Civic Intelligence

Prepare and Prosper

990 • Fiscal year 2025 • EIN 23-7131829

Jul 01, 2024 to Jun 30, 2025 • Filed on Nov 17, 2025

Organization Profilewww.prepareandprosper.org
2610 University Ave W 450St Paul, MN 55114

(651) 262-2155

Siviq Scores

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

Liabilities / Assets

80th percentile

0.38x

Higher debt load relative to assets than 80% of similar nonprofits.

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

Liabilities / Revenue

67th percentile

0.20x

Higher debt load relative to revenue than 67% of similar nonprofits.

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

Net Margin

11th percentile

-23%

Higher net margin than 11% of similar nonprofits.

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

Top Officer Pay

84th percentile

$148,955

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 5.4% of source-year revenue.

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

Asset Growth

4th percentile

-26%

Faster asset growth than 4% of similar nonprofits.

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

Revenue Growth

83rd percentile

38%

Faster revenue growth than 83% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets80th percentile

Assets

Down

$1,478,737

Down $517,371 (-26%) from 2024

Net Assets

Down

$913,940

Down $634,763 (-41%) from 2024

Liabilities

Up

$564,797

Up $117,392 (+26%) from 2024

Revenue And Expenses
Liabilities / Revenue67th percentileNet Margin11th percentile

Revenue

Up

$2,777,225

Up $770,275 (+38%) from 2024

Expenses

Up

$3,407,399

Up $424,102 (+14%) from 2024

Net Income

Up

-$630,174

Up $346,173 (+35%) from 2024

Historical Trend

Balance Sheet Trend

Asset Growth4th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $619,237Liabilities 2011: $69,725Net Assets 2011: $549,5122011Assets 2012: $552,513Liabilities 2012: $93,619Net Assets 2012: $458,8942012Assets 2013: $671,057Liabilities 2013: $91,912Net Assets 2013: $579,1452013Assets 2015: $930,570Liabilities 2015: $115,392Net Assets 2015: $815,1782015Assets 2016: $1,584,452Liabilities 2016: $154,269Net Assets 2016: $1,430,1832016Assets 2017: $1,524,222Liabilities 2017: $104,331Net Assets 2017: $1,419,8912017Assets 2018: $1,710,439Liabilities 2018: $67,373Net Assets 2018: $1,643,0662018Assets 2019: $1,703,249Liabilities 2019: $72,648Net Assets 2019: $1,630,6012019Assets 2020: $2,435,005Liabilities 2020: $271,475Net Assets 2020: $2,163,5302020Assets 2021: $2,795,257Liabilities 2021: $324,201Net Assets 2021: $2,471,0562021Assets 2022: $2,509,288Liabilities 2022: $108,091Net Assets 2022: $2,401,1972022Assets 2023: $3,147,378Liabilities 2023: $632,342Net Assets 2023: $2,515,0362023Assets 2024: $1,996,108Liabilities 2024: $447,405Net Assets 2024: $1,548,7032024Assets 2025: $1,478,737Liabilities 2025: $564,797Net Assets 2025: $913,9402025

Highlighted filing

2025

Assets$1,478,737
Liabilities$564,797
Net Assets$913,940
Open 2025 Filing

Operations Trend

Revenue Growth83rd percentile

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

$4.0M$2.0M$0-$2.0MExpenses 2011: $1,032,1162011Expenses 2012: $1,082,4192012Expenses 2013: $1,290,9002013Revenue 2015: $1,748,412Expenses 2015: $1,494,107Net Income 2015: $254,3052015Revenue 2016: $2,342,332Expenses 2016: $1,713,959Net Income 2016: $628,3732016Revenue 2017: $1,877,255Expenses 2017: $1,898,719Net Income 2017: -$21,4642017Revenue 2018: $2,190,112Expenses 2018: $1,971,242Net Income 2018: $218,8702018Revenue 2019: $2,086,114Expenses 2019: $2,095,497Net Income 2019: -$9,3832019Revenue 2020: $2,338,121Expenses 2020: $1,798,363Net Income 2020: $539,7582020Revenue 2021: $2,505,131Expenses 2021: $2,242,173Net Income 2021: $262,9582021Revenue 2022: $2,156,071Expenses 2022: $2,195,120Net Income 2022: -$39,0492022Revenue 2023: $2,572,017Expenses 2023: $2,472,462Net Income 2023: $99,5552023Revenue 2024: $2,006,950Expenses 2024: $2,983,297Net Income 2024: -$976,3472024Revenue 2025: $2,777,225Expenses 2025: $3,407,399Net Income 2025: -$630,1742025

Highlighted filing

2025

Revenue$2,777,225
Expenses$3,407,399
Net Income-$630,174
Open 2025 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$2,779,072
Mission and Program Overview

Mission

Prepare and prosper is dedicated to providing high quality tax preparation and related financial services to individuals and families of limited means by leveraging volunteer resources and advising and assisting others to provide similar services in their communities.

