36 Providing financial advice and information in the fields of student loans, debt reduction, budget planning, personal finance, savings and investment; financial investment and advisory services, namely, the creation of personalized strategies to reduce debt and achieve financial independence; providing financial services with respect to securities and other financial instruments and products, namely, trading of and investments in securities and financial instruments and products for others; investment advisory services; debt counseling services; credit counseling services; cash management services; financial planning services; student loan refinancing; administration of employee benefit plans concerning student loans, debt reduction, budget planning, personal finance, savings and investment