Abstract: A method of providing financial advice to a client that provides sufficient confidence that their goals will be achieved or exceeded but that avoids excessive sacrifice to the client's current or future lifestyle and avoids investment risk that is not needed to provide sufficient confidence of the goals a client personally values. The method comprises obtaining typical client background information, as well as a list of investment goals, and ideal and acceptable values in dollar amounts and timing for each goal. The client is then asked to provide their preferences for goals on the list compared to other goals in the list. A recommendation is then created using the portfolio value, and the client goal preferences and the ideal and acceptable values of goals, by simulating models of the relevant capital markets.

Abstract: A method of providing financial advice to a client that provides sufficient confidence that their goals will be achieved or exceeded but that avoids excessive sacrifice to the client's current or future lifestyle and avoids investment risk that is not needed to provide sufficient confidence of the goals a client personally values. The method comprises obtaining typical client background information, as well as a list of investment goals, and ideal and acceptable values in dollar amounts and timing for each goal. The client is then asked to provide their preferences for goals on the list compared to other goals in the list. A recommendation is then created using the portfolio value, and the client goal preferences and the ideal and acceptable values of goals, by simulating models of the relevant capital markets.

Abstract: A method of providing financial advice to a client that provides sufficient confidence that their goals will be achieved or exceeded but that avoids excessive sacrifice to the client's current or future lifestyle and avoids investment risk that is not needed to provide sufficient confidence of the goals a client personally values. The method comprises obtaining typical client background information, as well as a list of investment goals, and ideal and acceptable values in dollar amounts and timing for each goal. The client is then asked to provide their preferences for each goal on the list compared to each other goal in the list. A recommendation is then created using the portfolio value, and the client goal preferences and the ideal and acceptable values of goals, by simulating models of the relevant capital markets.

Abstract: A method of financial advising comprises performing, by a computer, a simulation of an investment allocation over a predetermined time period. The computer determines, using the simulation of the investment allocation, a plurality of upper and lower boundary portfolio values. Each upper boundary portfolio value comprises an amount of money calculated to provide a first predetermined likelihood of exceeding a value for a client goal from a present date until a corresponding date. Each lower boundary portfolio value comprise an amount of money calculated to provide a second predetermined likelihood of exceeding the value for the goal from a present date until the corresponding date. The computer determines a plurality of anticipated future portfolio values and an estimated chance that the anticipated future portfolio values will be greater than the upper boundary portfolio value or less than the lower boundary portfolio value on a corresponding date.

Abstract: A method of providing financial advice to a client that provides sufficient confidence that their goals will be achieved or exceeded but that avoids excessive sacrifice to the client's current or future lifestyle and avoids investment risk that is not needed to provide sufficient confidence of the goals a client personally values. The method comprises obtaining typical client background information, as well as a list of investment goals, and ideal and acceptable values in dollar amounts and timing for each goal. The client is then asked to provide their preferences for each goal on the list compared to each other goal in the list, wherein the client's preference is expressed in terms of the price, in money or time, that the client is willing to pay in one goal to achieve another goal or a greater amount or sooner timing of other goals on the list. A matrix can be used to express these value contrasts.

Abstract: A method for evaluating a financial plan, including a predetermined initial values of investments and one or more contribution or withdrawal amounts corresponding to selected times after the commencement of the financial plan, includes the steps of calculating the change in a predetermined initial value of an investment over a time interval based on changes in value over a randomly-selected first historical time interval to obtain a changed investment value, updating the changed investment value based on the selected contribution or withdrawal amount corresponding to the length of the time interval in accordance with the financial plan to obtain a further changed investment value, calculating the change in the further changed investment value over a second time interval based on changes over a randomly-selected second historical time interval to obtain a further investment value, repeating the steps of calculating, updating and again calculating with respect to a randomly-selected third historical time interv

Abstract: A method for evaluating financial plans includes the steps of calculating the change in a predetermined initial value of an investment over a time interval based on changes in value over a first historical time interval to obtain a changed investment value, updating the changed investment value based on the selected amount and time to obtain a further changed investment value, calculating the change in the further changed investment value over a second time interval based on changes over a second historical time interval to obtain a further investment value, repeating the steps of calculating, updating and again calculating with respect to a third historical time interval and a fourth historical time interval, respectively, and after at least one of the calculations, adjusting the investment value based on at least one of a contribution amount and a withdrawal amount. The method may be repeated numerous times using various start dates for the historical data to obtain a range of possible results.

Abstract: A method for evaluating a financial plan, including a predetermined initial values of investments and one or more contribution or withdrawal amounts corresponding to selected times after the commencement of the financial plan, includes the steps of calculating the change in a predetermined initial value of an investment over a time interval based on changes in value over a randomly-selected first historical time interval to obtain a changed investment value, updating the changed investment value based on the selected contribution or withdrawal amount corresponding to the length of the time interval in accordance with the financial plan to obtain a further changed investment value, calculating the change in the further changed investment value over a second time interval based on changes over a randomly-selected second historical time interval to obtain a further investment value, repeating the steps of calculating, updating and again calculating with respect to a randomly-selected third historical time interv