Meet Fred

Frederick J. Dunbar is chief executive officer of Common Cents Planning, Inc., and Planning Directions, Inc., a Registered Investment Adviser. A graduate of Penn State University, he has been in the financial services industry since 1980 and holds numerous licenses and registrations. 

Fred is also a registered representative of Commonwealth Financial Network®, member FINRA/SIPC. In addition, he is a Chartered Life Underwriter® (CLU®), a Chartered Financial Consultant® (ChFC®), a Registered Financial Consultant (RFC), and an Accredited Investment Fiduciary® (AIF®). He is a member of the International Association of Registered Financial Consultants and was selected as an honored member of "Who's Who in Leading American Executives."

Fred is a past member of the Penn State Brandywine Advisory Board. In addition, he has taught courses on financial planning for the small business owner at Penn State Brandywine, Penn State Abington, and Delaware County Community College. This four-week course was offered through the Small Business Administration (SBA). When not working, he enjoys spending time with his family down the shore, in Sea Isle City, NJ. His hobbies include golf, Penn State football, and just hanging out at the beach. He was selected as a Five Star Wealth Manager* by Philadelphia Magazine in 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, and 2022. Fred writes a column titled "Financially Speaking" for the Seven Mile Times and the Sea Isle Times. 

Frederick J. Dunbar is proud to have been recognized as a Chairman’s Level advisor for 2022—a distinction based on annual production attained by just 4 percent of advisors affiliated with Commonwealth Financial Network.

Each year, Commonwealth, the broker/dealer–RIA that helps us process investment transactions on your behalf, recognizes Chairman’s Level advisors by inviting them to an exclusive gathering of their peers, leading industry experts, and Commonwealth home office staff. Chairman’s Level advisors benefit from an intensive learning and networking experience designed to help them hone their expertise, share best practices, and provide ever-higher levels of service, education, and leadership to their clients. 



*2012 - 2021 Five Star Wealth Manager Award, created by Five Star Professional. The 2022 award was presented in 11/2022 based on data gathered within 12 months preceding the issue date. 3,604 Philadelphia-area advisors were considered, 305 advisors were recognized. Advisors pay a fee to hold out marketing materials. Not indicative of advisor’s future performance. Your experience may vary. For more information, please visit

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