C
Common Cents Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Clients per advisor
0
Average account size
—
About
Common Cents Financial Planning provides fee-based, comprehensive financial planning services to individuals, families, and small-business owners, and specifically intends to offer discounted or pro bono planning to current and retired firefighters. The firm is operated by a sole owner on a part-time basis and plans to cover the full financial spectrum in its plans, including investments, insurance, estate, tax, and retirement planning.
Rather than managing client assets on a discretionary basis, the firm provides investment recommendations as part of its financial plans and emphasizes diversified allocations across equities, fixed income, and alternatives tailored to client objectives and risk tolerance. It does not take custody or discretion over client accounts, recommends custodial firms such as Charles Schwab, Fidelity, and Vanguard, and encourages roughly annual plan reviews while operating under a fiduciary standard.
Compared with typical investment-manager firms, this advisor focuses on retail and small-business planning rather than pooled or institutional asset management and uses hourly and flat-fee billing instead of percentage-of-AUM compensation, while not charging performance-based fees. The principal entered the business after a long career outside financial services, runs the firm without industry affiliations or employees, and plans to allocate volunteer time to first-responder support—features that differentiate its operating model from larger asset-management peers.
Client services
Financial planning
Occupation focus
Retired
Founder/Business Owner
Demographic focus
Retired
Fee options
Up to $5000 flat fee for a complex, comprehensive financial plan
Up to $250 per hour (maximum)
Fee-only: Maximum hourly rate of $250 or a maximum $5000 flat fee for a comprehensive financial plan
Main office location
Common Cents Financial Planning
425 Trailhead Dr.
Abita Springs LA 70420, United States
Number of offices
1
Most active in
Common Cents Financial Planning has reported serving >5 clients in these states in the last 12 months.
Louisiana
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")