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| 9 Lowell Street, Beverly, Massachusetts, 0915-3652 - Phone 978.922.9961 - Fax 978.922-9961 Conflict Free Financial Planning, Investment Counseling & Financial Education |
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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 Adam Smith David Ricardo |
Duty to Clients
The standard of care owed to clients of commission based advisors is quite different from that owed to clients of fee-only advisors.
Commission based advisors are held to the suitability standard. This means that any investment product recommended to clients must be
“suitable” for that client given their personal situation. This does not necessarily mean it must be the most suitable product. Fee-only
advisors are held to the higher standard of a fiduciary. A fiduciary must at all times place the interests of the client ahead of their own and
must disclose any real or potential conflicts of interest.
Montserrat Advisory Services is held to the standard of a fiduciary. Our fee-only compensation structure aligns our incentives with the
interests of our clients. As a result you can rest assured that your advisors interests are aligned with your own.
About Thomas J. Costantini, CFP® Duty to Clients Method of Operation
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| Copyright © 2009 Thomas J. Costantini, Monserrat Advisory Services, LLC, All Rights Reserved. |