If you can relate to any of the questions above, know that it’s completely understandable. We all go through a different process in our life experiences that ultimately form and develop our spending and savings habits. These habits can ultimately prevent us from unlocking our true potential in aspects of life that far exceed the management of money.

I want to be your financial mentor to enable you to achieve success in your financial life and lead you to a better quality of life…

Let me begin by introducing myself. My name is Tom Arena and I have seen first-hand the way people I know and people I’ve served struggle with money management.

I learned about money hardships and challenges at an early age. I was surrounded by the hardest-working people I know, many of them earning “decent” money, but as it turns out, money management was never their strong suit. But eating saltines for dinner on more than a few occasions because “the bills had to be paid,” and watching these people I know constantly struggle with money led me to want better for them and for myself and it is one of the biggest reasons I became a banker.

After starting at the bank on the bottom rung of the corporate ladder, I figured out how money really works. I worked my way through college and graduate school, and also graduated from the industry-prestigious Consumer Bankers Association’s Executive Banking School.

After 15 years working in banking, I was responsible and accountable for a business unit contributing over $300 million in annual revenue, but I continued to see those I know and love struggle with their own money…