Turning Point Financial Services

Real families. Real results. Real change.

We started with doubt and ended with keys in hand. Imagine what your next chapter could look like when you choose to invest in your financial glow-up.

Ready for your own turning point? DM me to start your journey. 🔑✨

Ready to level up your credit?

Most folks wait for the 'perfect time.' Sis, today IS the time.

Start with one step: Pull your credit report. Look at every detail.

Small moves today. Big wins tomorrow.

Want my full checklist? Drop a 🔥 below or DM me ‘ACTION’ and let’s get you moving forward. 💪

It’s Tip time:

These 3 things are silently killing your credit score RIGHT NOW:

✦ High utilization — even if you're paying on time, if you're using more than 30% of your available credit your score is taking a hit

✦ Unknown collections — stuff from years ago that you forgot about is still sitting on your report

✦ Too many hard inquiries — every time you apply for something new it dings your score

The good news? All of this is fixable.

If you want to know exactly what's on your report and how to start cleaning it up — message me. First conversation is always free. 🎀

Quick tip because I know a lot of people need this…

Just because you have money in your account Doesn’t mean you can spend it.

If you don’t have a plan for your money, it will disappear every time.

Start telling your money where to go:

Bills
Savings
Spending

Not the other way around.

If you need help getting your money together, message me !! 🎀

Morning reminder!!

You can work 60 hours a week and still feel broke.

I've seen it.

Been there.

The missing piece isn't effort. It's a plan.

That's the whole point of From Paycheck to Wealth — cohort opens May 6th.

Comment "PLAN" and I'll send you the details. 💸

If you’ve been seeing my ads or posts and wondering if this is for you — this is your sign to ask.

Whether it’s:
• credit
• budgeting
• savings
• protection
• or building income

There’s a starting point for everyone.

Send “INFO” or comment below and I’ll reach out.

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.

A lot of people think credit only matters when you want to buy a house.

Truth:
Bad credit affects:
• interest rates
• approvals
• insurance costs
• monthly cash flow

Fixing credit isn’t about status — it’s about control.

If your score doesn’t reflect who you are today, DM “CREDIT”.

Most people aren’t broke — they’re unorganized.

When your credit, bills, and savings don’t have a system, money feels heavier than it needs to be.

My role is to help people:
• clean up credit
• organize cash flow
• build smart financial habits
• protect what they’re building

Not overnight miracles.
Real structure.

Comment “SYSTEM” or send a DM if you want to see how this works.

Another reminder that progress is possible with the right help. 🎀

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