BALANCE acquires Subcat Media’s youth and family programs, launches new marketing and education division

CONCORD , CA (August 24, 2016) — BALANCE announced it has acquired Subcat Media’s suite of youth and family financial education programs: M3 Money Club® for kids, Elements of Money® for teens, and Buckaroo Family™ for parents. With the acquisition, BALANCE takes another step towards its mission to provide comprehensive financial education and counseling, to help consumers become financially empowered.

By combining BALANCE’s financial wellness programs, educational resources, and housing and credit counseling with Subcat Media’s youth programs, online modules, content library and social media insight, BALANCE is poised to deliver a truly unique experience that can transform how consumers engage with financial education.

As part of the acquisition, the Subcat Media staff will join the BALANCE team, functioning as the company’s new marketing division. They will also work to develop custom education programs for financial institutions, as well as provide product development support. Subcat Media’s president and CEO, James Flores, will oversee the new division as Vice President of Marketing and Education.

“Through our work with consumers and communities across the country, we know there is a real need for effective and relevant youth financial education, said Kathryn J. Davis, President and CEO for BALANCE. “Early intervention is key when preparing an individual for a lifetime of financial success. Not only is Subcat Media the leader in youth financial education, they have a unique understanding of today’s digital landscape and generational insight. M3 Money Club, Elements of Money and Buckaroo Family are the best youth financial education programs in the market today, and will be an excellent complement to BALANCE’s comprehensive suite of financial education programs and counseling resources.”

M3 Money Club® is designed for kids ages six to 12 years old. When a child joins the M3 Money Club, they become part of a league of superheroes tasked with learning positive money skills. The program features a kid-friendly website filled with activities, comics, puzzles and stories.

Elements of Money® is geared toward teens ages 13 to 18 years old. The program utilizes social media with fully-managed marketing campaigns and contests to deliver financial education to today’s tech-enabled generation. It’s driven by a co-branded website featuring articles, podcasts, videos and quizzes.

Buckaroo Family is a social initiative dedicated to helping young parents nurture money-smart families. Anchored by a family-friendly financial website and multi-platform social media presence, Buckaroo Family brings the topic of money into the household in cool and exciting new ways.

For more information, contact James Flores at, or visit


BALANCE is the leader in innovative financial empowerment programs, financial education services, and housing and credit counseling. BALANCE is a non-profit and is a member of the National Foundation for Credit Counseling (NFCC). The company is accredited by the Council on Accreditation of Services for Families and Children, Inc. and is certified by HUD to provide comprehensive housing counseling services. BALANCE’s certified counselors have been helping individuals and families achieve their financial goals since 1969. For more information, visit

About Subcat Media

Subcat Media is a youth and family agency that integrates marketing, education, social media and technology to help credit unions reach the entire household. Their cooperative programs, M3 Money Club® for kids, Elements of Money® for teens, and Buckaroo Family™ for parents, are used by credit unions across the US. and Europe. For more information, visit


James Flores
Vice President Marketing & Education
(714) 447-1110

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