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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!

Ready to talk to Jennifer?

A 30-minute introductory call is the easiest way to find out if we'd be a fit.