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1. 发明授权

US08725614B2 Creating and maintaining a payout-ready portfolio within an investment plan to generate a sustainable income stream 失效
标题翻译：在投资计划中创建和维护支付准备投资组合，以创造可持续的收入来源
公开(公告)号：US08725614B2
公开(公告)日：2014-05-13
申请号：US13195447
申请日：2011-08-01
申请人： Jason S. Scott , Shinichiro Inoue , Jeffrey N. Maggioncalda , David Ramirez , Wei-Yin Hu , John G. Watson , David Boudreau , Gregory Stein , James W. Shearer
发明人： Jason S. Scott , Shinichiro Inoue , Jeffrey N. Maggioncalda , David Ramirez , Wei-Yin Hu , John G. Watson , David Boudreau , Gregory Stein , James W. Shearer
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q20/10 , G06Q40/06
摘要： Financial advisory methods and systems for creating a steady lifetime income stream within an investment plan is provided. According to one embodiment, based on an investor's current holdings in the investment plan, a pattern of periodic cash payouts is identified that can be made to the investor from an in-plan payout program implemented with the limited universe of financial products available within the investment plan. The assets of the investment plan are rebalanced to form a payout portfolio and an equity exposure portfolio. The payout portfolio is constructed to create an annuity-like stream of income to support the pattern of periodic cash payouts and includes multiple bond funds. The equity exposure portfolio is constructed to address inflation risk by providing an ability to rise with equities markets. Finally, a periodic cash payout of the pattern of periodic cash payouts is caused to be paid to the investor from the investment plan.
摘要翻译：提供了在投资计划中创造稳定的终身收入流的财务咨询方法和系统。根据一个实施例，基于投资者目前持有的投资计划，确定了可以通过在投资范围内可用的有限金融产品实施的计划内支付计划向投资者提供定期现金支出的模式计划。投资计划的资产重新平衡，形成支付组合和股权投资组合。支付组合的建立是为了创建年金般的收入流，以支持定期现金支付的模式，并包括多个债券基金。股权投资组合的构建旨在通过提供股票市场上涨的能力来解决通货膨胀风险。最后，通过投资计划向投资者支付定期现金支付方式的定期现金支付。

2. 发明授权

US08521633B2 Creating and maintaining a payout-ready portfolio within an investment plan to generate a sustainable income stream 失效
标题翻译：在投资计划中创建和维护支付准备投资组合，以创造可持续的收入来源
公开(公告)号：US08521633B2
公开(公告)日：2013-08-27
申请号：US13245807
申请日：2011-09-26
申请人： Jason S. Scott , Shinichiro Inoue , Jeffrey N. Maggioncalda , David Ramirez , Wei-Yin Hu , John G. Watson , David Boudreau , Gregory Stein , James W. Shearer
发明人： Jason S. Scott , Shinichiro Inoue , Jeffrey N. Maggioncalda , David Ramirez , Wei-Yin Hu , John G. Watson , David Boudreau , Gregory Stein , James W. Shearer
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q20/10 , G06Q40/06
摘要： Financial advisory methods and systems for creating a steady lifetime income stream within an investment plan is provided. According to one embodiment, based on an investor's current holdings in the investment plan, a pattern of periodic cash payouts is identified that can be made to the investor from an in-plan payout program implemented with the limited universe of financial products available within the investment plan. The assets of the investment plan are rebalanced to form a payout portfolio and an equity exposure portfolio. The payout portfolio is constructed to create an annuity-like stream of income to support the pattern of periodic cash payouts and includes multiple bond funds. The equity exposure portfolio is constructed to address inflation risk by providing an ability to rise with equities markets. Finally, a periodic cash payout of the pattern of periodic cash payouts is caused to be paid to the investor from the investment plan.
摘要翻译：提供了在投资计划中创造稳定的终身收入流的财务咨询方法和系统。根据一个实施例，基于投资者目前持有的投资计划，确定了可以通过在投资范围内可用的有限金融产品实施的计划内支付计划向投资者提供定期现金支出的模式计划。投资计划的资产重新平衡，形成支付组合和股权投资组合。支付组合的建立是为了创建年金般的收入流，以支持定期现金支付的模式，并包括多个债券基金。股权投资组合的构建旨在通过提供股票市场上涨的能力来解决通货膨胀风险。最后，通过投资计划向投资者支付定期现金支付方式的定期现金支付。

