Civic Intelligence

International Foundation for Retirement Education

990 • Fiscal year 2024 • EIN 52-2069006

Jan 01, 2024 to Dec 31, 2024 • Filed on Jul 31, 2025

Organization ProfileWWW.INFRE.ORG
PO Box 524Barrington, IL 60011-0524

(847) 382-9032

Siviq Scores

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

Liabilities / Assets

67th percentile

0.02x

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

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

70th percentile

0.02x

Higher debt load relative to revenue than 70% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

23rd percentile

-13%

Higher net margin than 23% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

99th percentile

$133,900

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 42.2% of source-year revenue.

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

31st percentile

-11%

Faster asset growth than 31% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

60th percentile

11%

Faster revenue growth than 60% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets67th percentile

Assets

Down

$343,061

Down $44,202 (-11%) from 2023

Net Assets

Down

$337,729

Down $42,444 (-11%) from 2023

Liabilities

Down

$5,332

Down $1,758 (-25%) from 2023

Revenue And Expenses
Liabilities / Revenue70th percentileNet Margin23rd percentile

Revenue

Up

$317,314

Up $30,412 (+11%) from 2023

Expenses

Up

$359,757

Up $19,645 (+5.8%) from 2023

Net Income

Up

-$42,443

Up $10,767 (+20%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth31st percentile

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

$1.0M$500K$0-$500KAssets 2010: $491,238Liabilities 2010: $673,565Net Assets 2010: -$182,3272010Assets 2011: $488,741Liabilities 2011: $875,878Net Assets 2011: -$387,1372011Assets 2012: $442,858Liabilities 2012: $56,579Net Assets 2012: $386,2792012Assets 2013: $450,074Liabilities 2013: $76,992Net Assets 2013: $373,0822013Assets 2015: $559,004Liabilities 2015: $62,235Net Assets 2015: $496,7692015Assets 2016: $607,382Liabilities 2016: $30,452Net Assets 2016: $576,9302016Assets 2017: $593,660Liabilities 2017: $6,400Net Assets 2017: $587,2602017Assets 2018: $505,093Liabilities 2018: $11,581Net Assets 2018: $493,5122018Assets 2019: $488,651Liabilities 2019: $16,610Net Assets 2019: $472,0412019Assets 2020: $468,746Liabilities 2020: $16,492Net Assets 2020: $452,2542020Assets 2021: $488,873Liabilities 2021: $21,170Net Assets 2021: $467,7032021Assets 2022: $450,786Liabilities 2022: $17,399Net Assets 2022: $433,3872022Assets 2023: $387,263Liabilities 2023: $7,090Net Assets 2023: $380,1732023Assets 2024: $343,061Liabilities 2024: $5,332Net Assets 2024: $337,7292024

Highlighted filing

2024

Assets$343,061
Liabilities$5,332
Net Assets$337,729
Open 2024 Filing

Operations Trend

Revenue Growth60th percentile

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

$800K$600K$400K$200K$0-$200KExpenses 2010: $578,1152010Expenses 2011: $625,5352011Expenses 2012: $733,1042012Revenue 2013: $575,085Expenses 2013: $588,282Net Income 2013: -$13,1972013Revenue 2015: $689,333Expenses 2015: $553,696Net Income 2015: $135,6372015Revenue 2016: $593,698Expenses 2016: $513,537Net Income 2016: $80,1612016Revenue 2017: $560,454Expenses 2017: $550,124Net Income 2017: $10,3302017Revenue 2018: $412,234Expenses 2018: $457,787Net Income 2018: -$45,5532018Revenue 2019: $433,923Expenses 2019: $455,394Net Income 2019: -$21,4712019Revenue 2020: $390,659Expenses 2020: $410,446Net Income 2020: -$19,7872020Revenue 2021: $445,396Expenses 2021: $429,947Net Income 2021: $15,4492021Revenue 2022: $351,292Expenses 2022: $385,608Net Income 2022: -$34,3162022Revenue 2023: $286,902Expenses 2023: $340,112Net Income 2023: -$53,2102023Revenue 2024: $317,314Expenses 2024: $359,757Net Income 2024: -$42,4432024

Highlighted filing

2024

Revenue$317,314
Expenses$359,757
Net Income-$42,443
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 31, 2025
Return Version
2024v5.0
Gross Receipts
$317,314
Mission and Program Overview

Mission

INFRE provides professional certification and education programs to better equip the retirement professional to assist the American worker achieve retirement security.

