Document:

EXHIBIT 10.6

                         NON-COMPETITION, NON-DISCLOSURE
                                       AND
                           NON-SOLICITATION AGREEMENT

         THIS NON-COMPETITION, NON-DISCLOSURE AND NON-SOLICITATION AGREEMENT
("Agreement"), dated this 2nd day of August 2005 (the "Effective Date"), by and
between John Ermilio ("Ermilio") and National Investment Managers Inc., a
Florida corporation (the "Purchaser").

                                    RECITALS

      A. Pursuant to that certain Stock Purchase Agreement, dated August 2,
2005, by and among Haddon Strategic Alliances, Inc., John Ermilio and the
Purchaser (collectively, the "Purchase Agreement"), the Purchaser is acquiring
100% of the Companies' issued and outstanding common stock, including Ermilio's
controlling interest therein. Capitalized terms not otherwise defined herein
shall have the meanings ascribed to such terms in the Purchase Agreement.

      B. Ermilio has been a principal shareholder of the Company for many years
and has developed and received special, unique and extraordinary knowledge,
information and goodwill in connection therewith.

      C. It is a condition precedent to the consummation of the transactions
contemplated by the Purchase Agreement, and an inducement to the Purchaser to
enter into the Purchase Agreement and effect the purchase of the Company and its
businesses thereunder and the goodwill represented thereby, that the parties
hereto execute and deliver this Agreement.

      D. Capitalized terms used in this Agreement and not otherwise defined
shall have the meanings assigned to them in the Purchase Agreements.

      NOW, THEREFORE, in consideration of the foregoing premises and for other
good and valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties hereto agree as follows:

1 Non-Competition; Non-Solicitation. Commencing on the date hereof and ending on
the last day of the Restricted Period (as defined below), Ermilio covenants and
agrees that he will not, without the Purchaser's prior written consent, directly
or indirectly, either on behalf of himself or on behalf of any business venture,
as an employee, consultant, partner, principal, stockholder, officer, director,
trustee, agent, or otherwise (other than on behalf of the Purchaser or its
Affiliates):

      (A) be employed by, engage or participate in the ownership, management,
operation or control of, or act in any advisory, expert, consulting or other
capacity for, any entity or individual that competes with the Purchaser or its
Affiliates in the areas of pension administration, insurance product sales,
investment advisory services and other retirement products, in the following

<PAGE>

territory: in Pennsylvania - the counties of Bucks, Chester, Delaware,
Montgomery and Philadelphia; and in New Jersey - the counties of Burlington,
Camden, Cumberland, Gloucester, Mercer and Salem;

      (B) solicit or divert any business or any customer from the Purchaser or
its Affiliates or assist any person, firm, corporation or other entity in doing
so or attempting to do so;

      (C) cause or seek to cause any person, firm or corporation to refrain from
dealing or doing business with the Purchaser or its Affiliates or assist any
person, firm, corporation or other entity in doing so; or

      (D) hire, solicit or divert from the Purchaser or its Affiliates any of
their respective employees, consultants or agents who have, at any time during
the immediately preceding one (1) year period from the date hereof or the
Restricted Period, been engaged by the Purchaser or its Affiliates, nor assist
any person, firm, corporation or other entity in doing so.

      As used in this Agreement, the term "Affiliates" shall mean any entity
controlling, controlled by or under the common control of the Purchaser. For the
purpose of this Agreement, "control" shall mean the direct or indirect ownership
of fifty (50%) percent or more of the outstanding shares or other voting rights
of an entity or possession, directly or indirectly, of the power to direct or
cause the direction of management and policies of an entity.

      As used in this Agreement, "Restricted Period" means the period commencing
on the date hereof and ending as follows: If the Purchaser or SHRA does not
offer Ermilio an extension ("Extension") of his employment agreement, of even
date herewith, with SHRA beyond the expiration date of the original one-year
term ("Expiration Date"), then the Restricted Period shall be one (1) year from
the date hereof. If the Purchaser or SHRA offers Ermilio an Extension, then the
Restricted Period shall extend until the later of (i) two (2) years from the
date hereof and (ii) one (1) year from the date of his termination of employment
with the SHRA, or any Affiliate of SHRA, for any reason.

