books; sale of securities, namely, stocks, bonds, and annuities, where those securities are issued by other parties; sale of mutual funds, segregated funds, stocks, bonds, and annuities; sale of life insurance, disability insurance, long-term healthcare insurance, travel insurance, and extended care insurance; financial planning, namely, providing financial planning services to others in the area of investments and investment vehicles available to others; public speaking and providing seminars to the public focusing on such areas as financial planning and wealth planning; publishing, namely, publishing of books and periodical publications; retirement planning and independence planning, namely, providing counseling services to individuals focusing on future cash flow needs during retirement or subsequent to leaving full-time employment