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Client Centric Approach That Makes Sense

One step at a time, we seek to make your life easier

At DBR & CO we focus on your long-term success. That means sweating the details to help you make smarter decisions with your wealth and ensure your assets are protected.

LifePlan 20/20® Financial Planning

Our comprehensive financial planning process is directed by our roundtable team of experts. Each of the core pillars of your plan will be carefully reviewed and monitored.

Our financial planning process in conjunction with our professional network can help with solutions derived from any or all of the following:

Retirement Planning

  • Goals and Objectives

  • Cash Flow Projections

  • Employee Benefit Elections

  • Social Security Planning

  • Self-Employed Strategies

Charitable Planning

  • Donor Advised Funds

  • Charitable Trusts

  • Gift Annuities

Estate Planning

  • Wills, Trusts, and POA’s

  • Beneficiary Coordination and Asset Titlement

  • Tax Strategies

  • Legacy Planning

Education Funding

  • 529 Plans

  • Savings Analysis

  • Budgeting

 

Risk Management

  • Life Insurance

  • Disability Coverage

  • Long Term Care

  • Property-Casualty Insurance

Income Tax Planning

• Tax Reduction Strategies

• Tax Loss Harvesting
• Use of Appreciated Stock

• Intra-Family Transfers

• Tax Return Preparation

 

Our professional network

To provide additional support and to help you act on our recommendations – we have assembled a network of professionals that include attorneys, insurance professionals, accountants and private bankers, all with the same goal - to help you implement your financial plan successfully. 

• Estate and Trust Attorneys

• Accountants
• Private Bankers

• Philanthropic Advisors

 

• Life Insurance

• Property and Casualty Insurance
• Mortgage Brokers

 

 Learn more about LifePlan 20/20® 

 For assistance with any of these questions, contact our Roundtable Chair, Steve Kohler, CFP®, to discuss a financial checkup for you and your family. 

Asset Management

Our investment philosophy: investments that are simple to understand, transparent to the client and low cost to implement.

  • Investment Committee with more than 200 years of combined experience
     

  • Data-driven research

  • Four Seasons asset allocation approach
     

  • In-house professionally managed stock portfolios

DBR Four Seasons Process

Our research partner Hedgeye provides analysis focused on economic GROWTH, INFLATION and Federal Reserve POLICY (GIP) which are the core variables that drive investment performance. Using GIP as our lens, we created our own Four Seasons Investment process, which together with our clients’ level of risk tolerance, forms the foundation of our asset allocation process. Each season represents a specific period in the economic cycle which should have a unique allocation to stocks, bonds and cash.

Spring

GROWTH

ACCELERATING

INFLATION

DECELERATING

FEDERAL RESERVE POLICY

NEUTRAL

Summer

GROWTH

ACCELERATING

INFLATION

ACCELERATING

FEDERAL RESERVE POLICY

HAWKISH

Fall

GROWTH

DECELERATING

INFLATION

ACCELERATING

FEDERAL RESERVE POLICY

PRESSURED

Winter

GROWTH

DECELERATING

INFLATION

DECELERATING

FEDERAL RESERVE POLICY

EASY

 Learn more about our Asset Management process 

If your ability to invest has changed recently – whether it involves a sale of your business, retirement, inheritance or other life event – DBR & CO can help guide you in taking the right steps forward. To learn more about our investment process, contact our Investment Committee Chair, Michael Aroesty, CFP®

Learn more about the DBR & CO approach

To learn more about the DBR & CO approach, contact DBR & CO CEO David Root

d.rootjr@dbroot.com   888.227.0913

Where to find us:

MID-ATLANTIC REGION

 

436 Seventh Avenue, Suite 2800

Pittsburgh, PA 15219-1818

-

Phone: 412.227.2800

Toll Free: 888.227.0913

Fax: 412.227.2805

GREAT LAKES REGION

 

811 Madison Ave, 7th Floor

Toledo, OH 43604

-

Phone: 419.574.9399

Toll Free: 888.227.0913

Fax: 419.574.9356

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© 2019 DBR & CO

This communication is strictly intended for individuals residing in the states of AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY.

Important Consumer Disclosure: D.B. Root & Company, LLC (“DBR & CO”) is an SEC registered investment adviser located in Pittsburgh, Pennsylvania. DBR & CO and its representatives are in compliance with the current registration and notice filing requirements imposed upon SEC-registered investment advisors by those states in which D.B. Root & Company maintains clients. DBR & CO may only transact business in those states in which it is notice filed, or qualifies for an exemption or exclusion from notice filing requirements. DBR & CO’s web site is limited to the dissemination of general information regarding its investment advisory services to United States residents residing in states where providing such information is not prohibited by applicable law. Accordingly, the publication of DBR & CO’s web site on the Internet should not be construed by any consumer and/or prospective client as DBR & CO’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Furthermore, the information resulting from the use of tools or other information on this Internet site should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from DBR & CO. Any subsequent, direct communication by DBR & CO with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of DBR & CO, please contact the United States Securities and Exchange Commission on their web site at www.adviserinfo.sec.gov. A copy of DBR & CO’s current written disclosure statement discussing DBR & CO’s business operations, services, and fees is available from DBR & CO upon written request. DBR & CO does not make any representations as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to DBR & CO’s web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission.

Advisory HQ’s Top Ten advisors’ rankings are based on methodologies used by established financial news organizations and are highly focused on three pillars: total assets under management (AUM), firm size/quality, and the amount of revenue generated by an advisory firm. AdvisoryHQ’s Advisor Selection Methodology is based on a wide range of filters including fiduciary duty, independence, transparency, level of customized service, history of innovation, fee structure, quality of services provided, team excellence, and wealth of experience. The review and ranking articles are always 100% independently researched and written without the ranked Firms knowing they are being reviewed.

Certain supervised persons of DBR & CO, in their individual capacities, as registered representatives of a broker-dealer, may provide securities brokerage services and implement securities transactions under a separate commission based arrangement and may be entitled to a portion of the brokerage commissions paid to the brokerage firm, as well as a share of any ongoing distribution or service (trail) fees from the sale of mutual funds. 

https:/brokercheck.finra.org/firm/summary/35747

A number of DBR & CO’s Supervised Persons are also licensed insurance agents and may offer certain insurance products on a fully-disclosed commissionable basis.  A conflict of interest exists to the extent that DBR & CO recommends the purchase of insurance products where its Supervised Persons may be entitled to insurance commissions or other additional compensation.