2 Nondisclosure. Ermilio understands and agrees that the business of the
Purchaser and its Affiliates is based upon specialized work and Confidential
Information (as hereinafter defined). Ermilio agrees that during the Restricted
Period, he shall keep secret all such Confidential Information and that he will
not, directly or indirectly, use for his own benefit or for the benefit of
others nor Disclose (as hereinafter defined), without the prior written consent
of the Purchaser, any Confidential Information. At any time upon the Purchaser's
request, Ermilio shall turn over to the Purchaser all books, notes, memoranda,
manuals, notebooks, records and other documents made, compiled by, delivered to,
or in the possession or control of Ermilio containing or concerning any
Confidential Information, including all copies thereof, in any form or format,
including any computer hard disks, wherever located, containing any such
information, it being agreed that the same and all information contained therein
are at all times the exclusive property of the Purchaser and its Affiliates.

      As used in this Agreement, the term "Confidential Information" means any
information or compilation of information not generally known to the public or
the industry, that is proprietary or confidential to the Purchaser, its

                                       2
<PAGE>

Affiliates and/or those doing business with the Purchaser and/or its Affiliates,
including but not limited to know-how, process, techniques, methods, plans,
specifications, trade secrets, patents, copyrights, supplier lists, customer
lists, mailing lists, financial information, business plans and/or policies,
methods of operation, sales and marketing plans and any other information
acquired or developed by Ermilio in the course of his past, present and future
dealings with the Purchaser and its Affiliates, which is not readily available
to the public.

       "Confidential Information" does not include any information, datum or
fact: (a) currently available to the public as of the date hereof; (b) after it
becomes available to the public other than as a result of a breach hereof or
other wrongful conduct by Executive; (c) after it becomes available to Executive
on a nonconfidential basis from a source other than the Company or its
Affiliates or a person or entity breaching his or its confidentiality agreement
or other relationship of confidence with the Company or its Affiliates; or (d)
developed independently by Executive without any reference to or use whatsoever
of any Confidential Information of the Company or its Affiliates.

      As used in this Agreement, the term "Disclose" means to reveal, deliver,
divulge, disclose, publish, copy, communicate, show, allow or permit access to,
or otherwise make known or available to any third party, any of the Confidential
Information.

3 Blue Pencil Doctrine. In the event that the restrictive covenants contained in
Section 1 and/or Section 2 of this Agreement shall be found by a court of
competent jurisdiction to be unreasonable by reason of such restrictive
covenants extending for too great a period of time or over too great a
geographic area or by reason of such restrictive covenants being too extensive
in any other respect, then such restrictive covenant shall be deemed modified to
the minimum extent necessary to make such restrictive covenant reasonable and
enforceable under the circumstances.

4 Injunctive Relief. If Ermilio shall breach or threaten to breach any of the
provisions of Section 1 and/or Section 2, in addition to and without limiting
any other remedies available to the Purchaser at law or in equity, the Purchaser
shall be entitled to seek immediate injunctive relief in any court to restrain
any such breach or threatened breach and to enforce the provisions of Section 1
and/or Section 2, as the case may be. Ermilio acknowledges and agrees that there
is no adequate remedy at law for any such breach or threatened breach and, in
the event that any proceeding is brought seeking injunctive relief, Ermilio
shall not use as a defense thereto that there is an adequate remedy at law.

5 Reasonableness of Covenants. Ermilio acknowledges and agrees that the
restrictive covenants contained in this Agreement are a necessary inducement to
Purchaser purchasing Ermilio's ownership interests in the Companies, and that
the scope (geographic and otherwise) and period of duration of the restrictive
covenants contained in this Agreement are both fair and reasonable and that the
interests sought to be protected by the Purchaser are legitimate business
interests entitled to be protected. Ermilio further acknowledges and agrees that
the Purchaser would not have purchased Ermilio's ownership interests in the
Companies pursuant to the Purchase Agreement unless Ermilio entered into this
Agreement.

                                       3
<PAGE>

6     General Provisions.

      (A) Entire Agreement. This Agreement, together with the Purchase
Agreements and any other agreements contemplated thereby, contain the entire
agreement of the parties hereto with respect to the subject matter hereof, and
supersede all prior or contemporaneous agreements and understandings, oral or
written, among the parties hereto and thereto with respect to the subject matter
hereof and thereof.

      (B) Amendment; Waiver. No amendment or waiver of any provision of this
Agreement shall be effective unless the same shall be in writing and signed by
all of the parties and then such waiver shall only be effective in the specific
instance and for the specific purpose for which it was given.

      (C) Notices. All notices and other communications under this Agreement
shall be in writing and shall be given in accordance with the notice provisions
of the Purchase Agreements.

      (D) Assignment. This Agreement shall be binding upon and inure to the
benefit of the parties hereto and their respective heirs, personal
representative(s), successors and permitted assigns. This Agreement may be
assigned to, and thereupon shall inure to the benefit of, any organization which
succeeds to substantially all of the business or assets of the Purchaser,
whether by means of merger, consolidation, acquisition of all or substantially
all of the assets of the Purchaser or otherwise, including, without limitation,
by operation of law.

