Civic Intelligence

Solutions for Living Inc

990 • Fiscal year 2014 • EIN 04-3221614

Jul 01, 2013 to Jun 30, 2014 • Filed on Dec 15, 2014

200 Boston AvenueRoom/Suite 1900Stoneham, MA 02155

(781) 306-1180

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

86th percentile

0.61x

Higher debt load relative to assets than 86% of similar nonprofits.

2014 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2014

Liabilities / Revenue

65th percentile

0.12x

Higher debt load relative to revenue than 65% of similar nonprofits.

2014 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2014

Net Margin

48th percentile

2.4%

Higher net margin than 48% of similar nonprofits.

2014 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2014

Top Officer Pay

93rd percentile

$136,057

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 13.8% of source-year revenue.

2014 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2014

Asset Growth

73rd percentile

14%

Faster asset growth than 73% of similar nonprofits.

2014 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2013 to 2014

Revenue Growth

48th percentile

3.5%

Faster revenue growth than 48% of similar nonprofits.

2014 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2013 to 2014

Assets

Up

$196,910

Up $23,600 (+14%) from 2013

Net Assets

Up

$77,300

Up $25,514 (+49%) from 2013

Liabilities

Down

$119,610

Down $1,914 (-1.6%) from 2013

Revenue

Up

$983,876

Up $33,667 (+3.5%) from 2013

Expenses

Up

$959,847

Up $26,050 (+2.8%) from 2013

Net Income

Up

$24,029

Up $7,617 (+46%) from 2013

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$600K$400K$200K$0Assets 2010: $146,843Liabilities 2010: $116,294Net Assets 2010: $30,5492010Assets 2011: $124,162Liabilities 2011: $105,521Net Assets 2011: $18,6412011Assets 2012: $138,719Liabilities 2012: $112,845Net Assets 2012: $25,8742012Assets 2013: $173,310Liabilities 2013: $121,524Net Assets 2013: $51,7862013Assets 2014: $196,910Liabilities 2014: $119,610Net Assets 2014: $77,3002014Assets 2015: $226,270Liabilities 2015: $83,533Net Assets 2015: $142,7372015Assets 2016: $233,871Liabilities 2016: $63,893Net Assets 2016: $169,9782016Assets 2017: $198,613Liabilities 2017: $39,654Net Assets 2017: $158,9592017Assets 2018: $296,185Liabilities 2018: $65,146Net Assets 2018: $231,0392018Assets 2019: $302,422Liabilities 2019: $33,069Net Assets 2019: $269,3532019Assets 2020: $425,549Liabilities 2020: $51,821Net Assets 2020: $373,7282020Assets 2021: $500,608Liabilities 2021: $50,582Net Assets 2021: $450,0262021Assets 2022: $401,809Liabilities 2022: $43,719Net Assets 2022: $358,0902022Assets 2023: $114,203Liabilities 2023: $0Net Assets 2023: $114,2032023Assets 2024: $107,302Liabilities 2024: $107,302Net Assets 2024: $02024Assets 2025: $0Net Assets 2025: $02025

Highlighted filing

2014

Assets$196,910
Liabilities$119,610
Net Assets$77,300

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $869,3692010Revenue 2011: $889,848Expenses 2011: $904,994Net Income 2011: -$15,1462011Expenses 2012: $875,3522012Revenue 2013: $950,209Expenses 2013: $933,797Net Income 2013: $16,4122013Revenue 2014: $983,876Expenses 2014: $959,847Net Income 2014: $24,0292014Revenue 2015: $993,437Expenses 2015: $923,940Net Income 2015: $69,4972015Revenue 2016: $889,219Expenses 2016: $862,336Net Income 2016: $26,8832016Revenue 2017: $857,408Expenses 2017: $867,499Net Income 2017: -$10,0912017Revenue 2018: $1,009,118Expenses 2018: $934,305Net Income 2018: $74,8132018Revenue 2019: $989,446Expenses 2019: $943,819Net Income 2019: $45,6272019Revenue 2020: $1,077,987Expenses 2020: $975,408Net Income 2020: $102,5792020Revenue 2021: $1,032,513Expenses 2021: $957,487Net Income 2021: $75,0262021Revenue 2022: $887,447Expenses 2022: $928,674Net Income 2022: -$41,2272022Revenue 2023: $4,975Expenses 2023: $248,862Net Income 2023: -$243,8872023Revenue 2024: $344Expenses 2024: $114,547Net Income 2024: -$114,2032024

Highlighted filing

2014

Revenue$983,876
Expenses$959,847
Net Income$24,029
Jump To
Filing Snapshot
Filing Period
Jul 1, 2013 to Jun 30, 2014
Signed
Dec 15, 2014
Return Version
2013v3.1
Gross Receipts
$983,876
Mission and Program Overview

Mission

The organization provides counseling and mediation services to children, adolescents, and their families.

