Abstract: A direct-to-consumer financial analysis and advisor comparison system has a website in electronic communication with a server and is provided on a subscription basis. The website receives user information including estate, insurance, tax, and investment information. A system aggregator uses the user information to automatically calculate a financial wellness score for each user, representing a comprehensive financial analysis. The system aggregator uses the user information to automatically create a prioritized to-do list for each user, the to-do list representing tasks to be completed to track and implement a series of actions that will achieve the user's financial goals. A comparer uses the user information to automatically generate an aggregated viewpoint of all users, which is then reported back to each individual user to show a series of financial analytics regarding all users, a series of users based upon a sub-filter based upon specified criteria by the user, etc.

Abstract: A direct-to-consumer financial advisor rating system has a website in electronic communication with a server and is provided on a subscription basis. The server includes a scorer which retrieves a first rating, a second rating, and a third rating upon receiving a search request for an advisor, the first rating quantifying the advisor's qualifications and expertise, the second rating quantifying the advisor's communication, work flexibility and performance skills, the third rating quantifying the advisor's ethics and independence from conflicts. The scorer uses the first, second and third ratings to calculate an overall rating score for the advisor, the overall rating score shown as a single number and representing a comprehensive analysis of a quality of the advisor, the overall rating score providing a measure with which to benchmark the advisor against other advisors. The website displays the overall rating score to the user who made the search request.

Abstract: A method for gathering, organizing, and analyzing an individual's financial information includes using a computer to gather financial information from an individual. A balance sheet is automatically generated with the computer using the gathered financial information, the balance sheet having an asset column and a liability column. A cash flow projections report is automatically generated with the computer using the gathered financial information, the cash flow projections report having year-by-year projections until a year of expected death for the individual. A financial score of 0 to 100 is calculated with the computer using the gathered financial information, the balance sheet, and the cash flow projections report.

Abstract: A direct-to-consumer financial advisor rating system has a website in electronic communication with a server and is provided on a subscription basis. The server includes a scorer which retrieves a first rating, a second rating, and a third rating upon receiving a search request for an advisor, the first rating quantifying the advisor's qualifications and expertise, the second rating quantifying the advisor's communication, work flexibility and performance skills, the third rating quantifying the advisor's ethics and independence from conflicts. The scorer uses the first, second and third ratings to calculate an overall rating score for the advisor, the overall rating score shown as a single number and representing a comprehensive analysis of a quality of the advisor, the overall rating score providing a measure with which to benchmark the advisor against other advisors. The website displays the overall rating score to the user who made the search request.

Abstract: A direct-to-consumer financial analysis and advisor comparison system has a website in electronic communication with a server and is provided on a subscription basis. The website receives user information including estate, insurance, tax, and investment information. A system aggregator uses the user information to automatically calculate a financial wellness score for each user, representing a comprehensive financial analysis. The system aggregator uses the user information to automatically create a prioritized to-do list for each user, the to-do list representing tasks to be completed to track and implement a series of actions that will achieve the user's financial goals. A comparer uses the user information to automatically generate an aggregated viewpoint of all users, which is then reported back to each individual user to show a series of financial analytics regarding all users, a series of users based upon a sub-filter based upon specified criteria by the user, etc.