      (E) Governing Law. This Agreement shall be governed by and construed in
accordance with the laws of the State of New York applicable to agreements made
and to be performed in that state, without regard to any of its principles of
conflicts of laws or other laws that would result in the application of the laws
of another jurisdiction. This Agreement shall be construed and interpreted
without regard to any presumption against the party causing this Agreement to be
drafted. Each of the parties hereby unconditionally and irrevocably waives the
right to a trial by jury in any action, suit or proceeding arising out of or
relating to this Agreement or the transactions contemplated hereby. Each of the
parties unconditionally and irrevocably consents to the exclusive jurisdiction
of the courts of the State of New York located in the County of New York and the
Federal district court for the Southern District of New York located in the
County of New York with respect to any suit, action or proceeding arising out of
or relating to this Agreement or the transactions contemplated hereby, and each
of the parties hereby unconditionally and irrevocably waives any objection to
venue in any such court.

      (F) Recovery of Attorneys' Fees and Costs. If any action for breach of or
to enforce the provisions of this Agreement is commenced, the court in such
action shall award to the party in whose favor a judgment is entered, a
reasonable sum as attorneys' fees and costs. Such attorneys' fees and costs
shall be paid by the non-prevailing party in such action.

      (G) Headings. The headings to the paragraphs of this Agreement are
intended for the convenience of the parties only and shall in no way be held to
explain, modify, amplify or aid in the interpretation of the provisions hereof.

                                       4
<PAGE>

      (H) Severability. The provisions of this Agreement shall be deemed
severable and if any portion hereof shall be held invalid, illegal or
unenforceable for any reason by a court of competent jurisdiction, the remainder
shall not thereby be invalidated but shall remain in full force and effect.

      (I) Counterparts. This Agreement may be executed in counterparts, each of
which shall be deemed an original but all of which together shall constitute one
and the same agreement.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                       5
<PAGE>

      IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
the date first set forth above.

                                    NATIONAL INVESTMENT MANAGERS INC.

                                    By: __________________________
                                    Name:
                                    Title:

                                    -------------------------------
                                    JOHN ERMILIO

                                [SIGNATURE PAGE -
                       NON-COMPETITION, NON-DISCLOSURE AND
                        NON-SOLICITATION AGREEMENT - JE]

                                       6Unassociated Document

    

      EXHIBIT
        10.1

      
 

      

      December
        8, 2004

       

      

      Mr.
        Carl
        A. Arena

      2268
        N.
        Wisteria Lane

      Orange,
        CA 92867

      (714)
        283-2607

      

      Dear
        Carl:

      

      I
        am
        pleased to confirm our offer of employment made to you for the position of
        Vice
        President, Development for Rubio’s Restaurants, Inc. (Rubio’s) reporting
        directly to me under the terms and conditions outlined below:

      

      Start
        Date:
        To be
        mutually agreed upon, and as soon as feasible. 

      

      Base
        Salary:
        An
        annual rate of $160,000 paid biweekly at a rate of $6,153.85 and subject
        to
        withholdings and deductions as required by law. Your salary will be reviewed
        annually and may be adjusted based on such review. You will be eligible for
        review with merit increase consideration, beginning with the 2006 review
        cycle.

      

      Bonus
        Plan:
        For the
        current Fiscal year, you will be eligible to participate in the Executive
        Level
        Bonus Plan at a rate of up to 25% of your prorated base salary. In addition,
        you
        will be eligible for a prorated portion of the 2004 “above plan” pool for
        exceeding EPS targets, as described in the plan document. The bonus plan
        will be
        adjusted if changes are made to GAAP or accounting principles permitted by
        SEC
        rules. Bonuses are paid post completion of the audited annual financial results,
        typically following the first quarter of the following year. Bonus is paid
        out
        based on the Company’s successfully meeting/exceeding annual EPS
        plan.

       

      Annual
        bonus plans will be developed for subsequent years and ultimately approved
        by
        the Compensation Committee within a reasonable period of time prior to the
        beginning of the following fiscal year.

      

      You
        may
        also participate in other bonus or incentive plans adopted by Rubio’s that are
        applicable to your position. 

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
            Carl
              Arena

            12/8/2004

            Page
              2
of
              5 

          

        

      

      

      Stock
        Options:
        Stock
        Options for 75,000 shares of Rubio’s Restaurants, Inc. common stock, pursuant
        and subject to Rubio’s 1999 Stock Incentive Plan, will be granted to you on your
        Start Date at the day’s closing market price. They will vest at 20% at the end
        of the first year and each month thereafter for 48 months on a pro-rata basis.
        You will also be eligible for any discretionary annual option grants and
        incentive option grants which may become available in the future. 

