Black Hills Children'S Ranch Inc

“Todd ossenfort laca ossenfort pres/coo sec/administ family relationship todd ossenfort laca ossenfort pres/coo sec/administ business relationship laca ossenfort annie edwards sec/adminst vpcounseling family relationship”

“The form 990 was prepared by an independent cpa and emailed in draft form to all members of the governing body, the administrator, and the cfo for their review and concurrence prior to filing with the irs.”

“The organization continually monitors proposed or ongoing transactions for conflicts of interest as transactions occur. The conflict of interest policy includes all trustees, officers, agents, employees, and independent contractors of the organization, and the chairman of the board is responsible for determining whether a conflict of interest exists. These individuals are also required to immediately disclose any real or apparant conflict of interest that they discover or that is brought to their attention in connection with the organization's activities. In addition, an annual disclosure statement is circulated to all board members, officers, and certain identified agents and employees to assist them in considering such disclosures. When such a conflict is discovered,it is noted in the record of the minutes of the board of directors. Those involved in the conflict are precluded from participating in discussions or deliberations with respect to the subject of the conflict, using personal influence to affect deliberations, making motions, voting, executing agreements, or taking similar actions on behalf of the organization where the conflict of interest might pertain by law, agreement, or otherwise.”

“The governing body approves annual compensation for top management officials, officers, and key employees. Spreadsheets are prepared for review that include current wages, as well as comparisons with the south dakota occupational wage publication and the abbott langer association surveys. The top management official is the administrator. This individual is excluded from board salary discussions.”

“See form 990, part vi, line 15a -- all officers and key employees follow the process utilized for determining compensation of the top management official as described above. The process is conducted annually and includes the coo, cfo, and the vice president of counseling. These individuals are excluded from board salary discussions.”

“The organization complies with the public inspection requirements of internal revenue code section 6104 by making available its form 1023, application for recognition of exemption under section 501(a), determination letter from the irs, forms 990, and forms 990-t for its three most recently completed tax periods (currently not applicable because the organization has not been required to file a form 990-t for any of its three most recently completed tax years). However, as section 6104 does not require organizations exempt under section 501(c)(3) to disclose its governing documents, conflict of interest policies, or financial statements, the organization has chosen not to make such information available for public inspection.”

“To provide financial counseling and education to consumers through a broad range of financial life skills, budgeting, retirement, housing, student loans and credit, pre-bankruptcy counseling, post-bankruptcy education or debt issues through online digital communication (ex. Zoom) face to face counseling sessions, telephone sessions, workshops and seminars in conjunction with the curriculum of the simplified guide to financial life skills and a new day on-line education. Through our counseling and education, hundreds of thousands of individuals and families throughout the united states have gained the tools necessary to manage their financial life skills.”

“Black hills children's ranch, inc d/b/a pioneer credit counseling offers several options to consumers seeking help in financial education, budgeting and debt management. A consumer will initially visit with one of our certified credit counselors (certified through the guidelines of the national foundation for credit counseling (nfcc) and the financial counseling association of america (fcaa)) to discuss the goals of the consumer. If they are primarily seeking assistance in establishing a monthly budget or reviewing their financial situation, this will be done at no charge to the consumer and can be completed within an hour or two whether face to face or by phone depending on the consumers financial situation. We also provide consumers on a daily basis with housing counseling (at no cost), reverse mortgage (hecm) counseling, student loan counseling, prebankruptcy counseling and post-bankruptcy education. There are some instances in which after their initial consultation, the consumer determines that they would like or need further assistance in reducing payments to unsecured creditors or due to their budget not being within their means. In such situations a certified credit counselor may recommend enrollment in our debt management program as a means of additional assistance and ongoing counseling. We provide a wide range of information through our state of the art web-site 24/7, which has account information for those that have enrolled on our debt management program in addition to being available by phone monday-friday, 7:00 a.m. To 7:00 pm and saturdays by appointment. Bhcr d/b/a pioneer credit counseling is a member of the national foundation for credit counseling and also a registered agency through bureau veritas certification and operates a quality management system in compliance with the requirements of the international standards organiation 9001-2015 and the fcaa code of practice, as well as a participant of the better business bureau care program. Black hills children's ranch, inc. D/b/a pioneer credit counseling has had over 8,500 counseling sessions in the year of 2024 alone with an estimated 700 of those consumers determining their needs to enroll in our debt management program. Many of our counseling and educational sessions are provided at no charge to the public. Black hills children's ranch, inc. D/b/a pioneer credit counseling provides anyone that is in need of our education programs and services, regardless of their ability to pay. Our latest education program, a new day, is available 24 /7 and in 2024 there were over 6,000 consumers which completed our course. In the year 2024, the number of enrollees for the simplified guide to financial life skills were over 8,500. This workbook covers basic money management and financial life skills. Chapters as follows: pretest (this helps measure the financial literacy of each individual) chapter 1 identifying debt warning signs chapter 2 - setting up a family budget chapter 3 tips for making a budget chapter 4 shopping guide, budget help chapter 5 money management help chapter 6 conquering your financial stress chapter 7 tips for dealing with your creditors & planning, preparing and managing your financial future final test (submitted to pioneer credit counseling for grading and recording the measurement of their success.) glossary / appendix (this includes terms which appear on creditor statements and credit report to enhance the consumers financial literacy.) of those completing the course with a passing grade on the final test, graduated and received a graduation certificate.”