P+P does free taxes, free financial coaching, and helps people obtain banking access.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$332,693$493,519▲ $160,826
Investments in Publicly Traded Securities$256,973$278,021▲ $21,048
Pledges and Grants Receivable$977,789$251,676▼ $726,113
Cash and Non-Interest-Bearing Accounts$90,698$130,286▲ $39,588
Land, Buildings, and Equipment, Net$28,144$38,053▲ $9,909
Prepaid Expenses and Deferred Charges$26,953$2,667▼ $24,286
Total Assets$1,996,108$1,478,737▼ $517,371
Other Assets Total$282,858$284,515▲ $1,657
Liabilities
Other Liabilities$278,916$283,047▲ $4,131
Accounts Payable and Accrued Expenses$168,489$281,750▲ $113,261
Total Liabilities$447,405$564,797▲ $117,392
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$703,198$546,707▼ $156,491
Net Assets With Donor Restrictions$845,505$367,233▼ $478,272
Total Net Assets Fund Balance$1,548,703$913,940▼ $634,763
Total Liabilities and Net Assets / Fund Balance$1,996,108$1,478,737▼ $517,371

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$31,860$19,043$50,903
Leasehold Improvements$6,193$35,474$41,667
Other Assets Org$276,960--

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2024$256,973-▲ $21,398-$278,721
2023$236,087-▲ $21,237-$256,973
2022$212,240$4,343▲ $19,854-$236,087
2021$236,232$5,000▼ $28,642-$212,240
2020$184,688$5,300▲ $46,619-$236,232
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Suyapa MirandaExecutive DirectorFT$146,493$2,462$148,955

Board Members and Trustees

NameTitle
Jeremie GreerChair
Kara McGuireVice Chair
Aide SalgadoDirector
Andrew MoremDirector
Carrie PersonDirector
Elizabeth WhiteDirector
Marsha Pitts-PhillipsDirector
Ronda ChakolisDirector
Roxanny ArmendarizDirector
Tom GottwaltDirector
Emma MollsSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$2,739,220
Program Service Revenue
$0
Investment Income
$36,922
Other Revenue
$1,083
All Other Contributions
$620,287
Change in Net Assets
$-630,174

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,777,225
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-4,589
Total Revenue per Audited Statements
$2,772,636
Total Revenue per Form 990
$2,777,225
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,236,900
Other Expenses$1,170,499
Total Fundraising Expense$329,140
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,548,800$62,383$157,419$1,768,602
Occupancy$206,091$6,234$19,503$231,828
Fees for Services Other$131,278$6,806$93,079$231,163
Advertising$216,592$2,893$334$219,819
Current Officers, Directors, Trustees, and Key Employees$140,314$6,759$14,131$161,204
Other Employee Benefits$111,799$21,340$9,389$142,528
Payroll Taxes$124,472$5,020$12,609$142,101
Office Expenses$125,338$5,035$1,015$131,388
Fees for Services Accounting$63,639$2,207$7,271$73,117
Travel$34,216$4,576$1,424$40,216
Insurance$11,976$15,610$1,312$28,898
Pension Plan Contributions$17,622$3,363$1,480$22,465
Fees for Services Management$363$12,214-$12,577
Other Expenses$6,537$5,474$293$12,304
Information Technology$6,999$216$678$7,893
All Other Expenses$5,275$1,784$547$7,606
Fees for Services Legal$1,745$3,988$143$5,876
Depreciation Depletion-$4,883-$4,883
Total Functional Expenses$2,903,538$174,721$329,140$3,407,399

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,407,399
Total Expenses per Audited Statements$3,407,399
Total Expenses per Form 990$3,407,399
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$1,847
Fundraising Gross Income$0
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
Lease liability - operating$283,047
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
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, Part VI, Section B, line 11B

“The finance committee selected by the Board of Directors and chaired by a certified public accountant, reviewed the Form 990. The Form 990 was presented to the Board of Directors for approval prior to filing with the IRS.”

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

“Board members are required to sign a conflict of interest disclosure statement annually. The board will not enter into any contract or transaction where a conflict of interest may exist unless all of the following three conditions are met 1) the interest in conflict is disclosed to the Board of Directors at the time the contract or transaction is considered 2) a quorum (not counting the interested director) is present at the meeting where the contract or transaction is considered 3) a majority of directors (not counting the interested director) approves, authorizes or ratifies the action.”

Form 990, Part VI, Section B, line 15

“Compensation for the Executive Director is determined by the Board of Directors after each annual performance review. The Executive Director's review is based on (1) accomplishments to date; (2) operations of the organization as executed within the boundaries of prudence & ethics established in board policies on executive limitations; & (3) evaluation of the professional relationship between the Executive Director, the board, & staff. The board's executive committee is responsible for collecting & evaluating information based on the three areas listed above. The performance review is conducted with the board of directors. Comparability salary & benefits is assessed through the Minnesota Council of Nonprofits salary survey and examination of current advertised positions in the field.”

