AdvisorCensus / Financial advisors / Pennsylvania / Philadelphia / Common Cents Planning
Common Cents Planning
Filed as COMMON CENTS PLANNING · Legal name Planning Directions, Inc.
Common Cents Planning is an SEC-registered investment advisory firm in Glen Mills, PA, registered since 2004, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated February 12, 2026.
Quick answers
From the filingHow is Common Cents Planning compensated?
On its Form ADV (Item 5.E, October 2026), Common Cents Planning reports these compensation arrangements: a percentage of assets under its management; hourly charges.
Where is Common Cents Planning located?
Common Cents Planning's principal office is in Glen Mills, PA, according to its Form ADV.
Is Common Cents Planning registered with the SEC or a state?
Common Cents Planning is an SEC-registered investment advisory firm, registered since 2004. Status as filed: Approved. CRD 120131.
How much does Common Cents Planning manage?
Common Cents Planning reports $542,444,766 in regulatory assets under management in its Form ADV filing dated February 12, 2026 (92% discretionary).
How have Common Cents Planning's assets and staff changed since 2021?
In the Form ADV data for Common Cents Planning: Regulatory assets under management: $304,404,318 in the October 2021 data and $542,444,766 in the October 2026 data, up 78%. Total employees: 6 in October 2021 and 8 in October 2026. Assets under management move with markets as well as with clients coming and going.
What types of clients does Common Cents Planning serve?
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (308); high net worth individuals (144); other (11).
Which custodians does Common Cents Planning use?
Common Cents Planning's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists National Financial Services as a custodian holding 10% or more of its separately managed account assets.
Does Common Cents Planning report any disciplinary disclosures?
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/120131
Does Common Cents Planning state an account minimum?
Its Form ADV Part 2A brochure dated February 12, 2026 says: "Our minimum household size requirement is $500,000.00. CCP reserves the right to waive the minimum investment requirement for any reason in our sole discretion."
What changed in Common Cents Planning's recent Form ADV filings?
In the March 2026 filing data: Regulatory assets under management went from $486,138,859 to $542,444,766 (+12%). Registered or notice-filed in NC, VA.
From the Form ADV filing
Every figure below is as the firm filed it with regulators, as of October 2026.
How the firm is compensated
Item 5.E- A percentage of assets under your management
- Hourly charges
Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ
Fees and minimums
Form ADV Part 2AAccount minimum: $500,000 (the brochure says it may be waived or negotiated)
The brochure's wording
Our minimum household size requirement is $500,000.00. CCP reserves the right to waive the minimum investment requirement for any reason in our sole discretion.
As stated in the firm's Form ADV Part 2A brochure dated February 12, 2026. Fees can differ by service and may be negotiable; the brochure is the complete statement. Read the brochure on the SEC's IAPD site
Regulatory assets under management
Item 5.F$542,444,766 as of October 2026, filing dated February 12, 2026.
A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means
Who the firm serves
Item 5.DA firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.
Advisory services
Item 5.G- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
Registration and firm details
Items 1, 2, 5- Legal name
- Planning Directions, Inc.
- Also doing business as
- COMMON CENTS PLANNING INC
- Registration
- SEC-registered investment adviser. Status as filed: Approved.
- Registered since
- 2004 (22 years)
- Employees
- Total: 8. Performing investment advisory functions: 4.
- Wrap fee program participation
- No.
- Custodians (Schedule D, Section 5.K(3))
-
Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.
- States registered or notice-filed
-
12 states or jurisdictions
SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration
Disclosures
Item 11None Reports no disclosure items on Form ADV Item 11. View on IAPD.
Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures
Assets and staff over time
Items 5.A, 5.F| Data period | Assets under management | Employees | Filing dated |
|---|---|---|---|
| October 2026 | $542,444,766 | 8 | February 12, 2026 |
| October 2025 | $486,138,859 | 8 | April 25, 2025 |
| October 2024 | $422,810,723 | 7 | June 28, 2024 |
| October 2023 | $334,376,326 | 6 | July 6, 2023 |
| October 2022 | $371,251,729 | 6 | August 8, 2022 |
| October 2021 | $304,404,318 | 6 | September 23, 2021 |
Regulatory assets under management: $304,404,318 in the October 2021 data and $542,444,766 in the October 2026 data, up 78%.
Total employees: 6 in October 2021 and 8 in October 2026.
As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.
Changes in the filing
Last 12 months- March 2026
- Regulatory assets under management went from $486,138,859 to $542,444,766 (+12%).
- Registered or notice-filed in NC, VA.
Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.
Websites listed on Form ADV
Item 1.ISource: Form ADV, as of October 2026. Values appear as filed; a value the firm did not report is shown as "Not reported."
Cite this page
AdvisorCensus. Common Cents Planning (CRD 120131): Form ADV filing data as of October 2026. https://advisorcensus.com/firm/common-cents-planning-glen-mills-pa-120131