Patent ID: 7031935

Claim:
A method, with the aid of a digital computer, of determining the probability a user will achieve at least one financial goal, comprising: the computer identifying a set of assets for said user, said assets associated with a market value; the computer establishing a criterion for success for said user, the criterion for success providing at least one predetermined market value reference associated with at least one period; the computer simulating a plurality of market scenarios on said assets, each said scenario adjusting said market value of said assets for a plurality of selected periods; the computer applying predetermined cash outflows for each of said plurality of periods for each said plurality of market scenarios; the computer determining for at least one second period, for each said scenario, whether said market value during said at least one second period satisfies said criterion for success associated with said period; and the computer eliminating any scenario where said market value does not satisfy said criterion for success during said second period.