Ameriprise Financial, Inc. Patent applications |
Patent application number | Title | Published |
20150339781 | Financial Product Risk Mitigation System and Method - Automated methods for managing risk associated with investment products is disclosed. A logic engine executes portfolio realignment and contract benefit calculations according to timing rules or event-based triggers. The investment product may provide a guaranteed withdrawal benefit option that allows for a variety of investment, payment, withdrawal, fee and termination options. | 11-26-2015 |
20140039938 | Retirement Planning Application - A method includes receiving first user input indicating selection of a guaranteed income option to fund essential retirement expenses. The method further includes receiving second user input indicating selection of an investment option to fund lifestyle retirement expenses. The method also includes receiving third user input indicating selection of an unexpected liability coverage option, wherein the unexpected liability coverage option includes a long-term care funding option, an unexpected legal expense funding option, or any combination thereof. The method includes receiving fourth user input indicating selection of one or more legacy planning options. The method also includes generating a retirement plan based on the first user input, the second user input, the third user input, and the fourth user input. | 02-06-2014 |
20130332394 | Retirement Planning Application - A method includes generating a first interactive graphical user interface (GUI) that identifies one or more guaranteed income options to fund essential retirement expenses and receiving a selection of a guaranteed income option. The method includes generating a second interactive GUI that identifies one or more investment options to fund lifestyle retirement expenses and receiving a selection of an investment option. The method includes generating a third interactive GUI that identifies one or more unexpected liability coverage options and receiving a selection of an unexpected liability coverage option. The method includes generating a fourth interactive GUI that identifies one or more legacy planning options and receiving a selection of a legacy planning option. The method includes generating a retirement plan that identifies the selected guaranteed income option, the selected investment option, the selected unexpected liability coverage option, and the selected legacy planning option. | 12-12-2013 |
20130218805 | OPPORTUNITY LIST ENGINE - A method includes receiving a selection of a particular client (or advisor) and determining likelihoods of the selected client (or clients associated with the selected advisor) purchasing products based on the one or more factors correlating previous purchasers of the products. The method includes generating a prioritized list of sales opportunities associated with the selected client (or selected advisor) based on the likelihoods. | 08-22-2013 |
20130124231 | System and Method for Automated Funds Management - An automated funds management system and in particular a system and a method to at least ensure the payment of guaranteed minimum income benefit (“GMIB”) based on the automated sector based allocation of funds in a variable annuity. A contract holder's profile data is evaluated and a profile score is computed based on the evaluated profile data. The GMIB payment stream value is computed based on the available profile data and the assigned profile score. An appropriate asset class percentage allocation of contract holder funds is recommended based on the assigned profile score and the computed GMIB payment stream value. Appropriate subaccounts are identified based on the defined asset class percentage allocation of contract holder funds, GMIB payment stream value, and/or profile score. The changes in the value of at least one market index are captured and based on a pre-determined change in the value of at least one market index, at least a portion of the invested contract holder funds are reallocated into relatively better performing market sector based subaccounts. | 05-16-2013 |
20130096959 | Automatic Income Adjustment - A method includes receiving market data associated with an investment product that specifies a first guaranteed annual withdrawal amount and a second guaranteed annual withdrawal amount, where the first guaranteed annual withdrawal amount is greater than the second guaranteed annual withdrawal amount. The method also includes automatically selecting a guaranteed annual withdrawal amount from the first guaranteed annual withdrawal amount and the second guaranteed annual withdrawal amount based on at least an evaluation of the market data. | 04-18-2013 |
20130090978 | RISK-BASED EVALUATION OF FINANCIAL ADVISORS - A particular method includes selecting a financial advisor from a plurality of financial advisors. The selected financial advisor has a plurality of financial advising relationships with a plurality of clients. The financial advising relationships are automatically evaluated based on a plurality of risk assessment rules. A relationship risk score for each of the financial advising relationships is computed. | 04-11-2013 |
20120197818 | MANAGEMENT OF GOALS AND RECOMMENDATIONS - A particular method includes identifying a financial planning objective for a financial planning client and creating a financial planning goal for the financial planning client based at least in part on the financial planning objective. A financial planning recommendation is associated with the financial planning goal, and data identifying the financial planning goal and the financial planning recommendation is stored in a data store. The method also includes monitoring activity of the financial planning client and at least one other financial planning client to detect a financial planning trend. In response to the detected trend, a financial planning product is selected for potential incorporation into subsequent recommendation(s). | 08-02-2012 |
20120036087 | AUTOMATIC INCOME ADJUSTMENT - A method includes receiving market data associated with an investment product that specifies a first guaranteed annual withdrawal amount and a second guaranteed annual withdrawal amount, where the first guaranteed annual withdrawal amount is greater than the second guaranteed annual withdrawal amount. The method includes automatically selecting a guaranteed annual withdrawal amount from the first guaranteed annual withdrawal amount and the second guaranteed annual withdrawal amount based on at least an evaluation of the market data. | 02-09-2012 |
20100306126 | MANAGEMENT OF GOALS AND RECOMMENDATIONS - Methods, systems, and computer-readable media are disclosed for managing goals and recommendations. A particular method includes identifying one or more financial planning objectives for a financial planning client, receiving information relating to the one or more financial planning objectives, and creating a financial planning goal for the financial planning client based at least in part on an analysis of the information. One or more financial planning recommendations are associated with the financial planning goal, and data identifying the financial planning goal and the one or more financial planning recommendations is stored in a data store. The method also includes monitoring progress of the financial planning client with respect to the financial planning goal over at least a portion of a financial planning lifecycle. | 12-02-2010 |
20090150301 | FINANCIAL PRODUCT RISK MITIGATION SYSTEM AND METHOD - Automated methods for managing risk associated with investment products is disclosed. A logic engine executes portfolio realignment and contract benefit calculations according to timing rules or event-based triggers. The investment product may provide a guaranteed withdrawal benefit option that allows for a variety of investment, payment, withdrawal, fee and termination options. | 06-11-2009 |
20080270491 | METHOD AND SYSTEM FOR ELECTRONIC ARCHIVAL AND RETRIEVAL OF ELECTRONIC COMMUNICATIONS - The system receives an electronic communication, reviews the electronic communication to determine content of the electronic communication, applies rules to the content to determine a category associated with the electronic communication, wherein the rules relate to at least one of federal law, federal government regulations, state law, state government regulations, industry standards and administrative policies; and, stores the electronic communication based on the category. | 10-30-2008 |