Civic Intelligence

Consumer Credit Counseling Service Of

EIN 23-1671903 • 501(c)3 • Philadelphia, PA

View Organization Page

Profile

We create hope by helping people identify and secure the most important assets in their lives. Our envisioned future is one where everyone will have affordable access to the intellectual and technological resources required to comprehend and master the financial aspects of their lives.

1635 Market St 5th FLPhiladelphia, PA 19103

www.clarifi.org

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.37x

Higher debt load relative to assets than 73% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

77th percentile

0.57x

Higher debt load relative to revenue than 77% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Net Margin

50th percentile

4.3%

Higher net margin than 50% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

85th percentile

$276,898

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 4.5% of source-year revenue.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Asset Growth

58th percentile

6.6%

Faster asset growth than 58% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

33rd percentile

-1.3%

Faster revenue growth than 33% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$9,399,327

Up $578,267 (+6.6%) from 2023

Liabilities

Up

$3,486,161

Up $107,970 (+3.2%) from 2023

Net Assets

Up

$5,913,166

Up $470,297 (+8.6%) from 2023

Operations
Liabilities / Revenue77th percentileNet Margin50th percentile

Revenue

Down

$6,107,706

Down $83,279 (-1.3%) from 2023

Expenses

Up

$5,843,125

Up $801,545 (+16%) from 2023

Net Income

Down

$264,581

Down $884,824 (-77%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth58th percentile

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

$10M$5.0M$0Assets 2010: $3,656,471Liabilities 2010: $666,057Net Assets 2010: $2,990,4142010Assets 2011: $4,010,864Liabilities 2011: $461,874Net Assets 2011: $3,548,9902011Assets 2012: $5,163,695Liabilities 2012: $1,359,689Net Assets 2012: $3,804,0062012Assets 2013: $5,591,963Liabilities 2013: $1,639,314Net Assets 2013: $3,952,6492013Assets 2014: $5,877,268Liabilities 2014: $1,618,859Net Assets 2014: $4,258,4092014Assets 2015: $5,671,255Liabilities 2015: $1,058,408Net Assets 2015: $4,612,8472015Assets 2016: $5,183,759Liabilities 2016: $510,065Net Assets 2016: $4,673,6942016Assets 2017: $5,219,892Liabilities 2017: $402,400Net Assets 2017: $4,817,4922017Assets 2018: $5,698,415Liabilities 2018: $671,454Net Assets 2018: $5,026,9612018Assets 2019: $4,469,013Liabilities 2019: $1,300,073Net Assets 2019: $3,168,9402019Assets 2020: $4,343,274Liabilities 2020: $767,597Net Assets 2020: $3,575,6772020Assets 2021: $4,817,961Liabilities 2021: $874,226Net Assets 2021: $3,943,7352021Assets 2022: $7,145,801Liabilities 2022: $3,024,330Net Assets 2022: $4,121,4712022Assets 2023: $8,821,060Liabilities 2023: $3,378,191Net Assets 2023: $5,442,8692023Assets 2024: $9,399,327Liabilities 2024: $3,486,161Net Assets 2024: $5,913,1662024

Highlighted filing

2024

Assets$9,399,327
Liabilities$3,486,161
Net Assets$5,913,166
Open 2024 Filing

Operations Trend

Revenue Growth33rd percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $6,351,9532010Expenses 2011: $5,836,6392011Expenses 2012: $5,237,2662012Revenue 2013: $6,387,255Expenses 2013: $6,230,394Net Income 2013: $156,8612013Revenue 2014: $6,115,382Expenses 2014: $5,841,753Net Income 2014: $273,6292014Revenue 2015: $5,513,245Expenses 2015: $5,111,439Net Income 2015: $401,8062015Revenue 2016: $5,343,600Expenses 2016: $5,319,241Net Income 2016: $24,3592016Revenue 2017: $5,751,820Expenses 2017: $5,675,824Net Income 2017: $75,9962017Revenue 2018: $5,282,067Expenses 2018: $4,970,564Net Income 2018: $311,5032018Revenue 2019: $4,690,408Expenses 2019: $4,645,688Net Income 2019: $44,7202019Revenue 2020: $4,725,042Expenses 2020: $4,391,403Net Income 2020: $333,6392020Revenue 2021: $4,855,910Expenses 2021: $4,461,404Net Income 2021: $394,5062021Revenue 2022: $5,440,689Expenses 2022: $5,068,730Net Income 2022: $371,9592022Revenue 2023: $6,190,985Expenses 2023: $5,041,580Net Income 2023: $1,149,4052023Revenue 2024: $6,107,706Expenses 2024: $5,843,125Net Income 2024: $264,5812024

