KARAFFA, JOHN

OVERACHIEVING IS AN UNDERSTATEMENT

[ Administration of employee benefit plans concerning insurance and finance; Advice relating to investments; Advisory services relating to credit and debit control, investment, grants and financing of loans; Annuity services, namely, account and investment administration; Brokerage services for capital investments; Financial and investment services, namely, management and brokerage in the fields of stocks, bonds, options, commodities, futures and other securities, and the investment of funds of others; ] Financial consulting services, namely, expert analysis in finance [ ; Financial investment brokerage; Financial planning and investment advisory services; Financial services, namely, a total portfolio offering for high net worth clients consisting of both separate accounts and mutual funds for equity and fixed income investments; Financial services, namely, coordination, within a single account, of an investment portfolio's maintenance, trading, rebalancing, and tax management needs; Individual retirement account services ];