​Why Financial Coaching?

We believe your finances should serve your life, not the other way around. Our coaching is personal, practical, and action-oriented.

Your Current Situation	How Smart Money Moves Coaching Helps
Feeling Overwhelmed: ​You know you need a plan, but don't know where to start.	Clarity: ​We simplify the complex, organizing your entire financial picture into one clear view.
Uncertainty: ​You worry if you're saving enough for retirement or a big purchase.	Confidence: ​We build a custom roadmap with achievable steps toward your biggest goals.
Lack of Accountability: ​You start budgeting, but quickly fall off track.	Accountability: ​We provide non-judgmental support to keep you motivated and consistent.

Ready for Your Smart Money Move?

Book Your FREE, No-Obligation Connection Call

This isn't a high-pressure sales pitch. It's a genuine conversation about your situation, your dreams, and your challenges.

In this 15-minute call, we will:

1

Listen & Understand
Hear about your current financial picture and your most pressing concerns.

2

Identify Opportunities
Pinpoint the 1-2 biggest "levers" you can pull right now to improve your finances.

3

Explain Our Process
Clearly detail how our coaching works and if it's the right fit for your needs.

Start feeling in control of your money—today.

BOOK YOUR FREE CONNECTION CALL ►

Who We Help​

Smart Money Moves is designed for individuals and couples who are serious about upgrading their financial life. You don't need to be a millionaire to work with us—you just need the commitment to change.
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• Young Professionals: Ready to pay off debt, maximize savings, and buy your first home.
• Growing Families: Needing to balance budgeting, college savings, and retirement planning.
• Pre-Retirees: Looking to ensure your nest egg is secure and you have a clear plan for the next chapter.

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"B&M Financial helped us move from confusing spreadsheets to a clear, automated plan. The coaching was straightforward and non-judgmental. We feel so much more confident." - Jessica P., Client

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Meet Your Coach

Hi, I’m Theresa Todman, CEO of B&M Financial Management Services and creator of the Smart Money Moves Coaching Programs. With years of experience in accounting, bookkeeping, and financial coaching, I’ve helped individuals, families, and entrepreneurs take control of their money, reduce financial stress, and build lasting confidence with their finances.

I know how overwhelming money management can feel—especially when juggling debt, unexpected expenses, or competing financial goals. That’s why I created a judgment-free space where you can gain clarity, learn practical strategies, and make decisions that align with your values and goals.

My approach is simple: I meet you where you are, provide the tools and accountability you need, and empower you to make smart money moves that truly transform your financial future.

When I’m not coaching, you’ll often find me sharing financial tips, leading group workshops, or creating training programs to make personal finance easier and more approachable for everyone.
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I believe money should be a tool that supports your life—not something that controls it. And I’d love to help you write your next financial chapter with confidence.

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Take The First Step. It's Free. 

The only thing stopping you from financial clarity is booking a 15-minute call. Don't put off your financial future for another day.

Book a FREE 15-Minute Connections Call now ►

You don’t have to figure this out alone. Let’s take the first step together.

Smart Money Moves Coaching Services

1-on-1 Money Coaching

Tell me more. ►

Group Financial Coaching

I'm curious—go on. ►

The Retirement Gameplan 

Let's dive deeper. ►

What clients are saying...

"I was drowning in debt and had no idea how to turn my financial situation around. That's when I decided to seek the help of a financial coach. Working with BMFMS’ Financial Coaching Services was a game-changer for me. They not only provided me with practical strategies to manage my debt but also gave me the confidence and motivation to tackle my financial goals head-on. Thanks to Theresa's guidance and support, I am now on the path to financial freedom, with a clear plan, reduced debt, and a brighter future ahead."


- Sarah Timber

"I always struggled with budgeting and saving money. I knew I needed to change my habits, but I didn't know where to start. That's when I discovered financial coaching provided by BMFMS. Theresa's knowledge, patience and skills was exactly what I needed. She took the time to understand my financial situation and goals, and provided me with a personalized plan that made budgeting and saving feel achievable. Today, I am proud to say that I have established healthy financial habits and have achieved financial stability, all thanks to the expert guidance and support from Theresa and the Staff at BMFMS."
- Mark Reynolds

"I had been making costly mistakes and missing out on opportunities. That's when I decided to seek the help of a financial coach to help. Theresa analyzed my current situation, educated me on different strategies, and helped me create a diversified plan to help me gain control of my spending habits and financial goals. Since then, I’ve been able to keep track of my spending and stay within my monthly budget. And most of all I feel more confident in my decision-making. I highly recommend BMFMS Financial Coaching Services to gain control of their finances for a better future."

- Jennifer MaJorani