Civic Intelligence

Solutions for Living Inc

990 • Fiscal year 2018 • EIN 04-3221614

Jul 01, 2017 to Jun 30, 2018 • Filed on Apr 30, 2019

Organization ProfileN/A
92 Montvale AvenueStoneham, MA 02180

(781) 306-1180

Siviq Scores

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

Liabilities / Assets

65th percentile

0.22x

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

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

42nd percentile

0.06x

Higher debt load relative to revenue than 42% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Net Margin

61st percentile

7.4%

Higher net margin than 61% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

57th percentile

$76,512

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 7.6% of source-year revenue.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Asset Growth

91st percentile

49%

Faster asset growth than 91% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

73rd percentile

18%

Faster revenue growth than 73% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets65th percentile

Assets

Up

$296,185

Up $97,572 (+49%) from 2017

Net Assets

Up

$231,039

Up $72,080 (+45%) from 2017

Liabilities

Up

$65,146

Up $25,492 (+64%) from 2017

Revenue And Expenses
Liabilities / Revenue42nd percentileNet Margin61st percentile

Revenue

Up

$1,009,118

Up $151,710 (+18%) from 2017

Expenses

Up

$934,305

Up $66,806 (+7.7%) from 2017

Net Income

Up

$74,813

Up $84,904 (+841%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth91st percentile

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

2018

Assets$296,185
Liabilities$65,146
Net Assets$231,039
Open 2018 Filing

Operations Trend

Revenue Growth73rd percentile

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

2018

Revenue$1,009,118
Expenses$934,305
Net Income$74,813
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2017 to Jun 30, 2018
Signed
Apr 30, 2019
Return Version
2017v2.3
Gross Receipts
$1,014,438
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$119,849$158,935▲ $39,086
Pledges and Grants Receivable$37,141$93,479▲ $56,338
Investments in Publicly Traded Securities$19,608$17,013▼ $2,595
Prepaid Expenses and Deferred Charges$685$10,881▲ $10,196
Land, Buildings, and Equipment, Net$5,320--
Savings and Temporary Cash Investments$799$661▼ $138
Investments Other Securities$211$216▲ $5
Total Assets$198,613$296,185▲ $97,572
Other Assets Total$15,000$15,000→ $0
Liabilities
Accounts Payable and Accrued Expenses$39,654$65,146▲ $25,492
Total Liabilities$39,654$65,146▲ $25,492
Net Assets / Fund Balance
Unrestricted Net Assets$158,959$231,039▲ $72,080
Total Net Assets Fund Balance$158,959$231,039▲ $72,080
Total Liabilities and Net Assets / Fund Balance$198,613$296,185▲ $97,572

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$15,000--
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jeanne SchwalbachClinical DirectorFT$69,819$6,693$76,512
Margaret DicoriDirectorPT$55,854-$55,854

Board Members and Trustees

NameTitle
Marc BedinePresident &
Zach BedineDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$934,496
Program Service Revenue
$79,937
Investment Income
$-5,315
Other Revenue
$0
All Other Contributions
$62,225
Change in Net Assets
$74,813

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,009,118
Revenue Not Reported on Form 990
$-2,733
Total Revenue per Audited Statements
$1,006,385
Total Revenue per Form 990
$1,009,118
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$692,936
Other Expenses$241,369
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$411,966$41,824-$453,790
Occupancy$121,468$5,996-$127,464
Current Officers, Directors, Trustees, and Key Employees$69,819$55,854-$125,673
Other Employee Benefits$69,316$-2,468-$66,848
Payroll Taxes$37,871$8,754-$46,625
Fees for Services Other$15,987$14,487-$30,474
Travel-$20,972-$20,972
Insurance-$18,776-$18,776
Office Expenses-$12,701-$12,701
Fees for Services Accounting-$10,358-$10,358
Advertising-$3,274-$3,274
Other Expenses$1,974--$1,974
Total Functional Expenses$743,777$190,528$0$934,305

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$934,305
Total Expenses per Audited Statements$934,305
Total Expenses per Form 990$934,305
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Jeanne SchwalbachFamilyCompensationNo-
Kristine McpheeFamilyCompensationNo-
Richard BedineFormer OfficerCompensationNo-
Rosemarie McpheeDirectorCompensationNo-
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
Yes
Business relationship with organization members
Yes
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

“Marc bedine jeanne schwalbach & zach bedine president directors family relationship”

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

“The treasurer and business manager review form 990 before it is filed.”

