Uncommon Cents Investing

Uncommon Cents Investing provides investment management and advisory services to individuals (including high‑net‑worth clients), employee‑sponsored retirement plans, trusts and estates, and offers separate consulting on estate, real estate and insurance matters; the firm lists a $250,000 household minimum and reported about $519.6 million in regulatory assets under management as of December 31, 2025, most on a discretionary basis. It also serves plan sponsors in an ERISA 3(21) capacity, offering investment screening, monitoring, education and benchmarking services for retirement plans.

The firm develops written client profiles and investment plans and manages portfolios primarily by allocating equity exposure to individual stocks while using ETFs, mutual funds and debt securities for diversification; its stated approach is long‑term and tax‑conscious, and it may adopt more conservative allocations if it judges markets overvalued. UCI conducts periodic portfolio reviews, operates discretionary trading authority with client limits, and makes use of features such as householding for fee calculation and the ability to advise on outside or noncustodied assets.

Distinctive elements disclosed in the brochure include that some registered representatives are also licensed insurance agents who sell life, long‑term care and fixed annuity products (a conflict the firm discloses and mitigates by offering clients the choice of other providers), and that the firm hosts a syndicated radio program which can generate client inquiries. The brochure also notes use of third‑party platforms (Panoramix for reporting and administration) and Charles Schwab as the required qualified custodian, and it discloses the firm’s use of testimonials in its advertising materials.