# DB & C Advisors

DB & C Advisors is a Bank / Wealth / Trust based in Grand Haven, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Grand Haven, United States
- **Region:** North America
- **Address:** Grand Haven, MI, United States
- **Founded:** 2010
- **Assets under management:** Undisclosed
- **Website:** dbc-advisors.com
- **LinkedIn:** https://www.linkedin.com/company/dbc-advisors

## Regulatory record

- **Reports private funds:** No

## About

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.

## Sectors

- Financial Services

## Questions

### How does the firm source private real estate investments?

Through its affiliated entity MichInvest Real Estate LLC, DB & C Advisors sources direct real estate opportunities primarily in western Michigan. The structure allows qualified clients to invest in physical property alongside the adviser without pooling capital in a commingled fund. Acquisitions tend to concentrate on multi-family and commercial properties within the Grand Haven-to-Grand Rapids corridor.

### Does DB & C Advisors act as an ERISA fiduciary for retirement plans?

Yes. The firm holds both 3(21) and 3(38) fiduciary designations under ERISA. As a 3(21) fiduciary, it provides investment recommendations while the plan sponsor retains final decision authority. When engaged as a 3(38), the firm assumes full discretionary control over plan investments, transferring liability away from the plan sponsor. This tiered fiduciary structure is uncommon among small-market RIAs.

### What client types does DB & C Advisors primarily serve?

The firm's ADV lists pension and profit-sharing plans, trusts, estates, charitable organizations, and high-net-worth individuals. Retirement plan consulting forms the backbone of its institutional book. The firm also manages separate accounts for corporate executives through deferred compensation and SERP structures.

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- [DBAY Advisors](https://altss.com/profile/dbay-advisors)
- [DB Capital Partners](https://altss.com/profile/db-capital-partners)

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Last updated: 2026-07-10T22:25:10.000Z

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