Services

Planning in Motion: A Real Life Way to Manage Your Wealth.

We don’t believe in static reports that end up in a drawer. We believe in adaptive strategies that move as fast as your life does.

Our Philosophy

Traditional financial plans often suffer from the same problem: they are too big, too loud, and too hard to digest. Most end up as "virtual paperweights"—impressive to look at, but rarely used.

At Modern Cents, we practice Adaptive Financial Planning.

Instead of overwhelming you with a hundred-page projection, we break your strategy down into a series of focused mini-projects. We’ve found that our clients achieve far greater success when they have three clear action items to complete, rather than twenty. By moving in bite-sized pieces, we ensure that every strategy is actually implemented, not just discussed.

Built on Trust, Not Just Templates

We believe that trust isn't granted; it’s built over time. Our goal is to develop an ongoing relationship that makes proactive planning feel comfortable and easy, rather than intimidating.

Whether you are navigating a major life transition or just looking for a professional "second set of eyes," we are here to provide the leadership you need to ensure you will BE OKAY.

Choose Your Path

We offer a range of service options designed for every stage of life and every level of complexity. Select a path below to learn more about how we can work together:

Comprehensive Financial Planning

This is for you if you want a professional partner to walk alongside you for a full year to organize every corner of your financial life, from your daily spending to your long-term legacy. It’s the right fit if you’re looking for a deep, holistic relationship that builds your confidence through step-by-step education and a fully coordinated strategy.

Project Based Financial Planning

This is the best option if you have one specific "mini-project" on your mind—like buying a home, analyzing your insurance, or reviewing your investment strategy—but you aren't ready for a full-scale plan. It’s perfect for you if you value professional, unbiased expertise on a single pressing issue without any long-term commitment.

Retirement Planning

This program is specifically for Canadians who are within ten years of retiring—or are already there—and want to make sure they aren't missing any critical steps. It’s designed for you if you’ve done a great job saving and now need a clear, professional second opinion to coordinate your pensions, investments, and government benefits into one cohesive plan.

Ad-hoc

Consultations

This is for you if you simply have a few specific questions and want a quick, one-hour session with a Certified Financial Planner to get professional clarity. It’s a great way to get a second opinion or "unstuck" on a particular topic without the need for a deep dive or ongoing service.

Wealth Foundations

This program is for you if you're in the early-to-mid stages of your career and want to stop wondering if you’re doing the "right" things with your money. It’s designed for proactive Canadians who are ready to build a solid base by mastering their cash flow, choosing the right tax-sheltered accounts, and setting up a clear investment strategy they can feel confident about.