diff --git a/src/components/home/HealthScoreModal/HealthScoreModal.tsx b/src/components/home/HealthScoreModal/HealthScoreModal.tsx
index 2cf92e1..3c8f3a9 100644
--- a/src/components/home/HealthScoreModal/HealthScoreModal.tsx
+++ b/src/components/home/HealthScoreModal/HealthScoreModal.tsx
@@ -6,6 +6,7 @@
 import React, { useEffect, useState } from 'react';
 import { Icon } from '@iconify/react';
 import { formatCurrency } from '../../../utils/format';
+import { getFinancialAdvice } from '../../../services/aiService';
 import './HealthScoreModal.css';
 
 interface HealthScoreModalProps {
@@ -46,7 +47,8 @@ export const HealthScoreModal: React.FC<HealthScoreModalProps> = ({
 }) => {
     const [showRules, setShowRules] = useState(false);
     const [animate, setAnimate] = useState(false);
-    // AI Advice state can be removed if strictly using tips, or kept as fallback
+    const [aiAdvice, setAiAdvice] = useState<string>('');
+    const [loadingAdvice, setLoadingAdvice] = useState(false);
 
     // --- Logic & Calculations ---
 
@@ -54,15 +56,36 @@ export const HealthScoreModal: React.FC<HealthScoreModalProps> = ({
     // const spendDiff = todaySpend - yesterdaySpend; // Unused now
 
     useEffect(() => {
+        let isMounted = true;
         if (isOpen) {
             setTimeout(() => setAnimate(true), 50);
+
+            // Fetch AI Advice if not already fetched
+            if (!aiAdvice && !loadingAdvice) { // Only fetch if not already fetched or loading
+                setLoadingAdvice(true);
+                getFinancialAdvice({
+                    score,
+                    totalAssets,
+                    totalLiabilities,
+                    metrics,
+                    tips
+                })
+                    .then(advice => {
+                        if (isMounted) setAiAdvice(advice);
+                    })
+                    .catch(err => {
+                        console.error("Failed to load AI advice", err);
+                    })
+                    .finally(() => {
+                        if (isMounted) setLoadingAdvice(false);
+                    });
+            }
         } else {
             setAnimate(false);
             setShowRules(false); // Reset view on close
         }
-    }, [isOpen]);
-
-    const aiAdvice = ''; // Fallback placeholder if needed
+        return () => { isMounted = false; };
+    }, [isOpen, aiAdvice, loadingAdvice, score, totalAssets, totalLiabilities, metrics, tips]);
 
 
     if (!isOpen) return null;
@@ -79,13 +102,7 @@ export const HealthScoreModal: React.FC<HealthScoreModalProps> = ({
 
     const level = getLevel(score);
 
-    // Dynamic Suggestion (Fallback)
-    const getStaticSuggestion = () => {
-        if (debtRatio > 50) return "负债率偏高（>50%）。建议优先偿还高息债务（如信用卡），避免产生不必要的利息支出。同时请审视非必要消费。";
-        if (score < 60) return "建议建立强制储蓄计划，每月发工资后先存下一笔钱。同时，坚持每日记账能帮助你发现隐形浪费。";
-        if (score >= 90) return "您的财务状况非常健康！目前的低负债率是很好的优势。建议考虑学习理财知识，让结余资金通过稳健投资实现增值。";
-        return "财务状况良好。建议检查是否有闲置资金可以转入储蓄账户赚取收益，并尝试为自己设定一个年度储蓄目标。";
-    };
+
 
