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I'm still not 100% sure what the service you're offering is. Are you a financial adviser? Or do you strictly offer a referral service?
Honestly, I'm not sure I can do too much to help you here, but I figured I'd chime in anyway to point out that as far as I've been able to determine the Next Big Thing in advertising is blogs. The advantage to them is that it's a huge potential audience and there's virtually no overhead involved in setting one up. Either write it yourself or hire someone to do it for you, advertise it on a few sites to get some traffic going and try draw in your target audience and there you go. So long as it's well-written and provides good information on the subject at hand it ought to be a good way to get a few more customers.
You could also look at things like Facebook an Myspace; you can create groups there, which may be a way to get the word out. The advantage to these services (if they're viable, of course) is that they come with a built-in referral/advertising service in the form of the friends system. It would require a careful perusal of the ToS, however, to see if they allow that sort of thing, and it tends to be a younger demographic than you may be looking for. Still, it's a possible option.
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I wake up in the morning more tired than before I slept
I get through cryin' and I'm sadder than before I wept
I get through thinkin' now, and the thoughts have left my head
I get through speakin' and I can't remember, not a word that I said
- Ben Harper, Show Me A Little Shame
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