DB & C Advisors

DB & C Advisors

DB & C Advisors opened in Grand Haven, Michigan in 2010, established by Thomas D. DeMeester and Charles Brammer as a fiduciary RIA. The firm's initial client base included pension and profit-sharing plans, trusts, estates, charitable organizations, and private individuals across Michigan. Its founding model rejected commission-based brokerage in favor of fee-only advisory, a posture that remains the core of its compliance structure. The firm constructs client portfolios across equity, fixed income, and private real estate sleeves. MichInvest Real Estate LLC, an affiliated entity, manages directly held property assets for qualified clients. DB & C runs both advisory and sub-advisory mandates, building custom allocations through outside separately managed accounts rather than proprietary pooled funds. The firm maintains a defined-benefit-plan specialty, advising local municipalities and small-to-midsize corporations on actuarial funding, liability matching, and ERISA compliance. Prominent relationships include the Grand Haven Area Community Foundation, where the firm has served as an investment consultant. DB & C Advisors operates from a single office in Grand Haven without additional branches. Total professionals remain unconfirmed. Since late 2024, the firm has broadened its client-facing technology, rolling out an enhanced client portal for retirement plan participants. It continues to conduct annual fiduciary review meetings for all ERISA plan sponsors, a cadence documented in regulatory filings. One structural differentiator is its embedded plan-consulting arm that acts as both a 3(21) and 3(38) fiduciary under ERISA. This dual capacity lets the firm either share or assume full investment discretion for retirement plans, a liability transfer that separates it from generalist wealth managers who refer plan business to third-party administrators.