just A B C D is fine

Analyze the following scenarios involving Melissa and Claudio, both CFP professionals. Which individual would be considered to be providing financial advice? I. Melissa offers specific recommendations to Jeremy, her client, about the impact of the curren market conditions on his investment portfolio and provides a customized list of actions toward achieving financial wellness. II. Claudio provides a quarterly newsletter to all individuals on his firm's marketing list with general market observations and a list of steps toward financial wellness. He also holds semiannual seminars providing general financial information to prospective clients. Neither I nor II I only Both I and II only