Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2008-03-12
2010-11-16
Havan, Thu Thao (Department: 3695)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S03600T
Reexamination Certificate
active
07835963
ABSTRACT:
The present disclosure describes systems and methods for distributing retirement assets. One or more embodiments include receiving personal data related to an individual, the personal data including a number of projected income sources and a value of projected expenses of the individual, and receiving retirement asset allocation data of the individual, the retirement asset allocation data including current fund allotments to a number of money classes each having disparate tax treatment. One or more embodiments include calculating a value of projected after-tax income of the individual, calculating a deficit amount when the value of projected expenses exceeds the value of projected after-tax income, and using orthogonal sampling to calculate a distribution schedule for funding the deficit amount, the distribution schedule including, for each of the number of money classes, a recommended sum for the individual to withdraw from the money class in order to fund the deficit amount.
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Borzych Christopher L.
Gmelch John
Gmelch, legal representative Veronica
Chadbourne & Parke LLP
Hanchuk Walter G.
Havan Thu Thao
United Services Automobile Association (USAA)
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