3. 发明申请

US20120185407A1 CREATING AND MAINTAINING A PAYOUT-READY PORTFOLIO WITHIN AN INVESTMENT PLAN TO GENERATE A SUSTAINABLE INCOME STREAM 失效
公开(公告)号：US20120185407A1
公开(公告)日：2012-07-19
申请号：US13195447
申请日：2011-08-01
申请人： Jason S. Scott , Shinichiro Inoue , Jeffrey N. Maggioncalda , David Ramirez , Wei-Yin Hu , John G. Watson , David Boudreau , Gregory Stein , James W. Shearer
发明人： Jason S. Scott , Shinichiro Inoue , Jeffrey N. Maggioncalda , David Ramirez , Wei-Yin Hu , John G. Watson , David Boudreau , Gregory Stein , James W. Shearer
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q20/10 , G06Q40/06
摘要： Financial advisory methods and systems for creating a steady lifetime income stream within an investment plan is provided. According to one embodiment, based on an investor's current holdings in the investment plan, a pattern of periodic cash payouts is identified that can be made to the investor from an in-plan payout program implemented with the limited universe of financial products available within the investment plan. The assets of the investment plan are rebalanced to form a payout portfolio and an equity exposure portfolio. The payout portfolio is constructed to create an annuity-like stream of income to support the pattern of periodic cash payouts and includes multiple bond funds. The equity exposure portfolio is constructed to address inflation risk by providing an ability to rise with equities markets. Finally, a periodic cash payout of the pattern of periodic cash payouts is caused to be paid to the investor from the investment plan.

4. 发明申请

US20110055115A1 ROTH-AWARE FINANCIAL ADVISORY PLATFORM 审中-公开
标题翻译： ROTH-AWARE财务咨询平台
公开(公告)号：US20110055115A1
公开(公告)日：2011-03-03
申请号：US12548840
申请日：2009-08-27
申请人： Wei-Yin Hu , Dolores A. Upton , Irene Gitin
发明人： Wei-Yin Hu , Dolores A. Upton , Irene Gitin
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/10
摘要： A financial advisory platform that includes Roth contribution support is provided. According to one embodiment, trade-offs between a current retirement savings strategy and an alternative retirement savings strategy are presented to an end user. Information is received regarding the alternative retirement savings strategy, which includes information regarding a target proportion of retirement plan contributions to be invested pre-tax and post-tax in a retirement portfolio where the target proportion is different than the current proportion of pre-tax and post-tax contributions under the current retirement savings strategy. An after tax value of the retirement portfolio is forecast by a forecasting module based on the alternative retirement savings strategy. Trade-offs are presented between the alternative retirement savings strategy and the current retirement savings strategy. The trade-offs include an indication regarding an effect on take-home pay as a result of switching from the current retirement savings strategy to the alternative retirement savings strategy.
摘要翻译：提供了包括Roth贡献支持的财务咨询平台。根据一个实施例，向最终用户呈现当前退休储蓄策略和替代退休储蓄策略之间的权衡。收到关于替代退休储蓄战略的信息，其中包括关于在目标比例与目前税前比例不同的退休投资组合中要投资的税前和税后退休计划缴款的目标比例的信息，以及现行退休储蓄策略下的税后缴款。基于替代退休储蓄策略的预测模块预测退休组合的税后价值。替代退休储蓄策略与目前的退休储蓄策略之间取得了权衡。这些权衡包括关于由现行退休储蓄策略转为替代退休储蓄策略而对就业工资的影响的指示。

5. 发明授权

US07813989B2 Financial goal planning and analysis system 有权
标题翻译：财务目标规划与分析系统
公开(公告)号：US07813989B2
公开(公告)日：2010-10-12
申请号：US12259429
申请日：2008-10-28
申请人： Christopher L. Jones , William F. Sharpe , Jason S. Scott , John G. Watson , Jeff N. Maggioncalda , Geert Bekaert , Steven R. Grenadler , Ronald T. Park
发明人： Christopher L. Jones , William F. Sharpe , Jason S. Scott , John G. Watson , Jeff N. Maggioncalda , Geert Bekaert , Steven R. Grenadler , Ronald T. Park
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/04 , G06Q40/06 , G06Q40/08
摘要： A financial advisory system is described that facilitates planning regarding financial goals, such as retirement. According to one embodiment, a method of forecasting a future value of a financial product holding is provided. Exposure analysis is performed on a financial product in which an investor holds an interest to determine how the financial product behaves relative to a set of asset classes. A forecast is generated for the financial product holding at a configurable time horizon based on forward-looking scenarios of one or more asset classes of the set of asset classes. Based on the forecast, information is directly or indirectly caused to be presented regarding a projected value of the financial product holding at the configurable time horizon.
摘要翻译：描述了一个财务顾问系统，用于促进关于退休等财务目标的规划。根据一个实施例，提供了一种预测金融产品保持的未来价值的方法。对投资者持有兴趣的金融产品进行曝光分析，以确定金融产品相对于一组资产类别的行为。基于一组资产类别的一个或多个资产类别的前瞻性场景，为在可配置时间范围内持有的金融产品生成预测。根据预测，直接或间接地提供关于在可配置时间范围内持有的金融产品的预计价值的信息。

