Abstract: An advisor system creates an advisor panel to advise a user with regards to any number of topics, such as, e.g., a financial questions or concerns the user may have. The panel is composed of one or more advisor avatars that are generated based on one or more traits of the user. The avatars may include past, present and/or future versions of the user. Various devices are utilized to display the panel to the user and allow the user to engage the panel. The system may adapt the advice provided by the panel, the features of the avatars and/or the manner in which the avatars interact with the user and/or each other in response to trends noted by the advisor system as the system is used by the user as well as others.