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

                                               
                                                   Investment Counseling Service                              

                         
The Investment Counseling Service is designed for clients who do not wish to give up control over their
investments but who believe they need help making investment and financial planning decisions. Your advisor
will work with you to develop a long term investment strategy designed to help reach your goals and will help you
execute and maintain that strategy over the years. You retain complete control over your investments; make the
final decision regarding advisor recommendations and execute all recommended transactions.

Your advisor will use information gathered from a series of questionnaires to develop an asset allocation which
is tailored to your specific needs. The advisor will determine a realistic rate of return required to help you reach
your goals over your holding period and determine how much of your portfolio should be invested in stocks,
bonds and money market securities while considering your risk profile. The asset allocation decision is the most
important contributor to long term investment return and can only be based on your personal requirements.

Our portfolio management process is described in philosophy section of this site.

Your strategy will be presented to you in the form of a written investment policy statement (IPS) which outlines
the parameters within which your account will be managed. It will include a discussion of your goals, risk profile,
holding period and return requirements as well as the types of investment categories that are appropriate for
inclusion in your portfolio. The conditions under which changes can be made are discussed as well as the risks
relating to the strategy. Once you have approved the strategy your advisor will work with you to implement and
maintain the strategy.

The Investment Counseling Service is targeted toward investors with approximately $250,000 or more of
investment assets. While MAS does not have an account minimum the fee structure is such that investors with
smaller accounts may be better served by one of the Investment Planning Services. If you are close, check with
us to discuss your options.                                                       
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
Copyright © 2009 Thomas J. Costantini, Monserrat Advisory Services, LLC,  All Rights Reserved.