$O$: Hourly Second Opinion Service GPS: Goal Planning Service Broad-Based
Financical Plan Advanced Portfolio Management Affordable Family Office Service Topic-Specific Financial Planning to suit your needs
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Cash Flow and Debt
Management
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Financial Statement Analysis✦
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Education Planning✦
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Insurance Analysis✦
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Cash Flow Based Retirement Plannning
and Analysis
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Goal-Based Retirement
Planning and Analysis
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Estate Plan Analysis
and Review
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Income Tax Planning
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Risk Tolerance/ Investment Planning✦
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Portfolio Rebalancing✦
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Performance Reporting✦
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Daily Investment Management✦
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Annual Tax Preparation
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Meeting Frequency As requested Minimum of 2 meetings Minimum of 4 meetings Minimum of 2 meetings
per year Unlimited meeting access Ideal Application For clients who
have questions on a variety of topics they need answered or need a second opinion on a major financial decision.
For clients who are not yet retired and would like to see if they are on the right track towards achiev-ing their financial goals. They want to be able to compare scenarios.
For clients who want to remove uncertainty and provide a road-map for all aspects of their financial life. They prefer to do their own portfolio management.
For clients who already have a financial plan and solely prefer to out-source professional construction and day to day management of their portfolio.
For clients who need or prefer professional guidance and advice in their financial life. They would like to have D3 on retainer to assist them in a holistic financial perspective.
Fee $200/Hour One-time fixed price
based on discounted hourly rates
SECOND OPINION SERVICE
For clients that need topic specific financial advice, like retirement planning or investment reviews, we offer hourly appointments. We meet with clients at times convenient for them, and the hourly rate allows clients to manage the cost. Our consultations provide specific recommendations for improving a client’s financial situation that can be implemented immediately.
GPS: GOAL PLANNING SERVICE
For clients who solely want to see if they are on track to meet retirement goals, we offer our Goal Planning Service, or GPS. Like a GPS, this service helps our clients to determine where they are, and what steps they need to take to achieve their financial goals. The plan also includes specific investment
Above: Examples of topics covered by our Second Opinion Service
F I N A N C I A L
P L A N N I N G
S E C O N D O P I N I O N S E R V I C E
Investments
Employee Benefit Analysis
Customized Scenario Analysis
Business Owner Planning recommendations structured to their unique retirement goals. A GPS plan typically requires 15 to 20 hours to prepare.
BROAD-BASED FINANCIAL PLAN
The Broad-Based Financial Plan is designed for clients who would like us to analyze every aspect of their personal finances. We create a personalized financial plan covering a broad range of topics including: tax savings, retirement planning, investments, insurance, college planning and estate planning. The plan includes specific investment recommendations structured to achieve cash flow needs, while consistent with risk tolerances. A Broad-Based Plan typically requires 40 to 50 hours to prepare.
D3 Financial Counselors is
an independent, fee-only,
fiduciary financial consulting
firm. We provide high quality
service and do not accept
commissions. Clients hire us
for our focus on Ethics,
Education and Experience.
™Our planning services
provide clients peace of mind.
Our strategies reduce
financial uncertainty.
Portfolio & Investment Review Asset Allocation Analysis
Investment and Risk Tolerance Alignment Specific Investment Recommendations
Tax Planning Tax Mitigation Strategies Maximize Your After-Tax Wealth
Estate Planning Planning for Wills & Trusts Tax Efficient Wealth Transfer
401k; 403b; 457 Analysis Stock Option & RSU Planning
Project Future Cash Flow & Taxes Home Purchase Analysis Social Security Benefit Analysis
Starting a New Business Employee Benefit Analysis Succession Plannning Retirement Planning
Retirement Cash Flow Projection Determine Retirement Age Pension/Lump Sum Analysis
Insurance Analysis
For clients who are too busy to manage their own portfolios, or don’t have the desire to, D3 Financial Counselors has a team of dedicated CFATM and
CIMA® certified portfolio managers to manage and monitor their portfolio on a daily basis. We utilize a list of thoroughly researched mutual funds and exchange-traded funds, in addition to index funds, with a strategy
consistent with a client’s financial planning goals and risk tolerance. Portfolios are adjusted to anticipate market changes, or when a client’s need changes, and are monitored daily with CFATM compliant
performance reported semi-annually. We offer this service as a percentage of the assets we manage, or on a fixed quarterly retainer basis.
