Patents by Inventor Gumer Cruz Alvero

Gumer Cruz Alvero has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Automatic income adjustment
    Patent number: 8352294
    Abstract: A method includes receiving market data associated with an investment product that specifies a first guaranteed annual withdrawal amount and a second guaranteed annual withdrawal amount, where the first guaranteed annual withdrawal amount is greater than the second guaranteed annual withdrawal amount. The method includes automatically selecting a guaranteed annual withdrawal amount from the first guaranteed annual withdrawal amount and the second guaranteed annual withdrawal amount based on at least an evaluation of the market data.
    Type: Grant
    Filed: August 9, 2010
    Date of Patent: January 8, 2013
    Assignee: Ameriprise Financial, Inc.
    Inventors: Stephen R. Wolfrath, Tamara L. Pollock, Gumer Cruz Alvero, Douglas Dunning, Sara Janz, Lynn Murphy Abbott, Joseph P. Heckel, Debra Miller Ekberg
  • AUTOMATIC INCOME ADJUSTMENT
    Publication number: 20120036087
    Abstract: A method includes receiving market data associated with an investment product that specifies a first guaranteed annual withdrawal amount and a second guaranteed annual withdrawal amount, where the first guaranteed annual withdrawal amount is greater than the second guaranteed annual withdrawal amount. The method includes automatically selecting a guaranteed annual withdrawal amount from the first guaranteed annual withdrawal amount and the second guaranteed annual withdrawal amount based on at least an evaluation of the market data.
    Type: Application
    Filed: August 9, 2010
    Publication date: February 9, 2012
    Applicant: Ameriprise Financial, Inc.
    Inventors: Stephen R. Wolfrath, Tamara L. Pollock, Gumer Cruz Alvero, Douglas Dunning, Sara Janz, Lynn Murphy Abbott, Joseph P. Heckel, Debra Miller Ekberg