Can you help me improve my credit score?

Yes, this is a common focus. We review your credit report, identify what's affecting your score, talk through options that apply to your situation, and build habits that support long-term credit health. Credit improvement takes time, but you'll know exactly what moves the needle.

How much do your services cost?

An individual session is $125, and a 3-session package is available at $340. You'll always know the full cost before we begin. If you're looking for low or no-cost help, reach out and I'll try to connect you with free resources.Click here to book an individual session Click here to book a 3-session package

Do you offer free consultations?

Yes. I offer a free introductory consultation so we can discuss your goals, see if we're a good fit, and walk through how the process works. No payment, no pressure, just a chance to talk before you decide. Click here to book a free consultation.

About

Meet the counselor behind Positive Financial Impact.

Hi, I'm Theresa.

Personal Financial Counselor · AFC®, MQFP®

I'm a spouse of a military Veteran and a mom. My professional experience spans budget management for large HOA communities, banking, treasurer, financial advising, and personal financial counseling. I hold certifications as an Accredited Financial Counselor (AFC®) and Military Qualified Financial Planner (MQFP®) with over 11 years of personal finance experience and several more years in business finance. As you might have guessed, I have a passion for learning financial concepts and putting them into practice.

I know that not everyone shares this passion, which is why I'm here to help! I enjoy assisting others with their financial challenges by providing clarity and developing an action plan that puts them on track for reducing stress around money. We've all been there at some point, and it's hard to go through it alone. Even if you're not there now, consider taking action now to avoid it in the future. Let's work together to create a positive relationship with your money!

Why I do this work

Accredited Financial Counselor · AFC®, MQFP®

My role as a financial counselor is to empower you to take control of your financial future through supportive, judgment-free counseling built around your needs. I work virtually, which lets me connect with people all over the United States.

Achieving financial stability starts with understanding your finances and having a plan that fits your unique situation. Whether you're building a budget for the first time, struggling to manage debt, preparing for a major purchase, or simply wanting to grow your financial knowledge, I'm here to help.

Credentials you can trust

Anyone can call themselves a financial counselor. These credentials mean I've met a real standard, and I keep them current.

Accredited Financial Counselor (AFC®)

Military Qualified Financial Planner (MQFP®)

As a fiduciary, my focus is always your best interest. I don't sell any financial, insurance, or investment products, and I don't accept or pay referral fees when working with other professionals.

What I believe

I believe financial wellness is achievable for everyone. Through personalized counseling, education, and ongoing support, I help clients navigate challenges, build healthy financial habits, and work toward lasting success. Together, we can create a clear path toward your goals and greater peace of mind.

Looking for low or no-cost help? I believe financial wellness is achievable for everyone.
Reach out and I'll try to connect you with free resources.

A few things people often ask before getting started.

Common Questions

Frequently asked questions

Let's talk

Start with a free consultation, or book your first session whenever you're ready.

Schedule a free consultation

Book a session

Accredited Financial Counselor (AFC®) · Military Qualified Financial Planner (MQFP®) · Fiduciary, always your best interest · 100% virtual, nationwide