Patent ID: 7630929

Claim:
A method of selecting an account from which to withdraw funds sufficient to yield a target amount of after-tax funds, the method comprising: by machine, determining a first future after-tax liquidation value of assets held in one or more taxable accounts and one or more non-deductible tax-deferred accounts assuming that one or more withdrawals of the target amount are made from the taxable accounts prior to a withdrawal of funds from the non-deductible tax-deferred accounts; by machine, determining a second future after-tax liquidation value of assets held in one or more non-deductible tax-deferred accounts and one or more taxable accounts assuming that one or more withdrawals of the target amount are made from the non-deductible tax-deferred accounts prior to a withdrawal of funds from the taxable accounts; and prioritizing withdrawal of funds between the taxable and non-deductible tax-deferred accounts based on the first and second future after-tax liquidation values.