Liabilities / Assets
85th percentile
Higher debt load relative to assets than 85% of similar nonprofits.
Naifa - New Jersey Inc
EIN 22-1510774 • 501(c)6 • Cedar Falls, IA
Profile
To promote the adoption and application of higher standards of ethical conduct in the profession of life insurance underwriters and financial advisors
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.28x
Liabilities / Revenue
93rd percentile
Higher debt load relative to revenue than 93% of similar nonprofits.
Net Margin
79th percentile
Higher net margin than 79% of similar nonprofits.
Top Officer Pay
80th percentile
Higher top officer pay than 80% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
80th percentile
Faster asset growth than 80% of similar nonprofits.
Revenue Growth
71st percentile
Faster revenue growth than 71% of similar nonprofits.
Balance Sheet
Assets
Up$230,367
Up $36,937 (+19%) from 2023
Liabilities
Up$64,724
Up $14,724 (+29%) from 2023
Net Assets
Up$165,643
Up $22,213 (+15%) from 2023
Revenue
Up$122,778
Up $15,875 (+15%) from 2023
Expenses
Up$100,565
Up $17,676 (+21%) from 2023
Net Income
Down$22,213
Down $1,801 (-7.5%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $230,367
- Liabilities
- $64,724
- Net assets
- $165,643
- Revenue
- $122,778
- Expenses
- $100,565
- Net income
- $22,213
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to Dec 31, 2024
- Signed
- Jun 2, 2025
- Return Version
- 2024v5.1
- Gross Receipts
- $122,778
Mission and Program Overview
Mission
To promote the adoption and application of higher standards of ethical conduct in the profession of life insurance underwriters and financial advisors.
To promote the adoption and application of higher standards of ethical conduct in the profession of life insurance underwriters and financial advisors
Program Services
| Description | Grants | Expenses |
|---|---|---|
| TO PROMOTE THE ADOPTION AND APPLICATION OF HIGHER STANDARDS OF ETHICAL CONDUCT IN THE PROFESSION OF LIFE INSURANCE UNDERWRITERS AND FINANCIAL ADVISORS | $0 | $0 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| IRENE STOLTE | Director | - | $0 | - | - |
| DANIEL KAPLAN | Director | - | $0 | - | - |
| JILL VAN NOSTRAND | Director | - | $0 | - | - |
| MICHAEL GOLDBERG | Director | - | $0 | - | - |
| MICHAEL MANGINELLI | President | - | $0 | - | - |
| DANIEL IRIZARRY | Past President | - | $0 | - | - |
| STEPHEN HAWTHORNE | Secretary/Treasurer | - | $0 | - | - |
Political and Lobbying Activity
- In-house lobbying only
- No
Reported Spending and Taxes
| Line Item | Amount |
|---|---|
| Total Nondeductible Lobbying and Political Cost | $10,984 |
| Current Year Nondeductible Lobbying and Political Cost | $10,200 |
Filing and Contact Details
Filer
- Filer Name
- Naifa - New Jersey Inc
- EIN
- 22-1510774
- Phone
- 7033491813
- Address
- 600 STATE STREET STE A, CEDAR FALLS, IA 50613
Signing Officer
- Name
- Kristine Dickson
- Title
- Executive Director
- Phone
- 7033491813
- Signed
- 2025-06-02
- Discuss with paid preparer
- Yes
Preparer
- Firm
- Welgaard Cpas & Advisors
- Address
- 10550 NEW YORK AVE SUITE 100, URBANDALE, IA 50322
- Preparer
- Darlene M Danielson
- Phone
- 5152530099
Supplemental Narrative
Additional Explanations
Form 990-ez, Part I, Line 4 - Other Investment Income
“Description: interest. Amount: 1,789.”
Form 990-ez, Part I, Line 16 - Other Expenses
“Description: meeting expense. Amount: 14,662. Description: advertising. Amount: 1,610. Description: travel. Amount: 6,805. Description: dues & subscriptions. Amount: 1,031. Description: contributions. Amount: 5,615. Description: tech fees. Amount: 10. Description: cc fees. Amount: 200. Description: insurance. Amount: 3,044. Description: office expense. Amount: 399. Total to form 990-ez, line 16: 33,376.”
Form 990-ez, Part II, Line 24 - Other Assets
“Description: accrued revenue. Beg. Of year amount: 17,760. End of year amount: 14,699. Description: prepaid expenses. Beg. Of year amount: 4,280. End of year amount: 1,731.”
Form 990-ez, Part II, Line 26 - Other Liabilities
“Description: accounts payable. Beg. Of year amount: 1,455. End of year amount: 5,441. Description: accrued liabilities. Beg. Of year amount: 1,363. End of year amount: 1,115. Description: deferred revenue. Beg. Of year amount: 21,596. End of year amount: 24,651. Description: due to affiliates. Beg. Of year amount: 25,301. End of year amount: 33,517. Description: intercompany payable. Beg. Of year amount: 285. End of year amount: 0.”
