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The rise of AI-based technologies is transforming the financial advice industry, with the potential to replace human advisors and drive down costs. A new competitor, equipped with advanced AI capabilities and a charming personality, is available 24/7 for a modest fee. This technology utilizes speech recognition, natural-language processing, chatbox frameworks, and avatar animation to provide personalized financial advice. The author plans to use this technology to create a streaming avatar that can interact with readers and answer questions about their new book.