     // --- Render Helpers ---
 
@@ -238,12 +255,21 @@ export const HealthScoreModal: React.FC<HealthScoreModalProps> = ({
                                     <span>AI 智能建议</span>
                                 </div>
                                 <div className="suggestion-content">
-                                    {tips && tips.length > 0 ? (
-                                        tips.map((tip, i) => (
-                                            <div key={i} style={{ marginBottom: '8px', fontSize: '0.9rem' }}>{tip}</div>
-                                        ))
-                                    ) : (
-                                        <p>{aiAdvice || getStaticSuggestion()}</p>
+                                    {/* Static Tips */}
+                                    {tips && tips.length > 0 && tips.map((tip, i) => (
+                                        <div key={i} style={{ marginBottom: '8px', fontSize: '0.9rem', color: 'rgba(255,255,255,0.9)' }}>{tip}</div>
+                                    ))}
+
+                                    {/* AI Dynamic Advice */}
+                                    {loadingAdvice ? (
+                                        <div style={{ marginTop: '12px', fontSize: '0.85rem', opacity: 0.7, fontStyle: 'italic', display: 'flex', alignItems: 'center', gap: '6px' }}>
+                                            <span className="loading-dots">CFO 正在分析您的财务报表...</span>
+                                        </div>
+                                    ) : aiAdvice && (
+                                        <div style={{ marginTop: '12px', paddingTop: '12px', borderTop: '1px solid rgba(255,255,255,0.1)', fontSize: '0.9rem', lineHeight: '1.6', color: '#60a5fa' }}>
+                                            <Icon icon="solar:chat-round-line-duotone" style={{ marginRight: '6px', verticalAlign: 'text-bottom' }} />
+                                            {aiAdvice}
+                                        </div>
                                     )}
                                 </div>
                             </div>
diff --git a/src/services/aiService.ts b/src/services/aiService.ts
index c5bb6d9..5ac4248 100644
--- a/src/services/aiService.ts
+++ b/src/services/aiService.ts
@@ -342,8 +342,12 @@ export async function getFinancialAdvice(context: {
   totalAssets: number;
   totalLiabilities: number;
   score: number;
-  todaySpend: number;
-  yesterdaySpend: number;
+  metrics: {
+    debtRatio: number;
+    survivalMonths: number;
+    budgetHealth: number;
+  };
+  tips: string[];
 }): Promise<string> {
   // Generate a simple hash of the context to detect data changes
   const currentHash = JSON.stringify(context);
@@ -360,25 +364,25 @@ export async function getFinancialAdvice(context: {
 
   // Construct a prompt for the AI
   const prompt = `System: 你是全能的首席财务官 (CFO) 兼个人财富导师。
-Context: 用户希望获得深度、犀利且具有前瞻性的财务洞察。不要说废话，直击痛点或爽点。
+Context: 用户希望获得深度、犀利且具有前瞻性的财务洞察。基于用户的健康分数据和系统预生成的 Tips，给予综合评价。
 
 User Financial Data:
-- 综合评分: ${context.score} (S级标准: 90+, 警戒线: 60)
+- 综合评分: ${context.score}
+- 财务结构: 负债率 ${(context.metrics.debtRatio * 100).toFixed(1)}%, 生存期 ${context.metrics.survivalMonths.toFixed(1)} 个月
 - 净资产: ¥${(context.totalAssets - context.totalLiabilities).toFixed(2)}
-- 资产/负债: ¥${context.totalAssets.toFixed(2)} / ¥${context.totalLiabilities.toFixed(2)}
-- 负债杠杆: ${context.totalAssets > 0 ? ((context.totalLiabilities / context.totalAssets) * 100).toFixed(1) : 0}%
-- 短期收支: 今日支出 ¥${context.todaySpend.toFixed(2)} (对比昨日: ¥${context.yesterdaySpend.toFixed(2)})
+- 预算状态: ${context.metrics.budgetHealth > 0 ? '有结余 (优秀)' : context.metrics.budgetHealth < 0 ? '超支 (警告)' : '正常'}
+- 系统 Tips: ${context.tips.join('; ')}
 
 Instruction:
-请根据上述数据，运用"第一性原理"分析用户的核心财务健康度。
-1. 如果负债率过高(>30%)，给出一条关于"债务雪崩法"或"债务雪球法"的具体行动建议。
-2. 如果资产健康但支出波动大，提示"拿铁因子"风险。
-3. 如果状态完美，建议关注"被动收入"或"抗通胀"配置。
+请根据上述数据，生成一段简短有力的财务点评。
+1. 甚至可以引用系统 Tips 中的关键数据来加强说服力。
+2. 如果生存期 < 3个月，必须强调建立应急储备的重要性。
+3. 语气要像个严厉但负责任的导师。
 
 Output Requirements:
-- 限制字数: 120字以内。
+- 限制字数: 100字以内。
 - 风格: 睿智、冷静、一针见血。
-- 格式: 纯文本，适当使用Emoji (💡, 🚀, 🛡️) 作为视觉锚点。`;
+- 格式: 纯文本，不要 markdown 标题。`;
 
   try {
     // 2. Request from AI