​Your Residents Are Dealing With More Than Rent.

Today's residents may be navigating:

• Rising household expenses
• Budgeting challenges
• Credit and debt concerns
• Difficulty building emergency savings
• Financial stress
• Unexpected expenses
• Major financial goals and life transitions

Then transition into:

Financial Wellness Can Become Part of the Resident Experience.

Your community can provide residents with access to practical financial education and coaching that helps them develop stronger money-management skills.

​What Is the Smart Money Moves Resident Financial Wellness Program?

Financial Education. Practical Tools. Personal Support.

The Smart Money Moves Resident Financial Wellness Program is designed to bring accessible financial education and money-management coaching directly to apartment communities.

Through workshops, financial wellness sessions, and optional coaching opportunities, residents can learn practical strategies they can apply to their everyday lives.

Topics Residents Can Use in Real Life

Select individual workshops or create a series based on your community's resident engagement goals.

✓ Know Your Numbers
✓ Credit Confidence
✓ Holiday Spending Without Holiday Debt
✓ Preparing for Financial Emergencies

✓ Budgeting Made Simple
✓ Smart Saving Strategies
✓ Back-to-School Budgeting
✓ Custom Topics for Your Community

​Why Apartment Communities Partner With Us

Support Your Residents. Strengthen the Resident Experience.
Partnering with B&M gives your community an opportunity to offer meaningful financial wellness programming without requiring your onsite team to become financial educators.
​
Benefits can include:

Resident Engagement
Offer educational programming that provides practical value beyond the traditional resident experience.

Convenient Programming
Bring financial wellness directly to residents through onsite and virtual options.

Professional Facilitation
Let an experienced financial coach lead the education and engagement.

​Flexible Programming
Choose a format that fits your community's schedule, resident needs, and programming goals.

A Value-Added Amenity
Financial wellness can become another meaningful resource your community offers residents.

We should be careful here not to promise that the program will reduce delinquency, increase renewals, improve collections, or produce specific resident financial outcomes unless we have data to support those claims.

Program Options

Choose the Level of Support That Fits Your Community

Quarterly Workshop
​Series

A quarterly financial wellness workshop series covering practical money-management topics.

Best for: Communities looking to introduce financial wellness programming.

Monthly Financial Wellness Sessions

Ongoing monthly educational sessions that keep financial wellness visible throughout the year.
​
Best for: Communities wanting consistent resident engagement.

Annual Resident Wellness Program

A comprehensive year-round financial wellness experience combining education, coaching opportunities, and ongoing programming.
​
Best for: Communities looking for a more robust resident wellness initiative.

Financial Wellness
​ Week

A concentrated week of financial education and engagement activities.

Best for: Communities planning a special resident wellness initiative.

Resident Appreciation Event Add-On

Add a financial wellness component to an existing resident appreciation or community event.
Best for: Communities looking for an engaging educational activity during an existing event.

Flexible Delivery

Built Around Your Community

We can work with your existing resident events and engagement calendar or create a dedicated financial wellness series.
​

• On-site
• Virtual
• Hybrid
• Single workshop or recurring series
• Single community or multiple communities

How It Works

​A Simple Partnership Process

1)

Start the Conversation
Tell us about your community, residents, and current resident engagement programming.

2)

Choose Your Format
Select on-site, virtual, or hybrid delivery and determine the best workshop format for your community.

3)

Customize the Topics
Choose from existing topics or discuss a topic that aligns with your residents' needs.

4)

Launch the Program
We coordinate the workshop or series and provide the educational materials needed for the session. 

Who It's For

A Resource for a Wide Range of Residents

The program can be adapted for different resident populations, life stages, and money management priorities.

​Young Professionals
Building budgets, managing credit, reducing debt, and developing savings habits.

Families & Households
Managing everyday expenses, preparing for unexpected costs, and balancing competing financial priorities.

Residents in Transition
Navigating career changes, household changes, new financial goals, or other life transitions that affect money decisions.

Frequently Asked Questions

Let's Make the Program Easy to Understand

► Is the program only for residents who are struggling financially?

No. The program is designed for a broad range of residents, including people working toward savings goals, debt reduction, better budgeting, stronger credit habits, and greater confidence with everyday money decisions.

► Can the program be customized for our community?

Yes. Workshop topics and delivery can be customized around your resident population, calendar, and programming needs.

► How long are the workshops?

Standard workshops are designed to run approximately 45–60 minutes.

► Can you work with multiple communities?

Yes. The program can be structured for a single property or delivered across multiple communities.

► Can residents receive individual coaching?

Optional individual money management coaching can be incorporated when a community wants to provide residents with a more personalized support option.

► Does the program replace professional financial, tax, or legal advice?

No. The program is designed as financial wellness education and money management coaching. It is not a substitute for individualized investment, tax, legal, or other regulated professional advice.

About B&M Financial Management Services

Practical Financial Education With a Real-World Approach

B&M Financial Management Services combines a strong foundation in accounting and financial management with financial coaching and practical money education. Through Smart Money Moves, Theresa Todman helps make money conversations more approachable, actionable, and relevant to everyday life.
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The Resident Financial Wellness Program extends that approach into apartment communities through workshops, resources, and optional coaching.

Let's Talk About Your Community

Could Financial Wellness Be Your Next Resident Benefit?

Let's discuss your community, resident programming, and the type of money management education that could fit your residents.