Patent ID: 7844523

Claim:
A computing device that collects trust-related data and automatically constructs beneficiary portfolios including real and hypothetical assets, the device including: a processor coupled to a network; an eliciting module running on the processor coupled that interacts via a network with a user and collects trust-related data including at least an identification and ownership of trust assets; an identification of multiple beneficiaries; a description of divided beneficiary interests in the trust assets, including a period of the beneficiary interest, a relationship of the beneficiary interest to income and capital, and contingencies, if any, that define the beneficiary interests; and a beneficiary portfolio module running on the processor and coupled to the trust-related data collected by the eliciting module, that constructs multiple complementary beneficiary portfolios by automatically mapping the divided beneficiary interests to hypothetical combinations of complementary long and short positions in financial or derivative instruments that have expected payouts and costs equal to the beneficiary interests in the trust assets; and allocating the hypothetical long and short positions to the beneficiary portfolios; and a portfolio analysis module running on the processor and coupled to the beneficiary portfolios, that accesses expected returns and risks and performs portfolio analysis on the combinations of actual and hypothetical assets in at least one of the beneficiary portfolios and produces a perceptible output summarizing results of the portfolio analysis.