5. The method of claim 1 , wherein the first party providing the advertisement includes providing a reference to be selected by the user to initiate a connection to the advisor.
5. The method of claim 1 , wherein the first party providing the advertisement includes providing a reference to be selected by the user to initiate a connection to the advisor. 6. The method of claim 5 , wherein the reference includes a hyper-link to be selected by the user to initiate a connection to the advisor.