41 EDUCATIONAL SERVICES, NAMELY, CONDUCTING PROGRAMS, TUTORIAL SESSIONS, SEMINARS, CLASSES, WORKSHOPS AND TESTING IN THE FIELD OF SECURITIES, INVESTMENT AND FINANCE, FINANCIAL PLANNING, WEALTH MANAGEMENT AND INSURANCE; EDUCATIONAL SERVICES, NAMELY CONDUCTING TUTORIAL SESSIONS, COURSES, WORKSHOPS, SEMINARS, AND INSTRUCTION IN THE FIELD OF SECURITIES, INVESTMENT AND FINANCE, FINANCIAL PLANNING, WEALTH MANAGEMENT, AND INSURANCE VIA TELEPHONE AND INTERNET