Modern Cents · Advice-Only Financial Planning
Financial planning for life as it actually unfolds.
We help Canadians — including those with U.S. ties — make confident financial decisions through every stage and surprise. Advice-only, ongoing, and built around a real relationship that adapts as your life does.
Prefer to talk first? Book a complimentary consultation
Our philosophy
Adaptive Financial Planning.
Plans built on a 100-page document and a once-a-year review don't survive first contact with reality. Markets move. Tax rules change. Kids arrive. Promotions land. Borders get crossed.
That's why our preferred way of working is an ongoing planning partnership — getting to know the people behind the numbers and staying close to your life as it changes, so the plan keeps pace with you instead of sitting on a shelf. When a one-time project or a focused consultation is the right fit instead, we offer those too. Either way, it's built on trust, not templates.
Independence first
No commissions, no AUM fees, no product sales. Flat fees agreed in advance.
Adaptive delivery
Mini-projects you can implement this month, not a binder you'll skim once.
Cross-border depth
Retirement, accumulation, and pensions across the US/CAN line — without losing the plot.
Women-led firm
Bay Street experience, brought to a model that puts the client first.
How we work together
Start with comprehensive planning. Or pick a focused engagement.
Most households we work with start with our flagship comprehensive plan. If you'd rather scope something narrower, we offer two more focused engagements below.
Comprehensive Planning
An ongoing planning partnership that adapts as your life and the rules change — domestic or cross-border.
Explore comprehensive planningWhat's included
- A dedicated planner who gets to know your family, your goals, and the story behind the numbers — and stays with you year after year.
- Regular meetings throughout the year delivering planning analysis and recommendations across all six financial planning disciplines — financial management, insurance and risk management, investment planning, tax planning, retirement planning, and estate planning.
- A planner who sees your full picture — cash flow, tax, investments, retirement, insurance, and estate — so the advice you get reflects how the pieces fit together, not just one slice at a time.
More focused engagements
Not sure which one fits? Answer four quick questions.
We'll point you at the engagement that lines up with your life stage, the kind of help you're after, and your cross-border footprint — with a runner-up worth a look. Nothing leaves your browser.
A cross-border plan for the whole family
"Andrea is wonderful and has saved us thousands of dollars. She is a walking encyclopedia of both US and Canadian finances and estate planning. We did a comprehensive consultation. She patiently reviewed my 90-year-old Canadian mother's finances with my mom, myself and my American brother. She walked us through the steps we needed to take, warned us of potential challenges and taught us strategies to overcome them. We all learned so much and together we came up with a sound strategy. She is professional, organized, an invaluable resource and a really lovely person to work with. I would recommend her to anyone who needs any kind of financial advice."
In the media
Where you've heard us lately.
Our planners bring an advice-only, cross-border perspective to leading podcasts and the press — translating big financial questions into decisions you can actually make.
Explore all media
Featured appearance · The Wealthy Barber Podcast
#61 — Andrea Thompson: The Growth of Advice-Only Planning & Cross-Border Tips
Hosted by Dave Chilton · Featuring Andrea Thompson · Jun 16, 2026
Listen to the episode
Latest external appearance · The Get: Neo Financial
How Much Does Dating Cost in 2026? + Navigating a Prenup | Get This Ep. 4
Hosted by Neo Financial · Featuring Jennifer Hughes · Aug 25, 2026
Listen to the episodeCross-border specialty
Retirement, savings, and pensions on both sides of the border.
For U.S. citizens living in Canada and Canadians with U.S. assets or pensions — we plan how you save, invest, and draw income across the line. We're not your accountant or your tax preparer; we're the planners who make sure RRSPs, 401(k)s, IRAs, CPP, OAS, and Social Security all add up to one retirement, not two half-built ones.
See how we helpRRSP · 401(k) · IRA
Building retirement assets in both systems.
CPP · OAS · Social Security
Pensions coordinated across the border.
401(k) → RRSP
Rollover decisions, treaty-correct.
Investing across borders
Account structure that travels with you.
Free Tools
Run the numbers yourself.
Canadian-first scenario apps for higher-stakes money decisions — live HISA yields, historical return ranges, pension-vs-lump-sum, mortgage modeling, and asset-allocation ETF research. No sign-ups, no email harvesting.
Frequently asked
What people ask before working with Modern Cents.
Plain-language answers to the questions we hear most often about advice-only planning, our team, and how we work with Canadian and cross-border clients.
Ready to talk?
A complimentary 30-minute introductory call. No pressure, no pitch — we'll confirm whether we're a fit, and if we're not, we'll point you to someone who is.
Book your consultation