SYSTEM FOR ASSESSING IMPACT OF FINANCIAL EVENTS ON RETIREMENT PLANNING

摘要

Embodiments of the invention are directed to systems, methods, and computer program products for assessing impact of financial events on retirement planning. The system is configured to receive information associated with financial institution accounts of the user; initiate presentation of a spend user interface to the user, wherein the spend user interface comprises at least selectable financial event options for the one or more financial events that could occur for the user; receive, via the spend user interface, a user selection of a financial event from the one or more financial events; determine one or more payment options from the financial institution accounts for the financial event selected by the user; and calculate a new amount of spendable funds or a new estimated amount of time associated with an availability of the amount of funds available in the financial institution accounts.

主权项

1. A system for assessing impact of financial events on retirement planning for a user, the system comprising:
at least one non-transitory storage device; at least one processor; and at least one module stored in said storage device and comprising instruction code that is executable by the at least one processor and configured to cause said at least one processor to:
establish a communication link with financial accounts of the user, wherein establishing the communication link further comprises establishing an independent communication link with each financial account of the user;receive, via the established communication link, information associated with financial institution accounts of the user from a distributed network of servers, wherein the information comprises an amount of funds associated with the user's assets, an amount of outgoing funds of the user, and an amount of incoming funds of the user;calculate an amount of spendable funds associated with the user for a time period, wherein the amount of spendable funds is calculated based on the amount of funds associated with the user's assets, the amount of outgoing funds, and the amount of incoming funds for the time period;calculate an estimated amount of time associated with an availability of the amount of funds associated with the user's assets based on at least the amount of spendable funds and the amount of funds associated with the user's assets;dynamically configure a spend user interface comprising interactive graphical visual components to reflect the calculated estimated amount of time associated with the availability of the amount of funds associated with the user's assets, wherein configuring further comprises generating graphical interactive visual components capable of visually communicating an impact of events affecting the calculated estimated amount of time associated with the availability of the amount of funds associated with the user's assets;establish a communication link with a user device associated with the user, wherein establishing the communication link creates a wireless data channel with the user device;initiate, via the wireless data channel, presentation of a spend user interface to the user, wherein the spend user interface is provided on the user device and comprises at least the amount of spendable funds associated with the user, the estimated amount of time associated with the availability of the amount of funds associated with the user's assets, and selectable financial event options for one or more financial events, wherein the selectable options comprise the one or more financial events that could occur for the user;receive, via the spend user interface, a user selection of a financial event from the one or more financial events, wherein the financial event selected by the user results in an unexpected income and/or an unexpected expense for the user;initiate, via the wireless data channel, presentation of an event information user interface to the user, wherein the event information user interface is provided on the user device and comprises at least selectable options associated with the financial event selected by the user and enables the user to input financial event information associated with the financial event selected by the user, wherein the event information comprises one or more predetermined questions to be presented to the user, the predetermined questions associated with the financial event selected by the user;receive, via the event information user interface, the financial event information associated with the financial event selected by the user, wherein receiving the financial event information comprises receiving a response to the one or more predetermined questions from the user;access the distributed network of servers to determine financial event costs based on the financial event information, wherein the financial event costs comprises an estimated amount of funds associated with the unexpected income and/or the unexpected expense;determine one or more payment options from the financial institution accounts for the financial event selected by the user based on at least the amount of funds associated with the user's assets;initiate, via the wireless data channel, presentation of a payment option user interface to the user, wherein the payment option user interface is provided on the user device and comprises the one or more payment options for the financial event;receive, via the payment option user interface, a user selection of at least one of the one or more payment options based on at least a user selection of the one or more payment options;determine a payment disbursement plan to enable the user to pay for the one or more financial events based on at least the user selection of at least one of the one or more payment options, wherein the disbursement plan comprises a percentage allocation of amounts from the one or more financial institution accounts of the user to be applied towards the one or more financial events selected by the user;initiate, via the wireless data channel, presentation of the payment disbursement plan for display on the user device;receive a user input to adjust the percentage allocation of the amount from the one or more financial institution accounts of the user, wherein adjusting further comprises adjusting a current weight of one or more holdings associated with the one or more financial institution accounts of the user;receive a user confirmation to execute the determined the payment disbursement plan;initiate an execution of the payment disbursement plan;calculate a new amount of spendable funds or a new estimated amount of time associated with an availability of the amount of funds associated with the user's assets; anddynamically re-configure the spend user interface based on at least calculating the new amount of spendable funds or estimated amount of time associated with an availability of amount of funds associated with the user's assets, wherein re-configuring further comprises manipulating the graphical interactive visual components to communicate the new amount of spendable funds or estimated amount of time associated with an availability of amount of funds associated with the user's assets;initiate, via the wireless data channel, presentation of an updated spend user interface to the user, wherein the updated spend user interface is provided on the user device and comprises the new amount of spendable funds or the new estimated amount of time, one or more of the financial institution accounts used to cover the one or more payment options, and an amount from one or more of the financial institution accounts.