Donald Duncan


D3 Financial Counselors, LLC

Financial Counselor

Donald Duncan


D3 Financial Counselors, LLC

Financial Counselor

We help smart people make smarter financial decisions ™ - Donald Duncan, CFP®, CFA, CPA, PFS

Fee Only Financial Planner Serving the Entire Chicago, IL Area, Santa Fe, New Mexico and select Clients Nationwide

Donald Duncan is a Chicago, IL fee-only financial planner. D3 Financial Counselors, LLC provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Donald Duncan is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Early in Don’s life he was involved in an automobile accident that severed his tongue.  He spent many years in surgery and in speech therapy striving to overcome this obstacle so it would not become a handicap.  Don uses his long term persistence and dedication of purpose, to help clients overcome obstacles and achieve their life time goals. 

After a successful career at Northern Trust Company, Don took his experience and started D3 Financial Counselors (D3) in 1997. The reason for the career change was so he could work with individuals rather than institutions.  The singular focus of D3 is to help people achieve their goals through financial planning, risk-controlled investment management and tax wealth management. During his 16 years with Northern Trust, Don managed over $8 billion in various portfolios and served as a member of the division's risk management team.

Don is focused on being educated so that he can bring the best ideas to help clients achieve their goals. To this end, Don received his Certified Public Accountant designation in 1985, earned a Masters of Business Administration from DePaul University in 1987 and became a Chartered Financial Analyst in 1992. In 1997, he earned the Certified Specialist in Estate Planning designation and, in 2000, he became a licensed CERTIFIED FINANCIAL PLANNER™.  Each year Don earns at least 30 hours of continuing education credits, to stay current with financial planning topics, taxes and investments.

With his strong convictions about education, Don taught Financial Planning at DePaul University and Portfolio Management at Lewis University. Utilizing Don's teaching and public speaking experience, D3 Financial Counselors also conducts customized seminars to business employees and association groups. Don also was past Chairman of the Illinois Financial Planning Association, served on the NAPFA Midwest Board as well as having served as Chairman of the Downers Grove Chamber of Commerce.

Don lives in Downers Grove with his wife Cindi and their children. He is an active member of the community and any endeavor he gets involved with.  Don is focused on personal improvement by interacting with people, reading, and living new experiences. Recreationally, Don enjoys outdoor activities like backpacking, fishing, hiking, bike riding and travelling to new places.

Donald Duncan is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning

Our Business Model

  • We are an independent, fee-only, fiduciary financial planning firm.
  • We are not affiliated with any other company, have no sales quotas, do not sell any products and accept no commissions.
  • Our business model is designed to avoid any conflict of interest between the advice we provide you and your goals regardless of your net worth.

Our Mission

  • Our mission is to reduce the uncertainty of your financial future and to increase the probability of you achieving your goals.
  • We educate you on how to make smarter financial planning and investment decisions.
  • We focus on value for service, and demonstrate that the value of our service clearly exceeds the cost of our fees.

Personalized Service

  • We do not force you into a "one-size-fits-all" business relationship.
  • You tell us how we can best serve you, and we tailor our services to focus solely on those areas where you need help.
  • Our financial plans are easy to comprehend and implement because they are written and reviewed by CFPs; while other firms use a computer generated template.

Experienced Investment Advice

  • We design customized portfolios that revolve around your risk tolerance, and are specifically designed to help you achieve your unique goals.
  • We bring an institutionally-oriented investment focus to your individual situation.
  • Our unique institutional asset management experience includes managing billions of dollars in mutual funds, high net worth individual accounts and institutional funds at Northern Trust Company.

Our Team-Oriented Approach

  • Using a team approach, you receive the benefit of multiple professionals and multiple perspectives focused on helping you achieve your financial goals.
  • Each team member has areas of expertise and education that adds insight to your situation.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Integrating Planning, Investments and Taxs
  • Comprehensive Financial Planning
  • Investment Management
  • Retirement Income Planning
  • Tax Planning

Ideal Clients

  • Successful People that want to outsource their financial headaches
  • Business Owners and Executives
  • Retirees and Near Retirees
  • Sudden Money Situations

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

Contact Donald Duncan

Please enter your name
Please enter a valid 10 digit US phone number in the format xxx-yyy-zzzz
Please enter a valid email address
Please leave a message for the advisor.
Please verify that you aren't a robot.
There was an issue sending your message. If this issue persists, please contact support.
Your message has been successfully sent to the advisor. Please allow some time for a reply.

Office Locations:

  • 111 N. Wabash
    Suite 800
    Chicago, IL 60602
  • 5151 Mochel Drive
    Suite 301
    Downer, NM 60605
  • 81 Wildhorse
    West Wing
    Santa Fe, NM 87506

Outdated Browser Detected!

If you're seeing this message, it's because the web browser you're using to access our site is much older and no longer supported. Due to privacy and safety concerns, we don't allow older browsers to access our site. In order to access, please use a newer browser, like Internet Explorer 10 or above, Google Chrome, or Mozilla Firefox.

Download a newer browser