Form 990, Part VI, Section C, line 19

“Governing documents, policies, & financial statements are made available for public inspection by request through the organization. The Form 990 can be viewed on Guidestar.com.”

Filing and Contact Details

Filer

Filer Name
Prepare and Prosper
EIN
23-7131829
Phone
6512622155
Address
2610 University Ave W 450, St Paul, MN 55114

Signing Officer

Name
Suyapa Miranda
Title
Executive Director
Phone
6512622155
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Suyapa Miranda
Formed
1971
Legal Domicile
Mn
Voting Board Members
11
Independent Board Members
11
Employees
65
Volunteers
462

Preparer

Firm
Abdo LLP
Address
5201 Eden Ave Ste 250, Edina, MN 55436
Preparer
Cynthia Barta CPA
Phone
9528359090
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C:

“This process has not changed from the prior year.”

Financial Statement Notes

Part V, Line 4:

“Endowment fund income may be used for operating or program expenses of Prepare and Prosper.”

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IRS990/Desc0Prepare + Prosper (P+P) is a Saint Paul based economic justice nonprofit founded in 1971 to provide free high-quality tax perparation to low-income and moderate-income Minnesotans. While tax preparation remains the primary focus, P+P has since evolved into a nationally recognized leader in financial inclusion by offering innovative, accessible programs and tools to supposrt historically disinvested communities in building wealth and improving their financial health. P+P's mission is to work, along with volunteers, with people who have low to moderate incomes to build financial well-being through free tax preparation and financial services, products, and coaching, and by changing systems to create economic opportunity.
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IRS990/MissionDesc0Prepare + Prosper and its volunteers work with low- to moderate-income people to build financial well-being through free tax preparation and financial services, products, and coaching, and by changing systems to create economic opportunity.
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IRS990/OtherExpensesGrp/FundraisingAmt16387
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IRS990/OtherExpensesGrp/ProgramServicesAmt156003
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IRS990/PayrollTaxesGrp/FundraisingAmt012609
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt05020
IRS990/PayrollTaxesGrp/ProgramServicesAmt0124472
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IRS990/PrincipalOfficerNm0Suyapa Miranda
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IRS990/ProgSrvcAccomActy2Grp/Desc0Financial Capability and Learning: Prepare + Prosper runs two major initiatives - Money Mentors and Financial Access in Reach (FAIR) to support greater financial wellbeing. Money Mentors provides coaching and resources to participants as they work toward sef-identified goals like vuilding credit or reducing debt. FAIR provides a three-product financial solution for financial underserved households and is designed to be scaled nationally through a community-based distribution model.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0801420
IRS990/ProgSrvcAccomActy3Grp/Desc0P + P has worked to leverage the expertise of its staff, amplify the voices of people directly affected, and build cross sector partnerships and networks to inform policy and systems change and build a more equitable and inclusive financial future. Recent efforts include strengthening public policy related to tax credits, asset building and consumer protection. In 2025, P+P continued to enhance it's Systems Change department with the intention of positioning the families we serve as the key stakeholders within the systems and policies that affect them. The department focuses on bringing forth the voices and lived experiences of the many and varied communities we serve to guide our work and inform our change-making agenda. Systems change work includes advocacy, community engagement, network and capacity-building activities.
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Filings

Displayed year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,478,737
Liabilities
$564,797
Net assets
$913,940
Revenue
$2,777,225
Expenses
$3,407,399
Net income
-$630,174
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.48$0.56$0.91$2.78$3.41$0.63
2024Detailed filing. Detailed filing data is available for this year.$2.00$0.45$1.55$2.01$2.98$0.98
2023Detailed filing. Detailed filing data is available for this year.$3.15$0.63$2.52$2.57$2.47$0.10
2022Detailed filing. Detailed filing data is available for this year.$2.51$0.11$2.40$2.16$2.20$0.04
2021Detailed filing. Detailed filing data is available for this year.$2.80$0.32$2.47$2.51$2.24$0.26
2020Detailed filing. Detailed filing data is available for this year.$2.44$0.27$2.16$2.34$1.80$0.54
2019Detailed filing. Detailed filing data is available for this year.$1.70$0.07$1.63$2.09$2.10$0.01
2018Detailed filing. Detailed filing data is available for this year.$1.71$0.07$1.64$2.19$1.97$0.22
2017Detailed filing. Detailed filing data is available for this year.$1.52$0.10$1.42$1.88$1.90$0.02
2016Detailed filing. Detailed filing data is available for this year.$1.58$0.15$1.43$2.34$1.71$0.63
2015Detailed filing. Detailed filing data is available for this year.$0.93$0.12$0.82$1.75$1.49$0.25
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.67$0.09$0.58$1.29
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.55$0.09$0.46$1.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.62$0.07$0.55$1.03