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Providing on-line non-downloadable software for optimizing asset allocation for retirement income portfolios, preparing financial analyses and analytics, and creating, optimizing, and assessing the health and potential risk of retirement income strategies; Providing on-line non-downloadable software for evaluating short-term financial needs to determine the most tax-efficient way to withdraw cash from various investment accounts and financial products to cover retirement expenses and tax obligations; Providing on-line non-downloadable software for analyzing long-term retirement income needs, including optimizing financial asset allocation strategies