Personalized media is generated by obtaining a master clip having predefined insert points, obtaining an insert clip, seamlessly merging the insert clip into the selected master clip to generate a personalized media clip with undetectable transitions between spliced clips. An insert clip is utilized for purposes of adding variables such as a name, place, time, gender, product name or any other desirable information to a master clip. Dynamic context data may be added and transmitted to a client playback device. This distribution process may be in real-time or asynchronous until requested. The playback device may use the clip for ring tone, ringback tone or voice message or any other purpose. Although the contents of the master clip and/or the insert clip may use any voice including the originator's voice, celebrity voices or the voices of celebrity impersonators may be utilized. The master clip and insert clip may be seamlessly merged using uncompressed or compressed data in given formats.