Highlighted filing

2024

Revenue$6,107,706
Expenses$5,843,125
Net Income$264,581
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$9,399,327
Liabilities
$3,486,161
Net assets
$5,913,166
Revenue
$6,107,706
Expenses
$5,843,125
Net income
$264,581
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.40$3.49$5.91$6.11$5.84$0.26
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.82$3.38$5.44$6.19$5.04$1.15
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.15$3.02$4.12$5.44$5.07$0.37
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.82$0.87$3.94$4.86$4.46$0.39
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.34$0.77$3.58$4.73$4.39$0.33
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.47$1.30$3.17$4.69$4.65$0.04
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.70$0.67$5.03$5.28$4.97$0.31
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.22$0.40$4.82$5.75$5.68$0.08
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.18$0.51$4.67$5.34$5.32$0.02
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.67$1.06$4.61$5.51$5.11$0.40
2014Detailed filing. Detailed filing data is available for this year.$5.88$1.62$4.26$6.12$5.84$0.27
2013Detailed filing. Detailed filing data is available for this year.$5.59$1.64$3.95$6.39$6.23$0.16
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.16$1.36$3.80$5.24
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.01$0.46$3.55$5.84
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.66$0.67$2.99$6.35
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2020 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Oct 26, 2021
Return Version
2020v4.1
Gross Receipts
$6,507,112
Mission and Program Overview

Mission

We empower individuals to achieve financial resilience and positively impact their communities. Our envisioned future is one in which pathways to financial wellness are accessible to everyone.

We create hope by helping people identify and secure the most important assets in their lives.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities-$2,049,020-
Savings and Temporary Cash Investments$1,902,430--
Cash and Non-Interest-Bearing Accounts$1,541,279$1,130,795▼ $410,484
Accounts Receivable$740,398$972,239▲ $231,841
Land, Buildings, and Equipment, Net$193,200$109,495▼ $83,705
Prepaid Expenses and Deferred Charges$45,803$35,822▼ $9,981
Total Assets$4,469,013$4,343,274▼ $125,739
Other Assets Total$45,903$45,903→ $0
Liabilities
Deferred Revenue$645,055$485,292▼ $159,763
Accounts Payable and Accrued Expenses$527,378$282,305▼ $245,073
Other Liabilities$126,485$0▼ $126,485
Escrow Account Liability$1,155$0▼ $1,155
Total Liabilities$1,300,073$767,597▼ $532,476
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$3,168,940$3,311,077▲ $142,137
Net Assets With Donor Restrictions-$264,600-
Total Net Assets Fund Balance$3,168,940$3,575,677▲ $406,737
Total Liabilities and Net Assets / Fund Balance$4,469,013$4,343,274▼ $125,739

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$80,124$95,801$175,925
Other Land Buildings$29,371$74,083$103,454
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Steve GardnerExecutive DirectorFT$166,154$9,900$176,054
Scott KarolDeputy DirectorFT$140,224$6,994$147,218
Patricia Hasson Retired 122019Former President-$8,142$107,842$115,984

