Financial Advisor Near Me
Frequently Asked Questions
Are you a Fiduciary?
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.
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.
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.
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.
Insurance Licensed with the State of Ohio.
Our Commitment to Privacy
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).
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.