Abstract: Disclosed are computer-implemented systems and software comprising a software module configured to provide financial product education, research, and recommendation tools, the tools operating in a self-service mode adapted for use by a consumer; a software module configured to provide the financial product education, research, and recommendation tools, the tools operating in a collaboration mode, the collaboration mode comprising a sales overlay adapted for use by a sales representative; and a software module configured to generate a unique code for the consumer, the code providing persistence of state and data information between the self-service mode and the collaboration mode across locations and interfaces without authentication. Also disclosed are methods of making and using the same.

Abstract: Disclosed are computer-implemented systems and software comprising a software module configured to provide financial product education, research, and recommendation tools, the tools operating in a self-service mode adapted for use by a consumer; a software module configured to provide the financial product education, research, and recommendation tools, the tools operating in a collaboration mode, the collaboration mode comprising a sales overlay adapted for use by a sales representative; and a software module configured to generate a unique code for the consumer, the code providing persistence of state and data information between the self-service mode and the collaboration mode across locations and interfaces without authentication. Also disclosed are methods of making and using the same.

Abstract: Disclosed are computer-implemented systems and software comprising a software module configured to provide financial product education, research, and recommendation tools, the tools operating in a self-service mode adapted for use by a consumer; a software module configured to provide the financial product education, research, and recommendation tools, the tools operating in a collaboration mode, the collaboration mode comprising a sales overlay adapted for use by a sales representative; and a software module configured to generate a unique code for the consumer, the code providing persistence of state and data information between the self-service mode and the collaboration mode across locations and interfaces without authentication. Also disclosed are methods of making and using the same.