Board Members and Trustees

NameTitle
Nancy RosenauChair
Wayne AnglaceVice Chair, Interim Treasurer
Andrew SovenDirector
Angela WilseyDirector
Anthony ShoreDirector
Catherine UlozasDirector
Dana YamateDirector
Emilia BerryDirector
George BenhamDirector
Jarryd AndersonDirector
Jeff HennesyDirector
Jill HerriottDirector
Jim HarringtonDirector
Kathleen LeonikDirector
Kathleen WilliamsonDirector
Laura StansburyDirector
Richard T HollisChief Financial Officer
Peter BilinskySecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$4,645,978
Program Service Revenue
$0
Investment Income
$78,402
Other Revenue
$662
All Other Contributions
$2,825,920
Change in Net Assets
$333,639
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$3,329,660
Other Expenses$1,061,743
Total Fundraising Expense$296,280
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$2,330,136$209,076$80,179$2,619,391
Advertising$73,226$35,107$173,083$281,416
Occupancy$244,523--$244,523
Payroll Taxes$198,630$15,326$6,289$220,245
Other Employee Benefits$206,505$1,434$9,436$217,375
Current Officers, Directors, Trustees, and Key Employees-$176,053-$176,053
Office Expenses$149,599$446$9,040$159,085
Pension Plan Contributions$89,324$2,781$4,491$96,596
Information Technology$83,462-$1,638$85,100
Depreciation Depletion$54,646--$54,646
Fees for Services Management$41,236--$41,236
Fees for Services Accounting-$29,541-$29,541
Insurance$16,381--$16,381
Conferences and Meetings$12,221$498$133$12,852
Travel$6,755$561$500$7,816
Fees for Service Investment Mgmnt Fees-$4,583-$4,583
Other Expenses$760$2,300$359$1,119
Fees for Services Other$628--$628
Fees for Services Legal$583--$583
Total Functional Expenses$3,616,062$479,061$296,280$4,391,403
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“The form 990 is prepared with the assistance of an independent accounting firm. Prior to its filing, the finance and audit committee reviews the document in its entirety in conjunction with organization management. Prior to filing the form 990 the finance committee advises the board of its approval, distributes the form 990 to all board members and solicits comments or requests for additional information.”

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

“Employees and board members are subject to a conflict of interest policy. A board member who, individually or as part of a business or professional firm, is involved in any business transactions or similar relationships with the agency shall disclose this relationship to the board and shall not participate in any vote taken in respect to such transactions or services. The board of directors will make the determination as to whether a potential conflict is an actual conflict on interest.”

Form 990, Part VI, Section B, Line 15

“The board relies on an independent, third party compensation consultant to collect comparability data, assess market trends and make recommendations on the ceo's compensation package. The sample of comparable organizations is composed of organizations from which clarifi might recruit a future ceo or which might have an interest in trying to recruit clarifi's ceo and which additionally are located in labor markets where clarifi has a significant presence. Specific degree of comparability is based on a) gross receipts and b) total assets. The deliberation and final decision are timely documented in the meeting minutes. Form 990, part vi, section b, line 15b: compensation for the coo and sr vp of community affairs is set by the human resources committee and reviewed by the board of directors. When considering compensation, the following tools are used: committee input, independent compensation consultant, review of form 990 of other comparable non-profit organizations and compensation surveys. The deliberation and final decision are timely documented in the meeting minutes.”

Form 990, Part VI, Section C, Line 19

“The organization does not make its governing documents or conflict of interest policy available to the public. The organization does make its financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Consumer Credit Counseling Service of
EIN
23-1671903
Phone
2155635665
Address
1635 MARKET ST 5TH FL, PHILADELPHIA, PA 19103
Doing Business As
Clarifi

Signing Officer

Name
Steve Gardner
Title
Executive Director
Phone
2155635665
Signed
2021-10-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steve Gardner
Formed
1966
Legal Domicile
Pa
Voting Board Members
17
Independent Board Members
17
Employees
61
Volunteers
133

Preparer

Firm
Cliftonlarsonallen Llp
Address
ONE SEAGATE SUITE 2650, TOLEDO, OH 43604
Preparer
Douglas S Sosko
Phone
4192443711
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“The organization is exempt from federal income taxes under section 501(c)(3) of the irc. The organization determined it was not required to record a liability related to uncertain tax positions.”

