Theresa Todman

About Me

Hi, I’m Theresa Todman, Financial Coach, Accountant, and Business Strategist. With over 20 years of experience in the financial industry, I’ve had the privilege of helping individuals, families, and entrepreneurs take control of their money and move toward financial confidence.

Through my business, B&M Financial Management Services, I provide personalized financial coaching designed to simplify money management, reduce debt, and build a clear path toward long-term financial success. I believe financial coaching isn’t just about numbers—it’s about giving you the tools, strategies, and confidence to make smart money moves that align with your goals.

Whether you’re managing household finances, preparing for retirement, running a small business, or navigating life transitions, I guide my clients step by step to create practical strategies that work in real life. My approach is supportive, encouraging, and focused on creating results you can feel good about.

I specialize in Budgeting & Money Management, Debt Reduction Coaching, Savings & Goal Planning, Mindset & Behavior Coaching, Credit Coaching, Business & Entrepreneur Coaching, and Life Transitions Coaching.

Together, we’ll build a plan that helps you stop stressing about money and start thriving financially.

Coaching with me

Results & Goals

Financial Coaching Case Study:

One client came to us overwhelmed by debt and struggling to stay on top of bills. Through our coaching sessions, we built a clear budget, created a debt payoff plan, and introduced simple money management strategies. Within six months, they had paid off two credit cards, built their first emergency fund, and felt more confident about their financial future.

Budgeting & Money Management – I Help clients create realistic budgets, track spending, and align money with goals.

Debt Reduction Coaching: I help client create personalized debt payoff strategies (like snowball or avalanche methods) and reducing reliance on credit.

Savings & Goal Planning: I assist my clients with building emergency funds, saving for milestones (home, education, retirement), and setting clear financial priorities.

Mindset & Behavior Coaching: I addressing emotional spending, money blocks, or fears around finances to build healthier money habits.

Credit Coaching: I educating clients on credit reports, improving credit scores, and using credit responsibly.

Business & Entrepreneur Coaching: For small business owners, I provide support with cash flow, bookkeeping basics, and financial planning.

Life Transitions Coaching: I guide clients through major changes like marriage, divorce, starting a family, or retirement planning.

How I like to coach

I coach with a supportive, practical, and results-driven approach—breaking down complex financial concepts into simple, actionable steps. I focus on encouragement, accountability, and real-life strategies so clients feel empowered, not overwhelmed, as they build confidence and control over their money.

Experience, Certifications & Training

Training and development

• Over 20 years of experience in accounting, financial management, and business strategy
• CEO of B&M Financial Management Services
• Expertise in financial coaching, QuickBooks training, bookkeeping, and small business finances
• Experience working with individuals, families, and entrepreneurs

Professional and life experience

Over 20 Years in Finance and Business

Passion for Teaching & Coaching

Commitment to Women’s Financial Empowerment

Fee description

Connection Call (Initial consultation session)

Discovery Call to examine current conditions and discuss needs and goals.

30 – 60 minutes coaching sessions (depending on client’s needs)

15-minute follow-up phone call between sessions

unlimited email support for any questions prior to scheduled sessions for the duration.