$
We monitor and
evaluate your
investments every
business day.
www.d3financialcounselors.comA D V A N C E D
P O R T F O L I O
M A N A G E M E N T
Above: Examples of performance reports. TWR is unique to each client portfolio.
A ggregate Overview F rom 10/01/2013 to 12/31/2013
P erformanc e His tory (T W R ) Q4 2013 Q3 2013 Q2 2013 Q1 2013
L as t 12 months
L as t 36 months
S inc e Inc eption 07/31/2009
10.45
All Portfolios 6.47 6.00 0.33 6.29 20.35 9.52
3.99
iShares Core Total US Bond Market ETF 0.02 0.56 -2.60 0.06 -1.98 3.08
17.53
iShares Core S&P 500 10.49 5.50 2.75 10.46 32.30 16.08
9.91
IShares MSCI EAFE Idx Fd 6.07 11.34 -0.90 3.73 21.40 8.17
Portfolio value includes accrued income. Period TWR (time weighted returns) greater than one year are annualized. Portfolio returns are net of fees. Inception Date refers to date the assets were brought into this portfolio.Since Inception Index Returns are calculated from the earliest portfolio inception date.
Client, John and Jane
Created on 01/21/2014 page 2 of 4
A ggregate Overview F rom 10/01/2013 to 12/31/2013
P erformanc e by P ortfolio
Ending
Market Value Q4 2013 Year to Date Since Inception
Withdrawals Since Inception Contributions Since Inception
Retirement $ 2,192,431 $ 1,633,840 $ 600,676 6.47 20.35 07/31/2009 10.45
iShares Core Total US Bond Market ETF 0.02 -1.98 3.99
iShares Core S&P 500 10.49 32.30 17.53
IShares MSCI EAFE Idx Fd 6.07 21.40 9.91
$ 2,192,431 $ 1,633,840 $ 600,676 Beginning Market Value
Overview $ 2,177,768 Q4 2013 Y ear to Date $ 1,841,031 Client Contributions $ 47,210 Client Withdrawals -$ 170,000 $ 139,273 -$ 170,000 Realized/Unrealized Gains/Losses $ 105,098 Interest & Dividends Less Expenses Management Fees $ 32,356 $ 0 $ 334,573 $ 47,554 $ 0 $ 2,192,431 Ending Market Value
Change in Accrued Income $ 0 $ 0
$ 2,192,431
Performance 6.47 20.35
Portfolio value includes accrued income. Period TWR (time weighted returns) greater than one year are annualized. Portfolio returns are net of fees. Inception Date refers to date the assets were brought into this portfolio.Since Inception Index Returns are calculated from the earliest portfolio inception date.
Client , John and Jane
For clients who want to outsource their financial needs, we combine our Advanced Portfolio Management service with a full suite of financial planning services. We start with the creation of a complete broad-based financial plan, including specific in-vestments structured to achieve cash flow needs, while consistent with a client’s risk tolerance. We analyze estate and retirement planning needs, as well as insurance needs, and offer specific recommendations.
Each year we prepare our clients’ federal and state tax returns, looking for tax savings strategies to benefit them in the following year. We then use the tax return data to update their financial plan and complete an annual financial plan update. Our knowledge of our clients’ tax situations allows us to manage their portfolio in the most tax efficient manner.
We provide detailed investment performance reporting on a semi-annual basis. We assist with the administrative work to consolidate clients’ accounts, making it easier for clients to manage their wealth. We offer this service as a percentage of the assets we manage, or on a fixed quarterly retainer basis.
JANUARY-FEBRUARY We will update, and discuss with you, the performance of your portfolios to compare the actual rate of return with the target rate of return in your plan. We will recommend changes, if necessary, and collect your tax information.
MARCH-APRIL We prepare tax returns and coordinate reviews with our contracted CPA. We determine if IRA contributions are beneficial and will look for tax saving strategies to implement throughout the year.
MAY-JUNE We will update your financial plan with your new tax in-formation, as well as any changes that you think should be incorporated. We will review the financial implica-tions of the updated plan with you.
