Patents Assigned to Ameriprise Financial, Inc.
  • Patent number: 10249001
    Abstract: A particular method includes creating a financial planning goal for a financial planning client based at least in part on a financial planning objective. A financial planning recommendation is associated with the financial planning goal, and data identifying the financial planning goal and the financial planning recommendation is stored in a data store. The method also includes monitoring activity of the financial planning client and at least one other financial planning client to detect a financial planning trend. In response to the detected trend, a financial planning product is selected for potential incorporation into subsequent recommendation(s).
    Type: Grant
    Filed: December 16, 2013
    Date of Patent: April 2, 2019
    Assignee: AMERIPRISE, FINANCIAL, INC.
    Inventors: William J. Moran, Bryan Charlesworth, Stan Jacobson, James R. Geppert, Marcy Keckler, Bryan Doherty, Nicolle Reker
  • Publication number: 20190043136
    Abstract: The system includes automated methods for managing risk associated with investment products. A logic engine executes portfolio realignment and contract benefit calculations according to timing rules or event-based triggers. The investment product may provide a guaranteed withdrawal benefit option that allows for a variety of investment, payment, withdrawal, fee and termination options.
    Type: Application
    Filed: October 12, 2018
    Publication date: February 7, 2019
    Applicant: AMERIPRISE FINANCIAL, INC.
    Inventors: Lynn Abbott, Gumer Alvero, Daniel Brooks, Douglas Dunning, Kerry Kennedy, William Kocken, Tamara Pollock, Stephen Wolfrath
  • Publication number: 20150339781
    Abstract: Automated methods for managing risk associated with investment products is disclosed. A logic engine executes portfolio realignment and contract benefit calculations according to timing rules or event-based triggers. The investment product may provide a guaranteed withdrawal benefit option that allows for a variety of investment, payment, withdrawal, fee and termination options.
    Type: Application
    Filed: August 4, 2015
    Publication date: November 26, 2015
    Applicant: AMERIPRISE FINANCIAL, INC.
    Inventors: Lynn Abbott, Gumer Alvero, Daniel Brooks, Douglas Dunning, Kerry Kennedy, William Kocken, Tamara Pollock, Stephen Wolfrath
  • Patent number: 8751352
    Abstract: An active overlay strategy based on rule-based risk management is implemented by a computer implemented method. The method includes receiving a data value representing implied volatility of a market. The method also includes automatically generating an order to sell call options. The order includes a quantity of call options to sell, where the quantity is determined at least in part based on an evaluation of the data value.
    Type: Grant
    Filed: October 8, 2009
    Date of Patent: June 10, 2014
    Assignee: Ameriprise Financial, Inc.
    Inventors: Charles W. Kadlec, John Kurt Schonberg, Gary Alan Terpening
  • Patent number: 8688556
    Abstract: A method includes generating a first interactive graphical user interface (GUI) that identifies one or more guaranteed income options to fund essential retirement expenses and receiving a selection of a guaranteed income option. The method includes generating a second interactive GUI that identifies one or more investment options to fund lifestyle retirement expenses and receiving a selection of an investment option. The method includes generating a third interactive GUI that identifies one or more unexpected liability coverage options and receiving a selection of an unexpected liability coverage option. The method includes generating a fourth interactive GUI that identifies one or more legacy planning options and receiving a selection of a legacy planning option. The method includes generating a retirement plan that identifies the selected guaranteed income option, the selected investment option, the selected unexpected liability coverage option, and the selected legacy planning option.
    Type: Grant
    Filed: June 12, 2012
    Date of Patent: April 1, 2014
    Assignee: Ameriprise Financial, Inc.
    Inventors: Mike R. Greene, Logan C. Clipp, Kim M. Sharan, John R. Woerner, William F. Truscott
  • Publication number: 20140039938
    Abstract: A method includes receiving first user input indicating selection of a guaranteed income option to fund essential retirement expenses. The method further includes receiving second user input indicating selection of an investment option to fund lifestyle retirement expenses. The method also includes receiving third user input indicating selection of an unexpected liability coverage option, wherein the unexpected liability coverage option includes a long-term care funding option, an unexpected legal expense funding option, or any combination thereof. The method includes receiving fourth user input indicating selection of one or more legacy planning options. The method also includes generating a retirement plan based on the first user input, the second user input, the third user input, and the fourth user input.
