David N Ramirez

US Patent:

20120185407, Jul 19, 2012

Filed:

Aug 1, 2011

Appl. No.:

13/195447

Inventors:

Jason S. Scott - Los Altos CA, US
Shinichiro Inoue - Redwood City CA, US
Jeffrey N. Maggioncalda - Palo Alto CA, US
David Ramirez - Oakland CA, US
Wei-Yin Hu - Menlo Park CA, US
John G. Watson - Menlo Park CA, US
David Boudreau - Point Richmond CA, US
Gregory Stein - San Mateo CA, US
James W. Shearer - San Francisco CA, US

International Classification:

G06Q 40/00

US Classification:

705 36 R, 705 39

Abstract:

Financial advisory methods and systems for creating a steady lifetime income stream within an investment plan is provided. According to one embodiment, based on an investor's current holdings in the investment plan, a pattern of periodic cash payouts is identified that can be made to the investor from an in-plan payout program implemented with the limited universe of financial products available within the investment plan. The assets of the investment plan are rebalanced to form a payout portfolio and an equity exposure portfolio. The payout portfolio is constructed to create an annuity-like stream of income to support the pattern of periodic cash payouts and includes multiple bond funds. The equity exposure portfolio is constructed to address inflation risk by providing an ability to rise with equities markets. Finally, a periodic cash payout of the pattern of periodic cash payouts is caused to be paid to the investor from the investment plan.

US Patent:

20120185408, Jul 19, 2012

Filed:

Sep 26, 2011

Appl. No.:

13/245807

Inventors:

Jason S. Scott - Los Altos CA, US
Shinichiro Inoue - Redwood City CA, US
Jeffrey N. Maggioncalda - Palo Alto CA, US
David Ramirez - Oakland CA, US
Wei-Yin Hu - Menlo Park CA, US
John G. Watson - Menlo Park CA, US
David Boudreau - Point Richmond CA, US
Gregory Stein - San Mateo CA, US
James W. Shearer - San Francisco CA, US

International Classification:

G06Q 40/06

US Classification:

705 36 R

Abstract:

Financial advisory methods and systems for creating a steady lifetime income stream within an investment plan is provided. According to one embodiment, based on an investor's current holdings in the investment plan, a pattern of periodic cash payouts is identified that can be made to the investor from an in-plan payout program implemented with the limited universe of financial products available within the investment plan. The assets of the investment plan are rebalanced to form a payout portfolio and an equity exposure portfolio. The payout portfolio is constructed to create an annuity-like stream of income to support the pattern of periodic cash payouts and includes multiple bond funds. The equity exposure portfolio is constructed to address inflation risk by providing an ability to rise with equities markets. Finally, a periodic cash payout of the pattern of periodic cash payouts is caused to be paid to the investor from the investment plan.

US Patent:

20190094653, Mar 28, 2019

Filed:

Sep 17, 2018

Appl. No.:

16/133611

Inventors:

- Milpitas CA, US
David Ramirez - Fremont CA, US
Yevgeniy Churin - San Jose CA, US
William Replogle - Livermore CA, US

Assignee:

KLA-Tencor Corporation - Milpitas CA

International Classification:

G02F 1/35
H01L 21/67
H01S 3/00

Abstract:

Disclosed are methods and apparatus for hermetically sealing a nonlinear optical (NLO) crystal for use in a laser system. A mounted NLO crystal, an enclosure base, a lid, and a plurality of window components are moved into an oven. A vacuum bake process is then performed on the mounted NLO crystal, enclosure base, lid, and plurality of window components until a humidity level that is less than a predefined amount is reached. The mounted NLO crystal, enclosure base, lid, and plurality of window components are moved from the oven onto a stage of a glove box that includes a sealing tool. In the glove box, the mounted NLO crystal is hermetically sealed into the enclosure base by sealing the lid and plurality of window components into openings of the enclosure base.

US Patent:

20140249985, Sep 4, 2014

Filed:

May 12, 2014

Appl. No.:

14/275570

Inventors:

- Sunnyvale CA, US
Shinichiro Inoue - Redwood City CA, US
Jeffrey N. Maggioncalda - Palo Alto CA, US
David Ramirez - Oakland CA, US
Wei-Yin Hu - Menlo Park CA, US
John G. Watson - Menlo Park CA, US
David Boudreau - Point Richmond CA, US
Gregory Stein - San Mateo CA, US
James W. Shearer - San Francisco CA, US

Assignee:

FINANCIAL ENGINES, INC. - Sunnyvale CA

International Classification:

G06Q 40/04

US Classification:

705 37

Abstract:

Financial advisory methods and systems for creating a steady lifetime income stream within an investment plan is provided. According to one embodiment, a feasible, personalized pattern of periodic cash payouts from an investment plan is structured to achieve level annual income during a payout period when combined with other income sources. A mapping is maintained of fixed income investments from a limited universe of financial products available within the investment plan to corresponding constant maturity Treasury bond (CMT) weights. Based on the mapping, a payout program is designed that is expected to generate a stream of income sufficient to fund the cash payouts by determining an appropriate allocation of assets within the investment plan among the fixed income investments. A payout portfolio is formed within the investment plan including holdings in the fixed income investments in accordance with the determined appropriate allocation. The cash payouts are paid to the investor.

Address:

3015 Mt Clare Dr, San Jose, CA 95148

Phone:

(408)2643035

VIN:

1HGCP2F85BA006778

Make:

HONDA

Model:

ACCORD

Year:

2011