What do these financial planning terms mean?

Select the term associated with the personal financial planning process, techniques, and environment that corresponds to each of the given descriptions. $($Note: These are not necessarily complete definitions, but there is only one possible answer for each description.$)$

Description

This general term describes a professional who provides financial evaluations and advice and who receives compensation in the form of commissions, fees, or some combination thereof.

This percentage is calculated by dividing an individual's average spending on current needs and wants by his or her current income. It reflects the portion of the income that is spent, rather than saved

This economic term refers to the benefits, in usefulness and$/$or increased status, that consumption spending brings.

This refers to the irregularly occurring pattern of economic activity, which is generally depicted as an undulating wave of expansions and contractions.