BALANCE Financial Fitness Program
BALANCE Financial Fitness Program is a U.S. non-profit founded in 1969 that delivers white-label financial counseling and education to credit unions, banks, employers, and non-profit partners. It serves consumer end-users through certified coaches, phone-based counseling, workshops, and its BalanceTrack digital platform.
- Company typePrivate
- Founded1969
- HeadquartersSan Francisco, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What BALANCE Financial Fitness Program does
BALANCE Financial Fitness Program is a U.S. non-profit founded in 1969 and headquartered in San Francisco, delivering financial counseling and education services to consumer end-users through institutional partners rather than direct consumer marketing. Its primary go-to-market is a white-label model: credit unions, banks, employers, and non-profit organizations embed BALANCE's services under their own brand, with BALANCE functioning as the partner's on-call, on-demand financial education and counseling resource. Service delivery is multi-channel, combining certified one-on-one phone counseling, on-site coaching through the Smart Money Coach program, hundreds of workshops and webinars annually, and the BalanceTrack digital platform, which provides instructional modules, toolkits, and calculators.
The product portfolio spans the full financial lifecycle: the Financial Wellness Program for employees (webinars, digital content library, BalanceTrack access), youth financial education under the registered trademarks M3 Money Club® (for kids) and Elements of Money® (for teens), 1:1 coaching, and the Smart Money Coach on-site counseling service. The organization reports handling more than 200,000 phone calls per year and serving millions of consumers cumulatively across home buying, foreclosure avoidance, credit improvement, and debt reduction use cases. The President and CEO is Rico Delgadillo.
Because BALANCE is a non-profit, its revenue mechanics differ from a typical SaaS or services firm: it generates operating revenue through partnership contracts with financial institutions, employers, and non-profits for white-label program delivery, supplemented by donations (a "Give today" link is present on the partner site). Pricing is not publicly disclosed. The organization operates nationally across the United States, has no disclosed parent company, subsidiaries, funding rounds, or M&A activity, and no AI/ML capabilities are described in the available data.
BALANCE Financial Fitness Program firmographics
Firmographics- Name
- BALANCE Financial Fitness Program
- Legal name
- Balance
- Website
- https://whybalance.org
- Company type
- Private
- Founded year
- 1969
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- BALANCE Financial Fitness Program is a U.S. non-profit founded in 1969 that delivers white-label financial counseling and education to credit unions, banks, employers, and non-profit partners. It serves consumer end-users through certified coaches, phone-based counseling, workshops, and its BalanceTrack digital platform.
- Ownership category
- akta.pro rank
BALANCE Financial Fitness Program industry classification
Industry- Product category
- Financial Wellness Services
- NAICS
- Other Activities Related to Credit Intermediation (52239)
- akta.pro primary industry
- Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH)
- akta.pro secondary industries
- Credit Score Monitoring & Credit Building (FSAGADAE), Net Worth & Personal Balance Sheet Tracking (FSAGADAF)
Keywords
Where BALANCE Financial Fitness Program is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Markets served
BALANCE Financial Fitness Program business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Non-profit Organization: As a non-profit organization since 1969, BALANCE generates revenue through partnerships with financial institutions, employers, and non-profits seeking to provide financial wellness programs to their constituencies. Their white-label approach allows partners to offer BALANCE's services under their own brand.
Go-to-market motion1 record
Distribution channels4 records
Marketing channels2 records
BALANCE Financial Fitness Program product offering
Product offeringCore offering
BALANCE delivers white-label financial education and counseling services to credit unions, banks, employers, and non-profits. Its core deliverables include the BalanceTrack digital learning platform with instructional modules, toolkits, and calculators, the Financial Wellness Program for employees, the M3 Money Club and Elements of Money youth financial literacy programs, and one-on-one certified financial coaching through the Smart Money Coach service.
Product overview
BALANCE Financial Fitness Program is a non-profit financial wellness organization founded in 1969, offering a comprehensive suite of services including a Financial Wellness Program for employers (featuring monthly webinars, a digital communications library, and BalanceTrack modules), youth financial education programs (M3 Money Club® for Kids and Elements of Money® for teens), 1:1 coaching, and the Smart Money Coach program. The organization provides white-label financial education and counseling services to financial institutions, non-profits, and employers through a network of certified counselors, supporting over 200,000 phone calls and hundreds of workshops and webinars annually.
Differentiator
Problem solved
Functional benefit
Brands
- BalanceTrack: A turnkey collection of instructional modules, toolkits and calculators for financial education and employee wellness.
- M3 Money Club®
- Elements of Money®
Products and services
- Financial Wellness Program Dynamic employer-facing financial wellness program providing employees with monthly webinars, resources, a digital communications library of insightful content, and BalanceTrack instructional modules, toolkits, and calculators.
- BalanceTrack Turnkey digital collection of instructional modules, toolkits, and calculators that provide practical financial guidance and education to program participants.
- M3 Money Club Comprehensive youth financial education program for children that teaches age-appropriate financial topics in a fun and engaging manner, offered to credit unions and banks.
- Elements of Money Comprehensive financial education program for teenagers that provides resources on a wide range of age-appropriate financial topics in a fun and engaging manner, offered to credit unions and banks.