The organization provides counseling and mediation services to children, adolescents and their families.

Balance Sheet Detail
LineBeginningEndChange
Assets
Pledges and Grants Receivable$82,448$86,327▲ $3,879
Cash and Non-Interest-Bearing Accounts$29,723$51,163▲ $21,440
Investments in Publicly Traded Securities$37,779$36,820▼ $959
Land, Buildings, and Equipment, Net$8,360$7,600▼ $760
Total Assets$173,310$196,910▲ $23,600
Other Assets Total$15,000$15,000→ $0
Liabilities
Accounts Payable and Accrued Expenses$121,524$111,610▼ $9,914
Other Liabilities-$8,000-
Total Liabilities$121,524$119,610▼ $1,914
Net Assets / Fund Balance
Unrestricted Net Assets$51,786$77,300▲ $25,514
Total Net Assets Fund Balance$51,786$77,300▲ $25,514
Total Liabilities and Net Assets / Fund Balance$173,310$196,910▲ $23,600

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$7,600$57,984$65,584
Other Assets Org$15,000--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Richard BedinePresident &FT$114,706$21,351$136,057
Margaret DicoriClerk & Trea-$1,000-$1,000
Revenue and Support

Revenue Composition

Contributions and Grants
$891,928
Program Service Revenue
$88,014
Investment Income
$3,934
Other Revenue
$0
All Other Contributions
$35,257
Change in Net Assets
$24,029

Audited Revenue Reconciliation

Revenue per Audited Statements
$983,876
Revenue Not Reported on Form 990
$1,485
Total Revenue per Audited Statements
$985,361
Total Revenue per Form 990
$983,876
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$728,328
Other Expenses$231,519
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$425,741$37,073-$462,814
Occupancy$118,919$7,991-$126,910
Current Officers, Directors, Trustees, and Key Employees-$121,216-$121,216
Other Employee Benefits$75,605$24,772-$100,377
Payroll Taxes$32,634$11,287-$43,921
Travel$26,932$1,473-$28,405
Fees for Services Other$14,881$7,474-$22,355
Insurance$10,952$3,675-$14,627
Fees for Services Accounting-$7,751-$7,751
Other Expenses$2,474--$2,474
Depreciation Depletion-$760-$760
All Other Expenses$326--$326
Total Functional Expenses$736,375$223,472$0$959,847

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$959,847
Total Expenses per Audited Statements$959,847
Total Expenses per Form 990$959,847
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Bank Line of Credit$8,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 2

Richard bedine jeanne schwalbach exec direct employee family relationship richard bedine richard bedine exec direct president same individual

Form 990, Page 6, Part VI, Line 11B

The president and treasurer review form 990 before it is filed.

Form 990, Page 6, Part VI, Line 12C

Richard bedine, president and executive director, monitors potential conflicts of interest in conjunction with an independent board member.

Form 990, Page 6, Part VI, Line 15A

Approval by the board of directors is required to establish the compensation of the executive director.

Form 990, Page 6, Part VI, Line 15B

Approval by the board of directors is required to establish compensation of all employees of the organization.

Form 990, Page 6, Part VI, Line 19

Documents are available upon request

Filing and Contact Details

Filer

EIN
04-3221614
Phone
7813061180

Signing Officer

Name
Richard Bedine
Title
Executive Director
Phone
7813061180
Signed
2014-12-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Richard Bedine Execuitve Director
Formed
1994
Legal Domicile
Ma
Voting Board Members
2
Independent Board Members
1
Employees
16

Preparer

Preparer
Bruce D Norling CPA Pc
Phone
9784439114
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

Other fiscal year 2013 program services included youth advocacy, tracking, score mediation, and individual therapy.

