Today we’d like to introduce you to Toba Fuller.
Hi Toba, so excited to have you on the platform. So before we get into questions about your work-life, maybe you can bring our readers up to speed on your story and how you got to where you are today?
My Story: From Banker’s Desk to Financial Founder
My journey into founding TMD Bookkeeping Services LLC wasn’t a sudden career change; it was a deliberate evolution fueled by nearly two decades of financial expertise and a deep desire to solve a persistent problem.
The Catalyst: Seeing Chaos from the Inside
For 16 years in banking—serving as a Branch Manager and specializing in business banking—I had a front-row seat to the daily financial struggles of entrepreneurs. I watched countless brilliant business owners get held back, unable to secure critical loans or suffering through audit stress, simply because their internal finances were a mess. Even after managing an accounting department for three years, I saw the recurring theme: small businesses were missing a meticulous, strategic partner to maintain their financial health.
The Pivot: Building the Solution You Deserve
I founded TMD Bookkeeping Services to be that essential partner. I leverage my background in bank reconciliations, loan preparation, and tax compliance to deliver more than just data entry—I deliver confidence and clarity. My specialty is eliminating that financial anxiety by stepping in as the expert and focusing on our core promise: to Turn Financial Chaos into Tax-Ready Clarity.
Today, TMD thrives on tackling complex cleanups and providing seamless monthly maintenance. We ensure our clients are always loan-ready, fully understand their cash flow, and never overpay a CPA to fix a messy file. That transformation—from fear of the numbers to being fully empowered by them—is why I do what I do.
Can you talk to us a bit about the challenges and lessons you’ve learned along the way. Looking back would you say it’s been easy or smooth in retrospect?
The Biggest Hurdles in the Journey
1. The Mindset Shift (From Employee to Owner)
For nearly two decades in banking, I was highly compensated and had consistent, structured work. Transitioning to founding TMD Bookkeeping Services meant leaving that security.
The Struggle: The initial phase involved overcoming the fear of inconsistency and the emotional hurdle of selling my own services, rather than a bank’s branded product. I’ve had to redefine my worth and learn to charge based on the value delivered (saving clients time and taxes) rather than an hourly rate.
The Lesson: You must be your own biggest advocate. Confidence in my 19 years of financial expertise was the key to unlocking the true value of my services.
2. Setting Boundaries and Defining Scope
Early on, it was and still is challenging to enforce strict boundaries, especially with clients who had been in “financial chaos” for years.
The Struggle: Clients needed not just a bookkeeper, but often a financial therapist, CPA, and administrative assistant all in one. I struggled with defining the scope of work (especially for complex cleanups) and handling constant, unscheduled client demands, leading to burnout.
The Lesson: Implementing clear engagement letters and specific protocols (like the Google Sheet for uncategorized transactions) became non-negotiable. I learned that being firm on boundaries is essential for delivering the best service to all clients and maintaining my own health.
3. Scaling the Sales Process
My banking background taught me relationship management, but the specific process of marketing a niche service like bookkeeping required a whole new skill set.
The Struggle: Figuring out which marketing channels truly worked (social media vs. CPA referrals vs. organic networking) and consistently generating high-quality leads that matched my ideal client profile took time and experimentation.
The Lesson: Consistency and quality are paramount. Focusing on building strong relationships with CPAs and getting quality referrals (like the one that led to this article!) proved far more valuable than broad, generalized marketing efforts.
We’ve been impressed with TMD Bookkeeping Services LLC, but for folks who might not be as familiar, what can you share with them about what you do and what sets you apart from others?
TMD Bookkeeping Services LLC: Turning Financial Chaos into Tax-Ready Clarity
At TMD Bookkeeping Services LLC, we are the indispensable financial partners for small business owners and service-based LLCs who are ready to transition from anxiety and confusion to complete financial confidence.
What We Do and What Sets Us Apart
We specialize in solving the most critical pain points entrepreneurs face with their books: cleanup, catch-up, and ensuring tax readiness.
