
Modern Cents Planner
Jennifer Hughes
CFP, STEP Associate
Pension and benefits depth meets a knack for making complicated topics feel approachable.
About Jennifer
With nearly 20 years of experience in the financial world, I've built a career that balances deep technical knowledge with a genuine passion for helping people. I've worked on everything from the actuarial side of defined benefit pensions to managing defined contribution plans at the executive level — overseeing investments, plan design, governance, and communication.
But what I've always loved most is making complicated financial topics feel approachable and helping people be more in control of their money. Whether I'm explaining retirement benefits to a room full of employees or walking through a client's financial plan one-on-one, my focus is always on clarity, empathy, and building confidence.
What I enjoy most is helping people take charge of their finances — whether that means creating a clear retirement plan, building better day-to-day habits, or just improving their own financial literacy. I believe financial planning should feel empowering, not intimidating. I'm here to simplify the complicated stuff, help clients ask the right questions, and work through decisions together — always with their goals in mind.
I'm also a lifelong learner currently pursuing my Trust and Estate Practitioner (TEP) designation as an associate of STEP Canada. Outside of work, I volunteer with the Financial Planning Association of Canada and the CRA's Community Volunteer Income Tax Program — because yes, I actually think tax season can be fun!
When I'm not working with clients, you'll likely find me near the water, spending time with friends and family — 2 or 4 leggers! I'll try almost anything once… whether it's skydiving or lawn bowling, and I've always got my next travel adventure in mind. Top of the wish list? Antarctica!
Featured media
Where Jennifer has been quoted.
A selection of recent articles and podcast appearances. See the full media archive for everything.
In the press

RESPs are vital as an education savings tool, but they can also be a teaching device
Globe Advisor · Sep 3, 2026

Garry Marr: Shared home ownership was a feel-good trend. Now some are paying a big price
The Financial Post · Aug 18, 2026

Garry Marr: With housing prices flat, the high cost of moving has never been more clear
The Financial Post · Apr 6, 2026

Borrowing to fund your TFSA or RRSP is tempting — but is it worth the risk?
The Financial Post · Feb 4, 2026

With their mortgage paid, how can Kent and Remy balance charitable gifts and retirement saving?
The Globe and Mail · Sep 26, 2025

Dental costs soaring across Canada as fee guides get updated
The Globe and Mail · Aug 15, 2023
Ready to talk to Jennifer?
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