Common Cents Wealth Management, LLC

Common Cents Wealth Management provides ongoing portfolio management to individuals, high‑net‑worth individuals, and small businesses, delivering individualized Investment Policy Statements, asset allocation, and regular portfolio monitoring. The firm, operated by a two‑advisor team, reports roughly $113.7 million in assets under management across about 205 client accounts and offers both discretionary and non‑discretionary services with no firm‑imposed account minimum.

The firm emphasizes a passive, index‑based investment approach, primarily recommending diversified portfolios of ETFs and indexed mutual funds informed by Modern Portfolio Theory and a long‑term trading horizon. Investment recommendations are generally limited to ETFs, indexed mutual funds, fixed income and certain insurance products (including annuities), and client risk tolerances and time horizons are documented in each client’s Investment Policy Statement.

Notable distinctions in the brochure include Common Cents’ recent transition from state to SEC registration after reaching the SEC threshold and its requirement that clients custody assets at Schwab Institutional, an arrangement that provides access to institutional services and creates potential soft‑dollar benefits disclosed in the brochure. The firm also discloses that it does not accept performance‑based fees, does not receive commissions for product sales, and provides monthly custodian statements and separate fee invoices, practices that may differ from some peers.