Patent ID: 8255336

Claim:
A method comprising: generating, by a financial management system comprising one or more computers, one or more recommendations to adjust fund allocations among one or more accounts; receiving, by the financial management system from a user, a request to access the one or more accounts; authenticating the user's identity, by the financial management system, authenticating the user's identity comprising: receiving, by the financial management system from the user, user identification information; comparing, by the financial management system, the user identification information received from the user with corresponding user identification information obtained electronically from one or more third-party data sources; and determining, by the financial management system, that the authentication of the user's identity is successful; authenticating, by the financial management system, the user's right to access the one or more accounts, comprising, receiving, by the financial management system, account access information from the user, wherein the account access information comprises one or more of a user name, a password, or an account number; obtaining, by the financial management system, information regarding the one or more accounts via an online connection, wherein the information is obtained from one or more financial sources via the network; comparing, by the financial management system, the information obtained regarding the one or more accounts with the received account access information; and determining, by the financial management system, that the authentication of the user's right to access the one or more accounts is successful; in response to determining that authentication of the user's identity is successful, and that the authentication of the user's right to access the one or more accounts is successful, authorizing, by the financial management system, the user to access the one or more accounts; transmitting, by the financial management system to the user, the one or more recommendations; and executing, by the financial management system, at least one of the one or more recommendations selected by the user.