financial services, namely, banking, financial planning services, and financial portfolio management, namely, administering personal and employee benefit trusts, administering banking accounts, administering insurance policies, annuities and investment accounts on behalf of trusts, advising trustees with respect to the structuring of trusts and the suitability and effectiveness of financial instruments, providing depository products to hold and invest assets held in trust, providing advice with respect to the purchase and sale of securities and retail investments, investing securities on behalf of clients, extending credit, underwriting, distributing and administering various forms of life, health and dental insurance, consultation and appraisal of insurance products