James G Powers

US Patent:

6684190, Jan 27, 2004

Filed:

Dec 10, 1998

Appl. No.:

09/209147

Inventors:

James G. Powers - Albany OR
Richard M. Weber - Safety Harbor FL

Assignee:

Financial Profiles, Inc. - Carlsbad CA

International Classification:

G06F 1760

US Classification:

705 4, 705 36

Abstract:

A dynamic, user-friendly financial and illustration system for evaluating, exposing and re-balancing, to the users appropriate risk tolerance, the inherent risk in such financial planning areas as retirement, insurance, estate decision-making and targeted financial goal funding, e. g. , college education, long-term care decisions, etc. This system provides a basis for both calculating and visualizing the elements of risk, and the re-balancing of that risk in accordance with the users risk tolerance, in any financial decision when the underlying elements of risk are known and can be inputted or computed.

US Patent:

59566914, Sep 21, 1999

Filed:

Jan 7, 1997

Appl. No.:

8/778073

Inventors:

James G. Powers - Albany OR

Assignee:

Second Opinion Financial Systems, Inc. - Phila. PA

International Classification:

G06F 1760

US Classification:

705 4

Abstract:

A dynamic, user friendly insurance policy illustration system for computing and graphically displaying the future values of a model life insurance policy. Key variables are entered and a graphic display of future values is instantly displayed. Variable keys can be selected to recalculate or solve for a certain stated policy performance, or variables can be entered and changed at will to display various "what if" life insurance scenarios. Variables can be rapidly moved through a range of values to create a "move" of the illustrated values changing from variable "A" to "B. " The dynamic policy illustration system has built-in tables which can be used to view the effect various economic changes may have on a life insurance illustration. In addition, the dynamic policy illustration system includes an interactive expectations assessment process that uses a questionnaire, inferences and feedback for educating the user about life insurance and thereby leads the user to the most suitable life insurance policy selection based on his/her responses.

Address:

415 W Waterside Dr APT 205, Post Falls, ID 83854

VIN:

2HGFG12677H576480

Make:

HONDA

Model:

CIVIC

Year:

2007