Doctors & Dentists


Doctors and dentists encounter many unique financial issues including high student debt, asset protection, and business ownership.  Because of these issues, the most critical time to begin planning for your financial future is prior to having accumulated a large amount of assets.

D3 Financial Counselors can help you achieve your goals regardless of your net worth. You have the flexibility to choose how you want to utilize our services, whether it is on an hourly, project, or asset management basis.  Doctors and dentists tell us that we help them organize, prioritize, and optimize their financial lives by understanding the important financial issues that they face throughout their careers.  We have been recognized by MD Preferred Services as a Preferred Financial Advisor, and have been named as a best financial advisor for doctors by Medical Economics.

Examples of Services Provided to Clients

Student Debt Payment Plan Options

Jim Resident had over $150,000 in student debt from medical school that he had to begin paying in 3 months.  He was presented with several payment plans.  Jim utilized D3 Financial Counselors’ hourly service to provide him with a recommendation for an initial payment plan (during residency), and long term payment recommendations (post residency) that would save him thousands of dollars of interest over the course of his loan.
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Financial Planning for Business Owners

Jane Physician has begun to profit from her successful practice.  She is looking into retirement savings plans that will allow her to defer over $50,000/year pre-tax, while limiting her out of pocket contributions to her employees.  She was also recently approached by a disability insurance salesperson that made a recommendation to offer a policy which looked expensive to her.  She utilized D3 Financial Counselors’ on a project basis to analyze retirement plan options, and choose a plan to meet her goals.  She also used us as second opinion to determine whether the proposed disability insurance plan was right for her.

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One-Stop Shop for Doctors and Dentists

Jane and John Dentist have met with D3 Financial Counselors in the past on an hourly basis.  After following recommendations made in past meetings, they have accumulated a significant amount of assets, which they do not have the time or expertise to manage.  Due to the ongoing complexities of running a business, they utilized D3 Financial Counselors’ Family Office Service, which served as a one-stop shop for all of their financial headaches.

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Outsourcing Day to Day Financial Headaches

Jerry and Jane wanted to retire in the south and not have to worry about analyzing every financial planning, investment, tax, or estate planning issue every time the laws changed. Also, they wanted someone to monitor and update their investments and financial plan as necessary. They hired D3 as their family office manager.

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Retirement Cash Flow Projections

Kathy wanted to know if she could afford a vacation home, and retire comfortably.  We ran several retirement cash flow projections, and determined that she would have to maintain a part time job during retirement, earning a portion of her current wage to afford a vacation home.
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Related News & Articles

Adam Glassberg Quoted in Financial Planning Magazine Article

Adam Glassberg was quoted in Financial Planning Magazine on April 1st. The article, titled “High Income, Jumbo School Debt: Smart Options for Clients,” talks about medical and dental students who tend to have high incomes, but also large amounts of student loan debt. At D3 Financial Counselors, Adam specializes in financial planning for medical and dental professionals, helping them balance student…Continue Reading

Adam Presented to Graduating Medical Students at the University of Illinois at Chicago

On April 14th, 2015, Adam presented to graduating medical students at the University of Illinois at Chicago from 12-1pm. The topics covered in this presentation included: the basics of financial planning balancing debt repayments with wealth accumulation during residency and post-residency credit improvement strategies the basics of insurance how to fund a trusted advisorContinue Reading

Don Duncan named Five Star Wealth Manager in Chicago Magazine

For the third consecutive year, Don Duncan was named a Five Star Wealth Manager in the November 2014 issue of Chicago Magazine.  The Five Star Wealth Manager program is the largest and most widely published wealth manager award program in North America.  No more than seven percent of the wealth managers receive this award each…Continue Reading

Recognized as a Best Financial Advisor for Doctors in Medical Economics

For the third consecutive year, Don Duncan was listed as a Best Financial Advisor for Doctors in the November 2014 edition of Medical Economics. The staff at Medical Economics use the following criteria to determine the best financial advisors for doctors: Advisors with depth of knowledge about a broad range of financial issues and retain certifications (CFP®…Continue Reading

Don Duncan & Adam Glassberg Attend NAPFA Asclepius Group Meeting

The Asclepius Group is a group of NAPFA advisors who have a significant portion of their practice dedicated to increasing knowledge and creating value for advisors serving the unique needs of medical professionals.  The mission of the group, whose membership will be limited to NAPFA members (i.e., fee-only, fiduciary advisors) with a significant practice in…Continue Reading

5 Keys to Creating a Workable Budget

Financial planning revolves around what is in our control.  For example, we can’t control stock market returns, tax rates, or unexpected events, but we can plan to mitigate these risks through diversification, tax planning, and insurance.  Of all the areas in financial planning, we probably have the highest degree of control over our income, expenses,…Continue Reading

Debt Repayment Strategies for Residents & Physicians

For many medical students, taking out student loans is well worth the investment. Becoming a physician can have the reward of higher earning potential, and the ability to do something that they would enjoy more than any other occupation. Most medical students rely heavily on student loans to make it through med school. In fact,…Continue Reading

Adam Provided Pro Bono Financial Planning at UIC

Adam Glassberg participated in UIC’s Financial Planning Clinic performing pro bono financial planning for the public on October 28th, 2014 from 11am-1pm. The event was held in the Multipurpose room, which is to the right once you enter the Commuter Student Resource Center.Continue Reading