Justine Kelly
Justine Kelly is a personal financial planner at Modern Cents in St. Thomas, Ontario. Her challenging upbringing, which included time spent in foster care and financial instability, inspired her to master the art of budgeting and financial independence from a young age. Through her experiences, she has developed a passion for helping others navigate their financial lives, emphasizing the importance of relationships over mere numbers in the financial industry. Justine's unique perspective on money management, shaped by her past, enables her to offer valuable insights to her clients, guiding them towards achieving their financial goals.
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Recent news mentions
Justine Kelly, a certified financial planner, assessed Luke and Lori’s retirement situation.
Can Luke, 56, afford to retire soon while paying for his kids’ education?
Canada· 2025-08-30
Justine Kelly, personal financial planner at Modern Cents in St. Thomas, Ont., talks about growing up in and out of foster care, and how that experience taught her to budget and work toward financial independence long before she was helping others with their finances.
This advisor’s upbringing led her to master living on less – a skill she now teaches othersCanada· 2025-03-27