Wealth Management

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Wealth Management

Affordable Family Office Service

For those who seeking to outsource all of 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 investment recommendations structured to achieve your cash flow needs consistent with your risk tolerance. We analyze your estate and retirement planning needs, as well as your insurance needs and offer specific recommendations.

Each year we prepare your federal and state tax returns, looking for tax savings strategies to benefit you in the following year. We then use the tax return data to update your financial plan annually. Our knowledge of your tax situation allows us to manage your portfolio in the most tax efficient manner.

We provide detailed investment performance reporting semi-annually. We also do all of the administrative work necessary to consolidate your accounts, to make it easier for you to manage your wealth. We offer this service as a percentage of the assets we manage for you, or on a fixed-quarterly retainer basis. Learn more about our portfolio management philosophy and process, click the buttons below.

Accelerator

On a very selective basis, we also have a service for young, aggressive savers who do not meet the minimum annual fee required for all of the benefits included with our Affordable Family Office Service. This service is designed for younger clients that want to accelerate the time in which they will achieve their financial goals.

The Accelerator program represents D3 Financial Counselors willingness to invest in clients that potentially are seeking a long-term relationship with a Financial Counselor.

What’s Included in Our Affordable Family Office Service Throughout the Year:

January - February (Performance Reviews)

We will update and discuss with you the performance of your portfolio to compare the actual rate of return with the target rate of return in your financial plan. We will recommend changes, if necessary, and collect your tax information.

March - April (Tax Return Preparation)

We prepare your tax return and coordinate reviews with our CPA’s. We determine the tax saving strategies available to you prior to filing your return and throughout the upcoming year.

May - June (Annual Financial Plan Updates)

We will update your financial plan with your new tax information as well as any changes you would like incorporated. We will review the financial implications of the updated plan with you.

July - August (Performance Reviews)

We will update and discuss with you the performance of your portfolio 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 portfolio to better achieve your goals.

September - October (Estimated Taxes & Annual Insurance Reviews)

We will analyze your tax situation and implement investments 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 (Annual Estate Plan Reviews)

We will review your estate plan and charitable intentions. We will then work with you to update any estate planning documents (wills, trusts, etc). We will also host our annual Client Appreciation Event.

December (Estimated Taxes & Asset Allocation Review)

We will implement any year-end tax minimization strategies. We will also review our asset allocation models relative to the outlook for world economies, striving to manage the anticipated risk and reward of your investments for the coming year.

Secure Client Portal Access

As a part of our wealth management services, we provide convenient, secure client portal access. Within your client portal, you able to review your portfolio online and have 24/7 access to all of your important financial information and documents.

  • Access your financial information using military-grade encryption
  • Send and receive documents using our secure document vault
  • Access your financial information and documents from your mobile device, including tablets.

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