Raw XML AppendixShowing 400 of 688 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
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IRS990/AccountsReceivableGrp/EOYAmt0972239
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0WE CREATE HOPE BY HELPING PEOPLE IDENTIFY AND SECURE THE MOST IMPORTANT ASSETS IN THEIR LIVES.
IRS990/AdvertisingGrp/FundraisingAmt0173083
IRS990/AdvertisingGrp/ManagementAndGeneralAmt035107
IRS990/AdvertisingGrp/ProgramServicesAmt073226
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IRS990/AllOtherContributionsAmt02825920
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IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0RICHARD HOLLIS CFO
IRS990/BooksInCareOfDetail/PhoneNum02485535400
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt036500 CORPORATE DRIVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0FARMINGTON HILLS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048331
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IRS990/CompensationProcessOtherInd00
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IRS990/CYOtherExpensesAmt01061743
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IRS990/DepreciationDepletionGrp/ProgramServicesAmt054646
IRS990/DepreciationDepletionGrp/TotalAmt054646
IRS990/Desc0MORTGAGE DEFAULT PREVENTION AND LOSS MITIGATION COUNSELING: CLARIFI WORKS WITH STRUGGLING HOMEOWNERS IN ALL STAGES, FROM THOSE WHO ARE CURRENT BUT FACING POTENTIAL FUTURE DELINQUENCY TO THOSE WHOSE HOMES ARE SCHEDULED FOR SHERIFF'S SALE. OUR COUNSELORS WORK WITH CLIENTS TO FIRST DETERMINE THE REASON(S) THAT THE CLIENT IS DELINQUENT AND DISCUSS OPTIONS TO BRING THE MORTGAGE CURRENT. THEY THEN COMPLETE A CURRENT BUDGET ANALYSIS AND WORK TO ESTABLISH A REALISTIC BUDGET. COUNSELORS ASSIST WITH INTERVENTIONS INCLUDING HARDSHIP LETTERS, APPLICATIONS FOR MODIFICATION AND FORBEARANCE. IF APPROPRIATE, THE COUNSELOR MAY REFER CLIENTS TO OTHER SERVICES TO HELP WITH OTHER AREAS SUCH AS UTILITIES, FOOD AND CLOTHING, IN ORDER TO FREE UP ADDITIONAL FUNDS TO PAY THE MORTGAGE, AND/OR REFER THEM TO SOCIAL AGENCIES THAT MAY HAVE GRANTS FOR HOMEOWNERS IN DEFAULT. CLARIFI ALSO COLLABORATES WITH GOVERNMENT AGENCIES AND COURT SYSTEMS IN PHILADELPHIA, PA, NEW JERSEY, NEW CASTLE COUNTY, DE, MONTGOMERY COUNTY, PA, AND DELAWARE COUNTY, PA TO ASSIST HOMEOWNERS WHOSE PROPERTIES ARE SCHEDULED FOR SHERIFF'S SALE. CLARIFI HAS COUNSELORS IN COURT WORKING WITH HOMEOWNERS AND COUNSEL TO EXPLORE ALL OPTIONS INCLUDING LOAN MODIFICATION, SHORT SALE, REFINANCING AND APPLICATION FOR A HOMEOWNERSHIP PRESERVATION LOAN IF APPLICABLE. TOGETHER WITH LOCAL PRO BONO ATTORNEYS, CLARIFI WORKS TO CONTINUE THE NEGOTIATIONS WITH THE MORTGAGE COMPANY, AND SUBMITS CONCILIATION PROPOSALS IN COURT, WHICH OUTLINE THE CLIENT'S BUDGET AND EFFORTS TO MAKE PAYMENT ARRANGEMENTS WITH THE END GOAL OF AVOIDING FORECLOSURE. CLARIFI HAS ALSO ESTABLISHED RELATIONSHIPS, DIRECT LINES OF COMMUNICATION, AND ONGOING BORROWER OUTREACH CAMPAIGNS WITH MULTIPLE MORTGAGE SERVICERS AND INVESTORS TO IMPROVE THE LINE OF COMMUNICATION WITH MORTGAGE BORROWERS IN DISTRESS. IN 2020, CLARIFI PROVIDED 693 COUNSELING SESSIONS TO 558 HOMEOWNERS IN VARIOUS STAGES OF MORTGAGE DEFAULT, WITH 237 REPORTING THAT THEY AVOIDED FORECLOSURE OR WERE IN THEIR HOMES WORKING TOWARD SOLUTION AS OF 12/31/20.
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
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IRS990/Form990PartVIISectionAGrp/PersonNm1WAYNE ANGLACE
