Patent ID: 8527382

Claim:
A method implemented by a retirement planning system, the method comprising: accessing, by one or more computer systems, information indicative of a current amount of financial resources in one or more retirement accounts of a user, an estimated rate of return on the one or more retirement accounts, and a retirement goal of an amount of financial resources to be saved in the one or more retirement accounts over a predetermined period of time; periodically determining, by the one or more computer systems, a recommended amount of financial resources to be added to the one or more retirement accounts to meet the retirement goal based on the current amount of financial resources in the one or more retirement accounts and the estimated rate of return, by: accessing, by the one or more computer systems, information indicative of transactions that debit and credit financial resources from other financial accounts of the user; determining, by the one or more computer systems, that an aggregate balance of the other financial accounts exceeds the recommended amount of financial resources, based on the information accessed about the transactions; and causing a transfer, by the one or more computer systems, of the recommended amount of financial resources to at least one of the one or more retirement accounts based on determining that the aggregate balance exceeds the recommended recurring amount of financial resources; and generating, by one or more computers, a suggested transaction with a suggested amount, the suggested transaction being selected from a group comprising a purchase of a product or a service and a payment to a debt product of the user, wherein the suggested amount is based on an amount of financial resources in excess of the aggregate balance minus the recommended amount that is periodically determined.