What we do

More about us

Isn’t it funny how most of us will pay hundreds of dollars to get others to look after our health, but panic at the thought of paying someone to keep us financially fit.

The good news is, that’s starting to change. More and more families are realising the effect financial pressure can have on their wellbeing, and the sooner they take control of their finances, the less stress they face down the line.

Looking after your money doesn’t have to be scary. At CommonCents we love helping people improve their relationship with money because, we know, a good financial plan enhances their overall wellbeing.

The other good news is, most of the financially fit people we know follow ordinary, sometimes boring strategies, and are masters of the greatest financial quality of all – patience.

We love making money matters simple for our clients so they can start living a richer life, with less stress and more energy for their dreams and the things that really matter to them.

Our boutique agency is based in Toowoomba and we pride ourselves on taking a practical and holistic approach to finances. Our financial planning background covers over 30 years combined, and we use that experience to bring comfort, security and peace of mind to all our clients. Over the past few years we’ve purchased a number of financial planning practices from retiring advisers, and our aim is to build on and improve the legacies they left behind.

We’re always free for coffee and love to discuss lifelong dreams with our clients. If you want to know how we can support you and your family, jump in and book a coffee date. The latte’s on us.

Our philosophy

Unfortunately, financial worries are a significant source of modern stress.

At CommonCents we aim to improve the wellbeing of all Australians, by improving their relationship with money. Over the past 30 years, we've helped thousands of families get financially fit, and seen it fundamentally improve their wellbeing. Our fool-proof philosophy is based on three core values that focus on education, behaviour and action, or as we like to call it, Know, Change, Do.


When you first come to us we’ll start by finding out what you know and what you don’t know, then teach you the fundamentals you need to know. We’re not here to make you an armchair economist, and in fact we do things differently to avoid the typical jargon and complexity associated with the finance industry. Our goal is to give you the fundamental knowledge you need to make consistently smart choices with your money.


Once you know the fundamentals we work closely with you to map out what needs to change. In the past, change might have referred to getting a new home loan or trying out a fancy new financial product. Typically, this change may have resulted in a small improvement for you and a big reward for the financial provider, but these kind of changes will never really improve your wellbeing. For a change to deliver real and meaningful improvement it needs to be a change in strategy, behaviour, or both. As we know, any long-term and meaningful improvement in your wellbeing is going to require change.


After change comes do. It’s not enough to gain new knowledge and commit to a few adjustments, the real magic comes when you take action. It’s all good and well to plan a better diet or agree to more exercise, but if don’t do the healthy eating, or consistently move, your health won’t improve. Your financial wellbeing is no different to your physical wellbeing. Like the famous Nike slogan says, Just Do It

At CommonCents we’re committed to helping you experience a richer life. Know, Change, Do is a tried-and-tested strategy, and our way of supporting Australian families.

Financial Service Guide

If you love detail our Financial Services Guide (FSG) will float your boat and clarify who we are and what we do. 

It includes:

  • The services and types of products we offer.
  • How we and our associates are paid and any other benefits we may receive.
  • Any potential conflicts of interest we may have.
  • How we protect your privacy and handle your personal information.
  • How we resolve disputes, and what you should do if you have one.

Meet our team

Nick Girle
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“Only 20% of money success is what you know, the remaining 80% is what you do.”

The term rich means different things to different people and my career has been spent teaching individuals, from all walks of life, the right knowledge and behaviour so the actions they take around money, are meaningful and relevant to their lives.

I’m a big believer that common sense trumps complexity everyday. At CommonCents we work with motivated mums and dads to help them achieve a life free from financial stress. Our proven framework, and practical step-by-step actions, help our clients achieve their goals, with more cash to spend on the things they really value.

I became involved in the Financial Services industry with the Suncorp group, before taking on a Senior Planning role with NAB Financial Planning. We established Common Cents Wealth, in 2011, so I could focus on what’s really important – a client’s financial success. I enjoy getting to know our clients and take the time to understand their family’s hopes and dreams.

If you want to chat, call us on 1300 376 781, or come and see us for coffee.


  • Diploma of Financial Planning: Deakin University 
  • Master of Financial Planning: University of Sunshine Coast

Professional Memberships

  • Financial Planning Association of Australia (FPA)
Richard Brannelly
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It concerns me that financial stress can lead to divorce, broken families, depression, and worse.”

I grew up in a loving family and the only disagreements I recall between my parents was over money. I remember coming home from School one day to find my dad already home from work. He was emotionally distraught as he told us he’d been made redundant.

My family got through this tough period but it’s something I’ll never forget. My parents lacked a financial plan and, like most families, had lots of financial commitments. They had no one to turn to for help and the stress led to arguments, anger and frustration. It concerns me that financial stress can lead to divorce, broken families, depression, and worse. As a result, I always want my clients, regardless of their challenges, to feel secure and never lose sight of their hopes for the future.

Today, Australian parents are more worried about money than ever before and I’m proud to say I’ve devoted my working life to changing this. I want my colleagues and clients to know the only product I ever sold was great advice.

Since 2001 I’ve met thousands of Australians from all walks of life – high incomes, low incomes, self-employed, business owners, rich families, poor families – and I’ve coached them all on the knowledge, behaviour and action required to get ahead.

CommonCents was founded to deliver the outcomes families cherish most. Most people couldn’t care less about the latest money fad or financial product, what they do crave is a trusted partner who will help them make the right choices, so they can live the life they want.

If you want to talk, call us on 1300 376 781, or better still, stop by for a coffee.


  • Bachelor of Commerce UQ 1995
  • CPA Deakin University 2000
  • Diploma Financial Planning Deakin University 2001

Professional Memberships

  • Financial Planning Association of Australia (FPA)
  • Self Managed Super Funds (SMSF) Association
Melinda Neale

When I joined CommonCents in 2015 I’d had years of experience with NAB Financial Planning, and fourteen years working in administration roles in both the Queensland Government and private business, as well as retail and hospitality. I’m committed to giving all our clients outstanding customer service and a memorable experience.

I grew up locally, and went to school in Toowoomba and Bundaberg. And as a mum of two gorgeous boys, I understand how important financial security is to all families and highly value the work of our trusted financial planners.

Call us today on 1300 376 781 and make an appointment.

Alfie Omega

After a vast amount of experience in the financial industry, I joined the CommonCents family in 2016. My sole focus is to keep our data quality first-rate. I consistently strive to leave no stone unturned when it comes to understanding our clients full financial situation, so our Planners can provide the best advice.

Got a question? Call us today or book an appointment. 1300 376 781.

Karen Donnelly
Karen Donnelly

I’m a bit of a perfectionist when it comes to attention to detail and spend a significant amount of time in the office building our financial modelling. Since joining CommonCents in 2020 I strive to achieve top results in my client work and interactions.

Give us a call on 1300 376 781 to see how we can help you.

Cristine Inso

With a background in banking and client services, I thrive within a team environment and work closely alongside our advisers to deliver the best results for our clients. My focus is to find efficiencies in every element of my role, freeing up our advisers to spend more time with our clients.

Whilst I love to keep busy, I also appreciate down time with my family and refining my cooking skills …especially desserts.


All our position are currently filled, but we know you can’t keep great people in one place forever. 
If you’re interested in joining our team in the future, please send your resume to us via the Contact Us page.

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