Consulting and information concerning insurance; Design and development of insurance policies for others; Financial advice, namely, budget planning; Financial advisory and consultancy services; Financial advisory and consultancy services, namely, creating personalized strategies for achieving financial independence and providing information for estate planning; Financial advisory and consultancy services, namely, creating checking accounts with profits from life insurance policies used to pay tax deductible mortgages; Financial consulting; Financial evaluation for insurance purposes; Financial planning; Financial planning consultation; Financial planning for retirement; Financial retirement plan consulting services; Financial services, namely, mortgage planning; Financial services, namely, providing an investment option available for variable annuity and variable life insurance products; Financial services, namely, providing information in the fields of foreign currency, commodities, financial derivatives, interest rate products, and equities via the internet and intranet systems; Insurance consulting in the field of life insurance; Investment consultancy; Providing information and advice in the field of finance, financial investments, financial valuations, and the financial aspects of retirement; Providing information in the field of employee financial benefit plans; Providing information in the field of personal finance; Providing information, commentary and advice in the field of finance, financial investments and financial valuations