FAQs

As a fee-for-advice business we’ve computed what it costs to produce our work and how much financial value is being delivered as a result. Because of that we charge a flat fee for our initial work and a separate fee (also flat) for any ongoing work we provide. Our latest fees are provided in our Financial Services Guide.

Yes. We hold Diplomas of Financial Planning, Masters Degrees in Financial Planning, Commerce Degrees and are members of the Financial Planning Association.

Yes. We are Authorised Representatives of MLC Financial Planning AFSL 230692. We pay MLC Financial Planning a flat annual fee for them to provide us with the services of audit & compliance, investment research, an insurance research and legislative & technical research.

Whilst CommonCents Financial Planning is owned by individuals, our licensee MLC Financial Planning is a wholly owned subsidiary of NAB.

None. We do not receive investment commissions, rent subsidies, discounted printers, computers or computer software or fully or partially subsidised tickets to conferences either in Australia or abroad. We are remunerated by our clients only when we can demonstrate sufficient value to warrant.

We have over 30 years combined experience and have insights into the intimate money habits of over 2,000 financially successful families.

We provide the most value to busy young families, typically in their 30’s and 40’s. Many say their income goes to school fees, they wish they had something set aside for a holiday and are frustrated that, despite making good money, they don’t feel any better off.

We employ Superannuation, Life Insurance, Total & Permanent Disability Insurance, Trauma Insurance, Income Protection Insurance, Managed Investments, Investment/Insurance Bonds

Comprehensive advice that may or may not involves us providing implementation services so that our clients can stop worrying about their money problems.