IRS990/Form990PartVIISectionAGrp/PersonNm2PETER BILINSKY
IRS990/Form990PartVIISectionAGrp/PersonNm3JARRYD ANDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm4GEORGE BENHAM
IRS990/Form990PartVIISectionAGrp/PersonNm5EMILIA BERRY
IRS990/Form990PartVIISectionAGrp/PersonNm6JIM HARRINGTON
IRS990/Form990PartVIISectionAGrp/PersonNm7JEFF HENNESY
IRS990/Form990PartVIISectionAGrp/PersonNm8JILL HERRIOTT
IRS990/Form990PartVIISectionAGrp/PersonNm9KATHLEEN LEONIK
IRS990/Form990PartVIISectionAGrp/PersonNm10ANTHONY SHORE
IRS990/Form990PartVIISectionAGrp/PersonNm11ANDREW SOVEN
IRS990/Form990PartVIISectionAGrp/PersonNm12LAURA STANSBURY
IRS990/Form990PartVIISectionAGrp/PersonNm13CATHERINE ULOZAS
IRS990/Form990PartVIISectionAGrp/PersonNm14KATHLEEN WILLIAMSON
IRS990/Form990PartVIISectionAGrp/PersonNm15ANGELA WILSEY
IRS990/Form990PartVIISectionAGrp/PersonNm16DANA YAMATE
IRS990/Form990PartVIISectionAGrp/PersonNm17STEVE GARDNER
IRS990/Form990PartVIISectionAGrp/PersonNm18RICHARD T HOLLIS
IRS990/Form990PartVIISectionAGrp/PersonNm19SCOTT KAROL
IRS990/Form990PartVIISectionAGrp/PersonNm20PATRICIA HASSON RETIRED 122019
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR, INTERIM TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17EXECUTIVE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt19DEPUTY DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20FORMER PRESIDENT
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IRS990/GovernmentGrantsAmt01550688
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/InformationTechnologyGrp/TotalAmt085100
IRS990/InsuranceGrp/ProgramServicesAmt016381
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IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
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IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0WE EMPOWER INDIVIDUALS TO ACHIEVE FINANCIAL RESILIENCE AND POSITIVELY IMPACT THEIR COMMUNITIES. OUR ENVISIONED FUTURE IS ONE IN WHICH PATHWAYS TO FINANCIAL WELLNESS ARE ACCESSIBLE TO EVERYONE.
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IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt03575677
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0558
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0558
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt073098
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt03168940
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt03311077
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt0244523
IRS990/OccupancyGrp/TotalAmt0244523
IRS990/OfficeExpensesGrp/FundraisingAmt09040
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0446
IRS990/OfficeExpensesGrp/ProgramServicesAmt0149599
IRS990/OfficeExpensesGrp/TotalAmt0159085
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt045903
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IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt09436
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt01434
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0206505
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0217375
IRS990/OtherExpensesGrp/Desc0TELEPHONE
IRS990/OtherExpensesGrp/Desc1DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc2MAINTENANCE AND REPAIR
IRS990/OtherExpensesGrp/Desc3PGM ACTIVITIES AND EVEN
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IRS990/OtherExpensesGrp/FundraisingAmt1359
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt01355
