Abstract
A long-term priority in the field of social policy in the direction of ensuring social guarantees and increasing the personal responsibility of citizens of the country is a strategy for the development of the state. Having a conscious management trajectory, a person can plan personal finances at a young age without resorting to the help of a credit institution. To ensure the content of decision-making information systems in the field of asset management of individuals, it is required to develop mathematical models of complex functional social systems. This paper examines mathematical models of asset management throughout the life cycle of a family. A mathematical model of the process of achieving several financial goals distributed over time throughout the life cycle of a family has been built. A model for managing the processes of accumulating wealth in order to fulfill its obligations by controlling regular contributions is described. It is shown that when each generation of a family has targeted funds, the risk of default in conditions of volatility in the external environment decreases.