Civic Intelligence

Florida School of Holistic Living Inc.

EIN 20-5047949 • 501(c)3 • Orlando, FL

Pub. 78 Eligible

Profile

Cultivating a sustainable community by empowering individuals through philosophy-in-practice education that promotes holistic living and engendering community projects and programs designed to strengthen the community as a whole through conservation of the environment as a whole.

PO Box 540764Orlando, FL 32854

www.holisticlivingschool.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

83rd percentile

0.49x

Higher debt load relative to assets than 83% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

90th percentile

1.25x

Higher debt load relative to revenue than 90% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Net Margin

60th percentile

9.9%

Higher net margin than 60% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

43rd percentile

$15,600

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Asset Growth

26th percentile

-4.1%

Faster asset growth than 26% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

15th percentile

-20%

Faster revenue growth than 15% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Assets

Down

$1,793,642

Down $76,721 (-4.1%) from 2024

Liabilities

Down

$880,673

Down $130,918 (-13%) from 2024

Net Assets

Up

$912,969

Up $54,197 (+6.3%) from 2024

Revenue

Down

$704,292

Down $177,437 (-20%) from 2024

Expenses

Down

$634,357

Down $40,425 (-6.0%) from 2024

Net Income

Down

$69,935

Down $137,012 (-66%) from 2024

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$2.0M$1.5M$1.0M$500K$0Assets 2011: $12,491Liabilities 2011: $51,2512011Assets 2012: $22,104Liabilities 2012: $51,2512012Assets 2013: $105,084Liabilities 2013: $51,750Net Assets 2013: $53,3342013Assets 2014: $107,548Liabilities 2014: $51,402Net Assets 2014: $56,1462014Assets 2015: $182,068Liabilities 2015: $57,643Net Assets 2015: $124,4252015Assets 2016: $1,547,366Liabilities 2016: $129,551Net Assets 2016: $1,417,8152016Assets 2017: $720,957Liabilities 2017: $103,196Net Assets 2017: $617,7612017Assets 2018: $434,833Liabilities 2018: $87,616Net Assets 2018: $347,2172018Assets 2019: $317,020Liabilities 2019: $87,904Net Assets 2019: $229,1162019Assets 2020: $1,641,134Liabilities 2020: $1,463,662Net Assets 2020: $177,4722020Assets 2021: $1,635,124Liabilities 2021: $1,397,645Net Assets 2021: $237,4792021Assets 2022: $1,595,737Liabilities 2022: $1,175,260Net Assets 2022: $420,4772022Assets 2023: $1,713,724Liabilities 2023: $1,147,224Net Assets 2023: $566,5002023Assets 2024: $1,870,363Liabilities 2024: $1,011,591Net Assets 2024: $858,7722024Assets 2025: $1,793,642Liabilities 2025: $880,673Net Assets 2025: $912,9692025

Highlighted filing

2025

Assets$1,793,642
Liabilities$880,673
Net Assets$912,969

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2011: $51,469Expenses 2011: $56,188Net Income 2011: -$4,7192011Revenue 2012: $130,285Expenses 2012: $120,672Net Income 2012: $9,6132012Revenue 2013: $299,086Expenses 2013: $216,605Net Income 2013: $82,4812013Revenue 2014: $329,318Expenses 2014: $326,506Net Income 2014: $2,8122014Revenue 2015: $359,152Expenses 2015: $289,896Net Income 2015: $69,2562015Revenue 2016: $2,409,936Expenses 2016: $996,941Net Income 2016: $1,412,9952016Revenue 2017: $471,273Expenses 2017: $1,291,901Net Income 2017: -$820,6282017Revenue 2018: $198,764Expenses 2018: $480,154Net Income 2018: -$281,3902018Revenue 2019: $132,438Expenses 2019: $254,165Net Income 2019: -$121,7272019Revenue 2020: $242,393Expenses 2020: $324,598Net Income 2020: -$82,2052020Revenue 2021: $395,412Expenses 2021: $335,406Net Income 2021: $60,0062021Revenue 2022: $549,563Expenses 2022: $367,495Net Income 2022: $182,0682022Revenue 2023: $615,163Expenses 2023: $499,320Net Income 2023: $115,8432023Revenue 2024: $881,729Expenses 2024: $674,782Net Income 2024: $206,9472024Revenue 2025: $704,292Expenses 2025: $634,357Net Income 2025: $69,9352025