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt12300
IRS990/OtherExpensesGrp/ProgramServicesAmt064454
IRS990/OtherExpensesGrp/ProgramServicesAmt140138
IRS990/OtherExpensesGrp/ProgramServicesAmt22855
IRS990/OtherExpensesGrp/ProgramServicesAmt3760
IRS990/OtherExpensesGrp/TotalAmt065809
IRS990/OtherExpensesGrp/TotalAmt140138
IRS990/OtherExpensesGrp/TotalAmt216287
IRS990/OtherExpensesGrp/TotalAmt31119
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IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS INCOME
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IRS990/OtherSalariesAndWagesGrp/FundraisingAmt080179
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0209076
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IRS990/OtherSalariesAndWagesGrp/TotalAmt02619391
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IRS990/PartialLiquidationInd00
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IRS990/PayrollTaxesGrp/FundraisingAmt06289
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt015326
IRS990/PayrollTaxesGrp/ProgramServicesAmt0198630
IRS990/PayrollTaxesGrp/TotalAmt0220245
IRS990/PensionPlanContributionsGrp/FundraisingAmt04491
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt02781
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt089324
IRS990/PensionPlanContributionsGrp/TotalAmt096596
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IRS990/PrincipalOfficerNm0STEVE GARDNER
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IRS990/ProgSrvcAccomActy2Grp/Desc0FINANCIAL HEALTH COUNSELING AND EDUCATION: OUR COUNSELORS WORK WITH INDIVIDUALS AND FAMILIES TO CREATE A REALISTIC BUDGET, UNDERSTAND THE IMPORTANCE OF SAVINGS INCLUDING PREPARING FOR RETIREMENT, ASSIST WITH DEBT REDUCTION INCLUDING STUDENT LOAN DEBT, ESTABLISH SAFE AND AFFORDABLE BANK ACCOUNTS, AND ESTABLISH AND MAINTAIN AFFORDABLE HEALTHCARE COVERAGE. THE FINANCIAL EMPOWERMENT CENTERS ARE LOCATED IN COMMUNITY HUBS WHERE OTHER PUBLIC SERVICES ARE OFFERED. AT THE FEC, LOW-TO-MODERATE INCOME PEOPLE AND FAMILIES RECEIVE ONGOING COUNSELING AND ASSISTANCE IN REACHING PERSONAL FINANCIAL GOALS RELATED TO BUDGETING, SAVING, CREDIT, DEBT AND BANKING. IN 2013 CLARIFI STARTED A COLLABORATIVE PARTNERSHIP WITH THE CITY OF PHILADELPHIA TO LAUNCH AND OPERATE THE FINANCIAL EMPOWERMENT CENTERS (FECS). THE FECS BEGAN IN NEW YORK CITY TO SERVE VERY LOW-INCOME CLIENTS BY EMPLOYING A CASE MANAGEMENT MODEL THAT PROMOTES INTENSIVE FOLLOW-UP OF CLIENT ACTIVITIES AND DOCUMENTATION OF A SET OF WELL-DEFINED OUTCOMES. THERE ARE NO ELIGIBILITY REQUIREMENTS AND NO LIMITATIONS ON THE VOLUME OF SERVICE PER CLIENT. CLIENTS OFTEN RETURN FOR MULTIPLE FOLLOW-UP APPOINTMENTS. THIS METHODOLOGY INCREASES THE CHANCE THAT EACH CLIENT MAKES POSITIVE BEHAVORIAL CHANGES AND MAINTAINS FINANCIALLY HEALTHY BEHAVIORS OVER TIME, BOTH OF WHICH YIELD STRONG, MEASURABLE LONG-TERM OUTCOMES. IN 2020, THE FECS PROVIDED 5,292 COUNSELING SESSIONS AND 291 WORKSHOPS TO 3,237 CLIENTS. OF THOSE CLIENTS, 756 REDUCED THEIR UNSECURED DEBTS BY 10% OR MORE, 2,132 ESTABILISHED EMERGENCY SAVINGS, 921 IMPROVED THEIR CREDIT SCORE BY AT LEAST 35 POINTS, 74 ESTABLISHED A CREDIT SCORE, AND 1,383 ACHIEVED AND MAINTAINED CAPACITY TO MEET BASIC NEEDS FOR 90 DAYS
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0979237