Raw XML Appendix146 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.
| Path | # | Value |
|---|---|---|
| IRS990EZ/ActivitiesNotPreviouslyRptInd | 0 | 0 |
| IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | NAIFA MIDWEST OFFICE |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 7033491813 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 600 STATE STSTE A |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | CEDAR FALLS |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | IA |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 50613 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 171390 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 213937 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | 0 |
| IRS990EZ/DirectIndirectPltclExpendAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | 0 |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 22213 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 66739 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | 0 |
| IRS990EZ/ForeignOfficeInd | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 193430 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 230367 |
| IRS990EZ/GrossReceiptsAmt | 0 | 122778 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartVInd | 0 | X |
| IRS990EZ/InvestmentIncomeAmt | 0 | 1789 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | 0 |
| IRS990EZ/MembershipDuesAmt | 0 | 106529 |
| IRS990EZ/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 143430 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 165643 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 143430 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 165643 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 6 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | IRENE STOLTE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | DANIEL KAPLAN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | JILL VAN NOSTRAND |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | MICHAEL GOLDBERG |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | MICHAEL MANGINELLI |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | DANIEL IRIZARRY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | STEPHEN HAWTHORNE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | PAST PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | SECRETARY/TREASURER |
| IRS990EZ/OperateHospitalInd | 0 | 0 |
| IRS990EZ/Organization501cInd | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | 0 |
| IRS990EZ/OrganizationHadUBIInd | 0 | 0 |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 22040 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 16430 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 33376 |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | TO PROMOTE THE ADOPTION AND APPLICATION OF HIGHER STANDARDS OF ETHICAL CONDUCT IN THE PROFESSION OF LIFE INSURANCE UNDERWRITERS AND FINANCIAL ADVISORS |
| IRS990EZ/PrintingPublicationsPostageAmt | 0 | 450 |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 14460 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | TO PROMOTE THE ADOPTION AND APPLICATION OF HIGHER STANDARDS OF ETHICAL CONDUCT IN THE PROFESSION OF LIFE INSURANCE UNDERWRITERS AND FINANCIAL ADVISORS |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 0 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SubjectToProxyTaxInd | 0 | 1 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 50000 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 64724 |
| IRS990EZ/TanningServicesProvidedInd | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 100565 |
| IRS990EZ/TotalRevenueAmt | 0 | 122778 |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | NJ.NAIFA.ORG |
| IRS990ScheduleC/AggregateReportedDuesNtcAmt | 0 | 10800 |
| IRS990ScheduleC/AgreeCarryoverPriorYearInd | 0 | 0 |
| IRS990ScheduleC/CarriedOverAmt | 0 | 184 |
| IRS990ScheduleC/DuesAssessmentsAmt | 0 | 106529 |
| IRS990ScheduleC/NonDedLbbyngPltclCyovAmt | 0 | 784 |
| IRS990ScheduleC/NonDeductibleLbbyngPltclCYAmt | 0 | 10200 |
| IRS990ScheduleC/NonDeductibleLbbyngPltclTotAmt | 0 | 10984 |
| IRS990ScheduleC/OnlyInHouseLobbyingInd | 0 | 0 |
| IRS990ScheduleC/SubstantiallyAllDuesNondedInd | 0 | 0 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DESCRIPTION: INTEREST. AMOUNT: 1,789. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | DESCRIPTION: MEETING EXPENSE. AMOUNT: 14,662. DESCRIPTION: ADVERTISING. AMOUNT: 1,610. DESCRIPTION: TRAVEL. AMOUNT: 6,805. DESCRIPTION: DUES & SUBSCRIPTIONS. AMOUNT: 1,031. DESCRIPTION: CONTRIBUTIONS. AMOUNT: 5,615. DESCRIPTION: TECH FEES. AMOUNT: 10. DESCRIPTION: CC FEES. AMOUNT: 200. DESCRIPTION: INSURANCE. AMOUNT: 3,044. DESCRIPTION: OFFICE EXPENSE. AMOUNT: 399. TOTAL TO FORM 990-EZ, LINE 16: 33,376. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | DESCRIPTION: ACCRUED REVENUE. BEG. OF YEAR AMOUNT: 17,760. END OF YEAR AMOUNT: 14,699. DESCRIPTION: PREPAID EXPENSES. BEG. OF YEAR AMOUNT: 4,280. END OF YEAR AMOUNT: 1,731. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | DESCRIPTION: ACCOUNTS PAYABLE. BEG. OF YEAR AMOUNT: 1,455. END OF YEAR AMOUNT: 5,441. DESCRIPTION: ACCRUED LIABILITIES. BEG. OF YEAR AMOUNT: 1,363. END OF YEAR AMOUNT: 1,115. DESCRIPTION: DEFERRED REVENUE. BEG. OF YEAR AMOUNT: 21,596. END OF YEAR AMOUNT: 24,651. DESCRIPTION: DUE TO AFFILIATES. BEG. OF YEAR AMOUNT: 25,301. END OF YEAR AMOUNT: 33,517. DESCRIPTION: INTERCOMPANY PAYABLE. BEG. OF YEAR AMOUNT: 285. END OF YEAR AMOUNT: 0. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES |
| TransferPrsnlBnftContractsDecl/DeclarationDesc | 0 | THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | KRISTINE DICKSON |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | EXECUTIVE DIRECTOR |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 7033491813 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-06-02 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | NAIFA - NEW JERSEY INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | NAIF |
| ReturnHeader/Filer/EIN | 0 | 221510774 |
| ReturnHeader/Filer/PhoneNum | 0 | 7033491813 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 600 STATE STREET STE A |
| ReturnHeader/Filer/USAddress/CityNm | 0 | CEDAR FALLS |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | IA |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 50613 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | 0 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 421130301 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | WELGAARD CPAS & ADVISORS |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 10550 NEW YORK AVE SUITE 100 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | URBANDALE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | IA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 50322 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 5152530099 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-06-02 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | DARLENE M DANIELSON |
| ReturnHeader/ReturnTs | 0 | 2025-06-02T13:12:31-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
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