Wendy Toh
Certified Personal Financial Wellness Consultant
Financial Coaching & Counseling Professional Dedicated to Helping You Work Toward Your Financial Goals
Personal Notes
I spent over 30 years as a leader in information technology with IBM Corporation, where one of my greatest joys was coaching my team to grow, excel, and succeed. Over the years, my own life journey has included marriage, divorce, remarriage, and becoming a stepmother to three wonderful daughters. With each transition came new financial challenges, and I learned firsthand how to adapt and make smart financial decisions along the way.
Through personal experience, I’ve navigated budgets, savings, credit cards, investing, real estate, working with financial advisors and accountants, managing taxes, combining finances, and negotiating money matters. Much of this I learned the hard way, by researching, experimenting, and sometimes making mistakes, but each step helped me build a strong foundation for financial wellness. Now retired from corporate America, I am living life with intention and purpose. I view this coaching practice as a way to share what I’ve learned and to support others in creating the life they want. My passion is helping you move toward greater financial confidence, balance, and peace of mind so you can live with the security and freedom you deserve.
Bio
Wendy Toh is a retired IT executive turned financial coach who is passionate about helping individuals and couples build confidence and clarity around their money. With over 30 years of leadership experience at IBM, Wendy brings a deep understanding of strategic thinking, problem-solving, and people development to her coaching practice. As the founder of Own Your Money, Wendy helps individuals and couples navigate life’s financial transitions with clarity, confidence, and emotional support. Wendy is an NFEC Certified Personal Finance Wellness Consultant℠.
Originally from Malaysia, Wendy moved to the U.S. in the early 1980s and earned her degree in Mathematics and Computer Science from the University of Florida. Her career at IBM spanned technical, managerial, and executive roles, where she was recognized for her mentorship, leadership, and commitment to diversity and inclusion.
Now, Wendy is channeling her skills into financial wellness—empowering others to take control of their financial lives with intention and purpose. Her coaching combines practical tools with empathetic listening, empowering clients to take control of their finances by developing healthy financial habits. Whether you’re rebuilding after a major change or seeking a more intentional approach to spending and saving, Wendy offers a safe, structured space to move forward.
Wendy lives in North Carolina with her husband, David. Together, they enjoy boating, traveling, watching football, and spending time with their friends and families.