Raw XML Appendix353 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0OTHER FISCAL YEAR 2013 PROGRAM SERVICES INCLUDED YOUTH ADVOCACY, TRACKING, SCORE MEDIATION, AND INDIVIDUAL THERAPY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1RICHARD BEDINE JEANNE SCHWALBACH EXEC DIRECT EMPLOYEE FAMILY RELATIONSHIP RICHARD BEDINE RICHARD BEDINE EXEC DIRECT PRESIDENT SAME INDIVIDUAL
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE PRESIDENT AND TREASURER REVIEW FORM 990 BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3RICHARD BEDINE, PRESIDENT AND EXECUTIVE DIRECTOR, MONITORS POTENTIAL CONFLICTS OF INTEREST IN CONJUNCTION WITH AN INDEPENDENT BOARD MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4APPROVAL BY THE BOARD OF DIRECTORS IS REQUIRED TO ESTABLISH THE COMPENSATION OF THE EXECUTIVE DIRECTOR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5APPROVAL BY THE BOARD OF DIRECTORS IS REQUIRED TO ESTABLISH COMPENSATION OF ALL EMPLOYEES OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DOCUMENTS ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0173310
IRS990/TotalAssetsEOYAmt0196910
IRS990/TotalAssetsGrp/BOYAmt0173310
IRS990/TotalAssetsGrp/EOYAmt0196910
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0891928
IRS990/TotalEmployeeCnt016
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0223472
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0736375
IRS990/TotalFunctionalExpensesGrp/TotalAmt0959847
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0121524
IRS990/TotalLiabilitiesEOYAmt0119610
IRS990/TotalLiabilitiesGrp/BOYAmt0121524
IRS990/TotalLiabilitiesGrp/EOYAmt0119610
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt051786
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt077300
IRS990/TotalOtherCompensationAmt021351
IRS990/TotalOtherProgSrvcExpenseAmt0179713
IRS990/TotalOtherProgSrvcRevenueAmt0224334
IRS990/TotalProgramServiceExpensesAmt0736375
IRS990/TotalProgramServiceRevenueAmt088014
IRS990/TotalReportableCompFromOrgAmt0115706
IRS990/TotalRevenueGrp/ExclusionAmt03934
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt088014
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0983876
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0173310
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0196910
IRS990/TravelGrp/ManagementAndGeneralAmt01473
IRS990/TravelGrp/ProgramServicesAmt026932
IRS990/TravelGrp/TotalAmt028405
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt051786
IRS990/UnrestrictedNetAssetsGrp/EOYAmt077300
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10200 BOSTON AVENUE SUITE 1900
IRS990/USAddress/City0MEDFORD
IRS990/USAddress/State0MA
IRS990/USAddress/ZIPCode002155
IRS990/VotingMembersGoverningBodyCnt02
IRS990/VotingMembersIndependentCnt01
IRS990/WebsiteAddressTxt0SOLUTIONSFORLIVING.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0RICHARD BEDINE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum07813061180
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-12-15
ReturnHeader/Filer/BusinessName/BusinessNameLine10SOLUTIONS FOR LIVING INC
ReturnHeader/Filer/BusinessNameControlTxt0SOLU
ReturnHeader/Filer/EIN0043221614
ReturnHeader/Filer/PhoneNum07813061180
ReturnHeader/Filer/USAddress/AddressLine10200 BOSTON AVENUE
ReturnHeader/Filer/USAddress/AddressLine20ROOM/SUITE 1900
ReturnHeader/Filer/USAddress/City0MEDFORD
ReturnHeader/Filer/USAddress/State0MA
ReturnHeader/Filer/USAddress/ZIPCode002155
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0043147371
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10BRUCE D NORLING CPA PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10410 BOSTON POST RD STE 24
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0SUDBURY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode001776
ReturnHeader/PreparerPersonGrp/PhoneNum09784439114
ReturnHeader/PreparerPersonGrp/PreparationDt02014-12-18
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRUCE D NORLING CPA PC
ReturnHeader/ReturnTs02014-12-18T10:16:41-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-07-01
ReturnHeader/TaxPeriodEndDt02014-06-30
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.00$0.00
2024Detailed filing. Detailed filing data is available for this year.$0.11$0.11$0.00$0.00$0.11$0.11
2023Detailed filing. Detailed filing data is available for this year.$0.11$0.00$0.11$0.00$0.25$0.24
2022Detailed filing. Detailed filing data is available for this year.$0.40$0.04$0.36$0.89$0.93$0.04
2021Detailed filing. Detailed filing data is available for this year.$0.50$0.05$0.45$1.03$0.96$0.08
2020Detailed filing. Detailed filing data is available for this year.$0.43$0.05$0.37$1.08$0.98$0.10
2019Detailed filing. Detailed filing data is available for this year.$0.30$0.03$0.27$0.99$0.94$0.05
2018Detailed filing. Detailed filing data is available for this year.$0.30$0.07$0.23$1.01$0.93$0.07
2017Detailed filing. Detailed filing data is available for this year.$0.20$0.04$0.16$0.86$0.87$0.01
2016Detailed filing. Detailed filing data is available for this year.$0.23$0.06$0.17$0.89$0.86$0.03
2015Detailed filing. Detailed filing data is available for this year.$0.23$0.08$0.14$0.99$0.92$0.07
2014Detailed filing. Detailed filing data is available for this year.$0.20$0.12$0.08$0.98$0.96$0.02
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.17$0.12$0.05$0.95$0.93$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.14$0.11$0.03$0.88
2011Summary only. Only limited summary data is available for this year.$0.12$0.11$0.02$0.89$0.90$0.02
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.15$0.12$0.03$0.87
Peer Organizations

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