Infre provides professional certification and education prgrams to better equip the retirement professional to assist the american worker to achieve retirement security.

Balance Sheet Detail
LineBeginningEndChange
Assets
Intangible Assets$186,268$163,097▼ $23,171
Cash and Non-Interest-Bearing Accounts$160,506$154,127▼ $6,379
Prepaid Expenses and Deferred Charges$19,288$18,260▼ $1,028
Accounts Receivable$19,744$5,550▼ $14,194
Inventories for Sale or Use$1,455$2,027▲ $572
Total Assets$387,263$343,061▼ $44,202
Other Assets Total$2--
Liabilities
Accounts Payable and Accrued Expenses$7,090$5,332▼ $1,758
Total Liabilities$7,090$5,332▼ $1,758
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$380,173$337,729▼ $42,444
Total Net Assets Fund Balance$380,173$337,729▼ $42,444
Total Liabilities and Net Assets / Fund Balance$387,263$343,061▼ $44,202

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$24,726$24,726
Other Land Buildings-$13,502$13,502
Compensation and Service Providers
Top Officer Pay99th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kevin SeibertManaging DirectorFT$109,000$24,900$133,900

Board Members and Trustees

NameTitle
Ralph MarshChairman
Cathie EitelbergBoard of Gov
Denise ApplebyBoard of Gov
Matthew PetersenBoard of Gov
Roderick CraneBoard of Gov
William GustafsonBoard of Gov
Richard ReillyVc & Treasur
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$317,307
Investment Income
$7
Other Revenue
$0
Change in Net Assets
$-42,443
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$240,932
Other Expenses$118,825
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$173,748$30,661-$204,409
Office Expenses$24,293$2,050-$26,343
Other Employee Benefits$17,752$3,133-$20,885
Information Technology$16,316$2,879-$19,195
Payroll Taxes$13,292$2,346-$15,638
Fees for Services Accounting-$13,044-$13,044
Fees for Services Other$9,541--$9,541
Depreciation Depletion$9,124--$9,124
Insurance$6,523--$6,523
Fees for Services Legal$6,465--$6,465
Advertising$250--$250
Other Expenses$5,667$200-$200
Total Functional Expenses$305,444$54,313$0$359,757
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
Yes
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
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, Page 6, Part VI, Line 11B

“The tax return was emailed to a subset of the board members for their review.”

Form 990, Page 6, Part VI, Line 12C

“Annually all board members are required to disclose all potential conflicts of interest and at the next available board meeting all potential confilcts of interest are reviewed by the whold board.”

Form 990, Page 6, Part VI, Line 19

“AVAILABLE UPON REQUEST.”

Filing and Contact Details

Filer

Filer Name
International Foundation for
EIN
52-2069006
Phone
8473829032
Address
PO BOX 524, BARRINGTON, IL 60011-0524

Signing Officer

Name
Kevin Seibert
Title
Managing Director
Phone
8473829032
Signed
2025-07-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ralph Marsh
Formed
1997
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
10

Preparer

Firm
Randall Gross & Company Ltd
Address
110 SOUTH HAGER AVENUE, BARRINGTON, IL 60010-4170
Preparer
Christopher a Gross CPA
Phone
8473815544
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4A

“Infre continues to advance the recognition among retirement planning professionals of the need for training, continuing education, and a code of professional ethics. The certified retirement counselor(crc) certification program content and continuing education courses are updated annually and made relevant to the profession by subject matter experts. The crc is independently accredited by the national commission for certifying agencies and infre relies on outside consulting services to maintain rigorous accredittation standards related to updating the conprehensive crc examination, recertification requirements, governance and other policies and procedures. Accreditation must be renewed every 5 years by submitting a detailed application. Infre maintains a database of crc certificants and candidates that meets up-to-date technology and communication requirements.”

