Abstract: A system for determining risk capacity for portfolio recommendations is provided that includes a user interface that inputs user information and goals. A rules base engine receives the user information and derives risk capacity, wherein the rules base engine provides the user initial portfolio recommendations that are based on the derived risk capacity and goals as well as automatically rebalancing the derived risk capacity as a time horizon approaches.

Abstract: In some embodiments, the instant invention provides for a computer-implemented interactive lifestyle reinforcement game that includes steps of: displaying a first visual area and a second visual area of the game; where the first visual area includes X panes with descriptions of routines and activities; where the second visual area includes Y subareas, and where a number of Y subareas is less than a number of X panes; moving each X pane selected by a player into one of the Y subareas of the second visual area until all Y subareas are filled; displaying indication that identifies player's progress in performing selected routine and/or activity; automatically removing a completed routine or a completed activity from an associated Y subarea; allowing the player to select a new routine, a new activity, or both; and repeating steps based on the player's desire or until there are no more available X panes.