| 9 Lowell Street, Beverly, Massachusetts, 0915-3652 - Phone 978.922.9961 - Fax 978.922-9961 Conflict Free Financial Planning, Investment Counseling & Financial Education |
 |
Asset Allocation
Category
Diversification
Security
Diversification
Time Based
Diversification
Diversification
Security
Diversification
Time Based
Diversification
| 9 Lowell Street, Beverly, Massachusetts, 0915-3652 - Phone 978.922.9961 - Fax 978.922-9961 Conflict Free Financial Planning, Investment Counseling & Financial Education |
 |
Asset Allocation
Category
Diversification
Security
Diversification
Time Based
Diversification
Diversification
Security
Diversification
Time Based
Diversification
 |
| Investment Planning Services Financial Education |
| Services |
Accumulation Planning Service
This service is targeted to people who are several years from retirement and has been created to help you
answer some basic questions relating to your retirement. It will provide you with a strategy designed to help you
realize an appropriate standard of living in your retirement years. The service will provide you with the answers
to the following five questions.
1. How much income will I need in my first year of retirement to maintain my desired standard of living?
2. How much money should I have accumulated by the time I retire to generate that annual income?
3. How much should I save each month or year to reach my goal?
4. What rate of return do I need to earn on my investments to reach my goal?
5. What types of investments should I choose to earn a return that will allow me to reach my goal?
Your advisor will develop retirement income projections to estimate how much income you will be able to
generate from your retirement investments given your current rate of savings and a realistic rate of return. The
advisor will also identify the rate of savings which will allow you to equalize your cost of living between your
working years and retirement years.
Our portfolio management process is described in the philosophy section of this site. You will be presented with
a long term investment strategy in the form of a written Investment Policy Statement (IPS) which includes an
asset allocation, a sub-asset allocation amongst the various categories of stocks and bonds and specific
investment recommendations. It will also include recommendations for future savings.
Accumulation Planning Service Distribution Planning Service
General Investment Strategy Service
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| 9 Lowell Street, Beverly, Massachusetts, 01915-3652 - Phone 978.922.9961 - Fax 978.922.9961 Conflict Free Financial Planning, Investment Counseling & Financial Education |
| Copyright © 2009 Thomas J. Costantini, Monserrat Advisory Services, LLC, All Rights Reserved. |
| Adam Smith |
| David Ricardo |