Todd grew up in Dubuque, Iowa, where he learned the value of a dollar and a good work ethic. Todd was in boy scouts and became an Eagle Scout. He attended college at Iowa State University and graduated in 1994. Todd then moved to Chicago, where he managed restaurants for a few years and then changed careers to focus on insurance and financial services. Over the years, he was able to help many families with a college funding program. Wanting a change, Todd decided to move to Arizona and continued working in insurance and financial services. He then started working as a federal employee benefits consultant helping federal employees learn about their benefits and how they change in retirement. Todd then became a Financial Advisor to further help federal employees properly plan for the future. Todd enjoys cooking and traveling in his spare time.