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Current Age 34
Gender 1 1=temale, 2=male
Health 1 1:excellent, 2:average
Separation Age 62 Quit contributing to plan
Retirement Age 62 Begin withdrawals trom plan
Current Gross Wages 50,000
Expected Annual Raises 5.0%
Current Contribution Rate 1.0%
Company Match Percent 50.0%
Company Match Up To 4.0% (so 8% employee bogey)
Expected Annual lntlation 3.0%
Assumed Portfolio Return 9.0%
Current Portfolio Balance 50,000
Real Annual Raise Contributed 75% Until Full Match Reached 5
Real Annual Raise Contributed 25% Thereafter
Assume Lifetime Annuity Return 6.0% hidden from user
Annual Annuity Escalation 3.0% match inflation
Example Results 0% 25% 50% 75% 100% 125%
Plan Plan Plan Plan Plan Plan
Real Retirement Income 40,116 47,894 52,485 55,005 56,894 59,731
Real Last Year Salary 84,038 84,038 84,038 84,038 84,038 84,038
Salary Replacement 48% 57% 62% 65% 68% 71%
Real Last Taxable Income 77,315 70,532 70,532 70,532 70,532 70,532
Taxable Income Replacement 52% 68% 74% 78% 81% 85%
Next Year Stcl—ot-Living Change 0 0 0 0 0 -05%
Avg Std—ot—Living Increase +1.7% +l.3% +1.3% +1.3% -1-1.3% +l.3%
Year Limit is Reached Never 2029 2021 2018 2016 2013
Year Full Match is Reached 2007 2007 2007 2007 2007 2007
I-'irst—year Contribution Rate 2.9% 2.9% 2.9% 2.9% 2.9% 3.4%
Last—year Contribution Rate 8.0% 16.1% 16.1% 16.1% 16.1% 16.1%
Current Plon (NO Savings)
Save 100% of SOL Increase Until Fill Match Achieved
— —— Then Sove 0% Of SOL increase
—————-* Then Save 25% ot SOL increase
Then Sove 100% of SOL increose
$90,000 _ 0 : 2 $80,000: i_ Q0 : ,, $70,000-j'>~ : ///' 5 W01 _ __________________________________________________ I— : // 4/7, E $50,000: E 5 620 $40,000 _ . 7, § 1 — $30,000_:.--9 : E $20,000-j~---W Age“. '2 5 . Retirement | $10,000-_~ \1 W : I
Age >> 35""4'0' 4'5"'5o"'55""6'd"6Is" '7'ri"'7'5 80 8'5 90 95100
Geometric Chance Mean Median 50—50 l in 2 8.36% 25th percentile 1 in 4 6.88% 28 years Saving Horizon 10th percentile 1 in 10 5.56%
9.0% Portfolio Return (stochastic)
Current plan is contributing 2.0% of nominal salary per year.
Proposed Plan is:
Contributing 80% of real salary increases until full match is reached.
Contributing 50% of real salary increases thereafter.
SYSTEMS AND METHODS FOR SCHEDULING CONTRIBUTIONS TO A RETIREMENT SAVINGS PLAN
 This application is a divisional of application Ser. No. 10/839,192, entitled SYSTEMS AND METHODS FOR SCHEDULING CONTRIBUTIONS TO A RETIREMENT SAVINGS PLAN, noW alloWed, Which Was filed on May 5, 2004 and Which claims priority benefit of U.S. Provisional Patent Application No. 60/467,776 filed May 5, 2003, and titled “SYSTEM AND METHOD FOR SCHEDULING CONTRIBUTIONS TO RETIREMENT SAVINGS PLANS,” both of Which are incorporated herein by reference in their entireties.
 This specification includes a partial source code listing of one aspect of a preferred embodiment of the invention, attached as Appendix A. These materials form a part of the disclosure of the specification. The copyright oWner has no objection to the facsimile reproduction of this code listing and other code listings included in Tables 1-5 as part of this patent document, but reserves all other copyrights Whatsoever.