6. 发明授权

US07788155B2 Financial advisory system 有权
标题翻译：财务顾问系统
公开(公告)号：US07788155B2
公开(公告)日：2010-08-31
申请号：US11219513
申请日：2005-09-02
申请人： Christopher L. Jones , William F. Sharpe , Jason S. Scott , John G. Watson , Jeff N. Maggioncalda , Geert Bekaert , Steven R. Grenadier , Ronald T. Park
发明人： Christopher L. Jones , William F. Sharpe , Jason S. Scott , John G. Watson , Jeff N. Maggioncalda , Geert Bekaert , Steven R. Grenadier , Ronald T. Park
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/04 , G06Q40/06 , G06Q40/08
摘要： A financial advisory system is provided. According to one aspect of the present invention, return scenarios for optimized portfolio allocations are simulated interactively to facilitate financial product selection. Return scenarios for each asset class of a plurality of asset classes are generated based upon estimated future scenarios of one or more economic factors. A mapping from each financial product of an available set of financial products onto one or more asset classes of the plurality of asset classes is created by determining exposures of the available set of financial products to each asset class of the plurality of asset classes. In this way, the expected returns and correlations of a plurality of financial products are generated and used to produce optimized portfolios of financial products. Return scenarios are simulated for one or more portfolios including combinations of financial products from the available set of financial products based upon the mapping.
摘要翻译：提供财务咨询系统。根据本发明的一个方面，用于优化投资组合分配的返回情景被交互地模拟以便于金融产品选择。基于一个或多个经济因素的估计的未来情景来生成多个资产类别中的每个资产类别的返回情景。通过将可用的一组金融产品暴露于多个资产类别中的每个资产类别来确定，将可用金融产品集合的每个金融产品映射到多个资产类别中的一个或多个资产类别。以这种方式，产生多个金融产品的预期收益和相关性，并用于产生优化的金融产品组合。模拟一个或多个投资组合的回报情景，包括基于映射的可用金融产品组合的金融产品的组合。

7. 发明申请

US20090055327A1 FINANCIAL GOAL PLANNING AND ANALYSIS SYSTEM 有权
标题翻译：财务目标规划与分析系统
公开(公告)号：US20090055327A1
公开(公告)日：2009-02-26
申请号：US12259429
申请日：2008-10-28
申请人： Christopher L. Jones , William F. Sharpe , Jason S. Scott , John G. Watson , Jeff N. Maggioncalda , Geert Bekaert , Steven R. Grenadler , Ronald T. Park
发明人： Christopher L. Jones , William F. Sharpe , Jason S. Scott , John G. Watson , Jeff N. Maggioncalda , Geert Bekaert , Steven R. Grenadler , Ronald T. Park
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/04 , G06Q40/06 , G06Q40/08
摘要： A financial advisory system is described that facilitates planning regarding financial goals, such as retirement. According to one embodiment, a method of forecasting a future value of a financial product holding is provided. Exposure analysis is performed on a financial product in which an investor holds an interest to determine how the financial product behaves relative to a set of asset classes. A forecast is generated for the financial product holding at a configurable time horizon based on forward-looking scenarios of one or more asset classes of the set of asset classes. Based on the forecast, information is directly or indirectly caused to be presented regarding a projected value of the financial product holding at the configurable time horizon.
摘要翻译：描述了一个财务顾问系统，用于促进关于退休等财务目标的规划。根据一个实施例，提供了一种预测金融产品保持的未来价值的方法。对投资者持有兴趣的金融产品进行曝光分析，以确定金融产品相对于一组资产类别的行为。基于一组资产类别的一个或多个资产类别的前瞻性场景，为在可配置时间范围内持有的金融产品生成预测。根据预测，直接或间接地提供关于在可配置时间范围内持有的金融产品的预计价值的信息。

