Patent ID: 8266039

Claim:
A computer system for processing data relating to allocation of assets of an investor, comprising: a data storage device storing data indicative of a plurality of investment allocation paths, each of the investment allocation paths having a plurality of trigger events and a plurality of asset allocation models, one of the plurality of asset allocation models corresponding to each of the trigger events, each of the investment allocation paths being associated with one of a plurality of risk tolerance values; a server coupled to the data storage device, wherein the server is configured to receive data indicative of an initial risk tolerance value of the investor, select a first one of the investment allocation paths corresponding to the initial risk tolerance value of the investor, select an asset allocation model based on the selected investment allocation path, and, responsive to receipt of data indicative of occurrence of one of the trigger events associated with the selected investment allocation path, change the asset allocation model to a second asset allocation model corresponding, in accordance with the selected investment allocation path, to the received trigger event; and a communications port coupled to the server for receiving from the server and transmitting data indicative of instructions for rebalancing assets of the investor in accordance with the second asset allocation model.