Our Core Specialization: We are known for our expert ability to tackle years of neglected or “messy” books (often called “financial chaos”) and transform them into meticulously accurate, organized, and compliant records. This deep cleanup work is the foundation for everything else we do.
What Sets Us Apart: Our strategic edge comes from nearly two decades of direct financial experience in banking and accounting management. Unlike many bookkeepers, I don’t just record transactions; I approach every file with the insight of a bank manager and a loan consultant. I know exactly what financial institutions and the IRS look for, which allows us to provide a level of strategic review that maximizes tax deductions and makes clients loan-ready.
Brand Pride and Our Promise to Readers
We are most proud of our commitment to partnership and empowerment.
Our brand is built on trust and reliability, and we want your readers to know that outsourcing their bookkeeping isn’t a cost—it’s the single best investment they can make in their business’s future.
Our Key Offerings:
Bookkeeping Cleanup: We quickly resolve months or years of backed-up transactions, fix reconciliation issues, and correct improper categorizations.
Tax Readiness & Compliance: We manage the day-to-day reconciliation and categorization, ensuring our clients’ CPA receives a perfect, accurate file, saving the client significant time and tax preparation fees.
Financial Clarity: We provide personalized reporting that helps owners truly understand their numbers so they can forecast profit, manage cash flow, and make bold, informed business decisions.
Ultimately, our mission is to eliminate bookkeeping anxiety so that passionate small business owners can focus 100% on their growth and purpose.
Alright so before we go can you talk to us a bit about how people can work with you, collaborate with you or support you?
How Readers Can Partner with TMD Bookkeeping Services
There are three key ways the readers of VoyageHouston—especially small business owners and entrepreneurs—can work with, collaborate with, or support TMD Bookkeeping Services:
1. Work With Me (Become a Client)
The most direct way to engage is by becoming a client. Our goal is to lift the burden of financial chaos immediately. Readers can work with me by:
Scheduling a Consultation: The best first step is a free Financial Clarity Consultation. We discuss your unique challenges, such as overdue cleanup, messy transaction history, or tax compliance issues.
Hiring Us for Cleanup: We specialize in tackling years of neglect. We transform disorganized files into Tax-Ready Clarity, which is the single most valuable step a business owner can take to maximize deductions and reduce stress.
Ongoing Partnership: After the cleanup, we provide consistent monthly bookkeeping to ensure your books are always accurate, giving you the real-time data you need to grow your business confidently.
2. Collaborate With Me (Strategic Referrals)
My business thrives on building strong relationships within the small business ecosystem.
CPAs and Tax Professionals: I actively seek partnerships with CPAs who prefer their clients’ books to be perfectly clean when they receive them. We handle the detailed cleanup and day-to-day work, freeing CPAs to focus on high-level tax strategy.
Business Coaches & Consultants: I collaborate with professionals who need their clients to have strong financial foundations before scaling. I ensure their clients’ numbers match their goals.
Speaking Opportunities: As I’m doing with Jose and the political luncheon events, I look for opportunities to speak to small business groups about financial literacy, best practices for QBO, and crucial tax readiness strategies.
3. Support Our Mission (Spreading the Word)
The most impactful way to support TMD Bookkeeping Services is through recognition and referrals.
Referral Network: If a reader knows an entrepreneur who is stressed out, behind on their books, or dreading tax season, sending them my way is the highest form of support.
Share Our Story: Engaging with our content on LinkedIn and social media helps spread our message: Financial anxiety is optional. We exist to eliminate it.
Pricing:
- Our pricing is all custom pricing with many variables
- How many Transactions?
- How many bank & credit card accounts?
- Do you need payroll? How many employees?
- Do you have/need Accounts Receivable / Accounts Payable?
Contact Info:
- Website: https://www.tmdbookkeepingservices.com/
- Instagram: https://www.instagram.com/tmdbookkeepingservices/
- Facebook: https://www.facebook.com/profile.php?id=61573949354134
- LinkedIn: https://www.linkedin.com/company/tmdbookkeepingservices/
- Yelp: https://www.yelp.com/biz/tmd-bookkeeping-services-houston
