Asset planning and tracking

Abstract

A asset planning and tracking system plans and tracks progress towards a savings goal and analyzes the consumption of assets that are being used to satisfy the savings goal. The system may further be configured to analyze a user's periodic (e.g., monthly, quarterly, yearly) transactions and provide suggested transactions if the user has excess income for the period. An asset planning and tracking system may be implemented in the context of a retirement planning system to aid a non-retired user in planning for his or her retirement and to aid a retired user in tracking the consumption of retirement assets.

1 - 42 . (canceled) 
     
     
         43 . A computer-implemented method comprises:
 receiving, by one or more computer systems that comprise a computer processor and memory, information indicative of transactions that occur in one or more financial accounts of a user;   receiving by the one or more computer systems information indicative of a recommended amount of financial resources to meet a savings goal;   determining by the one or more computer systems based on the information received about the transactions that an amount of financial resources in the one or more financial accounts exceeds the recommended amount of financial resources to meet the savings goal;   generating, by the one or more computers, information indicative of a suggested transaction that has a suggested amount that is based on the amount of financial resources in the one or more financial accounts in excess of the recommended amount.   
     
     
         44 . The computer-implemented method of  claim 43 , further comprising:
 receiving information indicating the user's preferences for purchasing a product or a service;   wherein generating the suggested transaction is at least partly based on the information received indicating the user's preferences for purchasing the product or the service.   
     
     
         45 . The computer-implemented method of  claim 43 , further comprising:
 receiving information indicating a desire of the user to save a certain amount of financial resources by a certain future date; and   computing a periodic savings goal based on the received information indicating the desire to save a certain amount of financial resources by the certain future date.   
     
     
         46 . The computer-implemented method of  claim 45 , further comprising:
 determining that the user has not met the periodic savings goal based on the information indicative of the transactions that debit and credit financial resources from the financial accounts; and   generating another suggested transaction for saving at least a portion of the amount of financial resources in excess of the aggregate balance minus the recommended amount to meet the periodic savings goal.   
     
     
         47 . The computer-implemented method of  claim 43 , further comprising:
 receiving, from a device used by an operator, the information indicating the desire of the user to save the certain amount of financial resources by the certain future date.   
     
     
         48 . The computer-implemented method of  claim 43 , further comprising:
 transmitting, to a device used by the user, a message that comprises information indicative of the suggested transaction.   
     
     
         49 . The computer-implemented method of  claim 48 , further comprising:
 selecting the message transmitted to the user to be one or more of an electronic mail message, an SMS message, and an SMTP message.   
     
     
         50 . The computer-implemented method of  claim 43 , further comprising:
 posting a webpage on a server accessible by the user, the webpage comprising information indicative of the suggested transaction.   
     
     
         51 . The computer-implemented method of  claim 43 , further comprising:
 receiving a request from the device used by the user to execute the suggested transaction.   
     
     
         52 . The computer-implemented method of  claim 43 , further comprising:
 causing the one or more computer systems to execute an event that performs the suggested transaction.   
     
     
         53 . The computer-implemented method of  claim 43 , further comprising:
 netting the transactions that debit and credit the financial resources from the financial accounts of the user.   
     
     
         54 . A computer system comprising:
 a processor; and   a computer program product embodied on a computer-readable storage medium, the computer program product comprising instructions for causing the processor to perform operations comprising:
 receiving information indicative of transactions that occur in one or more financial accounts of a user; 
 receiving information indicative of a recommended amount of financial resources to meet a savings goal; 
 determining based on the information received about the transactions that an amount of financial resources in the one or more financial accounts exceeds the recommended amount of financial resources to meet the savings goal; 
 generating information indicative of a suggested transaction that has a suggested amount that is based on the amount of financial resources in the one or more financial accounts in excess of the recommended amount. 
   
     
     
         55 . The computer system of  claim 54 , wherein the operations further comprise:
 receiving information indicating the user's preferences for purchasing a product or a service;   wherein generating the suggested transaction is at least partly based on the information received indicating the user's preferences for purchasing the product or the service.   
     
     
         56 . The computer system of  claim 54 , wherein the operations further comprise:
 receiving information indicating a desire of the user to save a certain amount of financial resources by a certain future date; and   computing a periodic savings goal based on the received information indicating the desire to save a certain amount of financial resources by the certain future date.   
     
     
         57 . The computer system of  claim 56 , wherein the transaction credit and debit financial resources from the one or more financial accounts, and wherein the operations further comprise:
 determining that the user has not met the periodic savings goal based on the information indicative of the transactions that debit and credit financial resources from the one or more financial accounts; and   generating another suggested transaction for saving at least a portion of the amount of financial resources in excess of the aggregate balance minus the recommended amount to meet the periodic savings goal.   
     
     
         58 . The computer system of  claim 54 , wherein the operations further comprise:
 transmitting, to a device used by the user, a message that comprises information indicative of the suggested transaction.   
     
     
         59 . A computer program product embodied on a computer-readable storage hardware device, the computer program product comprising instructions for causing a processor to perform operations comprising:
 receiving information indicative of transactions that occur in one or more financial accounts of a user;   receiving information indicative of a recommended amount of financial resources to meet a savings goal;   determining based on the information received about the transactions that an amount of financial resources in the one or more financial accounts exceeds the recommended amount of financial resources to meet the savings goal;   generating information indicative of a suggested transaction that has a suggested amount that is based on the amount of financial resources in the one or more financial accounts in excess of the recommended amount.   
     
     
         60 . The computer program product of  claim 59 , wherein the operations further comprise:
 receiving information indicating the user's preferences for purchasing a product or a service;   wherein generating the suggested transaction is at least partly based on the information received indicating the user's preferences for purchasing the product or the service.   
     
     
         61 . The computer program product of  claim 59 , wherein the operations further comprise:
 receiving information indicating a desire of the user to save a certain amount of financial resources by a certain future date; and   computing a periodic savings goal based on the received information indicating the desire to save a certain amount of financial resources by the certain future date.   
     
     
         62 . The computer program product of  claim 61 , wherein the transactions debit and credit financial resources from the one or more financial accounts, and wherein the operations further comprise:
 determining that the user has not met the periodic savings goal based on the information indicative of the transactions that debit and credit financial resources from the one or more financial accounts; and   generating another suggested transaction for saving at least a portion of the amount of financial resources in excess of the aggregate balance minus the recommended amount to meet the periodic savings goal.   
     
     
         63 . The computer program product of  claim 59 , wherein the operations further comprise:
 transmitting, to a device used by the user, a message that comprises information indicative of the suggested transaction.