This paper presents a novel framework for personalized financial advice that considers users' goals, constraints, risk tolerance, and jurisdiction. While previous research on large-scale language models (LLMs) has focused on support systems for investors and financial planners, this study proposes a framework for constructing supervisory data for end-to-end financial advice systems by incorporating financial contexts relevant to behavioral finance research. Using this framework, we generate a 19,000-parameter inference dataset and fine-tune the Qwen-3-8B model, demonstrating that it achieves comparable performance in terms of factual accuracy, fluency, and personalization to much larger models (14 to 32 billion parameters) at an 80% lower cost.