Common Cents Wealth Management, LLC

Common Cents Wealth Management provides ongoing portfolio management and investment advisory services to individuals, high‑net‑worth individuals, and small businesses. The firm prepares an Investment Policy Statement for each client and offers discretionary portfolio management, retirement‑account fiduciary advice, and regular portfolio monitoring.

The firm's investment approach is primarily passive, favoring diversified portfolios constructed largely from ETFs and indexed mutual funds and grounded in Modern Portfolio Theory and a long‑term trading orientation. Common Cents documents client goals and risk tolerance in the IPS and typically seeks discretionary authority to implement asset allocation, asset selection, and periodic rebalancing consistent with that plan.

Noteworthy aspects include a small advisory team — two advisors managing roughly $114 million across about 205 client relationships — and a firm policy requiring clients to custody assets at Schwab Institutional, which gives the firm access to institutional custody, trading, and practice‑management services. The firm discloses that it does not receive commissions or performance‑based fees and imposes no account minimums, features that may be atypical for advisers serving high‑net‑worth clients.