business planning; tax and taxation advice, information, advise, preparation and consultancy services; monitoring consumer credit reports and providing an alert as to any changes therein; financial planning for retirement; providing information and advice in the field of finance, financial investments, financial valuations, and the financial aspects of retirement; financial asset management; financial services rendered in connection with the issuance, receipt and transfer of lines of credit, namely, credit processing services; estate planning; providing information and consultancy in the field of insurance; real estate services, namely, property management services; mortgage services, namely, buyer pre-qualification of mortgages for mortgage brokers and banks; advisory services in the field of employee benefits for group healthcare and business insurance offered to employees in addition to standard benefits such as medical, dental, life insurance including short term disability, long term disability, cancer insurance, accidental death and dismemberment; bill payment services