Financial consultancy, evaluation, information and management services including retirement planning, wealth creation services and general financial advice in relation to all types of financial products, investments and services including trusts, deposits, shares, equities, securities, bonds, debt instruments, pensions, asset management, annuities and portfolio investments; financial services including funds management services and services for employers and employees; superannuation services including financial management of superannuation funds; insurance services, including life insurance, property insurance, health and medical insurance and general insurance; banking services; including all of the aforesaid services by electronic or telephonic means