Systems and methods for graphically enabled retirement planning

摘要

According to some embodiments, a system may categorize a first set of user goals as basic expenses and a second set of user goals as optional expenses. Icons associated with the basic expenses may be graphically displayed in a first screen area, and icons associated with the optional expenses may be graphically displayed in a second screen area. An indication that a selected icon is to be associated with one of the first or second areas may be received from a remote user. Based on the received indication, a user goal associated with the selected icon may be re-categorized (e.g., as a basic or optional expense).

主权项

1. A computer system configured to provide a graphical display including a plurality of screen areas and goals displayed as icons for drag and drop manipulation between the screen areas, determine predictable periodic retirement income, calculate and display a financial gap dependent on screen areas in which the icons are displayed and the determined predictable periodic retirement income, and update the financial gap calculation responsive to manipulation of the icons comprising:
a data storage device for storing data associated with a user's retirement planning; a computer processor for executing program instructions and for retrieving said data associated with the user's retirement planning from the data storage device; and a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor to:
categorize a first set of a plurality of user goals as basic must-have expenses and a second set of a plurality of user goals as optional nice-to-have expenses, the second set of user goals being different than the first set of user goals,graphically display icons associated with the basic must-have expenses in a first screen area,graphically display icons associated with the optional nice-to-have expenses in a second screen area, the second screen area being different than the first screen area,determine predictable periodic retirement income associated with the user,calculate a financial gap for the user based on a difference between expenses associated with the first set of user goals and the predictable periodic retirement income,graphically display the calculated financial gap,receive from a remote user a graphical drag-and-drop indication that a selected icon is to be associated with one of the first or second areas,re-categorize a user goal associated with the selected icon based on the received indication, andre-calculate the financial gap for the user based on a difference between the periodic expenses associated with the first set of user goals after re-categorizing and the predictable periodic retirement income.