    Type: Application
    Filed: October 2, 2013
    Publication date: February 6, 2014
    Applicant: Ameriprise Financial, Inc.
    Inventors: Mike R. Greene, Logan C. Clipp, Kim M. Sharan, John R. Woerner, William F. Truscott
  • Patent number: 8635142
    Abstract: A particular method includes identifying a financial planning objective for a financial planning client and creating a financial planning goal for the financial planning client based at least in part on the financial planning objective. A financial planning recommendation is associated with the financial planning goal, and data identifying the financial planning goal and the financial planning recommendation is stored in a data store. The method also includes monitoring activity of the financial planning client and at least one other financial planning client to detect a financial planning trend. In response to the detected trend, a financial planning product is selected for potential incorporation into subsequent recommendation(s).
    Type: Grant
    Filed: April 4, 2012
    Date of Patent: January 21, 2014
    Assignee: Ameriprise Financial, Inc.
    Inventors: William J. Moran, Bryan Charlesworth, Stan Jacobson, James R. Geppert, Marcy Keckler, Bryan Doherty, Nicolle Reker
  • Patent number: 8631337
    Abstract: A particular method includes detecting a context switch to a first interface. In response to the context switch, data values from a plurality of data fields of the first interface may automatically be copied to a shared storage location.
    Type: Grant
    Filed: March 23, 2011
    Date of Patent: January 14, 2014
    Assignee: Ameriprise Financial, Inc.
    Inventor: Prabhu Arokiaswamy
  • Publication number: 20130332394
    Abstract: A method includes generating a first interactive graphical user interface (GUI) that identifies one or more guaranteed income options to fund essential retirement expenses and receiving a selection of a guaranteed income option. The method includes generating a second interactive GUI that identifies one or more investment options to fund lifestyle retirement expenses and receiving a selection of an investment option. The method includes generating a third interactive GUI that identifies one or more unexpected liability coverage options and receiving a selection of an unexpected liability coverage option. The method includes generating a fourth interactive GUI that identifies one or more legacy planning options and receiving a selection of a legacy planning option. The method includes generating a retirement plan that identifies the selected guaranteed income option, the selected investment option, the selected unexpected liability coverage option, and the selected legacy planning option.
    Type: Application
    Filed: June 12, 2012
    Publication date: December 12, 2013
    Applicant: Ameriprise Financial, Inc.
    Inventors: Mike R. Greene, Logan C. Clipp, Kim M. Sharan, John R. Woerner, William F. Truscott
  • Patent number: 8566184
    Abstract: There is provided a rebalancing tool and method that enables an advisor to monitor client account performance against a client account model, receive alerts out-of-balance client accounts, and preview rebalancing hypothetical results. The rebalancing tool enables the advisor to perform the steps of creating a client model via a web interface and compare the client account against the client model at the asset class level. The rebalancing tool can display out-of-balance client account alerts and out-of-balance client accounts on a rebalancing tool page, and enable a user to test a rebalancing hypothetical that includes modifications to the percentage asset allocation or percentage tolerance threshold at the asset class level, and planned trades to the client account. The rebalancing tools enables a user to prepare rebalancing hypothetical results that may then be presented to the client for approval.
    Type: Grant
    Filed: July 11, 2003
    Date of Patent: October 22, 2013
    Assignee: Ameriprise Financial, Inc.
    Inventors: Eric Joseph Paluck, Julia Ann Newberry, Steven Robert Williamson, Shawn Christian Mize, Teri Lynn Reitan Gemilere, Beth Michelle Vanney
  • Publication number: 20130218805
    Abstract: A method includes receiving a selection of a particular client (or advisor) and determining likelihoods of the selected client (or clients associated with the selected advisor) purchasing products based on the one or more factors correlating previous purchasers of the products. The method includes generating a prioritized list of sales opportunities associated with the selected client (or selected advisor) based on the likelihoods.
