Jennifer Hughes

As an advice-only planner with Modern Cents, my goal is to help clients understand their financial lives in a way that feels calm and manageable. I work with clients on spending, investing, retirement income, taxes, and estate considerations, helping you feel confident in the goals you set for yourself.

My approach balances technical depth with a friendly, educational style. With a Master of Mathematics in Actuarial Science, I bring a high level of analytical rigour to your scenario modelling. However, I make sure our work together is supportive and leaves plenty of room for questions—because understanding a plan is just as important as having one.

My journey to advice-only planning includes over 20 years of experience in pension consulting and traditional investment management. While I spent years managing portfolios and advising on wealth strategy, I realized my true passion lay in the planning itself. This background allows me to bring institutional-level experience to your personal finances while remaining an unbiased partner in your corner.

Outside of work, I’m usually near the water, spending time with friends and family (two- and four-legged), or planning my next travel adventure.