San Francisco Smart Money Coaching

Smart Money Coaching provides free, confidential, one-on-one financial coaching and access to healthy financial products to clients currently receiving services from City and County agencies.

Municipal Financial Empowerment Integration

Integrating financial coaching into social service delivery has been found to create a “Supervitamin Effect,” improving program outcomes as well as outcomes associated with financial stability. Our ability to reach clients at a time they are actively engaged in workforce training/placement, housing support, and other city services will lead to greater long-term financial stability, and the ability to weather future financial shocks or setbacks.


Trained and certified financial coaches work on-site to meet with clients where they are already receiving services. During the financial coaching appointment, each client receives a copy of their credit report and develops a personalized financial action plan. Coaches work with clients on goals that include opening an affordable bank account, reducing debt, increasing credit score, saving and planning for the future.

Partner Agencies

Smart Money Coaching integrates financial coaching into workforce development and housing services offered by the Human Services Agency, the Mayor’s Office of Housing and Community Development, HOPE SF public housing sites, and the Office of Economic and Workforce Development.

Service Provider

Through an RFP process we have contracted with BALANCE, formally Consumer Credit Counseling Service of San Francisco (CCCSSF) – a qualified credit counseling agency – to provide client coaching services.

Additional Coaching Initiatives

San Francisco Office of Financial Empowerment is also piloting financial coaching integration at healthcare sites and local employers.