WESTCHESTER COUNTY, N.Y. - TelAve -- As the holiday season approaches and year-end expenses begin to come into focus, B&M Financial Management Services, LLC (BMFMS) is encouraging individuals to take a fresh look at their money through its Fall Into Better Money Habits: Your Fall Money Check-In initiative.

Offered through Smart Money Moves Coaching, this special opportunity provides a free, 30-minute, one-on-one money coaching conversation designed to help participants reflect on their current money habits, identify areas they would like to improve, and determine one practical next step toward greater money confidence.

Many people wait until January to set money goals or make changes to their spending habits. However, fall offers an opportunity to prepare for holiday expenses, revisit savings goals, review spending priorities, and address money concerns before the year comes to a close.

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"You don't have to wait until January to make a money move," said Theresa Todman, founder of B&M Financial Management Services, LLC and Smart Money Moves Coaching. "Sometimes, the first step toward improving your relationship with money is simply making time to talk about where you are, where you want to be, and what you can do next. You don't have to have everything figured out to get started."

During the free Fall Money Check-In, participants can discuss areas of money management that matter most to them, including:

• Spending habits and budgeting
• Savings goals and preparing for unexpected expenses
• Debt management and credit concerns
• Building healthier money habits
• Preparing for holiday and year-end expenses
• Identifying a practical next step toward a personal money goals

The session is designed to be a welcoming, judgment-free conversation. Participants do not need to have their finances organized or know exactly where to begin. The goal is to help each person gain clarity and leave with a manageable next step.

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Through November 30, 2026, individuals can learn more about the Fall Money Check-In and request a free coaching session. The initiative encourages participants to approach their money with greater intention, rather than postponing important decisions until the start of a new year.

"Healthy money habits are built through small, intentional steps taken consistently," Todman added. "Whether you want to feel more confident about your spending, make progress toward savings, or simply understand what needs your attention, starting with one conversation can help you move forward."

Individuals interested in participating can visit B&M Financial Management Services, Fall Money Check-In website at https://www.bmfms.com/fall-money-checkin.html to learn more and schedule their free 30-minute coaching session.