This study explores how AI-driven personal finance advisors can significantly improve individual financial well-being. It addresses the complexity of modern finance, emphasizing the integration of AI for informed decision-making. The research covers challenges like budgeting, investment planning, debt management, and retirement preparation. It highlights AI s capabilities in data-driven analysis, predictive modeling, and personalized recommendations, particularly in risk assessment, portfolio optimization, and real-time market monitoring. The paper also addresses ethical and privacy concerns, proposing a transparent deployment framework. User acceptance and trust-building are crucial for widespread adoption. A case study demonstrates enhanced financial literacy, returns, and overall well-being with AI-powered advisors, underscoring their potential to revolutionize financial wellness. The study emphasizes responsible implementation and trust-building for ethical and effective AI deployment in personal finance.