Civic Intelligence

Sage Financial Solutions Inc.

990 • Fiscal year 2018 • EIN 56-2591517

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 15, 2019

Organization Profilesagemoneytalks.wordpress.com
807 Waterford PlacePinole, CA 94564

(415) 413-7243

Siviq Scores

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

Liabilities / Assets

98th percentile

3.78x

Higher debt load relative to assets than 98% of similar nonprofits.

2018 filings • 501(c)3 • <$500k nonprofits • Source year 2018

Liabilities / Revenue

85th percentile

0.14x

Higher debt load relative to revenue than 85% of similar nonprofits.

2018 filings • 501(c)3 • <$500k nonprofits • Source year 2018

Net Margin

39th percentile

-0.7%

Higher net margin than 39% of similar nonprofits.

2018 filings • 501(c)3 • <$500k nonprofits • Source year 2018

Top Officer Pay

98th percentile

$115,380

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 34.1% of source-year revenue.

2018 filings • 501(c)3 • <$500k nonprofits • Source year 2018

Asset Growth

11th percentile

-43%

Faster asset growth than 11% of similar nonprofits.

2018 filings • 501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

66th percentile

13%

Faster revenue growth than 66% of similar nonprofits.

2018 filings • 501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets98th percentile

Assets

Down

$12,636

Down $9,407 (-43%) from 2017

Net Assets

Down

-$35,173

Down $2,347 (-7.1%) from 2017

Liabilities

Down

$47,809

Down $7,060 (-13%) from 2017

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin39th percentile

Revenue

Up

$338,602

Up $37,886 (+13%) from 2017

Expenses

Down

$340,949

Down $33,740 (-9.0%) from 2017

Net Income

Up

-$2,347

Up $71,626 (+97%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth11th percentile

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

$800K$600K$400K$200K$0-$200KAssets 2017: $22,043Liabilities 2017: $54,869Net Assets 2017: -$32,8262017Assets 2018: $12,636Liabilities 2018: $47,809Net Assets 2018: -$35,1732018Assets 2019: $213,037Liabilities 2019: $33,092Net Assets 2019: $179,9452019Assets 2020: $658,091Liabilities 2020: $195,871Net Assets 2020: $462,2202020Assets 2021: $362,828Liabilities 2021: $180,657Net Assets 2021: $182,1712021Assets 2022: $432,926Liabilities 2022: $231,855Net Assets 2022: $201,0712022Assets 2023: $434,507Liabilities 2023: $209,531Net Assets 2023: $224,9762023Assets 2024: $254,220Liabilities 2024: $158,901Net Assets 2024: $95,3192024

Highlighted filing

2018

Assets$12,636
Liabilities$47,809
Net Assets-$35,173
Open 2018 Filing

Operations Trend

Revenue Growth66th percentile

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

$1.0M$500K$0-$500KRevenue 2017: $300,716Expenses 2017: $374,689Net Income 2017: -$73,9732017Revenue 2018: $338,602Expenses 2018: $340,949Net Income 2018: -$2,3472018Revenue 2019: $858,454Expenses 2019: $672,541Net Income 2019: $185,9132019Revenue 2020: $930,161Expenses 2020: $662,313Net Income 2020: $267,8482020Revenue 2021: $393,641Expenses 2021: $673,690Net Income 2021: -$280,0492021Revenue 2022: $642,593Expenses 2022: $623,693Net Income 2022: $18,9002022Revenue 2023: $763,079Expenses 2023: $694,281Net Income 2023: $68,7982023Revenue 2024: $551,316Expenses 2024: $779,031Net Income 2024: -$227,7152024

Highlighted filing

2018

Revenue$338,602
Expenses$340,949
Net Income-$2,347
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 15, 2019
Return Version
2018v3.1
Gross Receipts
$338,602
Mission and Program Overview

Mission

Sage financial solutions bridges the gap between financial services professions and low-wealth communities by providing support to community based organizations (cbos) and financial life skills programs. We believe everyone deserves access to competent, ethical financial services

