Kristin Bilak

(909) 455-4840
kristin@terrawest.group

Financial Consultant

With nine years of experience in agricultural banking, Kristin specializes in supporting dairy and permanent crop operations—from pistachios and almonds to wine grapes and lumber—across the Central Coast, Fresno, Visalia, Bakersfield, and the Bay Area.

Agriculture isn’t just her profession—it’s her legacy. Raised in a third-generation dairy family, Kristin grew up in an operation that served the community for over six decades. She combines this hands-on experience with financial expertise to help producers make informed decisions that drive long-term growth and stability.

Known for her integrity and relationship-driven approach, Kristin values partnerships built on trust. Outside of work, she enjoys life with her husband, Richard, and their two sons, Wesley and Willem, keeping family and agriculture at the heart of everything she does.