Modern Cents
Team: Andrea Thompson, Vikki Brown, Shay Steacy, Jennifer Hughes (CFPs)
CFP (multiple)
Pricing
What they charge
- Comprehensive: $3,000 indiv / $4,500 couple onboarding + $199-$330/mo retainer
- Retirement plan from $3,500 indiv / $4,500 couple
- Ad hoc consult $375/hr domestic, $575/hr cross-border
Fees are listed as the firm states them. Confirm current pricing with the planner directly.
Fee model
Flat-fee, Hourly, Subscription
Client minimum
No minimum
Coverage
Virtual across Canada
Verified
June 2026
Why advice-only
Fees that don't grow with your savings
Illustration on a $500,000 portfolio growing 5% a year. Run your own numbers →
What you pay Modern Cents
Paid directly by you, for the advice and the plan.
What you never pay
- Product commissions
- A percentage of your portfolio
- Trailing fees on funds
- Sales loads or exit charges
Specialty
Areas of focus
U.S./Canada cross-border planning
What's included
Services
Comprehensive ongoing planning, retirement & decumulation, ad hoc consultations; cash flow, tax, investments, retirement income, insurance, estate
Work with Modern Cents
Advice-only and commission-free, CFP (multiple)
Independently listed in our fee-only directory. Last checked June 2026.
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