# Common Cents Planning

> 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.

- CRD: 120131
- Filed as: COMMON CENTS PLANNING
- Legal name: Planning Directions, Inc.
- Also doing business as: COMMON CENTS PLANNING INC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Glen Mills, PA
- Filing period: October 2026
- Form ADV filing dated: February 12, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/120131
- AdvisorCensus page: https://advisorcensus.com/firm/common-cents-planning-glen-mills-pa-120131

## Quick answers

**How 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

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Fees and minimums (Form ADV Part 2A brochure dated February 12, 2026)

- Account minimum: $500,000 (the brochure says it may be waived or negotiated)

> 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 brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- National Financial Services

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.

### Regulatory assets under management (Item 5.F)
- Total: $542,444,766
- Discretionary: $499,560,474
- Non-discretionary: $42,884,292

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 308 | $134,375,947 |
| High net worth individuals | 144 | $362,988,317 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $1,150,121 |
| Charitable organizations | Fewer than 5 | $44,004 |
| Corporations or other businesses not listed above | Fewer than 5 | $1,002,085 |
| Other | 11 | $42,884,292 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services

### Firm details
- Registered since: 2004 (22 years)
- Employees: 8 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CO, DE, FL, GA, LA, NC, NJ, NY, PA, SC, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- commoncentsplanning.com
- Facebook @COMMON-CENTS-PLANNING-1577904878954852
- LinkedIn @common-cents-planning

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $304,404,318 | 6 | September 23, 2021 |
| October 2022 | $371,251,729 | 6 | August 8, 2022 |
| October 2023 | $334,376,326 | 6 | July 6, 2023 |
| October 2024 | $422,810,723 | 7 | June 28, 2024 |
| October 2025 | $486,138,859 | 8 | April 25, 2025 |
| October 2026 | $542,444,766 | 8 | February 12, 2026 |

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.

## 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.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Common Cents Planning (CRD 120131): Form ADV filing data as of October 2026.