    Type: Application
    Filed: February 20, 2012
    Publication date: August 22, 2013
    Applicant: Ameriprise Financial, Inc.
    Inventors: Weining Mao, Ozlem Kinav
  • Patent number: 8498913
    Abstract: The present invention provides systems and methods for facilitating financial advising and planning for a user. The system includes a portfolio integration module that integrates goals, assets, savings, and risk tolerance to develop a customized strategy for financial portfolio planning. A portfolio reconciler module facilitates comparison of the customized strategy to other strategies and projected user financial decisions in order to further facilitate the financial portfolio planning. A stochastic modeling module uses data from the portfolio integration module and the portfolio reconciler module in a stochastic modeling analysis using a synchronous stationary bootstrap sampling method to construct a proposed situation portfolio. A simulator module forecasts the effects of the proposed situation portfolio on the user's portfolio, and monitoring, simulating, designing, and testing the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module.
    Type: Grant
    Filed: May 3, 2004
    Date of Patent: July 30, 2013
    Assignee: Ameriprise Financial, Inc.
    Inventors: Jodi Jenson, Patricia Scarlato, Beth M. Vanney
  • Publication number: 20130124231
    Abstract: An automated funds management system and in particular a system and a method to at least ensure the payment of guaranteed minimum income benefit (“GMIB”) based on the automated sector based allocation of funds in a variable annuity. A contract holder's profile data is evaluated and a profile score is computed based on the evaluated profile data. The GMIB payment stream value is computed based on the available profile data and the assigned profile score. An appropriate asset class percentage allocation of contract holder funds is recommended based on the assigned profile score and the computed GMIB payment stream value. Appropriate subaccounts are identified based on the defined asset class percentage allocation of contract holder funds, GMIB payment stream value, and/or profile score.
    Type: Application
    Filed: October 31, 2012
    Publication date: May 16, 2013
    Applicant: Ameriprise Financial, Inc
    Inventor: Ameriprise Financial, Inc
  • Publication number: 20130096959
    Abstract: A method includes receiving market data associated with an investment product that specifies a first guaranteed annual withdrawal amount and a second guaranteed annual withdrawal amount, where the first guaranteed annual withdrawal amount is greater than the second guaranteed annual withdrawal amount. The method also includes automatically selecting a guaranteed annual withdrawal amount from the first guaranteed annual withdrawal amount and the second guaranteed annual withdrawal amount based on at least an evaluation of the market data.
    Type: Application
    Filed: December 4, 2012
    Publication date: April 18, 2013
    Applicant: Ameriprise Financial, Inc.
    Inventor: Ameriprise Financial, Inc.
  • Publication number: 20130090978
    Abstract: A particular method includes selecting a financial advisor from a plurality of financial advisors. The selected financial advisor has a plurality of financial advising relationships with a plurality of clients. The financial advising relationships are automatically evaluated based on a plurality of risk assessment rules. A relationship risk score for each of the financial advising relationships is computed.
    Type: Application
    Filed: October 5, 2011
    Publication date: April 11, 2013
    Applicant: Ameriprise Financial, Inc.
    Inventors: Brenda Esperum Vaughn, Brendan Moore Foote
  • Patent number: 8407125
    Abstract: The system facilitates portfolio advising and planning for a client. The system includes a portfolio integration module configured to receive and integrate data, wherein the data includes a client's goals, assets, savings and risk tolerance, wherein the portfolio integration module is further configures to compute a customized strategy based on the received data. The portfolio reconciler module is configured to compare a customized strategy to at least one of the other strategies, based on the received and integrated data in order to further facilitate the financial portfolio planning of the client, wherein the financial portfolio planning analyzes both planned hypothetical events and unplanned hypothetical events. The stochastic modeling module is configures to further analyze proposed situation portfolios based on future uncertainties, wherein future uncertainties include the unplanned hypothetical events. The simulation module is configured to compute the probability of meeting the client's goals.
