INVESTMENT ADVISORY SERVICES, NAMELY, TO DETERMINE PERSONAL INVESTMENT PROFILES, TO ANALYZE CURRENT PORTFOLIO HOLDINGS INCLUDING THOSE HELD OUTSIDE OF THE INVESTOR'S LOCAL MARKET, TO IMPROVE CURRENT PORTFOLIO RISK-RETURN DIMENSION (INCREASING RETURN FOR GIVEN LEVEL OF RISK OR DECREASING RISK FOR A GIVEN LEVEL OF RETURN) BY OPTIMIZING PORTFOLIO HOLDINGS SUBJECT TO ASSET CLASS CONSTRAINTS, TO RECOMMEND SPECIFIC MUTUAL FUNDS FOR ASSET CLASS ALLOCATIONS INDICATED IN OPTIMIZATION PROCESS, TO SUPPLY ANALYSIS OF SUCH MUTUAL FUNDS, TO PROVIDE ABILITY TO PURCHASE SUCH FUNDS, VIA AN ELECTRONIC COMMUNICATIONS NETWORK; PROVIDING INFORMATION ON FINANCIAL INVESTMENT, FINANCIAL PLANNING AND INVESTMENT STRATEGIES, NAMELY, ANALYZE, BENCHMARK, TRACK AND FORECAST PERSONAL INVESTMENTS, VIA AN ELECTRONIC COMMUNICATIONS NETWORK