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
Investment
Planning Services


Financial Education
Services

                                                Investment Planning Services

These services have been designed for smaller investors who need help in making investment and financial
planning decisions and prefer to work with a fee-only advisor rather than a commission based advisors because
of the conflict of interest that exists when an advisor is only paid when they sell you a product. The fees are
structured to be competitive for accounts with as little as $25,000.
                                        

 Accumulation Planning Service                             Distribution Planning Service  

Designed for investors who are several years                 Designed for investors who are close to
from retirement and wish to accumulate an                      retirement or are already retired and seek
adequate amount of savings to fund a                             to develop a strategy which generates
comfortable retirement.                                                    annual income distributions which they
                                                                                     cannot outlive.

                                                 
                                                General Investment Strategy

                              Designed for investors wishing to fund non-retirement goals.
 
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.