OUR MISSION STATEMENT
Managing family wealth while exercising caution and wisdom for the sake of improving our clients lives
Managing family wealth while exercising caution and wisdom for the sake of improving our clients lives
The world moves at a fast pace, with a lot of noise to distract people from making sound financial decisions. We believe that like using a GPS on any long trip, people need a guide to get them to their financial destinations while managing the detours and potholes along the way.
We are that trusted GPS for our clients, helping to point our clients in the direction to meet their goals, while adding the security of having a guide working with them by their side. We will be with you through all stages of your personal journey.
As a financial advisor, Mike takes pride in building long lasting relationships with his clients. In building the relationship and finding out his client's true aspirations, together they can figure out the path to help achieve their financial goals and personal dreams.
Mike began his career with Smith Barney in Syracuse in 2006, where he developed his fundamental knowledge of the business with hands-on experience, while studying and obtaining his Series 7 and 65 licenses. He joined the Costantino Group in 2009 with his father, Fred Sr., to take a team approach to provide personalized financial advice for individuals and families.
Mike is an Endwell native but attended the School of Management at Syracuse University where he went on to obtain his bachelor’s degree. Since moving back into the area, he has found a drive and passion to continue to educate and advance his knowledge. He currently holds a CRPS®, Chartered Retirement Plans Specialist, designation through The College of Financial Planning.
Away from the office, Mike spends his free time staying active. He is very engaged in the community and believes in making the Binghamton area the best it can be. He tries to help the community through his membership in Rotary. Another organization he has been working closely with since 2012, is the Magic Paintbrush Project, which is not for profit which provides unique programs for individuals of all ages with developmental disabilities. Mike also enjoys all types of sports including golf, tennis, basketball and now spends a lot of time doing crossfit. He recently completed his first half marathon and a Spartan Race. If not participating in sports, Mike can be found watching sports. Most of all, he enjoys going up to see his Syracuse Orangemen play basketball, but also spends a lot of time supporting the local teams such as the Rumble Ponies and Senators. Besides sports, Mike likes to do a good amount of traveling. One of his current endeavors is to visit every Major League Baseball stadium.
Securities Agent: AZ, CA, CO, CT, DC, FL, GA, MA, MD, ME, MT, NC, NJ, NV, NY, OH, PA, SC, TN, TX, VA, VT; General Securities Representative; Investment Advisor Representative
For nearly three decades, Fred has helped clients address their financial concerns and develop sound strategies by focusing on each individual’s specific needs. With extensive experience throughout major shifts in the markets, Fred dedicated his career to delivering the personalized investment planning services his clients deserve.
Fred began his career as a Financial Advisor with Carillon Investment in Endicott, New York, where he developed his fundamental investment knowledge and Life Insurance planning. He became the branch manager and owner of The Costantino Group of Raymond James Financial Services. Fred’s focus along with his team is to provide personalized financial advice, with a concentration on planning, for families and businesses. In 1992, Fred, earned the CFP® certification by completing an approved educational program, passing a rigorous examination and meeting stringent experience requirements. Fred is also an Accredited Asset Management Specialist with the Institute for Wealth Management.
Fred’s passion for learning doesn’t end there. Fred learned to love music and has become an excellent blues guitar player. While earning his bachelor’s degree at New York Institute of Technology, he and a few friends started a rock band, which became very popular on the north shore of Long Island. After college, he married Mary and settled in Bayville, New York. They have three children and five grandchildren.
Away from the office, Fred spends his free time with his wife, Mary. They are both very active in their church. They like to stay active both physically and mentally, whether it’s playing tennis together at the park in their neighborhood or taking regular trips to see their grandchildren. Fred especially enjoys playing his guitars, fishing and building model rockets, and the beach vacations in Florida and Maine.
Securities Agent: AZ, CA, CO, CT, DC, FL, GA, MA, MD, ME, MT, NC, NJ, NV, NY, OH, PA, SC, TN, VA, VT; General Securities Representative; Investment Advisor Representative
Lisa graduated from high school in 1982 and then business school in 1985.
She began her career in 1985 as a Sales Assistant with E.F. Hutton in Binghamton, NY where she developed her fundamental administrative investment knowledge. In 2000, Lisa earned the title of Senior Registered Associate by completing an approved education program and passing a rigorous examination. She then was brought on by The Costantino Group in 2010 to provide personalized administrative services to individuals and families.
For over three decades, Lisa has helped clients address their administrative concerns and focused on each individuals need. With extensive experience throughout the industry, Lisa has dedicated her career to getting to know each client personally and deliver the services the clients deserve.
Away from the office Lisa spends her free time with her fiancé’ Al. Al is a Special Education Teacher at a local school district. Her daughter Laura recently moved to Fort Myers, Florida and is a Certified Dental Assistant. Lisa also has two step daughters, Michaela and Stephanie. Michaela, is a Pharmaceutical Recruiter in Rochester, NY and Stephanie, is an Engineer in Endicott, NY. Lisa loves reading, working in her flower garden and hiking. She also enjoys spending weekends cooking in the kitchen.
Working closely with you to guide your wealth and investments through the most challenging market cycles.
Creating customized financial strategies for the challenges that today's families face.
Working with you to understand your life goals and develop a truly personalized wealth strategy. Today and for the years to come.
Partnering with you on key aspects of your business such as ownership, liquidity and developing opportunities.
Making sure your philanthropic dollars are managed with the same best-in-class service as the rest of your wealth.
This unique program offers qualifying clients a compelling collection of special offers and discounts, Morgan Stanley insights, and philanthropic ideas.
Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
This information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link: http://www.morganstanley.com/disclaimers/mssbemail.html. Any profiles and associated content are for U.S. residents only
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.
The securities/instruments, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website do not necessarily reflect those of Morgan Stanley.
Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management AnalystSM (with graph element)®, and Certified Investment Management AnalystSM .
*Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC
* Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
CRC 1369093 12/15