DC & Associates

DC & Associates provides ongoing portfolio management and financial planning to individuals, high‑net‑worth clients, and businesses, preparing written Investment Policy Statements and monitoring accounts regularly. The firm offers access to professionally managed model portfolios through third‑party managers and the AssetMark platform, and can also provide custom "Advisor as Strategist" management alongside recommendations for mutual funds, ETFs, equities, fixed income, and fee‑based annuities.

The firm’s investment approach emphasizes long‑term, diversified strategies tailored through client financial analysis, documented risk tolerances, and periodic reviews; for many clients it selects third‑party model portfolios suited to each client’s objectives. DC & Associates typically implements strategies on a discretionary basis but also accommodates non‑discretionary, tax‑sensitive, or concentrated holdings arrangements when a client’s situation warrants.

Noteworthy distinctions include an affiliation with insurance activities: a firm principal is a licensed insurance agent and the brochure discloses that insurance product recommendations are not provided in the advisor’s fiduciary capacity and may be limited to certain providers, with procedures described to address the resulting conflict of interest. The firm also requires use of the AssetMark platform or specified custodians, discloses AssetMark’s wrap and platform fees and related advisor incentives, and states it does not aggregate trades across multiple client accounts—operational features that can affect execution, custody, and how third‑party managers are employed.