D3 Financial Counselors
What we do for our Clients
Adam Glassberg
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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
 Less
for the Advisor
conflicts resulting in fewer compliance issues
and less paperwork
 No external pressures from product providers
Products & Services
Hourly-Based Or Project-Based
Financial Planning
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Hourly consulting sessions focus on topic specific
financial advice
Common hourly topics include
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Clarifying Tax Issues
New Business Formation & Analysis
Cash Management & Budgeting
Investment Reviews
Mortgage Refinancing and Pension Analysis
Products & Services
Financial Planning
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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
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Insurance
Taxes
Retirement & Estate Planning
Employee Benefits
Investments
Products & Services
Investment Management
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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
Products & Services
Comprehensive Financial Planning & Investment Management
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Charge a percentage of assets under management or retainer fee
Ongoing service combines financial plan with investment management
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January-February
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March-April
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Discuss performance and update investment objective based on plan update
October-November
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Update financial plan based on new tax information and client input on life changes
July-September
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Prepare tax returns & look for potential tax saving strategies
May-June
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Discuss Performance and begin to collect tax information
Analyze tax situation to maximize after tax income and review estate plan.
December
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Review insurance situation and host annual client appreciation dinner
Why I Enjoy My Job
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Learn a lot from well rounded
staff
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CPA, CFP®, CPA, MBA
Work face to face with clients
Income does not rely on
selling investment products
Dynamic work environment
CFP® Exam Tips
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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
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