Highlighted filing

2025

Revenue$704,292
Expenses$634,357
Net Income$69,935

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.79$0.88$0.91$0.70$0.63$0.07
2024Detailed filing. Detailed filing data is available for this year.$1.87$1.01$0.86$0.88$0.67$0.21
2023Detailed filing. Detailed filing data is available for this year.$1.71$1.15$0.57$0.62$0.50$0.12
2022Detailed filing. Detailed filing data is available for this year.$1.60$1.18$0.42$0.55$0.37$0.18
2021Detailed filing. Detailed filing data is available for this year.$1.64$1.40$0.24$0.40$0.34$0.06
2020Detailed filing. Detailed filing data is available for this year.$1.64$1.46$0.18$0.24$0.32$0.08
2019Summary only. Only limited summary data is available for this year.$0.32$0.09$0.23$0.13$0.25$0.12
2018Detailed filing. Detailed filing data is available for this year.$0.43$0.09$0.35$0.20$0.48$0.28
2017Detailed filing. Detailed filing data is available for this year.$0.72$0.10$0.62$0.47$1.29$0.82
2016Detailed filing. Detailed filing data is available for this year.$1.55$0.13$1.42$2.41$1.00$1.41
2015Detailed filing. Detailed filing data is available for this year.$0.18$0.06$0.12$0.36$0.29$0.07
2014Detailed filing. Detailed filing data is available for this year.$0.11$0.05$0.06$0.33$0.33$0.00
2013Summary only. Only limited summary data is available for this year.$0.11$0.05$0.05$0.30$0.22$0.08
2012Summary only. Only limited summary data is available for this year.$0.02$0.05$0.13$0.12$0.01
2011Summary only. Only limited summary data is available for this year.$0.01$0.05$0.05$0.06$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Nov 12, 2025
Return Version
2024v5.2
Gross Receipts
$707,047
Mission and Program Overview

Mission

Cultivating a sustainable community by empowering individuals through philosophy-in-practice education that promotes holistic living and engendering community projects and programs designed to strengthen the community as a whole through conservation of the environment as a whole.

Cultivating a sustainable community by empowering individuals through philosophy-in-practice education that promotes holistic living.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$1,582,800$1,550,447▼ $32,353
Savings and Temporary Cash Investments-$145,707-
Cash and Non-Interest-Bearing Accounts$276,231$73,958▼ $202,273
Loans From Officers Directors$51,326$51,326→ $0
Accounts Receivable$6,647$21,433▲ $14,786
Inventories for Sale or Use$3,093$2,097▼ $996
Total Assets$1,870,363$1,793,642▼ $76,721
Other Assets Total$1,592--
Liabilities
Mortgage Notes Payable Secured by Investment Property$936,990$815,690▼ $121,300
Accounts Payable and Accrued Expenses$23,275$13,657▼ $9,618
Total Liabilities$1,011,591$880,673▼ $130,918
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$858,772$912,969▲ $54,197
Total Net Assets Fund Balance$858,772$912,969▲ $54,197
Total Liabilities and Net Assets / Fund Balance$1,870,363$1,793,642▼ $76,721

Asset Categories

AssetBook ValueDepreciationBasis
Land$837,500-$837,500
Buildings$668,782$130,133$798,915
Equipment$23,369$31,521$54,890
Other Land Buildings$20,796$21,212$42,008
Leasehold Improvements-$8,056$7,845
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Emily RuffFounder and CEOPT$15,600$15,600
Christina LynchDirector-$1,725$1,725

