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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 |
| About MAS |
Method of Operation
We do not take custody of client securities; execute transactions, issue transaction confirmations or issue brokerage statements. Client
securities are held by a third party financial institution which executes recommended transactions, issues confirmations and brokerage
statements. This arrangement separates the advice the client receives from the firm which receives the fees from the purchase of
investment products. The advisor has no incentive to recommend products unless they believe the product will help increase the value of
the clients account or lower risk. The financial firm which holds client securities and receives the fees from recommended products has no
influence over the recommendations the advisor gives to clients. The client’s interests are protected.
We do not require the client to give us control over their account. For clients of our Investment Counseling Service we develop long term
investment strategies and make recommendations to clients. The client makes the final decisions and directs their financial institution to
execute the transaction. The client’s interests are protected.
We use broadly diversified, low-cost index funds to limit risk and control costs. Index funds allow our clients to achieve broad based global
diversification at minimal costs while earning returns which will beat a majority of professionally managed portfolios over the long term. All
client portfolios are customized based on their personal needs.
Our fees are structured to give even smaller investors access to high quality conflict free financial advice for the price a do-it-yourself
investor would pay to invest in no-load mutual funds. See the Fee section of this site for more on fees.
About Thomas J. Costantini, CFP® Duty to Clients Method of Operation
| Copyright © 2009 Thomas J. Costantini, Monserrat Advisory Services, LLC, All Rights Reserved. |