Form 990, Part XI, Line 9

“ROUNDING -1”

Raw XML Appendix356 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.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0INFRE CONTINUES TO ADVANCE THE RECOGNITION AMONG RETIREMENT PLANNING PROFESSIONALS OF THE NEED FOR TRAINING, CONTINUING EDUCATION, AND A CODE OF PROFESSIONAL ETHICS. THE CERTIFIED RETIREMENT COUNSELOR(CRC) CERTIFICATION PROGRAM CONTENT AND CONTINUING EDUCATION COURSES ARE UPDATED ANNUALLY AND MADE RELEVANT TO THE PROFESSION BY SUBJECT MATTER EXPERTS. THE CRC IS INDEPENDENTLY ACCREDITED BY THE NATIONAL COMMISSION FOR CERTIFYING AGENCIES AND INFRE RELIES ON OUTSIDE CONSULTING SERVICES TO MAINTAIN RIGOROUS ACCREDITTATION STANDARDS RELATED TO UPDATING THE CONPREHENSIVE CRC EXAMINATION, RECERTIFICATION REQUIREMENTS, GOVERNANCE AND OTHER POLICIES AND PROCEDURES. ACCREDITATION MUST BE RENEWED EVERY 5 YEARS BY SUBMITTING A DETAILED APPLICATION. INFRE MAINTAINS A DATABASE OF CRC CERTIFICANTS AND CANDIDATES THAT MEETS UP-TO-DATE TECHNOLOGY AND COMMUNICATION REQUIREMENTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE TAX RETURN WAS EMAILED TO A SUBSET OF THE BOARD MEMBERS FOR THEIR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANNUALLY ALL BOARD MEMBERS ARE REQUIRED TO DISCLOSE ALL POTENTIAL CONFLICTS OF INTEREST AND AT THE NEXT AVAILABLE BOARD MEETING ALL POTENTIAL CONFILCTS OF INTEREST ARE REVIEWED BY THE WHOLD BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ROUNDING -1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XI, LINE 9
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IRS990/WebsiteAddressTxt0WWW.INFRE.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KEVIN SEIBERT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGING DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum08473829032
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-07-31
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0INTERNATIONAL FOUNDATION FOR
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0RETIREMENT EDUCATION
ReturnHeader/Filer/BusinessNameControlTxt0INTE
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ReturnHeader/Filer/PhoneNum08473829032
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 524
ReturnHeader/Filer/USAddress/CityNm0BARRINGTON
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ReturnHeader/Filer/USAddress/ZIPCd0600110524
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0363846443
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0RANDALL GROSS & COMPANY LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0110 SOUTH HAGER AVENUE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BARRINGTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0600104170
ReturnHeader/PreparerPersonGrp/PhoneNum08473815544
ReturnHeader/PreparerPersonGrp/PreparationDt02025-07-31
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHRISTOPHER A GROSS CPA
ReturnHeader/ReturnTs02025-08-20T09:59:03-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$343,061
Liabilities
$5,332
Net assets
$337,729
Revenue
$317,314
Expenses
$359,757
Net income
-$42,443
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.43$0.05$3.38$3.17$3.60$0.42
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.87$0.07$3.80$2.87$3.40$0.53
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.51$0.17$4.33$3.51$3.86$0.34
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.89$0.21$4.68$4.45$4.30$0.15
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.69$0.16$4.52$3.91$4.10$0.20
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.89$0.17$4.72$4.34$4.55$0.21
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.05$0.12$4.94$4.12$4.58$0.46
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.94$0.06$5.87$5.60$5.50$0.10
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.07$0.30$5.77$5.94$5.14$0.80
2015Detailed filing. Detailed filing data is available for this year.$5.59$0.62$4.97$6.89$5.54$1.36
2013Detailed filing. Detailed filing data is available for this year.$4.50$0.77$3.73$5.75$5.88$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.43$0.57$3.86$7.33
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.89$8.76$3.87$6.26
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.91$6.74$1.82$5.78
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2024 filings • 501(c)3 • <$500k nonprofits