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

Rico Delgadillo

Interim 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

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 →

Darrell Christoff

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…
Read More →

Tina Cota

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 →

Karina Galvan-Torres

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 →

Cynthia Campbell

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…
Read More →

Linda Davis-Demas

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 →

Rico Delgadillo

Rico Delgadillo

Interim 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

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

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

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

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

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

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

Rico Delgadillo

Interim 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

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

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

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

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

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

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 →

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