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 2022 Impact
105,361
Total clients served (sessions, calls, modules, workshops)
36,858
Online personal finance modules were completed
5,103
Housing counseling client sessions
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.
Diversity, Equity, and Inclusion
BALANCE committed to fostering a diverse workforce, and maintaining a workplace that is equitable, inclusive, and safe for all employees. From recruiting practices, to pay and benefits, promotions, and all other aspects of employment with us, an environment of equity is of utmost importance to us.
We not only recognize that you, our employees, comprise a wide range of backgrounds and characteristics, but we believe those differences should be celebrated and valued. Whether it’s race, religion, gender, national origin, ancestry, color, language, age, marital status, sexual orientation, gender identity, gender expression, physical or mental disability, medical condition, genetic information/characteristics, veteran status, political affiliation, or any other characteristic, these are parts of each of you that contribute to your experiences as humans, and ultimately to the knowledge and expertise that make you a valuable asset to the Company.
BALANCE is committed and determined that there be access, opportunity, and advancement for all individuals. We will always strive for ways in which we can cultivate an inclusive work environment, strengthen our cultural competency, and train our managers and employees to provide opportunities for growth and development equitably.
It is our intention that all of our employees, regardless of any particular background or characteristic, are always treated with respect and dignity. Likewise, we expect that as our employees, you will treat your coworkers, supervisors, and other team members with the same dignity and respect at all times.
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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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 →

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 →

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

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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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 →

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 →

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 →