Methods, systems and business models are provided for an effective personal advisor service. According to one embodiment, a personal advisor service performs a method of identifying and notifying a subscriber of the personal advice service of information regarding potential transactions, potential transaction providers, or transactable information determined to address or alleviate a need of the subscriber. First, a computer system of a personal advice service receives information indicative of one or more needs of the subscriber of the advice service. The personal advice service then generates information regarding one or more offers for the subscriber by identifying and selecting among potential transactions, potential transaction providers, or transactable information that are determined to address or alleviate a need of the one or more needs. Finally, the personal advice service causes the one or more offers to be communicated to the subscriber in accordance with a reachability profile established by the subscriber.