Category Archives: Articles

15 Signs You Need a Financial Planner

You wouldn’t depart for an important trip without a clear idea of how to get to your destination — or at least without a GPS or map to show you how to get there. The same logic applies to your journey through life. You’re likely to get lost without a clear financial plan to get…Continue Reading

Handling Market Volatility

Conventional wisdom says that what goes up, must come down. But even if you view market volatility as a normal occurrence, it can be tough to handle when it’s your money at stake. Though there’s no foolproof way to handle the ups and downs of the stock market, the following common sense tips can help.Continue Reading

2018 Key Numbers

There are two major drags on the success of your financial plan: fees and taxes. Fees are necessary to get professional management and advice and usually average about 1.5%. You evaluate the value you get by paying fees at least annually. Taxes are a significantly bigger drag than fees. The lowest capital gains tax rate is…Continue Reading

D3 Comments on Market Volatility

We have been sharing with all of our clients for at least 6 months that a technical correction in this market was long overdue. Our primary indicator was that normal volatility in the market has been very subdued and abnormally low. The chart below shows how low downside volatility has been recently compared to history.…Continue Reading

Employee Spotlight: Tim Stuart CPA

1. What is your background as an accountant and what drew you to pursue a career as a CPA? I majored in Accountancy at the University of Illinois at Urbana-Champaign for both my bachelor’s and master’s degree. Prior to D3, I was a tax accountant at a large public accounting firm in their Oak Brook…Continue Reading

D3 Portfolio Management: What We Do on An Ongoing Basis

At D3 Financial Counselors, we believe that a sound investment strategy must be executed using a sound process, taking into account an ever-changing investment landscape and our clients’ evolving goals.  See below for an overview of our daily, monthly, quarterly, semi-annual, and annual portfolio management procedures to ensure our clients’ investment strategy is being implement…Continue Reading

When is it Time to Hire a Financial Advisor?

Many people want to know when it’s time to consider using a financial advisor.  The truth is, we work with clients across every stage of life and can help with everything from beginning to save to planning for legacy goals near the end of life.  Listed below are some questions you might ask yourself, or…Continue Reading

Employee Spotlight: Dan Crowley

1. What have you enjoyed most about working at D3 so far? While working at D3 for the last 5 months has been an overall great experience, the thing I enjoy the most is being part of such a small connected team. Under the mentoring of D3’s experienced planners, I feel like I have been…Continue Reading