D & T Financial Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
D & T Financial Advisors provides discretionary investment management and retirement plan advisory to individuals (including high net worth clients), trusts, qualified retirement plans, charitable organizations and businesses. The firm manages approximately $87.4 million across about 40 client relationships and also offers broader financial planning and consulting services that may touch on tax, estate and business-sale considerations.
The firm's investment approach emphasizes Modern Portfolio Theory and long-term, buy-and-hold asset allocation implemented principally with passively managed, no-load mutual funds and ETFs from providers such as Dimensional Fund Advisors, Vanguard and Bridgeway. DTI develops written investment policy statements, uses tools like Monte Carlo analysis to set allocations, and delegates fixed income portfolio trading and certain back-office functions to a third‑party manager (Advisor Solutions).
A distinctive aspect of the firm is its affiliation with the accounting practice Jackson Downs & Tsuruda, with partners and several advisory staff holding CPA credentials and spending substantial time in the accounting practice; the two firms may refer clients to one another while keeping services and compensation separate. DTI also participates in program platforms and support services (including Fidelity Institutional Wealth Services and Advisor Solutions) and maintains a succession agreement with a larger advisory network to address continuity of client service.
Client services
Expertise
Fee options
$0 - $199,999: 1.50% $200,000 - $499,000: 1.25% $500,000 - $999,000: 1.00% $1,000,000 - $1,999,999: 0.90% $2,000,000 - $2,999,999: 0.80% $3,000,000 - $3,999,999: 0.70% $4,000,000 - $4,999,999: 0.60% $5,000,000+: Negotiable
Account minimum: $250,000
Main office
1985 Bonifacio Street #201
Concord CA 94520
Advisors at this office
3
Most active in
California
Also doing business as
D & T Financial Advisors, Inc. · Downs & Tsuruda, Inc. · Jackson & Downs, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Alexander T
Series 65
Concord, CA
D & T Financial Advisors, Inc.
Alexander Tsuruda is a financial advisor at D & T Financial Advisors, Inc. with two years of industry experience. He holds a Series 65 designation and has worked at D & T Financial Advisors since 2025, as well as at Downs & Tsuruda, Inc. since 2020. In addition to his advisory role, he operates a tax accounting firm, Jackson Downs & Tsuruda CPA's, where he prepares individual and entity tax returns and provides bookkeeping services. D & T Financial Advisors provides discretionary investment management and retirement plan advisory primarily for individuals, including high net worth clients, as well as trusts, qualified retirement plans, charitable organizations, and businesses. The firm employs a Modern Portfolio Theory-based approach focusing on diversified, low-turnover, passively managed asset-class funds with a buy-and-hold strategy.
Gary D
PFS™
Concord, CA
D & T Financial Advisors, Inc.
Gary Downs is a Personal Financial Specialist (PFS™) with 28 years of industry experience. He has been with D & T Financial Advisors, Inc. since 2002 and is also a partner at Jackson, Downs & Tsuruda CPA's, where he provides accounting, tax, and financial consulting services. D & T Financial Advisors offers discretionary investment management and retirement plan advisory primarily for individuals, trusts, qualified retirement plans, charitable organizations, and businesses. The firm employs a diversified, low-turnover, passively managed investment approach based on Modern Portfolio Theory and maintains a close affiliation with an accounting practice through its licensed CPA principals.
Andrew M
Series 65
Concord, CA
D & T Financial Advisors, Inc.
Andrew Mendonca is a financial advisor at D & T Financial Advisors, Inc. with two years of industry experience. He holds a Series 65 credential and has worked at Jackson Downs & Tsuruda since 2020 and Bank of America from 2018 to 2020. Outside of his advisory role, Mendonca is involved with Jackson Downs & Tsuruda CPA's, a tax accounting firm, where he prepares taxes and accounting. D & T Financial Advisors provides discretionary investment management and retirement plan advisory primarily for individual clients, trusts, qualified retirement plans, charitable organizations, and businesses. The firm follows a Modern Portfolio Theory-based investment approach focused on diversified, low-turnover, passively managed asset-class funds with a buy-and-hold strategy and maintains a close affiliation with an accounting practice.
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