    Type: Grant
    Filed: July 31, 2002
    Date of Patent: March 26, 2013
    Assignee: Ameriprise Financial, Inc.
    Inventors: Jodi Jenson, Mark Ledson, Patti P. Lipinski, William J. Moran, Linda Ostrem, Beth M. Vanney, Gabriella Brose, Patricia Scarlato
  • Patent number: 8352294
    Abstract: A method includes receiving market data associated with an investment product that specifies a first guaranteed annual withdrawal amount and a second guaranteed annual withdrawal amount, where the first guaranteed annual withdrawal amount is greater than the second guaranteed annual withdrawal amount. The method includes automatically selecting a guaranteed annual withdrawal amount from the first guaranteed annual withdrawal amount and the second guaranteed annual withdrawal amount based on at least an evaluation of the market data.
    Type: Grant
    Filed: August 9, 2010
    Date of Patent: January 8, 2013
    Assignee: Ameriprise Financial, Inc.
    Inventors: Stephen R. Wolfrath, Tamara L. Pollock, Gumer Cruz Alvero, Douglas Dunning, Sara Janz, Lynn Murphy Abbott, Joseph P. Heckel, Debra Miller Ekberg
  • Patent number: 8306885
    Abstract: The present invention provides systems and methods for facilitating financial advising and planning for a user. The system includes a portfolio integration module that integrates goals, assets, savings, and risk tolerance to develop a customized strategy for financial portfolio planning. A portfolio reconciler module facilitates comparison of the customized strategy to other strategies and projected user financial decisions in order to further facilitate the financial portfolio planning. A stochastic modeling module uses data from the portfolio integration module and the portfolio reconciler module in a stochastic modeling analysis using a synchronous stationary bootstrap sampling method to construct a proposed situation portfolio. A simulator module forecasts the effects of the proposed situation portfolio on the user's portfolio, and monitoring, simulating, designing, and testing the portfolio integration module, the portfolio reconciler module, and the stochastic modeling module.
    Type: Grant
    Filed: May 3, 2004
    Date of Patent: November 6, 2012
    Assignee: Ameriprise Financial, Inc.
    Inventors: Gabriela Brose, Jodi Jenson, Patricia Scarlato, Beth M. Vanney
  • Publication number: 20120197818
    Abstract: A particular method includes identifying a financial planning objective for a financial planning client and creating a financial planning goal for the financial planning client based at least in part on the financial planning objective. A financial planning recommendation is associated with the financial planning goal, and data identifying the financial planning goal and the financial planning recommendation is stored in a data store. The method also includes monitoring activity of the financial planning client and at least one other financial planning client to detect a financial planning trend. In response to the detected trend, a financial planning product is selected for potential incorporation into subsequent recommendation(s).
    Type: Application
    Filed: April 4, 2012
    Publication date: August 2, 2012
    Applicant: Ameriprise Financial, Inc.
    Inventors: WILLIAM J. MORAN, Bryan Charlesworth, Stan Jacobson, James R. Geppert, Marcy Keckler, Bryan Doherty, Nicolle Reker
  • Patent number: 8190502
    Abstract: Methods, systems, and computer-readable media are disclosed for managing goals and recommendations. A particular method includes identifying one or more financial planning objectives for a financial planning client, receiving information relating to the one or more financial planning objectives, and creating a financial planning goal for the financial planning client based at least in part on an analysis of the information. One or more financial planning recommendations are associated with the financial planning goal, and data identifying the financial planning goal and the one or more financial planning recommendations is stored in a data store. The method also includes monitoring progress of the financial planning client with respect to the financial planning goal over at least a portion of a financial planning lifecycle.
    Type: Grant
    Filed: May 29, 2009
    Date of Patent: May 29, 2012
    Assignee: Ameriprise Financial, Inc.
    Inventors: William J. Moran, Bryan Charlesworth, Stan Jacobson, James R. Geppert, Marcy Keckler, Bryan Doherty, Nicolle Reker