Analyzing and determining a client's current and future periodic financial needs and goals, including to pay debts, meet financial obligations, fund desired savings levels, fund desired future purchases or other financial obligations; bill payment services, namely, periodically from a client's financial resources; paying the client's debts, meeting the client's financial obligations and funding the client's savings levels and desired future purchases; provide financial advice and strategies to clients and the client's social networks to encourage beneficial financial behavior and discourage financial behavior that is inconsistent with the client's financial obligations, plans, desires or goals