30. A computer program embodied on a computer readable medium for providing web-based financial portfolio coaching remotely over an internet connection, wherein the computer program is configured to perform a method comprising: receiving a selection of a service agreement from a user, wherein the selected service agreement is chosen from a plurality of different service agreements providing various service levels related to portfolio modeling and coaching, and wherein the various service levels define distinct combinations of support financial models, portfolio modeling, and coaching services to the user; identifying a current financial portfolio of the user; identifying a financial model from a set of financial models defined by the selected service agreement, the financial model including a user profile based on personal financial parameters of the user, the personal financial parameters including at least a risk tolerance level; and providing to the user customized financial coaching tailored to life intentions of the user, wherein the customized financial coaching includes suggestions for changes to the current financial portfolio based on the user profile and the selected service agreement, wherein the suggestions are presented in a natural language format, and wherein the suggestions include financial products and recommended securities for the user to purchase.
30. A computer program embodied on a computer readable medium for providing web-based financial portfolio coaching remotely over an internet connection, wherein the computer program is configured to perform a method comprising: receiving a selection of a service agreement from a user, wherein the selected service agreement is chosen from a plurality of different service agreements providing various service levels related to portfolio modeling and coaching, and wherein the various service levels define distinct combinations of support financial models, portfolio modeling, and coaching services to the user; identifying a current financial portfolio of the user; identifying a financial model from a set of financial models defined by the selected service agreement, the financial model including a user profile based on personal financial parameters of the user, the personal financial parameters including at least a risk tolerance level; and providing to the user customized financial coaching tailored to life intentions of the user, wherein the customized financial coaching includes suggestions for changes to the current financial portfolio based on the user profile and the selected service agreement, wherein the suggestions are presented in a natural language format, and wherein the suggestions include financial products and recommended securities for the user to purchase. 41. The computer program of claim 30 wherein the method further includes: creating, via a financial portfolio model, an ideal user portfolio based on the user profile.