D & P Investment Advisors, Ltd.

D & P provides financial planning, consulting, and investment management to individual investors as well as to institutional-type clients including pension and profit‑sharing plans, trusts, estates, charitable organizations, and corporations or business entities. The brochure describes retirement and education planning, recommendations for variable life/annuity products, and advice on employer‑sponsored retirement plans as part of its service offerings.

The firm manages client assets on a non‑discretionary basis and tailors asset allocations after assessing each client’s risk tolerance and time horizon. Its stated process combines fundamental and technical analysis to recommend diversified, “best of breed” portfolios using mutual funds, ETFs, individual equities and fixed income, with periodic monitoring and consideration of tax planning and the use of margin when authorized.

The adviser is affiliated with a certified public accounting firm; the brochure discloses cross‑referral arrangements, the principal’s ownership interest in that CPA firm, and that the principal expects to spend approximately 35% of his time with the accounting practice. The firm also reports an unusually large client roster (about 225 clients) relative to its reported size and AUM and highlights a client mix that includes corporate/business clients and pension/profit‑sharing plans, which the brochure presents alongside its individual client services.