      

      Vacation:
        15 days
        per year accrued pro-rata on a monthly basis.

      

      Health
        Plans:
        You
        will be eligible to participate in Rubio’s medical (including Exec-U-Care),
        dental, employee assistance program (EAP), vision, short and long term
        disability, and life insurance programs (executive level term life insurance
        is
        two times annual salary) effective the first day of the month following two
        consecutive months of service. You will be reimbursed for any COBRA premiums
        incurred during this waiting period. Executives contribute approximately
        10% of
        premium costs. Monthly medical contributions are between $60.00 (HMO) and
        $125.00 (PPO) for family coverage. The Company offers an executive health
        expense reimbursement program with a $5,000 cap and a Flexible Spending Account
        for tax deferred contributions for medical and childcare expenses. 

      

      Professional
        Reimbursements:
        You will
        be reimbursed for reasonable expenses necessarily incurred in the performance
        of
        your duties, including, but not limited to, cell phone service, long distance
        telephone service, facsimile and duplication services, overnight and courier
        services, travel expenses, expenses related to attendance at industry
        conferences and membership in industry associations. 

      

      401(k)
        Plan:
        You
        will be eligible to participate in Rubio’s 401(k) Plan effective the first day
        of the month following two consecutive months of service. (Although our 401(k)
        plan allows for up to 15% of compensation as an employee’s contribution, you
        should be aware that our most recent discrimination testing has limited actual
        contributions for highly paid executives to approximately 1%.). 

      

      Meal
        Discount:
        You and
        your family will be eligible for a meal discount of 50% at Rubio’s Restaurants.

      

      Relocation
        of Household Goods:
        You
        will be relocating to the San Diego area by a mutually agreed upon time.
        You
        will be reimbursed for all applicable moving expenses up to $50,000 which
        is
        expected to cover all reasonable relocation costs for you and your family
        (i.e.,
        home sale, home purchase, temporary housing, movement of household goods,
        etc.).
        Amounts above the allowable IRS reimbursements for relocation will be grossed-up
        for taxes at the applicable state and federal tax rates. You will need to
        submit
        relocation expense receipts to Rubio’s Controller who will work with you to
        mitigate the tax impact for both you and the Company.

      

      Re-payment
        of Relocation Expenses:
        Should
        you resign from your position on a voluntary basis within the first twelve
        (12)
        months of employment you agree to reimburse Rubio’s for 100% of your submitted
        relocation expenses. Should you resign after twelve (12) months, you agree
        to
        reimburse Rubio’s on a pro-rata basis whereby your relocation expense debt would
        be reduced by 1/12 for each of the next twelve (12) months you remain employed
        with Rubio’s. After twenty-four (24) months of consecutive employment no
        repayment of relocation expense would be required. 

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
            Carl
              Arena

            12/8/2004

            Page 3
              of
              5 

          

        

      

       

      Severance
        Benefits:
        While
        Rubio’s does not have a formal severance policy, we are offering the following:
        If your employment is terminated, without Cause or upon Disability, as defined
        below, you will be paid, subject to signing our standard release agreement,
        six
        (6) months of current salary if separation is within the first twelve (12)
        months of employment and three (3) months of current salary thereafter. All
        severance payments will be made in bi-weekly installments and subject to
        all
        appropriate deductions and withholdings. In addition, you will have continued
        enrollment in the health and welfare plans (with the exception of the 401(k)
        plan as precluded by our Plan), including life insurance, for the period
        of
        severance or until your eligibility under another employer’s group benefit plan,
        whichever event occurs first. 

      

      Disability:“Disability”
        means the medical determination that you are eligible for benefits under
        the
        Company’s long term disability insurance plan.

      

      Cause:“Cause”
        means: (a) willful failure by you to substantially perform your duties under
        this agreement, other than a failure resulting from your complete or partial
        incapacity due to physical or mental illness or impairment (b) conviction
        of or
        a plea of “guilty” or “no contest” to, a felony or crime involving an act of
        moral turpitude, dishonesty, or misfeasance under the laws of the United
        States
        or any state thereof; (c) refusal to follow, or material neglect of, reasonable
        requests of the Company’s Board of Directors or its designee(s), if unremedied
        following thirty (30) days’ written notice; (d) conduct that substantially
        interferes with or damages the standing, reputation, financial condition
        or
        prospects of the Company, after you have been given ten (10) days’ notice and an
        opportunity to respond; or (e) a material or willful violation of a federal
        or
        state law or regulation applicable to the business of the Company. If your
        employment is terminated without Cause you shall be paid the Severance Benefits
        described above under Severance Benefits.

