The rapid development of artificial intelligence (AI) is changing the financial landscape. It offers innovative solutions to optimize personal financial management and advisory services. This research focuses on developing an AI-based platform to improve financial decision-making by analyzing users’ investments to provide insights into financial health. Key features include Portfolio Visualizer, Risk Radar, Fundamental Analyst, Price Forecaster and Financial advisory services ensure a comprehensive view of financial planning, emphasizing AI frameworks and interpretable applications. To build user trust and transparency, challenges such as mitigating bias are explored. Real-time problem solving and fine-grained scalability with a commitment to accessibility and precision This research highlights the ability of AI to democratize financial advisory services. and overcome limitations in the current system. Future directions include real-time risk assessment. Advanced portfolio management and innovative AI integration for dynamic market simulation.