Patent ID: 7627512

Claim:
A computer-implemented method of displaying results of a financial model for forecasting at least one financial variable relating to a client comprising: receiving with a computer, from a plan database, asset and liability data regarding the client, wherein the computer comprises at least one processor and operatively associated memory, wherein the computer is in electronic communication with the plan database; receiving with the computer, from an assumption database, actuarial data describing probabilities of the client entering at least one state selected from the group consisting of: deceased, disabled, and requiring long-term care, wherein the computer is in electronic communication with the assumption database; receiving with the computer, from an economic database, economic data describing historical economic data describing historic stock market performance, historic interest rate values and historic inflation rates; receiving with the computer, from a regulation database, regulation data describing regulations affecting the financial model including at least one regulation selected from the group consisting of a tax code, a securities law, and a securities regulation, generating with the computer forecasted values for the at least one financial variable over a number of simulations of a predetermined time period using the asset and liability data, wherein the generating comprises for each simulation: randomly determining at least one state of the client at a plurality of points during the predetermined time period considering a likelihood of the client assuming the at least one state, wherein the determining is based on the actuarial data; and randomly determining a first value for at least one economic variable selected from the group consisting of a stock market value, an interest rate and an inflation rate, considering a likelihood of the economic variable taking the first value; calculating the value of the at least one financial variable based on the at least one state of the client and the first value for the at least one economic variable based on the economic data and the regulation data; and displaying with the computer a topographical chart on a user interface, wherein the topographical chart is positioned on a plane shown in the user interface, wherein the plane is defined by a time axis and a value axis for the at least one financial variable, such that a coordinate set on the plane represents the value of the at least one financial variable at a time point, and wherein a height of a first point on the topographical chart corresponding to the coordinate set indicates a portion of the simulations that result in the coordinate set.