Common Cents Wealth Management, LLC

About Common Cents Wealth Management

At Common Cents Wealth Management, we believe in the power of passive investing—a strategy rooted in research and backed by financial science. Instead of trying to beat the market, we focus on building portfolios that match the market, with less risk and lower costs.

Why Work with Us?

Our key features and benefits:

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Fee-Only Advising

No commissions, no sales quotas. Your financial success is our sole priority.

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Passive Investment Philosophy

We believe in letting the markets work for you, using proven, low-cost strategies.

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Tax Efficiency

Our portfolios are designed to minimize taxes, using no-load mutual funds and ETFs.

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Holistic Approach

We integrate tax, estate, and investment planning into a comprehensive, life-aligned strategy.

Our Core Beliefs

Markets Work

At Common Cents, we believe that markets are efficient. It’s not about trying to pick the next winning stock or outperforming the market. Statistics show that even professional managers rarely beat the market. Our approach focuses on matching market returns through smart, diversified investments.

Did You Know?

According to a study by Quantitative Analysis of Investor Behavior (QAIB), the average investor underperformed the average investment by 4.32% annually. Our goal is to help you avoid that gap and capture the market’s potential.

How We Build Portfolios

  • Diversification Matters

    Don’t put all your eggs in one basket. By spreading investments across many asset classes, we reduce risk and improve the chances of long-term success. We build globally diversified portfolios using 10-15 different asset classes, from small-cap stocks to international funds.

  • Reducing Risk, Not Chasing Returns

    A well-diversified portfolio helps minimize the impact of market downturns. While many think holding an S&P 500 index fund is enough, we ensure exposure to a wider range of asset classes, including small-cap and international markets, to reduce risk even further.

  • Passive Investing

    Stock and bond markets are incredibly efficient, meaning that it’s nearly impossible to consistently “beat the market” by picking individual stocks. Instead, we use passive investments—like index funds and ETFs—to match market returns, rather than trying to outguess it.


    Key Benefits of Passive Investing:

    Low fees: No 12b-1 fees or high management costs.

    Tax efficiency: Minimal turnover, resulting in fewer taxable events.

    Consistent performance: Outperforms most actively managed funds over the long term.

Holistic Advice for Comprehensive Financial Planning

Big-Picture Thinking

We don’t just look at your investments in isolation. At Common Cents, we provide holistic financial advice that integrates your investment strategy with tax planning, estate planning, and insurance. This ensures that every decision supports your broader financial goals.

What is Modern Portfolio Theory (MPT)?

The Science Behind Our Strategy

Instead of trying to pick winning stocks, Modern Portfolio Theory focuses on maximizing return for a given level of risk. We design portfolios that balance potential growth with volatility, ensuring you get the best possible return for the level of risk you’re comfortable with.

We build portfolios based on your personal risk tolerance, using statistical analysis to minimize risk while maximizing long-term returns.

Quotes from the Experts

“By periodically investing in an index fund…the know-nothing investor can actually outperform most investment professionals.”

— Warren Buffet

“I do not believe that they (investment advisers) can identify, in advance, the top-performing managers—no one can!”

— John Bogle, Founder of Vanguard

Why Diversification Matters

Diversification reduces risk. By spreading your investments across different asset classes, from stocks to bonds and everything in between, you lower the chances of a major loss. Holding a mix of 10-15 asset classes offers a broader safety net.

Work With Us and Focus on What Matters

Instead of constantly watching the markets and stressing over individual stock picks, wouldn’t it be better to build a portfolio that gives you the freedom to focus on what truly matters in life? With our passive investment strategy and fee-only advising, you can trust that your money is working hard for you.

Our Team

Jeremy Brinkmeier

Jeremy has been a dedicated professional in the financial services industry since 1997, bringing decades of experience and a commitment to helping clients achieve their financial goals. Known for his passion for efficiency, Jeremy leverages the latest technology to streamline processes and enhance client service. He expertly crafts financial plans for clients and runs the presentations.



Outside of work, Jeremy enjoys spending time with his wife, Cheri, and their two lively border collies. When he's not busy with family or pets, you'll likely find him out on the open road, enjoying his favorite pastime — motorcycle riding.

Martin Rosenthal

With a career in financial services dating back to 1997, Martin brings both experience and a unique educational background to his work as a financial advisor. Prior to entering the financial industry, Martin spent 10 years as a mathematics educator, where he developed a passion for teaching and guiding others — a passion he now brings to helping clients understand their financial strategies. Martin is dedicated to presenting plans that align with each client’s goals.



Outside of work, he enjoys time with his wife, Maria, his three children, Jeremy, Jordan, and Jenna, and his grandson, Brayden. Family travel is a favorite pastime, and they make the most of every opportunity to explore new places together.

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