      

      At-Will
        Employment: Employment
        with Rubio’s Restaurants, Inc. is not for a specific term and can be terminated
        by you or the Company at any time and for any reason, with or without cause
        or
        advanced notice. The At-Will nature of your employment described in this
        offer
        letter shall constitute the entire agreement between you and Rubio’s concerning
        the nature and duration of your employment and the circumstance under which
        you
        or the Company may terminate the employment relationship. No oral statement
        by
        any person can change the At-Will nature of your employment with
        Rubio’s.

      

      Although
        your job duties, title, and compensation benefits may change over time, the
        At-Will term of your employment with Rubio’s can only be changed in writing,
        signed by you and the President or Chairman of the Company, and which expressly
        states the intention to change the At-Will term of your employment. Any prior
        representations to the contrary are superseded by the terms of this offer.
        

      

      Confidentiality
        and Non-Solicitation:
        One of
        the conditions of your employment with Rubio’s is the maintenance of the
        confidentiality of Rubio’s proprietary and confidential information. You agree
        during and after the period of your employment with Rubio’s not to use, directly
        or indirectly, any confidential information other than in the course of
        performing duties as an employee of Rubio’s. You further agree that during your
        term of employment and for two (2) years thereafter, not to encourage or
        solicit, directly or indirectly, any employee of Rubio’s to leave the Company
        for any reason. You will be required to execute the Company’s Proprietary
        Information and Inventions Agreement on your first day of employment.

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
            Carl
              Arena

            12/8/2004

            Page 4
              of
              5 

          

        

      

       

      Company
        Policy:
        As an
        employee of Rubio’s, you will be required to comply with all Company policies
        and procedures. In particular, you will be required to familiarize yourself
        with
        and to comply with Rubio’s policy prohibiting harassment and discrimination and
        the policy concerning drugs and alcohol. Violations of these policies may
        lead
        to immediate termination of employment.

      

      Arbitration:
        Rubio’s
        maintains a policy of mandatory arbitration. This means that any and all
        disputes that you may have with Rubio’s, or any of Rubio’s other employees,
        which arise out of your employment, will be resolved through final and binding
        arbitration. This includes, without limitation, disputes relating to offer
        letters, your employment by Rubio’s or the termination thereof, claims for
        breach of contract, claims for breach of covenant of good faith and fair
        dealing, any claims of discrimination or harassment, any claims under any
        federal, state or local law or regulation now in existence or hereinafter
        enacted and amended from time to time concerning in any way the subject of
        your
        employment with Rubio’s or your termination. You agree that arbitration shall be
        instead of any civil lawsuit and you waive your right to pursue any and all
        employment-related claims in court.

      

      This
        letter supersedes any prior agreements, representations or promises of any
        kind,
        express or implied, concerning your employment and it constitutes the full
        and
        complete agreement between you and the Company.

      

      The
        foregoing offer of employment with Rubio’s is contingent upon your successful
        completion of a background and reference checks, pre-employment drug and
        alcohol
        screen, your execution of this letter, the Company’s Proprietary Information and
        Inventions Agreement, the Company’s Arbitration Agreement and all other forms
        presented at the time of hire. This offer is further contingent upon the
        Company’s verification of the information provided to us in your application
        form, resume and attachments, if any.

      

      The
        existence and terms of this offer letter should remain confidential except
        for
        disclosure to your spouse, attorneys, accountants and other tax or financial
        professional advisors to whom the disclosure is necessary.

      

      Carl,
        we
        are very excited about your joining our team. We are confident that you have
        much to contribute to the success of Rubio’s. The strength of our organization
        and our brand, the quality and experience of our team, and your contributions
        will facilitate this success.

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
            Carl
              Arena

            12/8/2004

            Page 5
              of
              5 

          

        

      

       

      Assuming
        you wish to accept our offer of employment on the terms described herein,
        please
        acknowledge your acceptance by signing below and returning the original to
        me
        within seven (7) business days. A copy of this letter has been enclosed for
        your
        records. If you have any questions, please do not hesitate to contact me
        by
        calling (760) 602-3625.

      

      

      Sincerely,

      

      

      /s/
        Sheri
        Miksa                                          
        
Sheri Miksa

      President
        and Chief Executive Officer

      Rubio’s
        Restaurants, Inc. 

      
 

      

      I
        have
        read, understand and accept the terms and conditions of the above offer of
        employment.

      

      

      

      

      Accepted: /s/
        Carl
        Arena                               
         Date:
        __________________ 

                         
        Carl Arena

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