The query you constructed will give you a result set containing DirectBillMoneyRcvd entities. Any dot path references you invoke to get child data items (like policyperiod, account, distitems, etc) will be separate queries. The Gosu query api doesn't produce "merged" joins in result sets. Although there are ways to reference data in the joined entities (see product docs) that won't help you in this instance.

Without seeing the toDTO... code it's hard to say if there's any further improvement to be made - that is, are you referencing dot paths multiple times or are you referencing them once into a variable (among other best practices). That optimization is where you should focus your attention. Get rid of the non-required joins and try to optimize your toDTO code.