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Frequently Asked Questions

Are you a Fiduciary?

Yes. At all times when providing financial planning and advice to a client, a CFP(R) professional must act in the best interest of the client. We have a duty of loyalty and a duty of care to act for our client's best interest, not our own. I abide by the Fiduciary Oath as stated below: I believe in placing my clients' interests first. Therefore, I am proud to commit to the following five fiduciary principles: 1. I will always put my clients' best interests first. 2. I will act with prudence; that is, with the skill, care, diligence, and good judgement of a professional. 3. I will not mislead clients and I will provide conspicuous, full and fair disclosure of all important facts. 4. I will avoid conflicts of interest. 5. I will fully disclose and fairly manage, in my clients' favor, any unavoidable conflicts.

What Conflicts of Interest should I be made Aware?

As an RIA we avoid most conflicts that other financial advisors may not be able to avoid, such as, receiving commissions from the sale of products like securities and insurance. The services offered through Over Coffee Financial are charged based on a fee either as a flat fee, as in the case of creating a financial plan or preparing a tax return, or as a percent of assets under management, as in the case of investment management. In the course of making recommendations, it may be advantageous for the client, and as a result Brent Dickerson, to recommend insurance products through his seperate business, whereby, he is paid through commission sales. Brent's seperate business entity is known as the Dickerson Agency LLC and is an exclusive agent for Farmers Insurance. While Farmers Insurance products, or products of their subsidiary and affiliated partners, may be offered to clients of OCF, there is never a requirement that those products be purchased as a contingency of the planning and advisory relationship. Clients are always free to choose any recommendations made to them and implement those recommendations with any outside professional they choose. Some limitations of this may apply when recommendations and advice is given for investment management.

What is comprehensive financial planning?

Comprehensive financial planning is a term used to describe a process by which we will us qualitative and quantitative information to help you plan to reach your future goals. Furthermore, holistic is a term to signify planning for your whole financial situation. Areas included in comprehensvie financial planning: - Retirement, investments, tax, estate, charitable giving and legacy planning, risk management, etc. Examples of Qualitative information: - Your current health situation, life expectancy, family circumstances, values, attitudes, etc. Examples of Quantitative information: - Age, number of dependents, income, expenses, assets, liabilities, retirement savings, etc.

Do I have to engage you in all of your services or can I choose à la carte?

We believe that in order to maximize the effectiveness and implementation of your financial plan, it is best to incorporate investment management and tax preparation within the comprehensive services we offer. Therefore, we do require that all of our clients engage OCF in the financial planning process and investment management together as inseperable services; however, while highly advised and helpful, tax preparation is a seperable service. We do reserve the right to make a recommendation to find other professionals, including tax preparation professionals, for services that we either cannot provide (legal, accounting, real estate, etc.) or feel others may provide a higher level of service (overly complex tax returns, including corporate returns, estate returns, etc.)

What are your Credentials?

  • 15 years of financial services experience.
  • Master's of science degree in Personal Financial Planning from Texas Tech University.
  • Certified Financial Planner(tm) professional.
  • Enrolled Agent.
  • Insurance Licensed with the State of Ohio.

What is your Privacy Policy?

Our Commitment to Privacy The relationship between Over Coffee Financial and our clients is our most important asset. We strive to maintain your trust and confidence in our firm, an essential aspect of which is our commitment to protect the confidentiality, integrity and security of your personal information. As we believe that all of our clients value their privacy, we do not disclose your personal information to anyone unless it is required by law, or at your direction. We do not sell your personal information to anyone.

Over Coffee Financial will always obtain a signed statement from you declaring that you allow us to share confidential information with non-affiliated third parties; however we will not ask for this unless it is an important aspect of the services you have paid us for. This is to protect you from unsolicited marketing efforts, which Over Coffee Financial does not and will never participate in. Therefore, we do not require your ‘opt-in’ signature. We will only share confidential information if it is at your direction, in response to resolving an inquiry made by you, or in the service of your acconts.

Personal Information That We Collect, Maintain, and Communicate

We collect personal information so we can provide investment management and financial planning services to you. The types and categories of information we collect and maintain about you include:

  • Information we receive from you to open an account or provide investment management/financial planning services to you (such as your date of birth, social security number, address, telephone number, and financial information);
  • Information about your transactions with us, our affiliates, or others to service your account (such as trade tickets and account statements);
  • Information that we receive from third parties with respect to your account (such as trade confirmations from brokerage firms).

In order for us to provide investment management and financial planning services to you, we may disclose personal information that we collect and maintain in very limited instances, which includes:

  • Disclosures that are authorized or requested by you (for example, to receive an insurance quote, providing information such as age or health conditions);
  • Disclosures that are required by law (for example to cooperate with regulators or law enforcement authorities);
  • Disclosures to companies as otherwise permitted by law, including those necessary to service your account (such as providing account information to brokers or custodians).
How We Protect Your Personal Information

To fulfill our privacy commitment, we have instituted practices to safeguard the information that we maintain about you. These include:

  • Maintaining physical, electronic and procedural safeguards that comply with federal and state regulations to guard your personal information;
  • Limiting access to personal information to employees and third parties that are necessary or appropriate to provide services to you;
  • Requiring third parties that perform services to us to agree by contract to keep your information strictly confidential;
  • Protecting information of our former clients to the same extent as our current clients.