| Advisor Profile |
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Business Description |
As a completely independent firm, we offer un-biased financial advice, focusing solely on achieving our clients' goals, refusing to accept any commissions or referral frees. We provide financial planning, estate planning, tax planning and investment advisory services to individuals who want to understand the economic consequences of their financial decisions. Our services range from providing one-time consultations, to the creation of comprehensive financial plans and investment management services.
Our team of 5 professionals offers a unique combination of education, professional credentials and institutional asset management experience. Asset management experience includes managing over $6 billion in mutual funds at Northern Trust Company. We have been registered as an independent investment advisor since 1997, and have been active in the financial markets since 1980.
Why Should You Call D3 Financial Counselors?
You want an experienced professional to help you achieve your financial goals, who will give you objective, unbiased advice. |
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General Information |
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| States Licensed in: |
Illinois
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| Years of Experience in Financial Services: |
20
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| Number of Years with Current Firm: |
12
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Education |
| Academic Background |
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Certified Financial Planner (CFP), Certified Specialist in Estate Planning,
Chartered Financial Analyst (CFA), Certified Public Accountant (CPA), MBA from DePaul University, BS from Illinois State University |
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Services |
| Investment Types: |
ETFs, Alternative Investments, Bonds, Mutual Funds, Stocks
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Chartered Financial Analyst (CFA), Certified Public Accountant (CPA), CERTIFIED FINANCIAL PLANNER (CFP®)
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| Securities Licenses: |
Series 3
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| Financial Organization Memberships: |
National Association of Personal Financial Advisors (NAPFA), American Institute of Certified Public Accountants (AICPA), Financial Planning Association (FPA)
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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| Firm's Number of Clients: |
60
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| Advisor's Number of Clients: |
60
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Compliance |
| Registered Investment Advisor: |
Yes
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| Investment Advisor Representative: |
Yes
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| I am an acknowledged fiduciary: |
Yes
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| Compliance Disclosures in Last 5 years: |
I have a clean record
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| Criminal Disclosures in Last 5 years: |
I have a clean record
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Compensation & Fees |
| I am a fee-only financial professional: |
Yes
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| Minimum Portfolio Size for New Managed Accounts: |
500,000
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| Compensation Methods: |
Based on Assets, Hourly
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| Additional Details on Charges: |
Initial Consultations are free if you are not completely satisfied
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| Prepared By: |
Donald Duncan |
| Most Recent Update: |
09/04/2008 |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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Yes, if clients don't believe the initial consultation was worth the cost, they do not have to pay. Also, customer satisfaction surveys are sent to clients annually. |
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What are your qualifications? What is your education background? |
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Each of our three professionals has an MBA. Two are CFPs. Our founder, Don Duncan, is also a CPA, and a Certified Specialist in Estate Planning. Peter Marchese, our investment manager, is a Chartered Financial Analyst (CFA) |
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What is your approach to financial planning? |
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We are strategic thinkers, taking a holistic viewpoint in helping people manage their financial lives. Our clients have customized programs, designed to grow, protect, and conserve their wealth, while delivering a high level of personal service and expertise. We differentiate ourselves because we have more education and experience than most financial advisors. |
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What services do you offer? |
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We offer Financial Planning services to clients on an hourly basis, a project basis, or it can be combined with investment management for clients who prefer a low-cost, all inclusive financial management service, including the preparation of their income taxes. |
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How many clients do you currently manage? |
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Will you be the only person working with me? |
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Clients have access to all 5 members of our team |
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How are you compensated? How will I pay for your services? |
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Clients to can choose to pay us on an hourly basis, or on a project basis, to allow clients to manage the cost of our services |
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If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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With a thorough understanding of a client's investment risk tolerance, time horizon, and return expectation, we prefer that clients provide written permission allowing us to make investment decisions on their behalf. |
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Do you offer any guaranteed results? |
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No, it's unethical to guarantee investment results. |
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How much risk should I be willing to take? |
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The risks in client portfolios are the result of an asset allocation strategy presented to clients after the development of a client's financial plan, which incorporated their long-term financial goals, risk tolerances. We've believe that some clients don't need significant amounts of risk to attain their retirement objective |
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Have you ever been charged with any breaches? |
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None. We are subject to the highest ethical standards set by the College for Financial Planning and the National Association of Professional Financial Advisors (NAPFA). The firm is a registered investment advisor with the Securities and Exchange Commission, which requires us to act in a fiduciary role for our clients. |
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What services do you provide? What are your specialties? |
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We create customized investment programs for clients, carefully matching the portfolio risk with the risk tolerances of our clients. We invest in mutual funds, closed-end funds, and ETFs |
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What is your experience? How many clients do you currently manage? |
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What financial institution(s) do you represent? |
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None, we are an independent investment advisor, registered with the SEC |
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How do you charge for your services? |
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For investment management services, fees are calculated as a % of their assets, with the most common fee at 1% of assets. Clients are billed quarterly. |
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Do you provide a free initial consultation? |
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Prospective clients are welcome to interview us during their selection process, either in person, or via telephone. |
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Why should I choose you as my financial advisor? |
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We are experienced, strategic thinkers, taking a holistic viewpoint in helping people manage their financial lives. Our clients have customized programs, designed to grow, protect, and conserve their wealth, while delivering a high level of personal service and expertise. |
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