Sage financial solutions (sfs) bridges the gap between financial services professions and low-wealth communities. We believe that everyone needs and deserves access to competent, ethical financial services and so we provide support to community based organizations (cbos) and financial life skills programs for low-wealth individuals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$22,043$12,636▼ $9,407
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$22,043$12,636▼ $9,407
Other Assets Total-$0-
Liabilities
Other Liabilities-$32,368-
Accounts Payable and Accrued Expenses$54,869$15,441▼ $39,428
Total Liabilities$54,869$47,809▼ $7,060
Net Assets / Fund Balance
Unrestricted Net Assets$-32,826$-35,173▼ $2,347
Total Net Assets Fund Balance$-32,826$-35,173▼ $2,347
Total Liabilities and Net Assets / Fund Balance$22,043$12,636▼ $9,407
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Saundra D DavisCEOFT$115,380$115,380

Board Members and Trustees

NameTitle
Holly Gillian-kendel Cfp CluDirector
Joe Canton PhdDirector
Sarita EvansDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$338,602
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-2,347
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$225,569
Salaries, Compensation, and Employee Benefits$115,380
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$109,611$5,769-$115,380
Travel$40,511$2,132-$42,643
Fees for Services Accounting$13,300$700-$14,000
Office Expenses$4,370$230-$4,600
Interest-$3,938-$3,938
Occupancy$3,210$169-$3,379
Fees for Services Legal$2,295$121-$2,416
Other Expenses$1,130$59-$1,189
Advertising$650$34-$684
Insurance$255--$255
All Other Expenses-$249-$249
Total Functional Expenses$325,794$15,155$0$340,949
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Credit Card - Chase$19,523
Credit Card - Virgin America$12,845
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
Yes
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“No review was or will be conducted.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Sage Financial Solutions Inc
EIN
56-2591517
Phone
4154137243
Address
807 WATERFORD PLACE, PINOLE, CA 94564

Signing Officer

Name
Saundra D Davis
Title
CEO
Signed
2019-11-15
Discuss with paid preparer
Yes

Organization Details

Formed
2005
Legal Domicile
CA
Voting Board Members
4
Independent Board Members
0
Employees
0

Preparer

Firm
Hca & Co CPA
Address
595 Market Street Suite 1180, San Francisco, CA 94105-2843
Preparer
Hc Ahuruonye CPA
Phone
4152834490
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IRS990ScheduleD/TotalLiabilityAmt032368
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0No review was or will be conducted.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1No documents available to the public.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
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IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt012636
IRS990/TotalAssetsGrp/BOYAmt022043
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IRS990/TotalContributionsAmt0338602
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt015155
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0325794
IRS990/TotalFunctionalExpensesGrp/TotalAmt0340949
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesEOYAmt047809
IRS990/TotalLiabilitiesGrp/BOYAmt054869
IRS990/TotalLiabilitiesGrp/EOYAmt047809
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-35173
IRS990/TotalProgramServiceExpensesAmt0325794
IRS990/TotalProgramServiceRevenueAmt00
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0338602
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IRS990/USAddress/ZIPCd094564
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IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0http://sagemoneytalks.wordpress.com/
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02020-04-17 16:48:07Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SAUNDRA D DAVIS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-11-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SAGE FINANCIAL SOLUTIONS INC
ReturnHeader/Filer/BusinessNameControlTxt0SAGE
ReturnHeader/Filer/EIN0562591517
ReturnHeader/Filer/PhoneNum04154137243
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0HCA & CO CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0595 Market Street Suite 1180
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0San Francisco
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0941052843
ReturnHeader/PreparerPersonGrp/PhoneNum04152834490
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0HC AHURUONYE CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02019-11-15T16:34:48-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,636
Liabilities
$47,809
Net assets
-$35,173
Revenue
$338,602
Expenses
$340,949
Net income
-$2,347
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.54$1.59$0.95$5.51$7.79$2.28
2023Detailed filing. Detailed filing data is available for this year.$4.35$2.10$2.25$7.63$6.94$0.69
2022Detailed filing. Detailed filing data is available for this year.$4.33$2.32$2.01$6.43$6.24$0.19
2021Detailed filing. Detailed filing data is available for this year.$3.63$1.81$1.82$3.94$6.74$2.80
2020Detailed filing. Detailed filing data is available for this year.$6.58$1.96$4.62$9.30$6.62$2.68
2019Detailed filing. Detailed filing data is available for this year.$2.13$0.33$1.80$8.58$6.73$1.86
2018Detailed filing. Detailed filing data is available for this year.$0.13$0.48$0.35$3.39$3.41$0.02
2017Detailed filing. Detailed filing data is available for this year.$0.22$0.55$0.33$3.01$3.75$0.74