A method includes processing circuitry obtaining user inputs associated with an investment. The user inputs may indicate an investment period after which distribution of a realized return of the investment will begin, and a desired realized return for the investment at an end of the investment period. The method also includes obtaining one or more additional factors that affect the realized return of the investment from another system, and estimating a funding amount that the user must fund the investment with, before or during the investment period, to realize the desired realized return after the investment period based on the user inputs and the one or more additional factors.

Systems, apparatuses, methods, and computer program products are disclosed for providing a multimodal interactive personal advisor (MIPA). An example method includes retrieving user data associated with a user. The example method also includes facilitating an interaction between the user and an MIPA model. The example method also includes extracting, based on the interaction, a set of data features associated with the user and determining, based on the set of data features, second user data. The example method also includes generating, based on the user data and the second user data, a pathway for the user. The example method also includes determining a trigger event has occurred and evaluating, based on the trigger event, user progress made with respect to the pathway. The example method also includes initiating a user check-in interaction, where the user check-in interaction comprises providing an evaluation of the user progress made with respect to the pathway.

An information processing apparatus includes a classification unit that classifies a plurality of pieces of numerical data related to a life plan of a subject into data items for generating support information of life planning using content information indicating content of each piece of numerical data and a language model, and a support information generation unit that generates support information using the numerical data as data of a data item classified by the classification unit. The information processing apparatus supports the decision making of the subject.