Turning Point Financial Services

I work with real people who:

• felt stuck
• were overwhelmed
• didn’t know where to start

The difference?
They stopped guessing and got guidance.

No judgment.
No pressure.
Just a plan.

Hey, I’m Toya 👋🏽
Certified Wealth Coach, Accountant, Wife, Mom — and The one who’s going to help you get real clarity around your money.
I believe in building wealth with intention, not overwhelm.
Real strategy. Real education. Real results.
With 12+ years in accounting, budgeting, and forecasting — and several years teaching financial literacy and wealth-building — I’ve seen what works… and what keeps people stuck.
What I do now is simple:
I help everyday people clean up their credit, manage their money with confidence, and build habits that support the life they actually want.
This page is where I share my world:
✨ money conversations that make sense
✨ practical strategies you can actually use
✨ mindset shifts that stick
✨ lifestyle, growth, and building legacy in real time
No judgment. No fluff. No “get rich quick” talk.
Just guidance, education, and support — from someone who’s lived it and teaches it.
If you’re ready to feel more confident about your money and stop second-guessing every decision, you’re exactly where you need to be.
Welcome — let’s build wisely 🎀
— Toya