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They include 267 individual clients, 56 high-net-worth individuals, and 6 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 17 September 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does DB & C Advisors offer?","answer":"DB & C Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and selecting other managers.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does DB & C Advisors charge?","answer":"DB & C Advisors charges up to 2.25% a year for its Investment management and wealth management fee. The fee is billed in advance and is negotiable.","source":"FORM ADV PART 2A DISCLOSURE BROCHURE, filed 17 September 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does DB & C Advisors use?","answer":"DB & C Advisors’ separately managed account assets are held at Raymond James & Associates, Inc. (Saint Petersburg, FL), with $216M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 17 September 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does DB & C Advisors have?","answer":"DB & C Advisors has 9 investment adviser representatives registered with state securities authorities, out of 11 employees, and 9 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 4 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does DB & C Advisors invest in?","answer":"At the end of its last fiscal year, DB & C Advisors’ separately managed accounts held 52% exchange-traded equities, 36% registered funds (mutual funds, ETFs, BDCs), 5% cash and equivalents, 4% non-exchange-traded equities, 2% other and 1% pooled vehicles (private funds and similar). The 2% other category is described as: Covered Call Etfs.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns DB & C Advisors?","answer":"DB & C Advisors is owned through a holding company by Mark Veenstra and George Gardner. Its direct owners are Douglas Plamondon (10% to 25%) and DB&C Investment Services, LLC (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 17 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does DB & C Advisors get paid?","answer":"DB & C Advisors is paid through a percentage of assets under management and hourly charges. 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}