Secure your future with trusted retirement and estate planning

Personalised advice to protect your wealth and plan a secure future for your family, with clear, simple guidance every step of the way.

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What our clients say

“From our first meeting, at a time when we were looking towards a transition to retirement and were unsure what to do, you were able to provide us with lots of information and financial advice, in what to do, moving forward into the future.”

– Monica and Wayne Warwick –

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Take control of your estate planning and retirement

At CommenCents, we understand that planning for retirement and estate matters can feel overwhelming. That’s why our Springfield-based team specialises in helping families prepare for the future with clear, straightforward advice that cuts through the complexity.

Money worries don’t just affect your finances; they impact your well-being and your family’s security. Our goal is to help you feel confident and in control, so you can focus on the things that truly matter.

Why retirement and estate planning matter

Estate planning and retirement aren’t just about numbers on paper. It’s about creating a plan that supports the lifestyle you want and protects your loved ones when you’re no longer able to.

Our experienced financial advisers work with you to:

  • Understand your retirement goals and design a plan tailored to your needs
  • Ensure your estate plan reflects your wishes and minimises stress for your family
  • Provide clarity on how to pass on your wealth thoughtfully and securely

With over 30 years of combined experience, we make complex financial decisions manageable and meaningful.

Our simple approach

We use a proven process to help families like yours confidently navigate estate planning and retirement:

Know

We start by understanding your current situation and what matters most to you. No jargon, just clear, honest conversations.

Change

We identify the strategies and behaviours that need adjusting to improve your financial wellbeing and future security.

Do

Together, we take actionable steps to implement your retirement and estate plan, making sure it works for your life today and tomorrow.

How we support you beyond estate planning and retirement

While estate planning and retirement are our specialties, we also help with everyday financial challenges that families face. From budgeting to investing wisely, our advice always centres on your real goals and peace of mind.

Our boutique firm prides itself on personalised service; we’re not here to sell products but to build lasting relationships based on trust and care.

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CommonCents Financial Fitness ebook

Make smart moves today for peace of mind tomorrow. Start planning now.

Don’t leave your family’s future to chance. Book a free financial planning review with CommenCents today. No pressure, no complicated jargon, just a friendly chat about your goals and how we can help you get there.

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From our first meeting, at a time when we were looking towards a transition to retirement and were unsure what to do, you were able to provide us with lots of information and financial advice, in what to do, moving forward into the future.

This is something we hadn’t received from our previous financial adviser and your approach and attention to detail was absolutely fantastic.

Thanks to you and CommonCents Wealth for allowing us to have financial peace of mind and the knowledge that our investments can grow into the future.

Once again , we would personally like to thank you, Nick. You are very good at what you do.

–  Monica and Wayne Warwick –

I started working with Richard only about a year ago but even in such a short period of time he has made a massive difference in my life.

Before meeting Richard I was really stressed about some very important financial decisions I was confronting. This was having a real impact on my health which has not been good for some years now, and was also having an impact on my relationships with my family.

Richard approached these issues with empathy and understanding. I really felt from the start that Richard had listened closely to my needs, and he built a plan to achieve these. We met about 5 times in the first few months with Richard taking time to explain not only “what” we were going to do but also “why”. For me understanding the “why” was the most important part? As a result I feel so much more comfortable with my finances and I also feel very relaxed about the important decisions I have made along the way.

I would recommend Richard to anyone who has life changing financial decisions to make.

–  ANDREW KINGAROY –

Thank you for your time, support and open ended advice. We really enjoyed meeting with you and are feeling both reassured and energised about our future.   

Your friendly manner, professional conversation and sense of humour made you very easy to talk to and provided us with a lot of really solid, useful information. We will definitely recommend you to our friends and family!

–  Cindy & John Highfields –