Abstract: Embodiments described herein provide a timeline-based decumulation management mechanism for wealth management in retirement. The mechanism incorporates a plurality of factors and constraints including a desired consumption and bequeath, investment in qualified and nonqualified accounts, account disbursement and conversion rules, income and capital gains taxes, tracking of tax lots, estate tax rules such as basis step-up, Social Security, pensions, real estate, mortgages, SPIA and deferred income annuities, term life insurance, and alternatives. Specifically, the mechanism translates various account information into one or more convex constraints over a consumption variable, an income variable, a taxable income variable, and a bequest variable at the current year. Subject to these convex constraints, the mechanism is able to formulate a convex optimization problem that maximizes a utility representing the lifetime expectation of assets.

Abstract: According to at least one aspect, a system for analyzing computer usage data of a user to identify an underlying task being performed by the user is provided. The system includes a hardware processor and a non-transitory computer-readable storage medium storing processor-executable instructions that, when executed by the hardware processor, cause the hardware processor to perform: receiving a plurality of events each indicative of an action performed by a user and contextual information associated with the action performed by the user, clustering the plurality of events to generate a plurality of clustered events, identifying a plurality of sub-tasks in the plurality of clustered events that each comprise a sequence of clustered events, identifying a task in the plurality of clustered events being performed by the user that comprises at least one sub-task, and generating a score for the task indicative of a difficulty of automating the task.

Abstract: According to at least one aspect, a system for analyzing computer usage data of a user to identify an underlying task being performed by the user is provided. The system includes a hardware processor and a non-transitory computer-readable storage medium storing processor-executable instructions that, when executed by the hardware processor, cause the hardware processor to perform: receiving a plurality of events each indicative of an action performed by a user and contextual information associated with the action performed by the user, clustering the plurality of events to generate a plurality of clustered events, identifying a plurality of sub-tasks in the plurality of clustered events that each comprise a sequence of clustered events, identifying a task in the plurality of clustered events being performed by the user that comprises at least one sub-task, and generating a score for the task indicative of a difficulty of automating the task.

Abstract: According to at least one aspect, a system for collecting computer usage information is provided. The system includes a hardware processor, a display coupled to the hardware processor to display a user interface, and a computer-readable storage medium storing processor-executable instructions that cause the hardware processor to receive an indication of an action being performed by a user on the system, cause the system to wait before updating the user interface in response to the action performed by the user, gather contextual information associated with the action while the system is waiting to process the action performed by the user to update the user interface, cause the system to update the user interface in response to the action performed by the user after gathering the contextual information, and store information indicative of the action and the contextual information.

Abstract: According to at least one aspect, a system for collecting computer usage information is provided. The system includes a hardware processor, a display coupled to the hardware processor to display a user interface, and a computer-readable storage medium storing processor-executable instructions that cause the hardware processor to receive an indication of an action being performed by a user on the system, gather contextual information associated with the action responsive to the action performed by the user, store information indicative of the action and the contextual information in a volatile memory as an event, determine whether at least one event stored in the volatile memory includes personal information of the user, and write the at least one event stored in the volatile memory to an event log in a non-volatile memory responsive to a determination that the at least one event does not include personal information of the user.

Abstract: According to at least one aspect, a system for analyzing computer usage data of a user to identify an underlying task being performed by the user is provided. The system includes a hardware processor and a non-transitory computer-readable storage medium storing processor-executable instructions that, when executed by the hardware processor, cause the hardware processor to perform: receiving a plurality of events each indicative of an action performed by a user and contextual information associated with the action performed by the user, clustering the plurality of events to generate a plurality of clustered events, identifying a plurality of sub-tasks in the plurality of clustered events that each comprise a sequence of clustered events, identifying a task in the plurality of clustered events being performed by the user that comprises at least one sub-task, and generating a score for the task indicative of a difficulty of automating the task.

Abstract: According to at least one aspect, a system for analyzing computer usage data of a user to identify an underlying task being performed by the user is provided. The system includes a hardware processor and a non-transitory computer-readable storage medium storing processor-executable instructions that, when executed by the hardware processor, cause the hardware processor to perform: receiving a plurality of events each indicative of an action performed by a user and contextual information associated with the action performed by the user, clustering the plurality of events to generate a plurality of clustered events, identifying a plurality of sub-tasks in the plurality of clustered events that each comprise a sequence of clustered events, identifying a task in the plurality of clustered events being performed by the user that comprises at least one sub-task, and generating a score for the task indicative of a difficulty of automating the task.

Abstract: According to at least one aspect, a system for collecting computer usage information is provided. The system includes a hardware processor, a display coupled to the hardware processor to display a user interface, and a computer-readable storage medium storing processor-executable instructions that cause the hardware processor to receive an indication of an action being performed by a user on the system, gather contextual information associated with the action responsive to the action performed by the user, store information indicative of the action and the contextual information in a volatile memory as an event, determine whether at least one event stored in the volatile memory includes personal information of the user, and write the at least one event stored in the volatile memory to an event log in a non-volatile memory responsive to a determination that the at least one event does not include personal information of the user.

Abstract: According to at least one aspect, a system for collecting computer usage information is provided. The system includes a hardware processor, a display coupled to the hardware processor to display a user interface, and a computer-readable storage medium storing processor-executable instructions that cause the hardware processor to receive an indication of an action being performed by a user on the system, cause the system to wait before updating the user interface in response to the action performed by the user, gather contextual information associated with the action while the system is waiting to process the action performed by the user to update the user interface, cause the system to update the user interface in response to the action performed by the user after gathering the contextual information, and store information indicative of the action and the contextual information.

Abstract: According to at least one aspect, a system for collecting computer usage information is provided. The system includes a hardware processor, a display coupled to the hardware processor to display a user interface, and a computer-readable storage medium storing processor-executable instructions that cause the hardware processor to receive an indication of an action being performed by a user on the system, cause the system to wait before updating the user interface in response to the action performed by the user, gather contextual information associated with the action while the system is waiting to process the action performed by the user to update the user interface, cause the system to update the user interface in response to the action performed by the user after gathering the contextual information, and store information indicative of the action and the contextual information.

Abstract: According to at least one aspect, a system for analyzing computer usage data of a user to identify an underlying task being performed by the user is provided. The system includes a hardware processor and a non-transitory computer-readable storage medium storing processor-executable instructions that, when executed by the hardware processor, cause the hardware processor to perform: receiving a plurality of events each indicative of an action performed by a user and contextual information associated with the action performed by the user, clustering the plurality of events to generate a plurality of clustered events, identifying a plurality of sub-tasks in the plurality of clustered events that each comprise a sequence of clustered events, identifying a task in the plurality of clustered events being performed by the user that comprises at least one sub-task, and generating a score for the task indicative of a difficulty of automating the task.

Abstract: According to at least one aspect, a system for collecting computer usage information is provided. The system includes a hardware processor, a display coupled to the hardware processor to display a user interface, and a computer-readable storage medium storing processor-executable instructions that cause the hardware processor to receive an indication of an action being performed by a user on the system, cause the system to wait before updating the user interface in response to the action performed by the user, gather contextual information associated with the action while the system is waiting to process the action performed by the user to update the user interface, cause the system to update the user interface in response to the action performed by the user after gathering the contextual information, and store information indicative of the action and the contextual information.