wide range of asset management firms, broker-dealers, banks, insurance companies, online brokerages, and other financial institutions, enabling these institutions and their advisors to offer a comprehensive goal-based investment program for the mass-affluent investor consisting of :

- Assessment of a household through a holistic balance sheet approach

- Goal-based asset allocation and advice based on the financial service providers capital market assumptions and investment universe

- A discretionary managed account offering for delegators

- An advisor workflow to develop, communicate, deliver and implement goal-based advice and account management services

- An innovative direct investor destination, called GoalGami, that allows the advisor's client or prospect to engage in the advice process by creating their own goal plan