Abstract: A financial planning system automatically chooses financial products, such as insurance or annuities, for an individual's financial plan or financial strategy. The financial planning system can automatically purchase financial products on behalf of the individual. Reduced (anonymized) versions of the financial plans are automatically analyzed to create financial product demand curves by product type, and these demand curves are respectively sent to financial product providers, to encourage commercial offers in accordance with the individuals' financial plans or financial strategies. The financially planning system automatically detects the possibility of bankruptcy during simulations and automatically tries to prevent it via expense reduction, expense elimination, emergency general loan(s) and/or asset liquidation.

Abstract: A financial planning system automatically chooses products and financing for goals in an individual's financial plan or financial strategy, in accordance with desired product characteristics, financing templates, and test criteria provided by the individual. The financial planning system automatically commits to product purchases and loans on behalf of the individual. Financing alone can be selected for goals, and automatically committed. Products without financing can be selected for goals, and automatically purchased. Reduced (anonymized) versions of the financial plans are automatically analyzed to create product demand curves by product type, and loan demand curves by loan type, and these demand curves are respectively sent to product suppliers and loan providers, to encourage commercial offers in accordance with the individuals' financial plans or financial strategies.

Abstract: A financial planning system automatically chooses which goals to fund, and which assets to liquidate to enable goal funding. A user specifies her goals with associated priorities, possibly with a variable timeframe and/or a variable cost. As the system decides that a goal is affordable, by determining that the user's wealth in a simulation scenario exceeds a benchmark based on the user's financial situation, the system changes that goal to a committed life action. The user's investment allocation may automatically change in response to one or more of the user's age, life actions and total wealth. If the simulation scenarios result in an acceptable plan, and if the user has given permission, the financial planning system then acts on this plan, such as by moving funds among accounts or placing securities trades. The system can be used for asset management, money management, and consumption advice.