Smart Money Coaching

Our accredited financial coaches can work one-on-one to help you address your financial issues including debt, credit, savings, and banking. Select learn more to be redirected to the SFHSS website for additional information.

A coach is available to speak with you:
Monday 10am – 6pm
Tuesday 10am – 6pm
Wednesday 8:30am – 5pm
Thursday 8:30am – 5pm
Friday 6am – 2pm

Make your appointment today! To learn more, call 877-256-0073. You can also schedule your appointment online by following the instructions below.

Schedule a first appointment online here.
Schedule a follow-up appointment online here.
Schedule a first appointment online in Spanish here.
Schedule a follow-up appointment online in Spanish here.

You will receive an email from BALANCE that will prompt you to complete and electronically sign the required session documents below prior to your first appointment.

1.        BALANCE Privacy Policy

2.       Program Consent Form

3.       Credit Report Authorization Form – English

          Credit Report Authorization Form – Spanish

We look forward to working together to help you establish and meet your goals!

Chris Arague

Chris is bi-lingual in English and Spanish and has a Bachelor’s Degree in Finance from San Francisco State. He received his coaching certification through the National Association of Certified Credit Counselors. He has a passion for giving back to the community and has done so through volunteer work. He has volunteered at the Disability Resource Center at the city college of SF and for the last three years he has assisted adults on the spectrum at AASCEND (Autism Asperger Spectrum Coalition for Education Networking and Development).

Andrew Cullins

Andrew joined BALANCE in September of 2013 and has been a Smart Money Coach since 2015. He received a Bachelor’s degree in Communication and a Minor in Psychology from the University of California, Davis. He brings over 6 years of experience in the field of financial education and is an expert in debt management, student loans, and housing issues. Andrew prides himself in waking up each day and being given the opportunity to influence people’s lives in a positive way.