Abstract: A system includes a server operable to communicatively couple with a customer interface device (CID) such that state-of-life inputs from the CID are communicated to the server. The server includes a memory configured to store the state-of-life inputs and storing a program executable by a processor of the server. The server also includes a processor configured to execute the program such that the program determines a financial service product based on the state-of-life inputs and such that the server issues a communication to the CID including a recommendation of the financial service product. The processor is also configured to format one or more selections made by the customer from the recommendation on a single-rail managed account product continuum having two or more financial service products.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a digital conversation is described. One of the methods includes guiding a user through a directed conversation having a plurality of flows, each flow including at least one statement to be made by a digital advisor. The method includes receiving user input as part of the directed conversation. The method includes selecting one of the flows based on the received user input. The method also includes storing at least some of the information provided by the user in a data store.

Abstract: A system may include a processor that receives investor data associated with a user, such that the investor data includes investments held by the user. The processor may then determine a reallocation plan of the investments based on the investor data, send a request to a computing device associated with the user that prompts a response for approval or denial to enable the processor to reallocate the investments according to the reallocation plan, and track the investments over a period of time as if reallocated per the reallocation plan when the response includes the denial. The processor may then generate a first set of visualizations that correspond to a current balance of the one or more investments over the period of time as if reallocated per the reallocation plan and send the first set of visualizations to the computing device, such that the computing device displays the first set of visualizations.

Abstract: A system includes a server operable to communicatively couple with a customer interface device (CID) such that state-of-life inputs from the CID are communicated to the server. The server includes a memory configured to store the state-of-life inputs and storing a program executable by a processor of the server. The server also includes a processor configured to execute the program such that the program determines a financial service product based on the state-of-life inputs and such that the server issues a communication to the CID including a recommendation of the financial service product. The processor is also configured to format one or more selections made by the customer from the recommendation on a single-rail managed account product continuum having two or more financial service products.