Patent ID: 7574392

Claim:
An apparatus for investment using a deed of trust instrument, the apparatus comprising: a storage device storing executable code for a computer; a processor executing the executable code for the computer, the executable code comprising a financial license verification module interface verifying a government issued credential of a financial professional; a data collection module accessing and storing investment data on trust deed loan investments and equity investments; a client evaluation module generating a plurality of risk question scores from client answers to a plurality of risk questions, the risk questions consisting of a question on comfort of a client with the possibility of losing money one year in order to obtain a higher average annual return, a question on an importance of receiving income or gains in a lowest possible tax rate, a question on an importance of growth over current income, a question on an importance of being able to convert client investments to cash, and a question on holding investments during a down year, scoring the risk questions from one to ten with one indicating risk aversion, and generating recommended allocations for the trust deed loan investments and the equity investments based on the risk question scores by summing the risk question scores and calculating the recommended allocation to trust deed loan investments as 100% for a risk question score sum of 1 to 7, 80% for a risk question score sum of 8 to 14, 60% for a risk question score sum of 15 to 21, 50% for a risk question score sum of 22 to 28, 40% for a score of 29 to 35, 20% for a risk question score sum of 36 to 42, and 0% for a risk question score sum of 43 to 50, wherein recommended allocation to equity investments is calculated as 100% minus the recommended allocation to trust deed loan investments; an income potential module eliminating trust deed loan investments and equity investments according to risk based on the risk question scores and ranking the remaining acceptable trust deed loan investments and equity investments by income potential; and a data evaluation module comparing and evaluating returns from the trust deed loan investments and the equity investments using the recommended allocations.