A method and system for financial services, intergenerational savings, trust management, future inheritance planning, and the use of artificial intelligence in conditional asset management facilitate the generation and protection of multi-generational wealth.

A system for automatic control total reevaluation during batch processing of ACH data files, such that control total information received by an originating financial institution after an attempted batch processing operation on an associated ACH data file can still be automatically matched with the already received associated ACH data file, the ACH data file can be appropriately modified to reflect receipt of the matching control total information, and the ACH data file can be processed at a subsequent scheduled batch processing operation.

A non-transitory computer readable medium storing computer-executable instructions that, when executed by a processor, cause a machine learning (ML) engine and/or Artificial Intelligence (AI) to: train a machine learning model of the machine learning engine using financial datasets; providing parameter values to a Savings Plan Creator via a user interface; generating, by the Savings Plan Creator, a savings plan for a short or a long-term savings instrument based on the provided parameter values, the savings plan creator being driven by the machine learning engine that matches the provided parameter values to an existing savings plan selected from a Plans Database having existing savings plans stored therein, or that synthesizes a customized savings plan.