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

“Director margaret dicori monitors potential conflicts of interest in conjunction with the full board of directors.”

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

“Approval by the board of directors is required to establish compensation of the organization's top official.”

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

Filer Name
Solutions for Living Inc
EIN
04-3221614
Phone
7813061180
Address
92 MONTVALE AVENUE, STONEHAM, MA 02180

Signing Officer

Name
Margaret Dicori
Title
Director
Phone
7813061180
Signed
2019-04-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Margaret Dicori
Formed
1994
Legal Domicile
Ma
Voting Board Members
4
Independent Board Members
1
Employees
14

Preparer

Firm
Bruce D Norling CPA Pc
Address
410 BOSTON POST RD STE 24, SUDBURY, MA 01776
Preparer
Bruce D Norling CPA Pc
Phone
9784439114
Supplemental Narrative

Additional Explanations

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

“Other fiscal year 2018 program services included high school peer mediation, individual therapy, and youth skill-building and advocacy.”

Raw XML Appendix380 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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IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm1RICHARD BEDINE
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm2ROSEMARIE MCPHEE
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm3KRISTINE MCPHEE
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IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc3COMPENSATION
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt0RICHARD BEDINE IS THE FORMER PRESIDENT OF THE BOARD OF DIRECTORS AND WAS EMPLOYED AS THE ORGANIZATION'S EXECUTIVE DIRECTOR, FOR WHICH HE RECEIVED COMPENSATION. JEANNE SCHWALBACH SITS ON THE ORGANIZATION'S BOARD OF DIRECTORS AND HAS A FAMILY RELATIONSHIP WITH MARC BEDINE, BOD PRESIDENT AND TREASURER, AND WITH ZACH BEDINE, BOD DIRECTOR. SHE IS ALSO EMPLOYED BY THE ORGANIZATION AS CLINICAL DIRECTOR, FOR WHICH SHE IS COMPENSATED. ROSEMARIE MCPHEE, BOD DIRECTOR AND FORMER BUSINESS MANAGER, HAS A FAMILY RELATIONSHIP WITH KRISTINE MCPHEE, CURRENT BUSINESS MANAGER. BOTH RECEIVED COMPENSATION FROM THE ORGANIZATION FOR BUSINESS SERVICES PROVIDED.
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE L, PART V
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0OTHER FISCAL YEAR 2018 PROGRAM SERVICES INCLUDED HIGH SCHOOL PEER MEDIATION, INDIVIDUAL THERAPY, AND YOUTH SKILL-BUILDING AND ADVOCACY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MARC BEDINE JEANNE SCHWALBACH & ZACH BEDINE PRESIDENT DIRECTORS FAMILY RELATIONSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE TREASURER AND BUSINESS MANAGER REVIEW FORM 990 BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DIRECTOR MARGARET DICORI MONITORS POTENTIAL CONFLICTS OF INTEREST IN CONJUNCTION WITH THE FULL BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4APPROVAL BY THE BOARD OF DIRECTORS IS REQUIRED TO ESTABLISH COMPENSATION OF THE ORGANIZATION'S TOP OFFICIAL.
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
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ReturnHeader/BusinessOfficerGrp/PersonNm0MARGARET DICORI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum07813061180
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-04-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SOLUTIONS FOR LIVING INC
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ReturnHeader/FilingSecurityInformation/IPTm010:17:51
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ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRUCE D NORLING CPA PC
ReturnHeader/ReturnTs02019-04-29T10:17:51-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-07-01
ReturnHeader/TaxPeriodEndDt02018-06-30
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$296,185
Liabilities
$65,146
Net assets
$231,039
Revenue
$1,009,118
Expenses
$934,305
Net income
$74,813
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