Financial Planning Designed for You!
100% Independent | Registered Investment Advisor | Fiduciary
ABOUT
My name is Brent Dickerson. I am a CERTIFIED FINANCIAL PLANNER TM professional, Enrolled Agent, and founder of Over Coffee Financial. I help motivated individuals, and families, get serious about achieving their future financial goals by providingcomprehensive financialplanning,scientifically based investment management, and effective tax preparation and advice. I am a fiduciary financial advisor in Cleveland. With offices in Rocky River, and from my home in Painesville, I meet with clients all over northeast Ohio. I also work virtually all over the world.
I love to help people see the big picture of their financial future, and we will work together to set goals and develop a roadmap for success.
With regular check-ins and reviews, the financial planning process can help make an uncertainfuture much clearer for youto move forward with confidence.
OVER COFFEE FINANCIAL
COMPREHENSIVE FINANCIAL PLANNING
SCIENTIFICALLY-BASED INVESTMENT MANAGEMENT
TAX PREPARATION, REPRESENTATION + ADVICE
I want to keep financial planning simple. It doesn't have to be complicated with lots of tactics and schemes to reach goals - the science shows us that.
Simple doesn't mean easy, however, and the financial planning process can be a lot like marriage. You have to continually work at it to get the best results.
Over Coffee Financial started as Trinity Wealth Management in Texas, in 2014. We underwent a major change in name and branding in 2018 after arriving in Ohio.
I felt that the name, Trinity Wealth Management, didn't quite define the clients with whom I wanted to work. While the name captured my Christian faith, and my desire to provide charitable planning, it didn't quite capture the comfortable, informal, and relaxed environment I want for my clients. So, everything changed.
I want serious but fun-loving. Your financial goals are a serious matter, but we don't have to live in a button-downed, suit-and-tie world to engage in a thoughtful matter. It's not the clothes, its the results.
PRICING
Fee Type 1
Monthly Fee, plus a low percentage of assets under management
The monthly financial planning fee under this schedule is based on household gross income and is designed for households earning more than $100,000 per year. The monthly fee ranges from $125 up to $2,000.
The investment management fee under this schedule is based on assets under management. With no minimums, the fee ranges from 0.35% to 0.70% of managed assets per year.
Fee Type 2
Monthly Fee, plus a low percentage of assets under management designed specifically for our Young Saver Clients aged 25 to 36
The monthly financial planning fee under this schedule is based on household gross income and is designed for households earning up to$100,000 per year. The monthly fee is $50.
The investment management fee under this schedule is based on assets under management. With no minimums, the fee ranges from 0.35% to 0.70% of managed assets per year.
Fee Type 3
Lump-Sum Fee, plus apercentage of assets under management
The lump-sum financial planning fee under this schedule is designed based on complexity of the financial plan and is charged in two installments - once to begin the plan, and another upon completion. This fee can range from $2,500 to $25,000.
The investment management fee under this schedule is based on assets under management. With no minimums, the fee is 0.95% ofmanaged assets per year.
Tax Preparation + Representation
Tax Preparation and representation is offered a la carte to advisory clients and non-advisory clients. Tax fees start at $90 for preparation and a minimum of $500 for representation before the IRS.
THOSE WE HELP
I want to work with anyone who feels apprehensive and uncertain of their financial future. With that said, my expertise helps the following clients best:
PROFESSIONALS
Your 20s and 30s may have been spent in school or building a profession;too little income meant little saving. Now, in your 40s and 50s, things are different and you're ready to get on track.
Gen-X Professionals
PRE-RETIREES
Your retirement is getting close enough to touch it, but wondering if you were diligent enough in your savings to provide for the lifestyle you desire after retirement.
Getting Serious
LEGACY BUILDERS
You're in retirement, your kids are grown with young children of their own. You've saved your entire life and now you want to leave them a better world.
Charitable Legacies
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