IRS990/ProgSrvcAccomActy3Grp/Desc0HOMEOWNERSHIP COUNSELING: CLARIFI WORKS WITH POTENTIAL HOMEOWNERS IN ALL STAGES, FROM THOSE WHO WISH TO LEARN ABOUT THE VARIOUS ASPECTS OF BUYING AND MAINTAINING A HOME TO THOSE IN THE PRE-CLOSING STAGE. WE PROVIDE COUNSELING TO CURRENT HOMEOWNERS, AFTER CLOSING, AND TO LONG TIME HOMEOWNERS REGARDING THE RISKS AND REWARDS OF USING THEIR EXISTING HOME EQUITY TO MEET OTHER FINANCIAL GOALS OR NEEDS. OUR COUNSELORS HELP CLIENTS ESTABLISH THEIR GOALS, WORK WITH THEM TO DEVELOP A BUDGET AND COMPLETE AN ANALYSIS, AND CREATE A MUTUALLY AGREED UPON ACTION PLAN. IN 2020, CLARIFI PROVIDED PRE-HOME PURCHASE COUNSELING TO 1,080 CLIENTS OVER 1,127 SESSIONS. OF THOSE, 114 PURCHASED A HOME AND AN ADDITIONAL 34 BECAME MORTGAGE READY. CLARIFI OFFERS A COMPREHENSIVE ARRAY OF EDUCATION OPPORTUNITIES TO ADDRESS THE EVOLVING NEEDS OF OUR CLIENTS AND COMMUNITY. OUR FINANCIAL SMARTS PROGRAM COVERS TOPICS INCLUDING: SHOW ME MY MONEY (MONEY MANAGEMENT), GOOD CREDIT FOR LIFE (BASICS OF CREDIT), UNDERSTANDING YOUR CREDIT REPORT (OBTAINING OR MAINTAINING A GOOD CREDIT SCORE), SAVING & INVESTING 101 (ASSET BUILDING AT ALL INCOME LEVELS), KEYS TO HOMEOWNERSHIP (FINANCIAL PREPARATION FOR FIRST-TIME HOMEBUYERS), GUARD AGAINST ID THEFT AND ANTI-PREDATORY LENDING (PROTECTING YOURSELF FROM SCAMS). CLARIFI ALSO OFFERS PROGRAMMING FOCUSED ON FEMALE FINANCIAL EMPOWERMENT. THESE WORKSHOPS INCLUDE UNLOCKING THE MYSTERY - THE WHY BEHIND THE BUY (FINANCIAL MOTIVATIONS AND DECISION-MAKING), HOW TO RUN YOUR HOUSEHOLD LIKE A BUSINESS (MONEY MANAGEMENT), GIVE YOURSELF GOOD CREDIT (HOW TO BUILD STRONG CREDIT), YOU CAN SAVE (ASSET-BUILDING FOR EVERYONE) AND RAISING MONEY-SAVVY KIDS (HEALTHY FINANCIAL HABITS). WE ALSO FEATURE EDUCATIONAL EVENTS ON VARIOUS TOPICS THROUGHOUT THE YEAR, INCLUDING PAYING FOR COLLEGE AND WOMEN AND BUSINESS. OUR SENIOR-FOCUSED PROGRAMS HELP ADULTS AGE 62+ UNDERSTAND THE FINANCIAL REALITIES OF AGING AND TAKE STEPS TO AGE IN PLACE AT HOME. WORKSHOPS INCLUDE: MONEY MANAGEMENT (BUDGETING IN RETIREMENT), CREDIT BASICS (IMPORTANCE OF MAINTAINING GOOD CREDIT THROUGHOUT RETIREMENT AND AGING), UNDERSTAND YOUR CREDIT REPORT (HOW SCORES CAN BE USED FOR OLDER CLIENTS), ID THEFT, SCAMS & FINANCIAL PREDATORS (BASICS OF SELF-PROTECTION FOR OLDER CLIENTS, REVERSE MORTGAGE (PROS AND CONS OF SPECIALIZED HOME LOAN FOR SENIORS) AND LOAN SMARTS (SMART BORROWING FOR OLDER ADULTS).
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0253876
IRS990/ProgSrvcAccomActyOtherGrp/Desc0OTHER PROGRAMS INCLUDING, BUT NOT LIMITED TO, COMPREHENSIVE CONSUMER CREDIT EDUCATION, CONFIDENTIAL COUNSELING, ASSET BUILDING AND DEBT REDUCTION PROGRAMS.
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IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt00
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IRS990/PYInvestmentIncomeAmt052588
IRS990/PYOtherExpensesAmt01258018
IRS990/PYOtherRevenueAmt013501
IRS990/PYProgramServiceRevenueAmt088486
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IRS990/PYSalariesCompEmpBnftPaidAmt03387670
IRS990/PYTotalExpensesAmt04645688
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04690408
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0333639
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IRS990/RelatedEntityInd01
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IRS990/ReportProgramRelatedInvstInd00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01902430
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0MISCELLANEOUS INCOME - 2019 AMOUNT: $ 14,033. 2020 AMOUNT: $ 662.

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