Todd has 25 years of experience as an entrepreneur and a business leader. He is the founder of Win By Noon, the Chairman of the Bookspan Baker team., and the co-founder of FirstHome IQ - a non-profit focused on teaching financial literacy in high schools and colleges.For the past twenty-five years, as a mortgage originator, Todd has proven successful in cultivating both teams and branch offices. Working alongside his wife Tara, Todd successfully helped grow the Arizona region of a mortgage bank from five to eighty-five employees at four branches. He also took the lead role in developing and designing a coaching program for originators. Following this program, Todd coached groups of loan officers for several years, helping them expand their personal and team production.During this time, Todd also successfully grew his own mortgage team into a cohesive fifteen-member group. With Todd's outstanding leadership, he led his team into the top 30 rankings for closed mortgage loans in 2015, yielding more than 550 closed loans and $113 million in volume.He has a passion for entrepreneurship which started at a young age. At 22, Todd opened two bicycle stores, including one on the campus of University of Arizona. Within his first year in business, Todd's store was selected as a top 100 bicycle store in the country by industry members.He graduated from the University of Arizona with an undergraduate degree in General Business, and successfully completed the school's Entrepreneurship Program during its flagship year. Todd later went on to earn his Masters of Business Administration from the W.P. Carey School of Business at Arizona State University.Todd lives in Phoenix, Arizona with his wife, Tara. Together they have three beautiful daughters – one in college, one who teaches school in NYC, and one who is married and is a therapist in California. Todd enjoys running, hiking, traveling, and spending time with his family.