understanding Hex file creation

for 1K memory - I chose 64 as word size and 128 as word count.

for 1M memory - i chose 64 as word size and 131072 as word count.

i critical warning i got is this - Critical Warning(23414): Memory depth (262144) in the design file differs from memory depth (131073) in the Memory Initialization File "/user/path_to_project/ip/pcie_ed/pcie_ed_intel_onchip_memory_0/intel_onchip_memory_1410/synth/d2h_mem.hex" -- setting initial value for remaining addresses to 0

this warning means I am not making Hex file correctly. so my question is how do i do it correctly?