Common Cents Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Common Cents Financial Planning is a state‑registered, solo independent advisory firm that provides fee‑based comprehensive financial planning to individuals, families, trusts, and small business owners. Services center on written financial plans addressing investments, insurance, retirement savings, taxes, and estate considerations, delivered under a fiduciary standard.
The firm develops investment recommendations after a comprehensive review of each client’s financial profile and typically favors diversified allocations across equities, fixed income, and alternative investments tailored to goals and risk tolerance. Advice is advisory only—Common Cents does not manage client accounts, take custody, or accept discretionary authority, and clients implement recommendations through third‑party custodians the firm recommends.
The principal is a retired engineer who established the practice with a stated focus on providing discounted or pro bono planning to active and retired fire personnel and on working part‑time while volunteering, a background and operating model that distinguish the firm from many peers. The firm also departs from common industry practices by avoiding performance‑based or percentage‑of‑assets fees and limiting its work to planning engagements and hourly projects rather than ongoing portfolio management.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Up to $5,000 flat fee for complex, comprehensive financial plans; Maximum $1,200 upfront if work lasts over six months with balance due on completion.
Maximum hourly rate of $250; $150 per hour for additional tasks beyond initial plan.
Fee-only: Hourly rate up to $250 per hour; Flat fee up to $5,000 for complex comprehensive plans; $150 per hour for additional services beyond scope.
Main office
Abita Springs LA
Advisors at this office
1
Most active in
Louisiana
Also doing business as
Common Cents Financial Planning · Common Cents Financial Planning LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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