Modular Financial Planning
Have a particular issue to discuss? Project-based planning aims to target a specific issue, and provide actionable recommendations to ease your mind.
There are many different styles of project based planning that could be of interest to you! We work with you to define what your specific needs are on a consultation with one of our planners. Below, we have outlined some examples of what clients often approach us with as a particular project to work on. However, this is not all we can do! Talk to a planner today if none of the options below seems like the right fit.
Click on the option below that best suits your needs to read more details:
Independent Investment Review & Strategy
We provide an objective, transparent assessment of your investments—free from product bias or sales incentives. Whether your portfolio is self-managed, overseen by an advisor, or part of an employer-sponsored plan, our focus is on helping you develop a clear, big-picture investment strategy for your household.
With the assistance of Wealthscope, our review explores key questions such as:
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Are you paying fair fees—and getting real value in return?
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How has your portfolio performed relative to your goals?
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Is your asset allocation aligned with your risk tolerance and objectives?
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Are your investments structured to be tax-efficient?
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Does your portfolio’s risk profile truly match your financial needs?
We also help you navigate your investment options—whether that’s working with a financial advisor, going the DIY route, or using a robo-advisor. If needed, we can assist in sourcing the right portfolio manager depending on your needs.
The only thing we cannot do? Give specific investment advice! As advice-only planners, we cannot tell you what to buy and sell, and whether your current holdings are 'good or bad'.
Our approach puts financial planning before investing, ensuring your strategy serves your broader life goals—not the other way around.
Personal Insurance Analysis & Strategy
We offer an impartial, comprehensive review of your personal insurance coverage—life, disability, critical illness, health, and more. Our goal is to ensure your protection is cost-effective, and aligned with your needs.
Our insurance analysis addresses important questions such as:
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Do you have the right types of insurance for your stage of life?
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Are your coverage amounts sufficient to protect your family and assets?
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Are you overpaying for insurance you don’t need—or underinsured where it matters most?
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How do your policies compare in terms of cost, features, and benefits?
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Are there gaps in coverage that could leave you financially vulnerable?
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Is your group or employer coverage enough, or should you supplement it privately?
We also help you understand the range of policy options available in the marketplace and the pros and cons of each—whether that’s term, permanent, hybrid solutions, or specialized coverage.
If needed, we can assist in finding and evaluating insurance providers or brokers who fit your situation. We present our findings in clear, easy-to-understand terms, so you can make informed decisions without feeling pressured.
Our philosophy is simple: insurance should serve your life plan—not drive it. We help you protect what matters most while ensuring your coverage complements your broader financial goals.
Inheritance & Lump Sum Cash Flow Planning
Receiving a significant sum—whether from an inheritance, a business sale, or another windfall—can be both exciting and overwhelming. We help you create a thoughtful, tax-smart plan to use these funds in a way that supports your long-term goals.
Our approach considers:
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How to prioritize debt repayment, savings, investing, and lifestyle spending
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Structuring funds for short-term access and long-term growth
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Tax-efficient investment and withdrawal strategies
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Planning for charitable giving or family support
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Avoiding common pitfalls like overspending or locking into ill-suited products
We provide a clear, step-by-step strategy so your windfall works for you—not the other way around.
Estate Planning Guidance
Estate planning is about more than wills—it’s about making sure your wishes are carried out and your loved ones are protected. We work with you to ensure your estate plan aligns with your financial goals and family needs.
We cover:
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Coordinating wills, powers of attorney, and beneficiary designations
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Planning for tax efficiency in wealth transfer
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Structuring assets for ease of administration and reduced legal complexity
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Incorporating charitable giving goals
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Preparing your heirs to handle their inheritance responsibly
We help you work seamlessly with legal and tax professionals, making sure your plan is both comprehensive and easy to understand.
Buying Your First Home
Purchasing your first home is a major milestone—and a big financial decision. We guide you through the process so you can buy with confidence.
We address:
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Determining how much you can afford without straining your lifestyle
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Understanding down payment options and mortgage structures
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Assessing the total cost of homeownership, beyond the purchase price
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Weighing trade-offs between location, size, and budget
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Mortgage qualification and rqeuirements
Our goal is to help you secure a home you love while keeping your long-term financial well-being intact.
Our Process
For all of our project based consultations, the process is the same. Should you decide to work on more than one project, your cost and timeframe will increase/vary.
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Initial discovery call (1 hour)
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Two hour long Financial planning review sessions (dictated by complexity)
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Follow up planning deliverables (meeting notes/calculations/written planning recommendations and supporting material)
Timeframe of Modular Engagements
3 months from start to completion
*Any engagements exceeding three months will be charged a retainer fee of $250/month until the engagement is completed.
COST
Adaptive pricing starting from $2,500 + sales tax, quotes given per project
Get in touch
Have questions or need to know if we can help you more specifically?
Indicate your interest by completing our information form to ensure that we align you with the appropriate planner for your needs! Once we have reviewed your submission, we will be in touch to book a complimentary consultation with a Modern Cents planner that is best suited to your needs.
Please note: We cannot work with US or Quebec residents at this time.