Board Members and Trustees

NameTitle
Eleanor KuntzDirector
Marsha RuffDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$308,587
Program Service Revenue
$390,868
Investment Income
$0
Other Revenue
$4,837
All Other Contributions
$304,587
Change in Net Assets
$69,935
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$448,082
Salaries, Compensation, and Employee Benefits$186,120
Total Fundraising Expense$32,215
Grants and Similar Amounts Paid$155
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$130,463$26,154-$156,617
Depreciation Depletion$34,906--$34,906
Advertising$5,479-$13,785$19,264
Conferences and Meetings$19,110--$19,110
Current Officers, Directors, Trustees, and Key Employees$9,360$4,680$1,560$15,600
Payroll Taxes$11,421$2,348$134$13,903
Information Technology$8,691$1,503$333$10,527
Office Expenses$6,972$2,146$16$9,134
Occupancy$8,260--$8,260
Insurance-$2,951-$2,951
Fees for Services Accounting-$1,950-$1,950
Travel$1,141--$1,141
Other Expenses$70$108$776$776
Grants to Domestic Individuals$155--$155
Total Functional Expenses$538,274$63,868$32,215$634,357
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

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$51,326$51,326→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal income taxes-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
No
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
No
Other officer compensation reviewed
No
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, Part VI, Section A, Line 2

Marsha ruff is the mother of emily ruff

Form 990, Part VI, Section B, Line 11B

An electronic copy of the 990 is provided to all board members prior to filing

Form 990, Part VI, Section B, Line 12C

Compliance with the conflict of interest policy is an agenda item at each meeting

Form 990, Part VI, Section C, Line 19

The organization makes its governing documents, conflict of interest policy and financial statements available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Florida School of Holistic Living
EIN
20-5047949
Phone
4075953731
Address
PO Box 540764, ORLANDO, FL 32854

Signing Officer

Name
Emily Ruff
Title
Founder and CEO
Phone
4075953731
Signed
2025-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Emily Ruff
Formed
2006
Legal Domicile
Fl
Voting Board Members
4
Independent Board Members
3
Employees
8
Volunteers
270

