Patent Document ID: 7831494
Application ID: 09930786

Base Claim:
1. A method for providing remote web-based financial portfolio coaching, implemented via a computing device including at least one processor and memory, comprising: receiving a selection of a service agreement from a user, via the computing device, wherein the selected service agreement is chosen from a plurality of different service agreements providing various service levels related to portfolio modeling and coaching, and wherein the various service levels define distinct combinations of support, financial models, portfolio modeling, and coaching services to the user; identifying, by the computing device, a current financial portfolio of the user; identifying, by the computing device, a financial model selected from a set of financial models defined by the selected service agreement, the financial model including a user profile based on personal financial parameters of the user including at least a risk tolerance level; and providing to the user, via the computing device, customized financial coaching tailored to life intentions of the user, wherein the customized financial coaching includes suggestions for changes to the current financial portfolio based on the user profile and the selected service agreement, wherein the suggestions are presented in a natural language format, and wherein the suggestions include financial products and recommended securities for the user to purchase.

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Claim 15:
15. The method of claim 1 , further including: providing, to the user, automated computer coaching and live coaching based on the selected service agreement.