9 Lowell Street, Beverly, Massachusetts, 0915-3652 - Phone 978.922.9961 - Fax 978.922-9961
Conflict Free Financial Planning, Investment Counseling & Financial Education
Services

                                              General Investment Strategy Service
        
The advisor will develop a strategy designed to help clients achieve non-retirement investment goals. The
advisor will consider the amount of money the client must accumulate, the amount of current savings they have
allocated toward that goal, the holding period and the clients feelings about risk and will develop an investment
strategy designed accumulate the desired sum. The strategy will include a target investment return and
recommendations for annual savings.

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.


                    Accumulation Planning Service                    Distribution Planning Service  

                                            
                                                       General Investment Strategy Service
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