This invention details a feedback-based system and methodology for dynamically transferring funds from external accounts in dynamic lightweight personalized analytics (DLPA). It also focuses on when and how to create targeted entities, e.g., financial accounts, in such an environment. Disclosed embodiments include a process for identifying, minimizing, and leveraging the behavioral information that optimize customer financial planning instruments in conjunction with the key performance indicators (KPIs) used in quantifying success. It includes dynamically leveraging financial accounts associated with customers, to determine when to make recommendations to create or transfer funds to other types of accounts or other relevant account-related actions. Furthermore, it facilitates a small memory footprint and optimal computation when making smart, customized suggestions to customers regarding their associated accounts.