Primary Location

Bellingham, WA

What to expect in the first meeting

Click the 'Book Intro Call' button above to schedule a free introductory conversation. We'll get to know each other and I'll listen to understand your unique circumstances so we can determine the best way to proceed. I look forward to speaking with you.

About Cents of Joy Financial Planning

Cents of Joy offers human-first financial planning for creatives, freelancers, & DIY millennials ready to swap money anxiety for financial joy.

Your life is intentional. Your money can be too.

You show up every day driven by a deep sense of purpose for your family, your work, and your life. You’re a go-getter, a creator, a friend that others look up to. But when it comes to money, perhaps you don’t feel as confident or organized as you want to be.

The financial world is full of jargon, judgment, and unnecessary barriers designed to make you feel small. Frankly, managing your money can be hard—both mathematically and emotionally. But with a little grace, curiosity, and some personalized guidance, you can build a financial life that feels as intentional as you are.

Hi, I’m Audrey. I’m a former film producer turned financial planner, and I founded Cents of Joy to meet you exactly where you are in your financial life. With no income or asset minimums, I offer accessible human-first financial guidance with a specific focus on helping creative millennials, freelancers, self-employed business owners, and newlyweds.

Think of me as your personal CFO: A problem-solving Excel nerd who gives you the confidence to make bold life choices, the clarity you need to spend joyfully, and the peace of mind to focus on whatever you love most.

What We Do

Cents of Joy offers comprehensive financial planning and personal investment advice without managing your accounts. In the industry, this is known as advice-only. I am also a “fee-only” advisor which means I only get paid by my clients and don’t accept commissions. And I'm a "fiduciary" which means I always act in your best interests.

We have no minimum asset or income level. Rather, we focus solely on understanding your unique circumstances and provide objective recommendations aligned with your values, always acting in your best interest. We charge a flat rate based on an estimated number of hours and our hourly rate is $300.

Our most common way of working together is through a 3-4 month integrated planning process that dives deep into all areas of your financial life. We call it The Blueprint. However, we also offer a one hour session on a sliding scale for those that just want to get an urgent question answered. On occasion, we can do custom scope projects as well.

Who We Serve

Our advice-only hourly structure means we can work with just about anyone! However, we have a specific love of helping the following types of folks. If you don’t fit into the categories below, that’s okay, I’d still love to get to know you and see how I could help. If I’m not the right person, I’ll do my best to find someone who is and get you pointed in the right direction.

▪️ Self-Employed Business Owners & Freelancers

Working for yourself is amazing! But financially it comes with unique challenges like irregular cash flow, planning for taxes(!), how to save for retirement, and paying for health insurance/maximizing union benefits. You’ve already got a business to run, so let us take the financial stress off your plate. We’ll help set your financial life up so you can feel more like a 9-5 employee, while still being the boss.

▪️ Newlyweds & Couples Merging Finances

Congratulations! Merging your lives is exciting. But merging your finances can feel overwhelming. From navigating a new tax filing status, figuring out how to organize and manage joint spending, and prioritizing your goals, I’ll help you get on the same page and build a financial life that works for both of you!

▪️ Creative Professionals & DIY Millennials

As a former film producer, I know your passion is your craft, not your cash flow and that you value learning and doing things on your own terms. My goal is to be your financial thought-partner, helping you review the big picture, gut-check your investment strategy, and ensure your approach is setting you up to reach your biggest life goals.

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Advice Only, Public Benefit Corporation, DBA Cents of Joy Financial Planning, is an investment adviser registered with the Securities and Exchange Commission (CRD# 334039 / SEC File No. 801-135290). Our current disclosures, including Form ADV Part 2 and Form CRS, are available on our website at www.adviceonly.com View our Privacy Policy

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