 The present invention relates generally to electronic financial analysis and advisory systems, and in particular, to systems for scheduling contributions to savings plans.
BACKGROUND OF THE INVENTION
 As employer-sponsored defined benefit retirement plans become less commonly offered by employers, defined contribution plans, such as 401(k) and 403(b) plans that rely on employee contributions and employee investment choices are increasingly taking their place. With Social Security becoming a less certain source of retirement income, these defined contribution plans and other savings plans managed by the employee are becoming more important to the employee’s eventual standard-of-living during retirement years.  Plan sponsors (employers) and plan providers (administrators) typically Want to encourage increased savings. ToWards this end, many employers offer to match a portion of an employee’s savings, With certain limitations.
 Individual savings are more important noW than ever, but the many investment choices available to employees may be confusing to them. Many employees select a retirement savings contribution plan, possibly even one that does not take full advantage of employer matching funds, and continue With it, unchanged, for the duration of their employment. Many feel they need their full take-home salary right noW and may not Want to forego even the portion of their raises that goes beyond What’s needed to maintain their current standard-of-living.
 Financial planners, Who are often best equipped to explain to employees the consequences of various contribution plan choices, are frequently paid based on client portfolio size. Since an average employee savings portfolio is relatively small (e.g., $15K), it is often not cost-effective for financial
planners to provide individualized services to clients desiring advice regarding their retirement savings contributions.
 Computer-based systems and methods are described that address the above-mentioned deficiencies by generating personalized, automated contribution strategies for scheduling contributions to a retirement savings plan or other savings plan. Embodiments of the systems and methods provide visual and other educational displays to assist a client in choosing a suitable savings contribution strategy that takes into account a plurality of factors, such as: details of an employer-sponsored savings fund available to the client Which may include opportunities for employer matchingfunds, acceptable portion of standard-of-living increases derived from salary raises that the client is Willing to contribute to a savings plan, client’s current savings behavior and value of savings portfolio, effects of the stochastic nature of future investment portfolio value, and changing federal tax regulations. Clients may use the systems for educational and planning purposes. Clients may authorize automated triggering of contributions With scheduled increases and/or decreases as specified by the selected plan.
 The educational aspects of the systems and methods described herein help educate an employee regarding the significant long-term benefit contributing to retirement savings to the maximum limit matched by the employer and to receiving the maximum amount of free contributions from employer as soon as is possible. Furthermore, the systems and methods are configured to calculate and to shoW the employee that, as long as the employee receives raises that are above the current level of inflation, progress may be made toWards the goal of full matching-funds eligibility Without sacrificing the employee’s current standard-of-living.
 Once an employee authorizes contribution payments to be made according to a selected contribution schedule, the contribution schedule may be used by a contribution management application of the system to trigger automated contribution payments that increase and/ or change according to the contribution schedule. Furthermore, the system may be configured to generate a tWo-staged contribution schedule that provides for a more accelerated rate of increasing contributions up until reaching the point of the employer’s maximum matching-funds limit, and a less accelerated rate of increasing contributions after reaching the “full match” point.  An embodiment of a computer system is described for generating at least one proposed retirement savings plan contribution schedule for a retirement savings plan on behalf of a user. The system comprises a computer system comprising one or more computing devices and an input/output interface that is configured to receive input from a user desiring a retirement savings plan contribution schedule, Where the input comprises information about the user’s salary, an available employer-sponsored retirement savings plan, and an available employer matching-funds program. The input/output interface is further configured to present information to the user. The system also comprises at least one repository of reference data for generating a retirement savings plan contribution schedule, Where the reference data comprises govemment-issued conditions and limitations associated With the employer-sponsored retirement savings plan. The system also comprises a calculation engine executed by the computer system, Where the calculation engine is configured to receive the user input from the input/ output interface and to access the