Category Archives: Articles

D3 Portfolio Management Philosophy

At D3 Financial Counselors, we construct customized portfolios designed to achieve our clients’ financial goals. Below we provide an overview of the key components of our portfolio construction process and philosophy. Portfolio Construction We use modern portfolio theory to assist us in constructing client portfolios. At its most basic level, modern portfolio theory mathematically demonstrates…Continue Reading

Tax Reform 2017 – What’s Being Considered?

Major tax changes are being proposed to the Internal Revenue Code by the Administration and Congress. The changes have been announced as a part of a suggested “framework.” The framework details are to be worked out and negotiated before being made law.  If the current items being discussed are adopted and made IRS regulations, it…Continue Reading

Brett Quoted in CreditCards.com Article

Brett Spencer was quoted in an article on CreditCards.com titled “6 Reasons to Put All Your Wedding Expenses on One Credit Card.” To read more on Brett’s thoughts on utilizing 0% rate credit cards, click here to read the full article.Continue Reading

Equifax Security Breach: Your Next Steps

What happened? Last week, the public learned that Equifax, one of four credit bureaus, had been hacked, potentially exposing the personal information of 143 million people. Potentially compromised information includes Social Security numbers, credit card numbers, addresses, and driver’s license numbers. There has been much uproar over the situation beyond the fact that there was a…Continue Reading

Most Passwords Are Easy to Guess. Do This Instead.

“You’re doing your passwords all wrong. So says the developer of the guidelines most internet users have been following for 15 years, anyway. Passwords that L00K l!ke tHi$ are actually much more susceptible to hacking than most people realize, says Bill Burr, former manager of the National Institute of Standards and Technology (NIST) and author…Continue Reading

The Value of a Financial Advisor

At D3, we strive to provide as much value to our clients as possible. The Essential Advisor by Bill Crager and Jay Hummel quantifies the value a financial advisor can bring to your overall financial health. Click here to watch a quick video and learn more.Continue Reading

Employee Spotlight: Todd Costigan, CPA

1. How did you find D3, and why did you decide to work for D3? We were first introduced to D3 as a client, when a neighbor, Sharon Wallyn, (also a D3 employee) recommended D3 to us. We met with Adam. Through the course of that meeting he mentioned they may be looking for a…Continue Reading

Getting Your Financial House in Order

For those of you that like to keep physical records, spring/summer season tends to mean house and yard cleaning time. This would also be a good time to get your financial house in order as well. There is typically some sense of hesitation in the minds of most people regarding what financial documents they can…Continue Reading