JULY-AUGUST We will update, and discuss with you, the performance of your portfolios to compare the actual rate of return with the target rate
of return in your plan. We will review your risk tolerance to ensure that your investments are aligned with your goals. We will recommend changes, if necessary, to rebalance your portfolios to better achieve your goals.
SEPTEMBER-OCTOBER We will analyze your tax situation and imple-ment investimple-ments and/or transactions to maximize your after-tax income. We will review your insurance situation and recommend changes, if necessary, reflecting new programs and tax laws.
NOVEMBER We will review your estate plans and charitable intentions. We will then work with you to update any estate planning documents (wills, trusts, etc). We also host our Annual Client Appreciation Event.
DECEMBER We will implement any year-end tax minimization strategies. We also review our asset allocation models relative to the outlook for world economies, striving to manage the anticipated risk and reward of our client’s investments for the coming year.
What we do for our
Family Office Service clients throughout the year:
F A M I L Y
O F F I C E
S E R V I C E
As a fee-only fiduciary investment advisor, our work is subject to the highest ethical standards in the financial industry. Our professionals have earned MBAs, CFPs, CPAs, and CFAs.
Ethics
Education
Experience
ADAM GLASSBERG CFP®, CIMA®
Adam is a NAPFA registered Senior Financial Planner in level 3 of the Financial Planning Development (FPMD) program. Adam joined our team in June 2008, and is responsible for development and review of fi nancial plans and is the co-portfolio manager at D3.
His areas of focus include portfolio management, wealth accumulation strategies, and budgeting. He works best with young professionals and physicians.
adam@d3fi nancialcounselors.com RYAN PACE CFP® Ryan is a NAPFA registered Financial Planner in level 2 of the FPMD program. Ryan joined our team in May 2011, and is responsible for the development and review of fi nancial plans and tax returns. His areas of focus include tax saving strategies and executive compensation planning (e.g. stock options and RSUs). He works best with corporate executives and business owners.
ryan@d3fi nancialcounselors.com KYLE GRABENSTETTER MS Kyle is a Junior Financial Planner in level 1 of the FPMD program and is pursuing his CFP® designation. Kyle joined our team in January 2014, and is working in a support role in all areas of fi nancial planning. His focus is on the development of fi nancial plans. kyle@d3fi nancialcounselors.com DONALD DUNCAN MBA, CFA™, CFP®, CPA* After a successful career at Northern Trust Company, Don utilized his knowledge and experience to start D3 Financial Counselors in 1997. Don pursued this career change so that he could help individuals rather than institutions. Th e focus of D3 is to help people achieve their goals through fi nancial planning and risk-controlled investment management in order to maximize after tax wealth. Don serves clients by providing Integrity, Trust, Wisdom and Confi dence.
Don develops strategies to help highly taxed individuals and business owners organize, prioritize, and optimize their personal fi nancial goals.
Early in Don’s life he was involved in an automobile accident that severed his tongue. He endured numerous surgeries and spent many years in speech therapy striving to overcome this obstacle to that it would not become a handicap. Don uses his long term persistence and dedication of purpose to help clients overcome obstacles and achieve their life time goals.
Don is focused on being educated so that he can provide the best ideas to help clients achieve their goals. Don is also a NAPFA registered fi nancial planner and earns at least 30 hours of continuing education credits annually to stay current with fi nancial topics, taxes and investments. Don lives in Downers Grove with his wife Cindi and their children. He is an active member of the community. Don is focused on personal improvement by interacting with people, reading and living new experiences.
don@d3fi nancialcounselors.com
PATTY SHIPINSKI RP®
Patty is our Offi ce M anager and is a Registered ParaplannerSM. Patty
joined our team in November 2009, and is responsible for the day to day administrative duties and is Don’s primary assistant. She is here to help answer your questions and direct you to the person who can best serve your needs.
patty@d3fi nancialcounselors.com MICHAEL MEYERS MBA, CFP®
Michael is our Chief Compliance Offi cer and a Senior Financial Planner with experience in all areas of fi nancial planning. Michael joined our team in 2005 after a 34-year career at AT&T Bell Laboratories and Lucent Technologies. Michael works part time and has an expertise in seniors’ issues, charitable giving, fi nancial plan implementation, plus mutual funds and equity investments.
