funds management services; financial, investment and insurance services; financial planning; financial advice; financial consulting and advice; insurance consulting and advisory services; consultancy relating to financial planning; consultancy relating to personal finance; credit consultancy; private equity financing; credit and loan services; mortgage lending services; lending and loans services; superannuation [pension program] and retirement fund management services; financial retirement plan consulting services; advice on finance for retirement; financial planning for retirement; retirement funding advice; financial management of retirement funds; financial management of retirement accounts; advisory services relating to retirement investment