Systems and methods for past and future avatars

A method of providing advice to a user using a provider computing device comprising:

• obtaining personal information related to a user;
• analyzing the personal information to identify one or more traits of the user;
• creating a first advisor avatar and a second advisor avatar that is visually distinct from the first advisor avatar, wherein a visual appearance of each of the first advisor avatar and second advisor avatar is based on a visual appearance of the user, at least one of the first advisor avatar and second advisor avatar being defined by an age progression modified version of the current visual appearance of the user;
• identifying a financial goal of the user;
• identifying one or more tasks related to the identified financial goal;
• displaying, via a display of display device, the first advisor avatar;
• and
• communicating, using the first advisor avatar displayed by the display device, the one or more tasks related to a user;
• and
• communicating, using the second advisor avatar displayed by the display device, information related to the financial goal of the user;
• wherein, in an observer mode, the first advisor avatar and second advisor avatar are displayed by the display device concurrently and the first advisor avatar communicates with the second advisor avatar to provide instructions to the user to complete the one or more tasks for achieving the financial goal without any direct involvement from the user, and wherein the visual appearance of the first advisor avatar and the second advisor avatar are modified in accordance with a first scenario in which the one or more tasks are completed, and wherein the visual appearance of the first advisor avatar and the second advisor avatar are modified in accordance with a second scenario in which the one or more tasks are not completed.

A non-transitory computer-readable medium having processor-readable instructions stored thereon such that, when executed by a processor, cause the processor to:

• obtain personal information related to a user;
• analyze the personal information to identify one or more traits of the user;
• create a first baseline virtual coach and a second baseline virtual coach that is visually distinct from the first baseline virtual coach, wherein each of the first baseline virtual coach and the second baseline virtual coach are defined by one or more coach features selected based on at least one identified trait of the user;
• transmit a graphical user interface to be displayed by a mobile application on a user device on which the mobile application is stored, the graphical user interface including one or more user selectable options allowing a user to select one or more features that are to define a first user-specific virtual coach based on the first baseline virtual coach, and a second user-specific virtual coach based on the second baseline virtual coach;
• receive one or more selections input by the user via the graphical user interface;
• create the first user-specific virtual coach based on features of the first baseline virtual coach and the feature selections received from the user;
• create the second user-specific virtual coach based on features of the second baseline virtual coach and the feature selections received from the user, wherein at least one of the first user-specific virtual coach and the second user-specific virtual coach are defined by an age progression modified version of the current visual appearance of the user;
• identify a financial goal of the user;
• generate a first communication and a second communication to the user, each of the first communication and second communication containing information related to the financial goal of the user;
• send the first communication to a display device to be presented by the first user-specific virtual coach;
• and
• send the second communication to the display device to be presented by the second user-specific virtual coach;
• wherein, in an observer mode, the first user-specific virtual coach and second user-specific virtual coach are displayed by the display device concurrently and the first user-specific virtual coach communicates with the second user-specific virtual coach to provide instructions to the user to complete the one or more tasks for achieving the financial coal without any direct involvement from the user, and wherein the visual appearance of the first user-specific virtual coach and the second user-specific virtual coach are modified in accordance with a first scenario in which the one or more tasks are completed, and wherein the visual appearance of the first user-specific virtual coach and the second user-specific virtual coach are modified in accordance with a second scenario in which the one or more tasks are not completed.