michael@d3fi nancialcounselors.com SHARON WALLYN
Sharon is our Business Development
Executive focusing on identifying and cultivating new business referrals for D3. Sharon joined our team in January 2014 with over 30 years of experience in sales and marketing. Sharon works part time focusing on business development.
sharon@d3fi nancialcounselors.com
M E E T
T H E
T E A M
www.d3financialcounselors.com
Certified Financial Planner (CFP®)
The Certified Financial Planner (CFP®)
designation is awarded by the Certified Financial Planner Board of Standards, Inc. (CFP Board). To receive the designation, candidates must possess a Bachelor’s Degree or higher from an accredited institution, complete specific course training and pass the 10 hour CFP Board Certification Examination. After passing the examination, they must fulfill a three year full-time work experience require-ment. The designation is awarded upon completion of the work experience. CFP’s are required to adhere to the CFP Board Code of Ethics and Professional Responsibility and to the Financial Planning Practice Standards. To maintain certification, CFP®s are required to
complete continuing education courses on an on-going basis.
Chartered Financial Analyst (CFA)
The Chartered Financial Analyst (CFA) designation is an international profes-sional certification offered by the CFA Institute. Candidates must complete a series of three six-hour exams, possess a Bachelor’s Degree from an accredited institution (or have equivalent education or work experience) and have 4 years of qualified, professional work experi-ence. CFA charterholders are also obligated to adhere to a strict Code of Ethics and Standards governing their professional conduct.
Certified Investment Management Analyst (CIMA®)
The CIMA® certification, issued by the
Investment Management Consultants Association (IMCA), is focused on advanced investment consulting. The CIMA® professional integrates a
complex body of investment knowledge to provide objective investment advice and guidance to individuals and institutions. CIMA®s analyze portfolios’
profits, losses, and rates of return.
Today, the financial services industry recognizes the CIMA® certification as
the standard for advanced investment consulting. The CIMA® credential
communicates to clients and peers that the consultant has completed a rigorous process reflecting a high level of competency, professionalism, and investment expertise.
Certified Public Accountant (CPA)
Certified Public Accountant (CPA) is the statutory title of qualified accountants in the United States who have passed the Uniform Certified Public Accountant Examination, and have met additional state education and experience require-ments for certification as a CPA. The Uniform CPA Exam tests primarily the understanding and the ability to apply authoritative literature that are univer-sally adopted by all US jurisdictions or are federal in nature. CPAs are required to take continuing education courses in order to renew their license.
Personal Financial Specialist (PFS)
A Personal Financial Specialist (PFS) is a CPA with the powerful combination of extensive tax expertise and comprehensive knowledge of financial planning. This knowledge is critical to obtaining the most valuable, objective advice possible. All areas of personal financial planning including estate, retirement, investments and insurance have tax implications, and the PFS professional has the ethics, education and experience to get the job done right.
Certified Specialist in Estate Planning (CSEP)
The Certified Specialist in Estate Planning® (CSEP) program consists of a
curriculum of core and elective courses specifically designed to enhance and expand practical knowledge. Candidates must complete six courses, as well as two electives, and pass a related exam for each. The courses offered in the CSEP program vary in level of knowledge
from basic to advanced. CSEPs are required to take continuing education courses to maintain their certification.
Registered Paraplanner® (RP®)
The Registered ParaplannerSMcertification
issued by the College For Financial Planning (CFFP), is an extensive program encompassing the financial planning process, the five disciplines of financial planning and general financial planning concepts, terminology and product categories. The RP® professional
incorporates and applies this complex body of financial planning knowledge to provide effective data analysis and support.
Master of Business Administration (MBA)
The Master of Business Administration (MBA) is a graduate degree designed to help people run businesses. The MBA program core courses focus on areas of business such as accounting, finance, marketing, human resources and operations management.
Master of Science–Personal Financial Planning (MS)
The Master of Science in Personal Financial Planning (MS) is a graduate degree designed to provide financial planning students and professionals the ability to develop and specialize their expertise in financial planning. Most of the MS program’s core courses focus on additional depth and analysis into various areas of financial planning such as client communication and counseling, retirement planning, risk management, estate planninng, charitable planning, advanced income tax planning, advanced portfolio management and professional technology.
