Bay City, MI Westside Saginaw Road Office

DBS Investment Advisers, LLC provides portfolio management, financial planning, and pension consulting to individuals (including high-net-worth clients) and retirement plans. The firm offers both discretionary and non-discretionary management and may implement strategies through firm-developed or third‑party model portfolios and sub‑advisers.

Its investment approach emphasizes diversified allocations—primarily mutual funds and exchange‑traded funds—guided by modern portfolio theory and longer‑term purchase strategies, with model portfolios monitored and rebalanced on a scheduled basis or as client circumstances change. The firm documents client objectives, risk tolerance, and liquidity needs to tailor portfolios, and notes that tax efficiency is not its primary management consideration unless otherwise agreed in writing.

Notably, the firm discloses an ownership affiliation with a real estate brokerage (DBS Professional Practice Brokers, LLC) that may provide appraisal, transaction consultation, and brokerage services to advisory clients and identifies the resulting conflict of interest while stating clients are under no obligation to use the affiliate. The firm also offers a discounted fee arrangement for a professional association (Michigan Dental Association members) and discloses it may compensate unaffiliated parties for client referrals, practices that distinguish its referral and affiliation arrangements from many peers.