Trusted Wealth Advisor · Maj USMC (Ret'd) · CFEI
Dale Dicks
"Making Complex Financial Decisions… SIMPLE."
What would you like to leave behind for your family — clarity or chaos?
About Dale
A trusted guide for the decisions that matter most.
For more than 25 years, Dale Dicks has been helping clients make smart choices about their money. As a Trusted Wealth Advisor, he specializes in advanced financial strategies including cash flow management, wealth building, and legacy planning.
A retired Major in the United States Marine Corps and a Certified Financial Education Instructor (CFEI), Dale brings years of military and civilian experience together with formal education in leadership, management, and human capital training.
He is an exceptional trainer and motivational speaker — captivating audiences and engendering a high level of engagement — and an advisor who translates complex financial choices into a clear, written plan you actually understand.
Independent · Client-First
An independent practice built around your retirement.
Through Sage One Financial, Dale serves individuals and families preparing for, planning, and living in retirement. The focus is straightforward: tailored retirement strategies and insurance solutions designed to deliver guaranteed lifetime income, asset protection, and meaningful tax efficiency — a holistic approach to the money you've worked hard to build.
Areas of Focus
Solutions built around your family.
Cash Flow Management
Optimize the money flowing through your household so every dollar has a purpose.
Wealth Building Strategies
Advanced approaches to grow and protect assets across market cycles.
Tax Minimization
Keep more of what you earn through smart, legal tax-efficient planning.
Legacy Planning
Make sure the right people receive the right assets — without confusion or delay.
Retirement Income
Turn a lifetime of savings into reliable, lasting income you can count on.
Six Planning Considerations
The risks every retirement plan needs to answer.
These six forces will shape your retirement. The question isn't whether they'll affect your finances — it's by how much. We help you measure each one and build a strategy that responds.
Longevity
The risk of outliving your assets as life expectancy continues to climb.
Inflation
The steady erosion of real purchasing power as the cost of living rises.
Mortality
The financial impact on a household when a spouse or partner passes away.
Liquidity
Limited access to assets when life's unexpected needs arrive.
Market
Unexpected drops in portfolio value at the exact moment income is needed.
Taxes
Rising taxes that quietly reduce income today and shrink the legacy you leave behind.
Our Planning Process
Three steps. One disciplined plan.
Start Smart
Gain a clear understanding of your full financial picture — goals, risk tolerance, and the key considerations that should shape your retirement.
Apply Discipline
Design a retirement strategy built to optimize wealth and protect what you've earned, with your goals always at the center.
Communicate Progress
Stay informed with visibility, proactive outreach, and an advisor who is genuinely accessible throughout the relationship.
Services
A complete toolkit for retirement.
Practical strategies that meet real-world needs — optimally, efficiently, and cost-effectively.
Questions Families Ask
The conversations that matter most.
- ◆Am I paying more in taxes than I need to?
- ◆Will my income last throughout retirement?
- ◆Is my family protected if something happens to me?
- ◆Are my assets positioned for maximum growth and safety?
- ◆What legacy will I leave behind for the next generation?
- ◆Do my beneficiary designations still reflect my wishes?
The Clarity Process
A simple path from questions to confidence.
Discovery Conversation
We discuss your goals, concerns, and family situation in plain language.
Comprehensive Review
We evaluate cash flow, assets, tax exposure, and planning opportunities.
Strategy
You receive clear recommendations and education about the options available to you.
Implementation
When you're ready, we help put the strategy into action — and stay with you for the long term.
Let's Talk
A simple conversation, no pressure.
Reach out by email or the form and Dale will get back to you personally. For additional insight into his practice, visit Sage One Financial.
- ✉sageonefinancial@gmail.com
- ☏(240) 245-0095
- ⌖5 Public Square, Ste 301 #A23
Hagerstown, MD 21740 - ◆www.sageonefinancial.com
- inlinkedin.com/in/sageonesolutions