Financial literacy is a theme that integrates public policies for the social development of a country and an element to be worked on from different aspects to improve people's living standards, providing well-being. In this context, Stima is proposed, a system capable of acquiring knowledge from experts and tutors to help students to follow the bases of financial planning and decision-making. It aims to relate different approaches to artificial intelligence and institute a language that, through syntactic, lexical, and semantic analyzes, executed by different agents within the model, makes it possible to define financial profiles and recommend financial planning. The knowledge stored is used to propose financial monitoring standards and provides tools to assist financial decision-making. A set of eight profiles, with three indicators each, was configured by experts inside a prototype, and a volunteer student was accompanied for four months giving validations to the system.