We help clients navigate the financial services world to protect their hard-earned money, improve their current financial situation to the maximum extent possible, and successfully set and achieve their longer-term goals. We believe that clients are the best judges of their own financial situations and needs, and do not need to be told how to spend their money.
Appointments focus on what clients want to get out of the program. Our coaches advocate with and for clients, coach them through the various options and inform them of their rights as consumers so they feel empowered to make the best decision.
Smart Money Coaching services are funded by the City and County of San Francisco, and provided by three nonprofit service providers. All Smart Money Coaches are certified by the National Association of Certified Credit Counselors.
John
John has been a leader in the financial capability field since 2008. John has helped over 8,000 clients address severe personal and financial challenges, giving them support and tested tools to achieve financial security and economic mobility. As a San Francisco native from a second-generation Mexican family, a former small business owner, financial advisor and a UC Berkeley graduate, John brings a unique and powerful combination of local, cultural, and financial expertise to his work with diverse clients and partners.
Antonio
Antonio was born and raised in Utah, but the Bay Area has become his adopted home after 20 years. He holds a degree in Finance and Mathematics and is currently pursuing a CFP®(Certified Financial Planner) designation. Prior to working at the Center, Antonio was employed at major banks and financial service companies. Antonio loves to help people in the community by volunteering his time as a VITA (Volunteer Income Tax Assistance) for The Women’s Building SF, Project Open Hand, and Trips 4 Kids. Antonio is a proud first generation Mexican-American and is fluent in both English and Spanish.
Howard
Team Lead
Howard has been with BALANCE for over 25 years and has worked in the financial services sector for almost 30 years! He earned his BA from Central College in Pella, Iowa with degrees in International Management and Spanish. He is dedicated to serving the local community through financial empowerment and prides himself on being professional, helpful, and non-judgmental. Howard’s advice to his clients is to “not focus on your past failures but build on your current successes.
Chris
Chris is a certified financial coach and educator with a background in financial services, accounting, and non-profit work. He earned his BS from Golden Gate University with a degree in business. His dedication to help others find ways to improve their lives and interest in personal finance are expressed in his practice of financial coaching, education, and empowerment. He thoroughly enjoys problem solving with clients and celebrating their wins, both big and small.
Omar
Omar was born and raised in Berkeley, California. He graduated with a Bachelor’s degree in Communications from California State University in Sacramento. His professional experience took him across various business sectors including private, corporate, and government. However, his passion lies in helping others. The non-profit sector fuels his passion and serves as a conduit to connect with and support clients through free coaching services. Omar demonstrates a fierce commitment to collaborating with clients to rediscover their goals and excitement towards planning for the future.
Andrea
Andrea was born and raised in South America and earned her degree from Santa María University in Caracas, Venezuela. She has over 10 years of experience in business and corporate law as a legal assistant and legal business adviser. She is passionate about combining her interests, career, and her background as a native-Spanish speaker to empower others in her community. Andrea believes in finding ways to give back to foster a better future for all.
Roger
Roger has extensive roots in the City of San Francisco having attended Riordan High School and San Francisco State University where he earned his Bachelor of Science degree in Marketing. Roger has a passion for helping others. Rogers says, “I like to draw from my experiences to find solutions to helping everyone from colleagues to the random people on the streets. The opportunity to solve a dilemma ignites a fire under me every day.”
Annie
Annie is a proud native of San Francisco. She graduated from the University of California – Irvine where she earned her bachelor’s degree in Business Economics. Annie has spent several years working in the mortgage industry before making a decision to transition to Smart Money Coaching. She also has previous coaching experience working in a client-centric environment and is bilingual in English and Cantonese. Annie says, “I’m looking forward to joining the SMC team and creating a collective impact for the communities in the city.”
