Meet Our Team

Mary Ballin, CFP(R), is a client advisor at San Francisco Bay Area wealth management firm Mosaic Financial Partners.


Mary Ballin's depth of character is matched by her warmth, and she takes pride in advocating for the financial health of her clients and their families. Mary joined the Mosaic team in 2003, helping to spearhead and grow our East Bay offices. She earned the CFP® designation in 2010 and the CDFA® designation in 2018. 

Mary specializes in working with women who have experienced a life transition, such as divorce, widowhood, marriage, or an unexpected event. She has a personal passion for providing financial education to women of all ages about a wide variety of personal finance topics. Alongside Mosaic colleague Liz Revenko, Mary co-founded and hosts Mosaic Women’s Circles, quarterly gatherings where women come together to discuss their relationships with money and to learn from each other’s experiences. 

A native of the East Bay, Mary stays very active in the community, serving on multiple boards and in various volunteer capacities. In her spare time, Mary enjoys spending time with her young adult children, being outdoors, reading historical non-fiction, and watching historical programing, especially concerning European monarchies.



  • Women in Transition
  • Dealing with Debt
  • Family Needs (such as saving for college, taking care of elderly parents, and other needs)


In The News 

Forbes / July 5, 2018

How To Talk Retirement With Your Spouse

You've heard of movie dates, right? Money dates are just as beneficial to your relationship, and snacks are also encouraged. Mary Ballin puts it into context for Forbes, via writer Andrea Coombes.


ValuePenguin / May 29, 2018

Should Your Retirement Plan Include a Reverse Mortgage?

For some retirees, it may make sense to carry a reverse mortgage after they exit the working world. But if you are concerned with leaving your estate to your loved ones, this may be ill-advised. Mary weighs in. 

There are good reasons to avoid a reverse mortgage, as well. For instance, you must live in the home if you have a reverse mortgage on it. If personal or health circumstances make that impossible, a reverse mortgage isn’t a viable solution, says Mary Ballin, a certified financial planner in Walnut Creek, California.

Another consideration is your family’s wishes. If it’s important to your spouse, children and grandchildren to keep the family home, a reverse mortgage may not be an appropriate financial decision. “Unless the heirs can pay (the reverse mortgage) back with other assets,” Ballin says, “they may not be able to keep the house.”


PR Newswire / April 24, 2018

Client Advisor Mary Ballin Earns CDFA® Designation

Ms. Ballin is focused, always, on helping clients make equitable and secure decisions.

"I always say, during divorce, in the decisions that come with separating assets, every dollar is not created equal. A certified divorce financial analyst (CDFA®will make you aware of the tax implications and other financial impacts of settlement options that you might not have considered otherwise."


NerdWallet / November 22, 2017

How to Split Home Value in a Divorce

Mary weighed in on what to do with the family home after a divorce in this article by Holden Lewis for NerdWallet.

"Even in an amicable divorce, it’s wise for each spouse to order an appraisal, says Mary Ballin, a certified financial planner and client advisor for Mosaic Financial Partners, in Walnut Creek, California. Getting two appraisals protects both sides, as it’s unlikely that two appraisals would be inaccurate in the same way, she says."

 Syndicated to the Huffington Post


Financial Advisor / October 2, 2017

5 Signs Elder Care is Ruining a Client's Retirement

Americans caring for aging parents may neglect their own finances, writes Juliette Fairley for Financial Advisor magazine. 

“It comes down to being proactive,” said Mary L. Ballin, a financial advisor in Walnut Creek, Calif. “If adult children are in communication with their parents and visiting periodically, there hopefully won’t be surprises concerning the parent’s financial matters.”


CNNMoney / July 27, 2017

Should I Pay Off Debt or Save?

Tackling debt responsibly means you need to look at your overall financial picture in order to understand what to prioritize.  Writer Laura Sanicola quotes Mary in her CNNMoney "Broke No More" column on things to assess. Mary advises that starting simply is best: "If the debt is costing more than what you are earning, then prioritize paying [the] loans off."


Divorce Financial Analyst Journal / January 27, 2017

How to Keep Divorce from Ruining Your Client's Financial Future

In her first article geared towards professionals who assist divorcing clients, Mary stresses the emotional toll a divorce can take, and asks that this toll be kept forefront in mind while seeing to the financial planning necessities of divorcing clients. Clients may be traumatized, so professionals need to ensure they are seeing to tax and insurance elements as well as budgeting.


