Abstract: A financial defensive condition alert, notification, and communication system and method for promptly and accurately identifying turning points in the economic business cycle; quickly transmitting notification messages to a remote computing device regarding changed economic conditions in real time; and providing a user interface having economic information, asset allocation recommendations, and communication capabilities. The system includes a central computing device, a communications network, a database configured to continually receive and store updated economic data, a series of economic indicator triggers, an alert level system, a remote computing device, and a user interface. The system may further integrate a financial account custodian and/or a financial advisor remote computing device. An embodiment utilizes five different indicator signals to indicate and/or respond to turning points in the business cycle and recession-like economic conditions.

Abstract: A non-emotional system and method for identifying and promptly reacting to macroeconomic and business cycle trends and allocating investment assets accordingly to optimize investment portfolio returns and reduce investment portfolio systematic risk. A preferred embodiment includes a set of indicator signals which tend to indicate and/or respond to recession-like conditions. The indicator signals are based on analysis of multiple known economic data sets. The data sets are manipulated, smoothed, and/or analyzed, and the indicator signals are triggered when certain predetermined patterns within the data occur. In a preferred embodiment, when two or more indicator signals are triggered, pre-recession conditions are determined to exist, and the investment markets are closely monitored. If two or more of the indicator signals are activated and the investment markets trend downward, tactical assets are moved from equity investments to more stable fixed income investments in stages.