Abstract: A method and apparatus of a device that performs goals-based investing using an account-level target is described. In one embodiment, the device processes data representing a plurality of goals of an investor, an investment style for each goal, an account for funding the goals, and initial funding levels for each goal to create a goal-level target for each goal. The device creates an account-level target based on the goal-level targets and an initial blend ratio that is formed from the initial funding levels. The device manages a purchased portfolio of the investor using the account-level target. The device allocates funds of the purchased portfolio to the goals such that the allocated funds update the funding levels for each goal. In a further embodiment, the device updates the account-level target based on an updated blend ratio, where the updated blend ratio is formed from the updated funding levels for each goal.

Abstract: A method and apparatus of a device that performs goals-based investing using an account-level target is described. In one embodiment, the device processes data representing a plurality of goals of an investor, an investment style for each goal, an account for funding the goals, and initial funding levels for each goal to create a goal-level target for each goal. The device creates an account-level target based on the goal-level targets and an initial blend ratio that is formed from the initial funding levels. The device manages a purchased portfolio of the investor using the account-level target. The device allocates funds of the purchased portfolio to the goals such that the allocated funds update the funding levels for each goal. In a further embodiment, the device updates the account-level target based on an updated blend ratio, where the updated blend ratio is formed from the updated funding levels for each goal.

Abstract: A method and apparatus of a device that computes the total tax cost difference between an actual client portfolio and a model portfolio is described. In an exemplary embodiment, the device receives client data corresponding to the actual portfolio and model data corresponding to the model portfolio. The device further computes the total tax cost difference between the actual portfolio and the model portfolio. To compute the total tax difference, the device computes a plurality of individual tax cost differences during a comparison time period between positions of a plurality of securities in both the actual portfolio and the model portfolio and sums the plurality of individual tax cost differences to give the total tax cost difference. In addition, the device stores the total tax cost difference in storage.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for preferred portfolio templates. One of the methods includes identifying a base data structure, the base data structure having nodes, each node of the base data structure having attributes. The method includes generating a dependent data structure based on the base data structure, each node in the base data structure having a corresponding a node in the dependent data structure. The method also includes determining whether to automatically change an attribute of a node in the dependent data structure in response to a change in an attribute of the corresponding node of the base data structure.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for preferred portfolio templates. One of the methods includes identifying a base data structure, the base data structure having nodes, each node of the base data structure having attributes. The method includes generating a dependent data structure based on the base data structure, each node in the base data structure having a corresponding a node in the dependent data structure. The method also includes determining whether to automatically change an attribute of a node in the dependent data structure in response to a change in an attribute of the corresponding node of the base data structure.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for preferred portfolio templates. One of the methods includes identifying a base data structure, the base data structure having nodes, each node of the base data structure having attributes. The method includes generating a dependent data structure based on the base data structure, each node in the base data structure having a corresponding a node in the dependent data structure. The method also includes determining whether to automatically change an attribute of a node in the dependent data structure in response to a change in an attribute of the corresponding node of the base data structure.