Preparer

Firm
Care Accounting Services
Address
633 BUCKMINSTER CIRCLE, ORLANDO, FL 32803
Preparer
Carrie Schulz
Phone
4079102556
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IRS990/OtherExpensesGrp/TotalAmt2378
IRS990/OtherExpensesGrp/TotalAmt3776
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt026154
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0130463
IRS990/OtherSalariesAndWagesGrp/TotalAmt0156617
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IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt0134
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt02348
IRS990/PayrollTaxesGrp/ProgramServicesAmt011421
IRS990/PayrollTaxesGrp/TotalAmt013903
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0EMILY RUFF
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IRS990/ProgramServiceRevenueGrp/Desc0TUITION INCOME
IRS990/ProgramServiceRevenueGrp/Desc1CONFERENCE FEES
IRS990/ProgramServiceRevenueGrp/Desc2SAGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3OTHER PROGRAM INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0163077
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt118517
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2197326
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt311948
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IRS990/ProgSrvcAccomActy2Grp/Desc0FSHL HELD ITS FLORIDA HERBAL CONFERENCE ON THE ENVIRONMENTAL AND HEALTH IMPACTS OF HERBALISM AS A ONE-DAY EVENT WITH BOTH IN-PERSON AND ONLINE FORMATS. THIS CONFERENCE DREW OVER 1,000 PARTICIPANTS AND INCLUDED 18 CLASSES.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt030260
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt018517
IRS990/ProgSrvcAccomActy3Grp/Desc0FSHL CONTINUED INVOLVEMENT WITH A SUBSIDIARY NON-PROFIT ORGANIZATION, SAGE MOUNTAIN BOTANICAL SANCTUARY, IN CENTRAL VERMONT TO FURTHER OUR WORK IN CONSERVATION. THIS CENTER IS OPEN TO THE PUBLIC FOR EDUCATIONAL WEEKEND PROGRAMS, DAY VISITS, PRIVATE RETREATS, WORKSHOPS, AND CLASSES. YOUTH PROGRAMMING WAS EXPANDED IN COLLABORATION WITH THE LOCAL PUBLIC SCHOOL. A FULL-TIME AFTERSCHOOL PROGRAM CONTINUED DURING THIS FISCAL YEAR. OUTREACH PROGRAMS INCLUDING WILDLIFE CONSERVATION AND ADVOCACY, EDUCATIONAL PROGRAMS WITH SCHOOLS AND ORGANIZATIONS, HOSPICE COLLABORATIONS, AND CONTINUING EDUCATIONAL AND HISTORICAL LEGACY OPPORTUNITIES REMAIN ACTIVE AND GROWING.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0414134
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt0197326
IRS990/ProhibitedTaxShelterTransInd0false
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IRS990/PYGrantsAndSimilarPaidAmt03638
IRS990/PYInvestmentIncomeAmt0402
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IRS990/PYOtherRevenueAmt02517
IRS990/PYProgramServiceRevenueAmt0386864
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IRS990/ReconcilationRevenueExpnssAmt069935
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IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
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IRS990/ReportProgramRelatedInvstInd0false
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IRS990/RoyaltiesGrp/TotalAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0145707
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IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt0130133
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IRS990ScheduleD/EquipmentGrp/BookValueAmt023369
IRS990ScheduleD/EquipmentGrp/DepreciationAmt031521
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt054890
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/LandGrp/BookValueAmt0837500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0837500
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IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt07845
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal income taxes
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01550447
IRS990ScheduleE/ComplianceWithRevProc7550Ind0true
IRS990ScheduleE/DiscriminateRaceAdmissPlcyInd0false
IRS990ScheduleE/DiscriminateRaceAthltProgInd0false
IRS990ScheduleE/DiscriminateRaceEducPlcyInd0false
IRS990ScheduleE/DiscriminateRaceEmplmFcultyInd0false
IRS990ScheduleE/DiscriminateRaceOtherActyInd0false
IRS990ScheduleE/DiscriminateRaceSchsInd0false
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IRS990ScheduleE/MaintainCpyOfBrochuresEtcInd0true
IRS990ScheduleE/MaintainRacialCompRecsInd0true
IRS990ScheduleE/MaintainScholarshipsRecsInd0true
IRS990ScheduleE/NondiscriminatoryPolicyStmtInd0true
IRS990ScheduleE/PlcyPblczdViaBroadcastMediaInd0true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0OPERATING
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt051236
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0EMILY RUFF
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0FOUNDER AND EXECUTIVE DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0false
IRS990ScheduleL/TotalBalanceDueAmt051236
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MARSHA RUFF IS THE MOTHER OF EMILY RUFF
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1AN ELECTRONIC COPY OF THE 990 IS PROVIDED TO ALL BOARD MEMBERS PRIOR TO FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY IS AN AGENDA ITEM AT EACH MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt063868
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0538274
IRS990/TotalFunctionalExpensesGrp/TotalAmt0634357
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesGrp/BOYAmt01011591
IRS990/TotalLiabilitiesGrp/EOYAmt0880673
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0858772
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0912969
IRS990/TotalProgramServiceExpensesAmt0538274
IRS990/TotalProgramServiceRevenueAmt0390868
IRS990/TotalReportableCompFromOrgAmt017325
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0395705
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0704292
IRS990/TotalVolunteersCnt0270
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01870363
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01793642
IRS990/TravelGrp/ProgramServicesAmt01141
IRS990/TravelGrp/TotalAmt01141
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt0PO Box 420
IRS990/USAddress/CityNm0EAST BARRE
IRS990/USAddress/StateAbbreviationCd0VT
IRS990/USAddress/ZIPCd005649
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt03
IRS990/WebsiteAddressTxt0WWW.HOLISTICLIVINGSCHOOL.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0EMILY RUFF
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0FOUNDER AND CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04075953731

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