Patent Document ID: 20050144108
Application ID: 11014378
Patent Flag: 0

Claim One:
1. A method of financial advising, comprising: determining an initial value of a client investment portfolio; obtaining a list of client investment goals, the list including ideal and acceptable values for each of the investment goals, wherein the ideal and acceptable values for each goal correspond to at least one of a dollar amount and a time for achieving the goal; obtaining a relative value comparison between pairs of investment goals within the list of goals, the relative value comparison being represented in terms of the price, in money or time, that the client is willing to pay in one goal within each pair of investment goals to achieve the other goal in the same pair of investment goals on the list; electronically simulating a plurality of model investment portfolio allocations using a capital market modeling technique; using the relative value comparison among the goals and the simulation of the plurality of portfolio allocations to obtain a recommendation comprising an investment allocation and a recommended value for each investment goal, where the recommended value for each goal is not better than the ideal value and not worse than the acceptable value; and wherein the recommendation has a measured confidence of exceeding the recommended value for each goal; and communicating the recommendation to the client.