Automated coaching for a financial modeling and counseling system

1. A computer-readable storage medium having computer-executable instructions to perform a method for providing automated coaching for a financial modeling and counseling system over a network to a user-investor, the method comprising:

inputting personal financial data of the user-investor;

inputting user preferences, the user preferences including risk tolerance;

inputting user financial goals;

inputting external financial market data;

processing the personal financial data, the external financial market data, the user preferences, and the user financial goals using automated rules-based coaching algorithms; and

outputting to the user-investor in a natural language format:

(a) automated coaching provided by an automated rules-based analysis, wherein the coaching includes financial advice based on the personal financial data, preferences, and financial goals of the user-investor;

(b) a proposed product configuration formulated to comply with the user preferences and the user financial goals, wherein the proposed product configuration includes recommended securities for the user-investor to purchase from a larger set of securities;

(c) a projection of an effect of the proposed product configuration on attaining the user financial goals through statistics presented with contextual language;

(d) a rationalization of the proposed product configuration compared with the user preferences and financial goals parameters via textual coaching strings;

(e) an explanation of risk potential based on the proposed product configuration and user risk tolerance parameters; and

(f) a suggestion of securities to be added to the user-investor's portfolio to reduce risk vulnerability and allow the user to refine the proposed product configuration for conformance with the user-investor's risk tolerance.

2. The computer-readable storage medium claim 1 , wherein part of the personal financial data includes an aggregate cash flow model, an investment target value, a target date for achieving financial user financial goals, or an investment portfolio.

3. The computer-readable storage medium claim 1 , wherein the external financial market data includes values of various market benchmark indices, performance history of various securities, or prices of various securities.

4. The computer-readable storage medium claim 1 , wherein the automated coaching advice in natural language format is an interpretation of numerical data.

5. The computer-readable storage medium claim 1 , wherein the user preferences include a risk tolerance, an investment style, or a market attitudes.

6. The computer-readable storage medium claim 1 , wherein the user goals include retirement, purchasing a house, purchasing a car, going on vacation, or paying for college.

7. The computer-readable storage medium claim 1 , wherein the automated coaching advice provides live coaching over the network.

8. A system for providing automated coaching for a financial modeling and counseling system over a network to a user-investor, comprising:

a database for receiving personal financial data of the user-investor;

a database for receiving user preferences, the user preferences including risk tolerance;

a database for receiving user goals;

a database for receiving external financial market data;

a processing unit for processing the personal financial data, the external financial market data, the user preferences, and the user financial goals using automated rules-based coaching algorithms; and

a user interface for outputting to the user-investor in a natural language format:

(a) automated coaching provided by an automated rules-based analysis, wherein the coaching includes financial advice based on the personal financial data, preferences, and financial goals of the user-investor;

(b) a proposed product configuration formulated to comply with the user preferences and the user financial goals, wherein the proposed product configuration includes recommended securities for the user-investor to purchase from a larger set of securities;

(c) a projection of an effect of the proposed product configuration on attaining the user financial goals through statistics presented with contextual language;

(d) a rationalization of the proposed product configuration compared with the user preferences and financial goals parameters via textual coaching strings;

(e) an explanation of risk potential based on the proposed product configuration and user risk tolerance parameters; and

(f) a suggestion of securities to be added to the user-investor's portfolio to reduce risk vulnerability and allow the user to refine the proposed product configuration for conformance with the user-investor's risk tolerance.

9. The system of claim 8 wherein the personal financial data includes an aggregate cash flow model, an investment target value, a target date for achieving financial user financial goals, or an investment portfolio.

10. The system of claim 8 wherein the external financial market data includes values of various market benchmark indices, performance history of various securities, or prices of various securities.

11. The system of claim 8 wherein the automated coaching advice in natural language format is an interpretation of numerical data.

12. The system of claim 8 further including a user interface for providing live coaching over the network.

13. A computer-readable storage medium encoded with a computer program for providing automated coaching for a financial modeling and counseling system over a network to a user-investor, the computer program comprising:

a code segment for inputting personal financial data of the user-investor;

a code segment for inputting user preferences, the user preferences including risk tolerance;

a code segment for inputting user goals;

a code segment for inputting external financial market data;

a code segment for processing the personal financial data, the external financial market data, the user preferences, and the user financial goals using automated rules-based coaching algorithms; and

a code segment for outputting to the user-investor in a natural language format:

(a) automated coaching provided by an automated rules-based analysis, wherein the coaching includes financial advice based on the personal financial data, preferences, and financial goals of the user-investor;

(b) a proposed product configuration formulated to comply with the user preferences and the user financial goals, wherein the proposed product configuration includes recommended securities for the user-investor to purchase from a larger set of securities;

(c) a projection of an effect of the proposed product configuration on attaining the user financial goals through statistics presented with contextual language;

(d) a rationalization of the proposed product configuration compared with the user preferences and financial goals parameters via textual coaching strings;

(e) an explanation of risk potential based on the proposed product configuration and user risk tolerance parameters; and

(f) a suggestion of securities to be added to the user-investor's portfolio to reduce risk vulnerability and allow the user to refine the proposed product configuration for conformance with the user-investor's risk tolerance.

14. The computer-readable storage medium of claim 13 , wherein said personal financial data includes an aggregate cash flow model, an investment target value, a target date for achieving financial user financial goals, or an investment portfolio.

15. The computer-readable storage medium of claim 13 , wherein the external financial market data includes values of various market benchmark indices, performance history of various securities, or prices of various securities.

16. The computer-readable storage medium of claim 13 , wherein the automated coaching advice in natural language format is an interpretation of numerical data.

17. The computer-readable storage medium of claim 13 , further comprising a user interface for providing live coaching over the network.