This project aims to develop an intelligent personal-finance advisory agent that bridges the gap between the novice user and the expert model of the finance domain. The agent uses common-sense reasoning and inference for associating the user's personal life, financial situation, and goals with the attributes of the expert domain model and vice versa. The agent interface provides a natural-language interface for elicitation and explanations of design and process rationale. The architecture of the system is domain-independent and consequently can be used for any novice-expert domain model.