D3 Financial Counselors

What we do for our Clients

Adam Glassberg

2008 Eastern Illinois University Graduate

Majored in Finance Passed March 2009 CFP® Exam Currently Studying to become

Enrolled Agent

Independent, Fee-only Financial Planning & Investment Management

Advantages for the Client Adviser acts as a fiduciary legally requiring him or

her to act in the best interest of the client Straight forward relationship void of conflicts of

interest Transparent fees and expenses

Advantages for the Advisor Less conflicts resulting in fewer compliance issues

and less paperwork No external pressures from product providers

Products & ServicesHourly-Based Or Project-Based

Financial Planning

Hourly consulting sessions focus on topic specific financial advice

Common hourly topics include Clarifying Tax Issues New Business Formation & Analysis Cash Management & Budgeting Investment Reviews Mortgage Refinancing and Pension Analysis

Products & ServicesFinancial Planning

Clients pay a flat fee for a comprehensive financial plan Plan can serve as a resource for years EGADIM Plan analyzes a client's needs and goals in the areas of

Insurance Taxes Retirement & Estate Planning Employee Benefits Investments

Products & Services

Clients pay a percentage of assets under management every quarter

% of AUM fee model gives us additional incentive to perform well

Portfolios are adjusted to anticipate market changes, and are monitored daily

For people who already have an idea of their investment goals

Investment Management

Products & ServicesComprehensive Financial Planning & Investment Management

Charge a percentage of assets under management or retainer fee Ongoing service combines financial plan with investment management

January-February Discuss Performance and begin to collect tax information

March-April Prepare tax returns & look for potential tax saving strategies

May-June Update financial plan based on new tax information and client input on life changes

July-September Discuss performance and update investment objective based on plan update

October-November Analyze tax situation to maximize after tax income and review estate plan.

December Review insurance situation and host annual client appreciation dinner

Why I Enjoy My Job

Learn a lot from well rounded staff CPA, CFP®, CPA, MBA

Work face to face with clients Income does not rely on

selling investment products Dynamic work environment

CFP® Exam Tips

Take the CFP® Exam ASAP Study Early & Often Take Review Course Prior to

Exam Remember, you will not

know everything Don’t bother studying the

night before the exam

Questions??

Thank you for your time More information on our firm at

http://www.d3financialcounselors.com