Patent ID: 8055566

Claim:
A financial computing tool, comprising: a microprocessor coupled with a memory, an input, and an output; wherein said memory receives user data, home value data, portfolio data, and performance data; wherein said microprocessor determines a desired fund amount in response to at least one of said user data, said home value data, and said portfolio data stored in said memory; wherein said desired fund amount is determined by calculating a maximum available reverse-mortgage amount; calculating a base value based upon said portfolio data; calculating a current value based upon said portfolio data; wherein said memory receives said desired fund amount data; wherein said microprocessor determines at least one desired funding source in response, at least in part, to said desired fund amount data and said desired performance data stored in said memory wherein said desired funding source is determined by: determining whether said desired funding amount exceeds the difference between said current value based upon said portfolio data and said base value based upon said portfolio data; and determining whether said desired funding amount exceeds the sum of the difference between said current value based upon said portfolio data and said base value based upon said portfolio data and said maximum available reverse-mortgage amount.