FINANCIAL MODELING AND COUNSELING SYSTEM

摘要

The present invention relates to a financial management system for providing personalized financial advice to a user (110). The system operates in a collaborative computing environment between the user and a financial advisor (106) and comprises a service level subsystem and an advice generating subsystem (102). The service level subsystem allows the user to negotiate a service level agreement that defines the user's desired level of support and limits access to user provided information. The advice generating subsystem is coupled to the service level subsystem and includes one or more coaching engines that dynamically analyze the financial needs of the user in accordance with the user's service level agreement. Furthermore, the coaching engine provides customized financial advice tailored to the user's life intentions.