Common Cents FP

Common Cents FP is registered as an investment manager that provides discretionary asset management for pooled vehicles and institutional clients and also offers financial planning and consultation services. The firm is organized as a single‑owner advisory business founded in 2025 and, in its most recent filing, reports no assets under management or individual retail clients.

The firm implements portfolios using fundamental and technical analysis and pursues both long‑ and short‑term strategies, with account reviews performed at least quarterly and periodic performance reporting. It routinely uses third‑party execution and custody (noting a recommended custodian) and may engage Sub‑Advisors to manage all or portions of client mandates and to execute trades on behalf of managed accounts.

Notably, the brochure discloses an explicit authority to select and appoint other independent advisers — including further delegation of discretionary authority — and describes Sub‑Advisor arrangements and fee allocation, a practice that is uncommon among peers. The filing also discloses outside business activities as an insurance agent (approximately 35% of time) and that the firm does not vote client proxies, items institutional counterparties may consider when assessing conflicts and operational practices.