Todd spent his childhood moving with the Air Force from Florida to California to Japan and numerous destinations in between. He attended Arizona State University in 1976 where he studied Architecture and was a member of the Sun Devil football team.

Having previously scouted San Diego during his earlier travels and much preferring the climate of San Diego he transferred to San Diego State University in 1980 where he continued his architectural studies and earned a bachelor of arts degree in Environmental Design with a minor in Behavioral Science.

After working in the real estate, building and design industries Todd started his insurance career in 1987 with Wausau Insurance Company as a commercial insurance broker. He also worked for Frank B Hall & Co and Westland Insurance Brokers before joining the Michael Ehrenfeld Company in 2008.

Todd enjoys his free time with his family and has been a volunteer youth coach for the past 15 years.