In Our Clients' Own Words

Testimonials.

Reviews from real Modern Cents clients across consultations, comprehensive planning, and cross-border engagements.

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."

Laura, Toronto·Cross-Border Comprehensive·worked with Andrea

More confidence for retirement on both sides of the border

"Vikki developed a comprehensive financial plan that recognized all the intricacies and complexities of our cross-border retirement. She answered our questions clearly and provided an integrated strategy for moving forward. Perhaps most importantly, Vikki gave us confidence that we are on a solid financial path to a rewarding retirement. She did all of the above in a pleasant and professional manner, and for that we express our sincere thanks."

Tom and Sarah·Cross-Border Retirement·worked with Vikki

A plan that fit—without overwhelming the conversation

"From the get-go working with Andrea has been an absolute pleasure. Not only is she extremely well versed in complicated financial topics, but she also brings a tremendous amount of experience to the table. After our introductory session, it was clear to me that the subscription-based service fit with my requirements, and we immediately got to work. Andrea really took the time to understand my financial situation, using tools to guide our discussion but not overwhelm them. For topics I did not understand, Andrea provided excellent examples and educational resources. Meetings were efficient and scheduling was a breeze. Within a short period of time, we were able to establish a plan that was right for me."

Adrian, Toronto·Comprehensive·worked with Andrea

A focused hour, with clear next steps

"I met with Andrea for an hour to discuss my RIF portfolio strategy and came away enlightened and impressed. She is focused, attentive and well informed, and has excellent communication skills. She is far and away the best advisor I've dealt with over the last 14 years. I also appreciated the enthusiasm and client focus she brings to the often entangled details of financial planning. She came well prepared for the meeting and afterwards sent me a PDF of the portfolio analysis as well as detailed notes on our discussion. I highly recommend her."

Stephen B., Ontario·Ad hoc·worked with Andrea

Helpful expertise, made approachable

"Great interactions with Jennifer Hughes with the opportunity to learn from her expertise and experience."

Client testimonial·worked with Jennifer

Placeholder image of the Modern Cents planning team

Meet your planners

Four planners. One bench.

Modern Cents is a women-led firm of four CFPs — Andrea, Vikki, Jennifer, and Shay — built on Bay Street experience and an advice-only fee model. We work with Canadians at every stage, from first-home savers through retirees with cross-border complexity.