Mary L. Ballin, recipient of the Women's Choice Award, has over 15 years of experience in the financial services industry. She joined Mosaic Financial Partners, Inc. in 2003 and was an essential part of the team who founded the East Bay office. Prior to joining Mosaic, Mary spent several years with Charles Schwab and Co. Inc. as a trader in Denver, CO and then as a Investment Consultant in Castro Valley. Mary’s extensive experience also includes corporate retail management, where as a store executive she helped lead the company’s regional store growth.
Mary specializes in working with women who have experienced a life transition, such as divorce, widowhood, marriage, or an unexpected loss. The vast majority of women are, at some point in life, going to be put in a position where they have to take care of themselves financially. As a result, Mary has a passion for providing education to women about a wide variety of personal financial topics. She and colleague Liz Revenko founded Mosaic Women’s Circles, quarterly gatherings where women come together to explore their relationships with money and learn from each other’s experiences.
Mary is a member of the East Bay chapter of the Financial Planning Association. A native of the East Bay, Mary is very active in the community. Currently, she volunteers her time with Girl Scouts both as a troop leader and as a member of the San Ramon Service Unit as Membership Support Manager and Registrar.
In December 2008, Mary completed the Certified Financial Planning Board required coursework through UC Berkeley’s Personal Financial Planning program and in May 2010, she earned the right to use the CERTIFIED FINANCIAL PLANNER™ designation. She received her Bachelor of Science from California State University, Hayward in Business Administration and Marketing.
Divorce Financial Analyst Journal / January 27, 2017
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
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 Nasdaq, SF Gate, My San Antonio, The Atlanta Journal Constitution, Palm Beach Daily News, TC Palm, Palm Beach Post, Austin-American Statesman, WHIO, Journal News, NewsOK, Metro, and the Women's Choice Award blog.
Reuters / October 13, 2016
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."
Nerdwallet / March 21, 2016
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.
Financial Advisor Magazine / February 10, 2016
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
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."
Nerdwallet / October 23 2015
Mary Ballin and Ricci Victorio wrote about the importance of creating a family council to reach financial independence.
Also posted on Nasdaq.
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.
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.
Mary Ballin and Liz Revenko were recognized as some of the earliest facilitators for the national movement called Women’s Circles.
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.