545366A JP2007515017A (en) 2003-12-17 2004-12-15 Method and system for providing investment advice
EP04814277A EP1695279A4 (en) 2003-12-17 2004-12-15 Method and system for financial advising
MXPA06005624A MXPA06005624A (en) 2003-12-17 2004-12-15 Method and system for financial advising.
AU2004300218A AU2004300218B2 (en) 2003-12-17 2004-12-15 Method and system for financial advising
CA002540003A CA2540003A1 (en) 2003-12-17 2004-12-15 Method and system for financial advising
IL174473A IL174473A0 (en) 2003-12-17 2006-03-21 Method and system for financial advising
AU2010201911A AU2010201911B2 (en) 2003-12-17 2010-05-12 Method and system for financial advising

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US53014403P 2003-12-17 2003-12-17
US60/530,144 2003-12-17

Publications (2)

Publication Number Publication Date
WO2005059709A2 WO2005059709A2 (en) 2005-06-30
WO2005059709A3 true WO2005059709A3 (en) 2005-09-15

Family

ID=34700100

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2004/042072 WO2005059709A2 (en) 2003-12-17 2004-12-15 Method and system for financial advising

Country Status (9)

Country Link
EP (1) EP1695279A4 (en)
JP (1) JP2007515017A (en)
AU (1) AU2010201911B2 (en)
CA (1) CA2540003A1 (en)
IL (1) IL174473A0 (en)
MX (1) MXPA06005624A (en)
NZ (1) NZ546616A (en)
WO (1) WO2005059709A2 (en)
ZA (1) ZA200604714B (en)

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070043642A1 (en) * 2004-08-20 2007-02-22 Smith Eric S Method configured for facilitating financial consulting services
WO2007106058A2 (en) * 2006-02-16 2007-09-20 Consulting Services Support Corporation Decision assistance platform configured for facilitating financial consulting services
KR101511291B1 (en) * 2012-09-03 2015-04-10 주식회사 신한은행 Method for providing asset management service and portfolio report by bank server and the same bank server
JP6440351B2 (en) * 2013-09-25 2018-12-19 株式会社日立国際電気 Product sales support system, product sales support method, and product sales support device
JP6588724B2 (en) * 2015-04-06 2019-10-09 未来貯金株式会社 Defined contribution pension management support server and defined contribution pension management support program
KR101906532B1 (en) * 2016-11-08 2018-10-11 (주)인텔리퀀트 Method and system for configuring portfolio of financial product
US20190057449A1 (en) * 2017-08-19 2019-02-21 Wealth Technologies Inc. System and method for financial planning, advice and management
JP6326538B1 (en) * 2017-09-11 2018-05-16 株式会社三菱東京Ｕｆｊ銀行 Computer system, method and program for proposing goods or services to customers
US11334947B1 (en) * 2017-12-11 2022-05-17 United Income, Inc. Systems and methods for modeling future value
JP6538230B2 (en) * 2018-03-27 2019-07-03 株式会社三菱Ｕｆｊ銀行 Computer system, method and program for proposing a product or service to a customer
JP2019139782A (en) * 2019-03-15 2019-08-22 株式会社三菱Ｕｆｊ銀行 Computer system, method and program for proposing commodity or service to client
JP6750080B1 (en) * 2019-10-30 2020-09-02 土井 真典 Operation support device and operation support program

Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5987433A (en) * 1996-06-03 1999-11-16 General Electric Company Method and system for developing a time horizon based investment strategy
US5999918A (en) * 1997-04-02 1999-12-07 Rational Investors, Inc. Interactive color confidence indicators for statistical data
US6012043A (en) * 1996-09-09 2000-01-04 Nationwide Mutual Insurance Co. Computerized system and method used in financial planning
US6012044A (en) * 1997-12-10 2000-01-04 Financial Engines, Inc. User interface for a financial advisory system
US6021397A (en) * 1997-12-02 2000-02-01 Financial Engines, Inc. Financial advisory system
US6064986A (en) * 1997-09-23 2000-05-16 Edelman Financial Services, Inc. Computer assisted and/or implemented process and architecture for customer account creation, maintenance and administration for an investment and/or retirement program
US6154732A (en) * 1997-07-25 2000-11-28 Guidedchoice.Com System for providing investment advice and management of pension assets
US6275814B1 (en) * 1996-11-27 2001-08-14 Investment Strategies Network Investment portfolio selection system and method
US6430542B1 (en) * 1998-08-26 2002-08-06 American Express Financial Corporation Computer-implemented program for financial planning and advice system

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5884287A (en) * 1996-04-12 1999-03-16 Lfg, Inc. System and method for generating and displaying risk and return in an investment portfolio
US6772136B2 (en) * 1997-08-21 2004-08-03 Elaine Kant System and method for financial instrument modeling and using Monte Carlo simulation
WO2000026843A1 (en) * 1998-11-05 2000-05-11 Loeper David B Method, system and computer program for auditing financial plans
US20020073005A1 (en) * 2000-05-25 2002-06-13 Welnicki Raymond P. Computerized lifestyle planning system and method
JP2002073968A (en) * 2000-09-01 2002-03-12 Capital Asset Planning Inc Asset management design system
JP2002140527A (en) * 2000-11-02 2002-05-17 Sumitomo Life Insurance Co Lifestyle optimization proposal system and server device thereof, lifestyle optimization proposal method, and recording medium

Patent Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5987433A (en) * 1996-06-03 1999-11-16 General Electric Company Method and system for developing a time horizon based investment strategy
US6012043A (en) * 1996-09-09 2000-01-04 Nationwide Mutual Insurance Co. Computerized system and method used in financial planning
US6275814B1 (en) * 1996-11-27 2001-08-14 Investment Strategies Network Investment portfolio selection system and method
US5999918A (en) * 1997-04-02 1999-12-07 Rational Investors, Inc. Interactive color confidence indicators for statistical data
US6154732A (en) * 1997-07-25 2000-11-28 Guidedchoice.Com System for providing investment advice and management of pension assets
US6064986A (en) * 1997-09-23 2000-05-16 Edelman Financial Services, Inc. Computer assisted and/or implemented process and architecture for customer account creation, maintenance and administration for an investment and/or retirement program
US6021397A (en) * 1997-12-02 2000-02-01 Financial Engines, Inc. Financial advisory system
US6012044A (en) * 1997-12-10 2000-01-04 Financial Engines, Inc. User interface for a financial advisory system
US6430542B1 (en) * 1998-08-26 2002-08-06 American Express Financial Corporation Computer-implemented program for financial planning and advice system

Also Published As

Publication number Publication date
AU2010201911B2 (en) 2011-08-18
CA2540003A1 (en) 2005-06-30
NZ546616A (en) 2007-06-29
IL174473A0 (en) 2006-10-05
ZA200604714B (en) 2008-05-28
AU2004300218A1 (en) 2005-06-30
EP1695279A2 (en) 2006-08-30
AU2010201911A1 (en) 2010-06-03
JP2007515017A (en) 2007-06-07
EP1695279A4 (en) 2009-07-22
MXPA06005624A (en) 2006-08-17
WO2005059709A2 (en) 2005-06-30

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