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Category Archives: Articles

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

The DOL (Department of Labor) Fiduciary Rule and How it Impacts D3 Clients

Overview Last Friday, June 9th, was the effective date of the Department of Labor Fiduciary rule. This is a landmark rule that will potentially change the way financial services are provided.  It will essentially elevate all financial professionals who work with retirement plans or provide retirement planning advice to the level of a fiduciary, requiring these…Continue Reading

Should You Pay Off Your Mortgage or Invest?

Owning a home outright is a dream that many Americans share. Having a mortgage can be a huge burden, and paying it off may be the first item on your financial to-do list. But competing with the desire to own your home free and clear is your need to invest for retirement, your child’s college…Continue Reading

The ABCs of HSAs

What Makes an HSA so Great? The Health Savings Account or “HSA” is an account intended to fund medical expenses, which provides you with the “best of all worlds” from a tax standpoint.  Similar to a Traditional IRA, you are able to make tax-deductible contributions into the account.  Similar to a Roth IRA, the growth…Continue Reading

Pros & Cons of Private Prepaid 529 Plans

Private College 529 plans, formerly called Independent 529 plans, have unique features that distinguish them from regular 529 plans.  These key differences should be carefully considered before deciding if a Private College 529 plan is the right savings vehicle for your financial goals. The Basics To participate in a Private College 529 plan, you buy…Continue Reading