About BALANCE
Financial balance
As the nation’s non-profit financial coach for over 50 years, we are dedicated to increasing the financial health of all consumers. We have helped millions of families achieve their financial goals through debt reduction, credit score improvement, budgeting, and homeownership.
Founded in 1969 as the Consumer Credit Counseling Service of San Francisco, today BALANCE is a mature and diverse nationally respected financial services organization. We meet growing consumer demands through partnerships with progressive organizations that allow us to meet families where they are. We work to bring together various stakeholders, including financial institutions, government agencies, employers, healthcare, technology, media, and fellow nonprofits, to create measurable, collective impact across the country.
Our 2018 Impact
72,953
Consumers improved their overall financial health
9,406
Consumers reduced debt and improved their credit score by repaying over $8M in consumer debt
52,570
Online personal finance modules were completed
The nation’s financial coach since 1969.
Our Mission
Your financial guide dedicated to helping you balance life’s important decisions.
Our Vision
The most trusted source for financial advice in the nation, inspiring and empowering people from all walks of life to achieve their financial dreams.
Fearless Leaders

Rico Delgadillo
President & CEO
Rico joined the team in 2003 and brings with him more than two decades of experience in the financial wellness sector. He began his career with BALANCE as…
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Erin Allen
Senior Vice President, Strategic Engagement
Erin joined the executive team in 2016, and is responsible for development of sales strategies in alignment with…
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Darrell Christoff
Chief Information Officer
Darrell is responsible for all aspects of the organization’s information technology and systems. In this role, he leads IT strategic and operational…
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Tina Cota
Chief Financial Officer
Tina Cota, CPA, is the Chief Financial Officer at BALANCE, responsible for managing the organization’s finances, including financial planning, management of…
Read More →

Karina Galvan-Torres
Senior Director of Operations
Karina joined BALANCE in 2015 and has served our Financial Fitness Partners for the past four years. She implemented new training resources for…
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Cynthia Campbell
Chief Experience Officer
Cynthia is a strategist, a corporate communicator, and a project executor who proactively identifies and resolves agency challenges, product development…
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Linda Davis-Demas
Vice President of Housing
Linda is a solution oriented experienced bilingual trainer, housing leader and collaborator. Linda is responsible for all housing counseling programs…
Read More →

Rico Delgadillo
President and CEO
Rico joined the team in 2003 and brings with him more than two decades of experience in the financial wellness sector. He began his career with BALANCE as…
Read More →

Darrell Christoff
Chief Information Officer
Darrell is responsible for all aspects of the organization’s information technology and systems. In this role, he leads IT strategic and operational planning, and oversees…
Read More →

Cynthia Campbell
Chief Experience Officer
Cynthia is a strategist, a corporate communicator, and a project executor who proactively identifies and resolves…
Read More →

Erin Allen
Senior Vice President, Strategic Engagement
Erin joined the executive team in 2016, and is responsible for development of sales strategies in alignment with…
Read More →

Tina Cota
VP of Finance
Tina Cota, CPA, is the VP of Finance at BALANCE, responsible for managing the organization’s finances, including financial planning, management of…
Read More →

Linda Davis-Demas
Senior Director of Housing
Linda is a solution oriented experienced bilingual trainer, housing leader and collaborator. Linda is responsible for all housing counseling programs…
Read More →

Karina Galvan-Torres
Senior Director of Operations
Karina joined BALANCE in 2015 and has served our Financial Fitness Partners for the past four years. She implemented new training resources for…
Read More →

Rico Delgadillo
President and CEO
Rico joined the team in 2003 and brings with him more than two decades of experience in the financial wellness sector. He began his career with BALANCE as…
Read More →

Darrell Christoff
Chief Information Officer
Darrell is responsible for all aspects of the organization’s information technology and systems. In this role, he leads IT strategic and operational planning, and oversees…
Read More →

Cynthia Campbell
Chief Experience Officer
Cynthia is a strategist, a corporate communicator, and a project executor who proactively identifies and resolves…
Read More →

Erin Allen
Senior Vice President, Strategic Engagement
Erin joined the executive team in 2016, and is responsible for development of sales strategies in alignment with…
Read More →

Tina Cota
VP of Finance
Tina Cota, CPA, is the VP of Finance at BALANCE, responsible for managing the organization’s finances, including financial planning, management of…
Read More →

Linda Davis-Demas
Senior Director of Housing
Linda is a solution oriented experienced bilingual trainer, housing leader and collaborator. Linda is responsible for all housing counseling programs…
Read More →

Karina Galvan-Torres
Senior Director of Operations
Karina joined BALANCE in 2015 and has served our Financial Fitness Partners for the past four years. She implemented new training resources for…
Read More →