8. 发明申请

US20080235154A1 FINANCIAL ADVISORY SYSTEM 有权
标题翻译：财务顾问制度
公开(公告)号：US20080235154A1
公开(公告)日：2008-09-25
申请号：US12127000
申请日：2008-05-26
申请人： Christopher L. Jones , William F. Sharpe , Jason S. Scott , John G. Watson , Jeff N. Maggioncalda , Geert Bekaert , Steven R. Grenadier , Ronald T. Park
发明人： Christopher L. Jones , William F. Sharpe , Jason S. Scott , John G. Watson , Jeff N. Maggioncalda , Geert Bekaert , Steven R. Grenadier , Ronald T. Park
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/04 , G06Q40/06 , G06Q40/08
摘要： A financial advisory system is provided. According to one aspect of the present invention, return scenarios for optimized portfolio allocations are simulated interactively to facilitate financial product selection. Return scenarios for each asset class of a plurality of asset classes are generated based upon estimated future scenarios of one or more economic factors. A mapping from each financial product of an available set of financial products onto one or more asset classes of the plurality of asset classes is created by determining exposures of the available set of financial products to each asset class of the plurality of asset classes. In this way, the expected returns and correlations of a plurality of financial products are generated and used to produce optimized portfolios of financial products. Return scenarios are simulated for one or more portfolios including combinations of financial products from the available set of financial products based upon the mapping.
摘要翻译：提供财务咨询系统。根据本发明的一个方面，用于优化投资组合分配的返回情景被交互地模拟以便于金融产品选择。基于一个或多个经济因素的估计的未来情景来生成多个资产类别中的每个资产类别的返回情景。通过将可用的一组金融产品暴露于多个资产类别中的每个资产类别来确定，将可用金融产品集合的每个金融产品映射到多个资产类别中的一个或多个资产类别。以这种方式，产生多个金融产品的预期收益和相关性，并用于产生优化的金融产品组合。模拟一个或多个投资组合的回报情景，包括基于映射的可用金融产品组合的金融产品的组合。

9. 发明申请

US20060010060A1 Financial advisory system 有权
公开(公告)号：US20060010060A1
公开(公告)日：2006-01-12
申请号：US11219513
申请日：2005-09-02
申请人： Christopher Jones , William Sharpe , Jason Scott , John Watson , Jeff Maggioncalda , Geert Bekaert , Steven Grenadier , Ronald Park
发明人： Christopher Jones , William Sharpe , Jason Scott , John Watson , Jeff Maggioncalda , Geert Bekaert , Steven Grenadier , Ronald Park
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/04 , G06Q40/06 , G06Q40/08
摘要： A financial advisory system is provided. According to one aspect of the present invention, return scenarios for optimized portfolio allocations are simulated interactively to facilitate financial product selection. Return scenarios for each asset class of a plurality of asset classes are generated based upon estimated future scenarios of one or more economic factors. A mapping from each financial product of an available set of financial products onto one or more asset classes of the plurality of asset classes is created by determining exposures of the available set of financial products to each asset class of the plurality of asset classes. In this way, the expected returns and correlations of a plurality of financial products are generated and used to produce optimized portfolios of financial products. Return scenarios are simulated for one or more portfolios including combinations of financial products from the available set of financial products based upon the mapping.

10. 发明授权

US6021397A Financial advisory system 失效
标题翻译：财务顾问系统
公开(公告)号：US6021397A
公开(公告)日：2000-02-01
申请号：US982942
申请日：1997-12-02
申请人： Christopher L. Jones , William F. Sharpe , Jason S. Scott , John G. Watson , Jeff N. Maggioncalda , Geert Bekaert , Steven R. Grenadier , Ronald T. Park
发明人： Christopher L. Jones , William F. Sharpe , Jason S. Scott , John G. Watson , Jeff N. Maggioncalda , Geert Bekaert , Steven R. Grenadier , Ronald T. Park
IPC分类号： G06Q40/06 , G06F17/60
CPC分类号： G06Q40/06
摘要： A financial advisory system is provided. According to one aspect of the present invention, return scenarios for optimized portfolio allocations are simulated interactively to facilitate financial product selection. Return scenarios for each asset class of a plurality of asset classes are generated based upon estimated future scenarios of one or more economic factors. A mapping from each financial product of an available set of financial products onto one or more asset classes of the plurality of asset classes is created by determining exposures of the available set of financial products to each asset class of the plurality of asset classes. In this way, the expected returns and correlations of a plurality of financial products are generated and used to produce optimized portfolios of financial products. Return scenarios are simulated for one or more portfolios including combinations of financial products from the available set of financial products based upon the mapping.
摘要翻译：提供财务咨询系统。根据本发明的一个方面，用于优化投资组合分配的返回情景被交互地模拟以便于金融产品选择。基于一个或多个经济因素的估计的未来情景来生成多个资产类别中的每个资产类别的返回情景。通过将可用的一组金融产品暴露于多个资产类别中的每个资产类别来确定，将可用金融产品集合的每个金融产品映射到多个资产类别中的一个或多个资产类别。以这种方式，产生多个金融产品的预期收益和相关性，并用于产生优化的金融产品组合。模拟一个或多个投资组合的回报情景，包括基于映射的可用金融产品组合的金融产品的组合。

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