Abstract: The invention relates to investment optimizing systems and methods. Once an investor or investment advisor determines the appropriate asset allocation and there are both taxable accounts and at least one of a tax-deferred and tax-free investment account, the systems and methods will optimize the investor's after-tax asset accumulation. This is accomplished by allocating the chosen investment vehicles between the taxable and at least one of the tax-deferred and tax-free accounts in an optimum manner. The invention includes a computer system and methods of the invention run on a computer system and further include the use of intelligent heuristics for measuring increased performance based on different asset allocations.

Abstract: The invention relates to investment optimizing systems and methods. Once an investor or investment advisor determines the appropriate asset allocation and there are both taxable accounts and at least one of a tax-deferred and tax-free investment account, the systems and methods will optimize the investor's after-tax asset accumulation. This is accomplished by allocating the chosen investment vehicles between the taxable and at least one of the tax-deferred and tax-free accounts in an optimum manner. The invention includes a computer system and methods of the invention run on a computer system and further include the use of intelligent heuristics for measuring increased performance based on different asset allocations.

Abstract: The invention relates to systems and methods for optimizing investments in view of anticipated education or mortgage expenses. One an allocation of assets among investments is determined, and education or mortgage costs are to be considered, systems and methods of the invention assist in optimizing a tax treatment by allocating the chosen investments from accounts based on the tax treatment of those accounts. The invention includes a computer system and methods of the invention run on a computer system.