NerdWallet / October 31, 2016

Deciding What to Do With the Family Home After Divorce

The family house is an emotional cornerstone, but it's also an asset that must be objectively analyzed and divided when two people decide to divorce. Mary offers thoughtful tips on negotiating the key financial issues when considering what to do with the family home after divorce.  Syndicated to NasdaqSF Gate, My San Antonio, The Atlanta Journal Constitution, Palm Beach Daily News, TC Palm, Palm Beach Post, Austin-American Statesman, WHIO, Journal News, NewsOKMetro, and the Women's Choice Award blog.


Reuters / October 13, 2016

The Millennial On Your Cellphone Plan is Ruining Retirement

The budgetary impact of enabling grown children can be eye-opening, reports Beth Pinsker for the Reuters Money section. Mary is sourced as an advisor who councils clients on this subject, and as one who manages it personally: "Ballin not only advises clients who are trying to get their "kids" off the balance sheet, but she also knows from experience. Her 21-year-old son is currently living at home, taking a break from college. Her strategy is to enforce a payment schedule."

Syndicated to The Fiscal Times, Yahoo! Finance, and's Money.


Nerdwallet / March 21, 2016

Women: How to Keep Divorce From Ruining Your Financial Future

Divorce has a way of hitting women hard. Research shows that they take longer than men to bounce back financially. Mary Ballin discusses major points women going through divorce must remain aware of in order to protect themselves and their families. 

Syndicated to NewsOK, and featured on the Women's Choice Award website.


Financial Advisor Magazine / February 10, 2016

College Debt Follows Clients Into Retirement

Our highly quotable Mary Ballin is featured in this eye-opening article by Maureen Nevin Duffy on the long term and far reaching impacts of student loan debt. Mary ends the article with a bang: “It's very important for parents to have that conversation... and not get caught up with the emotion of Little Johnny's acceptance to some Ivy League university,” she cautions. “That piece of paper with a pretty name can get you in an ugly hole.”


Nerdwallet / February 9, 2016 

Female Caregivers Must Care for Themselves Too

Mary Ballin steers the focus towards care for the caregivers, who often overlook self care. "It's important to include yourself in the list of people you're taking care of." 

Syndicated to NasdaqNewsOKand featured on the Women's Choice Award blog.


Nerdwallet / October 23 2015

First Step to Financially Independent Offspring: Create a Family Council

Mary Ballin and Ricci Victorio wrote about the importance of creating a family council to reach financial independence.

Also posted on Nasdaq.

Deseret News National / September 13 2015

What Financial Planners Teach Their Children

Mary Ballin was interviewed by writer Chuck Green in an article on Deseret News National about how and what a financial planner can teach their children.

Also posted on TimesReporter / Telegram.


San Francisco Business Times / March  26, 2015

San Francisco Women on the Move

Mary has been recognized in the San Francisco Business Times “bizwomen” section under “San Francisco Women on the Move” for her recent promotion to Client Advisor. 

Directions for Women / January 20, 2015

Why Are Women’s Circles So Effective?

Mary Ballin and Liz Revenko were recognized as some of the earliest facilitators for the national movement called Women’s Circles.


CNBC / January 26th, 2015

Risky Business: Gauging Tolerance of Market Volatility

Mary Ballin, a CFP® and senior financial planner with Mosaic Financial Partners, said investors' goals are sometimes conflicting. "You could have, say, [a retired person] who doesn't want any risk," said Ballin, noting that such a person's portfolio would be earning very little income because of the safety of their investments.



BS, Business Administration and Marketing, California State University Hayward (East Bay), 1985

Certificate, Personal Financial Planning, UC Berkeley Extension, 2008




CDFA®, Certified Divorce Financial Analyst®, 2018



Women’s Choice Award, Financial Advisor, 2016 – 2017

San Francisco Business Times, “San Francisco Women on the Move,” 2015

Professional Affiliations

Financial Planning Association (FPA), East Bay Chapter, 2004 – Present


Children’s Hospital Foundation
Professional Advisors Board Member, 2012 – 2017


Girl Scouts, San Ramon Service Unit
Membership Support Manager/Registrar, 2012 – 2016
Troop Leader, 2006 - 2016


Tri-Valley Estate Planning Council, 2004 – Present
President, 2010 – 2011 


ProVisors, 2014 – Present


American Cancer Society
Contra Costa Professional Advisory Board, 2016 – Present


East Bay Community Foundation
Member, Professional Advisory Leadership Council, 2016 – Present