Audrey Emerson

Audrey Emerson

she/her/hers

CFP®
Fee Structures
Monthly
$200+/mo
One-time
$2,700+
Hourly
$300/hr

About Me

Ready for a more joyful relationship with money? Hi! I’m Audrey and I help creatives, freelancers, & DIY millennials swap money anxiety for financial joy.

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.

My background is a bit unconventional. 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 - especially if it’s not where you want to be. 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.

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. 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.

Why I Became an Advisor

My path to becoming a CERTIFIED FINANCIAL PLANNER® Professional was a somewhat unconventional one. As a former (recovering?) theater kid, I earned a degree in film and spent years as a producer in the dynamic world of social impact entertainment and corporate video.

It was through the lens of my creative community that my interest in finance became deeply personal. My talented friends didn’t have access to traditional employer benefits like 401(k)s and affordable health insurance and I felt driven to figure out alternatives, initially to help myself and those around me. This personal exploration ignited a passion that grew as I realized I genuinely enjoyed helping my friends reduce the financial drama in their life more than being on set. This ultimately led me to pursue my CFP® certification, gain valuable experience with the team at Cultivating Wealth, and finally launch Cents of Joy Financial Planning.

My background in storytelling and understanding diverse perspectives deeply informs my accessible and empathetic approach to financial planning. My hope is that by really listening and getting to know your story, we can build a meaningful, effective, and joyful financial life for you!

Outside of talking about money, you can find me exploring the hiking and biking trails of the North Cascades and hosting monthly themed wine tasting nights with friends. Originally a New Englander, I've happily made Bellingham, WA my home (but still root for all Boston sports teams obviously).

Areas of Specialization

Small Business
Budgeting
Tax Strategies
Home Purchase
Early Career Planning

Ideal Clients

Artists/Creatives
Newlyweds/Couples
Freelancers
DIY Investors
Business Owners

Contact Information

Bellingham, WA
Meets Virtually
Meets In-Person
Accepting New Clients