- Smart Money Coach One-on-one certified financial coaching program where a certified coach provides free, confidential, and personalized financial counseling to help individuals with debt reduction, credit score management, or building savings.
- 1:1 Coaching Personalized one-on-one financial coaching and counseling services for individuals seeking guidance on financial decisions.
Quantifiable outcome
- 200,000+ phone calls handled annually
- +1 more outcomes
Companies that use BALANCE Financial Fitness Program
Customer profileSegments4 records
Ideal customer profiles3 records
BALANCE Financial Fitness Program technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
BALANCE Financial Fitness Program partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Financial Institutions (Credit Unions and Banks)coreBALANCE provides white-label financial education and counseling services to credit unions and banks, enabling them to offer professional financial guidance to their members and customers under their own brand. BALANCE acts as the partner's in-house financial experts, available on-call and on-demand.
Scale indicators5 records
Recent moves6 records
Expansion highlights4 records
BALANCE Financial Fitness Program competitors and assessment
Company assessmentBroad incumbents
- Fidelity Financial Wellness: Major employer-sponsored retirement/wellness provider offering financial education, planning tools, and one-on-one guidance to employees — competes with BALANCE for employer wellness RFPs and benefits broker relationships.
- Prudential Financial Wellness: Large incumbent insurance/asset manager offering employer-facing financial wellness programs including education, coaching, and digital tools — competes for the same employer wellness budget as BALANCE's Financial Wellness Program but with broader financial product cross-sell.
Direct peers
- GreenPath Financial Wellness: Non-profit HUD-approved financial counseling and education organization offering debt management, credit counseling, housing counseling, and financial wellness programs to individuals, employers, and financial institutions — directly comparable to BALANCE's service mix and white-label model.
- Money Management International (MMI): Non-profit credit counseling agency providing debt management plans, housing counseling, bankruptcy counseling, and financial education through digital and phone channels — competing head-to-head with BALANCE for credit union, bank, and employer partnerships.
- Take Charge America: Non-profit credit counseling and financial education agency providing debt management, credit counseling, housing counseling, student loan counseling, and employer financial wellness programs — a close peer operating the same non-profit counseling model.
- Clearpoint Credit Counseling Solutions: Non-profit financial counseling organization offering credit counseling, debt management, housing counseling, student loan counseling, and financial wellness programs to consumers via partners — overlapping almost entirely with BALANCE's offering.
- National Foundation for Credit Counseling (NFCC): National umbrella network of non-profit credit counseling agencies that sets standards and aggregates member agencies delivering credit counseling, debt management, housing counseling, and financial education — the same core services as BALANCE.
- Money Fit by DRT信用评级: Non-profit financial education and credit counseling agency offering debt management, housing counseling, student loan counseling, and employer-based financial wellness services; comparable in scale and white-label partner approach.
Emerging players
- Dave Ramsey's Financial Peace University: Consumer financial education curriculum with strong direct-to-consumer brand and church/employer deployment — overlaps with BALANCE on financial literacy content but distributes through different channels and serves a more self-directed audience.
- LearnLux: Modern financial wellness platform serving employers with digital tools, financial planners, and content — competing for the same employer financial wellness contracts as BALANCE but with a tech-first delivery model.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
BALANCE Financial Fitness Program social profiles
Digital presenceBALANCE Financial Fitness Program financial estimates
Financial estimateRevenue estimate
Valuation estimate
BALANCE Financial Fitness Program leadership team
Management profileNumber of profiles
Profiles1 record
BALANCE Financial Fitness Program funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BALANCE Financial Fitness Program M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BALANCE Financial Fitness Program
What does BALANCE Financial Fitness Program do?
BALANCE delivers white-label financial education and counseling services to credit unions, banks, employers, and non-profits. Its core deliverables include the BalanceTrack digital learning platform with instructional modules, toolkits, and calculators, the Financial Wellness Program for employees, the M3 Money Club and Elements of Money youth financial literacy programs, and one-on-one certified financial coaching through the Smart Money Coach service.
Is BALANCE Financial Fitness Program a public or private company?
BALANCE Financial Fitness Program is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was BALANCE Financial Fitness Program founded?
BALANCE Financial Fitness Program was founded in 1969. It employs 51 to 100 people.
Where is BALANCE Financial Fitness Program based?
BALANCE Financial Fitness Program is headquartered in San Francisco, United States, in the North America region.
How does BALANCE Financial Fitness Program make money?
One revenue line is on record: non-profit Organization.
Who are BALANCE Financial Fitness Program's main competitors?
Broad incumbents on record are Fidelity Financial Wellness and Prudential Financial Wellness. Direct peers are GreenPath Financial Wellness, Money Management International (MMI), Take Charge America, Clearpoint Credit Counseling Solutions, National Foundation for Credit Counseling (NFCC) and Money Fit by DRT信用评级. Emerging players are Dave Ramsey's Financial Peace University and LearnLux.
Does BALANCE Financial Fitness Program have an API?
No public API is recorded for BALANCE Financial Fitness Program.
What industry is BALANCE Financial Fitness Program in?
BALANCE Financial Fitness Program's product category is Financial Wellness Services. Its primary akta.pro industry code is FSAGADAH, Financial Education & Coaching (Digital Programs, Tools), with a secondary code of FSAGADAE, Credit Score Monitoring & Credit Building. Its NAICS code is 52239.