Theresa Stevens is an experienced freelance personal finance writer currently contributing to Newsweek, USA TODAY Blueprint, Forbes Advisor, and maintaining a personal finance blog at theresanell.com. Prior to these roles, Theresa served as a Client Relationship Manager at Compass Planning Associates Inc., where participation in the financial planning process for over 75 clients annually was key, utilizing financial software like MoneyGuidePro and Morningstar. Additional experience includes working as a Financial Coach at Declutter Your Money, LLC, assisting young professionals with financial planning, and as a Financial Specialist at Economic Mobility Pathways, where support was provided to low-income families in budgeting, credit building, and debt repayment. Theresa holds a Bachelor of Arts degree from Suffolk University and has further education from Boston University.