首页> 外国专利> METHOD AND APPARATUS FOR CALCULATING AN OPTIMAL RETIREMENT PLAN BASED ON INCOME NEEDS, INCOME SOURCES AND FEDERAL INCOME TAX IMPACTS

METHOD AND APPARATUS FOR CALCULATING AN OPTIMAL RETIREMENT PLAN BASED ON INCOME NEEDS, INCOME SOURCES AND FEDERAL INCOME TAX IMPACTS

机译:基于收入需求,收入来源和联邦收入税影响的最优退休计划的计算方法和装置

摘要

Methods and apparatuses for calculating an optimal retirement plan based on income needs, incomes sources and federal income tax impacts for individuals and married couples is disclosed. Financial information of the user(s) is used to create a user profile(s) which comprises retirement income requirements, available income sources and investment risk tolerance of the user. The user profile is used to calculate a suggested strategy which balances the income requirements of the user impacted by taxes to the available income sources and accounting for investment risks of the user and a set of all possible life and death variables. A life plan is created using the suggested strategy, the set of all possible life and death variables and the user profile, and presented as output to show the optimal retirement plan.
机译:公开了用于基于收入需求,收入来源和对个人和已婚夫妇的联邦所得税影响来计算最佳退休计划的方法和设备。用户的财务信息用于创建用户资料,其中包括退休收入要求,可用收入来源和用户的投资风险承受能力。用户配置文件用于计算建议的策略,该策略平衡受税收影响的用户的收入需求与可用收入来源之间的平衡,并考虑用户的投资风险以及所有可能的生死变量。使用建议的策略,所有可能的生死变量和用户配置文件创建生活计划,并作为输出显示以显示最佳退休计划。

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