Patent ID: 8301527

Claim:
A method for allocating investment assets including the steps of: providing for the inputting of information concerning at least one investor into at least one computer; providing at least one discretionary asset allocation program for the at least one investor, the at least one discretionary asset allocation program being resident on at least one computer; and utilizing the discretionary asset allocation program provided by: (i) at least one conflicted person who receives variable fees or profits for providing services related to the discretionary asset allocation services or (ii) at least one other person in cooperation with the at least one conflicted person; wherein the discretionary investment allocation decisions are automatically implemented by at least one computer for the at least one investor, and wherein the discretionary investment asset allocation decisions are implemented using the discretionary asset allocation program, which is provided for by the inputting of computer information comprising algorithms used to reallocate funds in the investment vehicle, the algorithms being implemented, developed maintained or approved by the at least one person who is independent from at any other person who receives variable fees orprofits by reason of the allocation of investments in the investment vehicle such that the at least one conflicted person's ability to self deal is eliminated.