Civic Intelligence

Debt Reduction Services Inc.

990 • Fiscal year 2020 • EIN 82-0491267

Jan 01, 2020 to Dec 31, 2020 • Filed on Apr 21, 2021

Organization ProfileWWW.DEBTREDUCTIONSERVICES.ORG

View Organization Page

6213 N Cloverdale Rd Ste 100Boise, ID 83713

(208) 378-0200

Siviq Scores

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

Liabilities / Assets

87th percentile

0.70x

Higher debt load relative to assets than 87% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Liabilities / Revenue

68th percentile

0.30x

Higher debt load relative to revenue than 68% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Net Margin

32nd percentile

-2.6%

Higher net margin than 32% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

95th percentile

$329,948

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 9.1% of source-year revenue.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Asset Growth

74th percentile

22%

Faster asset growth than 74% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Revenue Growth

37th percentile

-7.0%

Faster revenue growth than 37% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets87th percentile

Assets

Flat

$1,573,018

Flat from 2020

Net Assets

Flat

$479,456

Flat from 2020

Liabilities

Flat

$1,093,562

Flat from 2020

Revenue And Expenses
Liabilities / Revenue68th percentileNet Margin32nd percentile

Revenue

Flat

$3,644,677

Flat from 2020

Expenses

Flat

$3,740,751

Flat from 2020

Net Income

Flat

-$96,074

Flat from 2020

Historical Trend

Balance Sheet Trend

Asset Growth74th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MAssets 2010: $1,210,523Liabilities 2010: $805,221Net Assets 2010: $405,3022010Assets 2011: $953,664Liabilities 2011: $824,786Net Assets 2011: $128,8782011Assets 2012: $1,195,569Liabilities 2012: $814,936Net Assets 2012: $380,6332012Assets 2013: $1,415,967Liabilities 2013: $770,203Net Assets 2013: $645,7642013Assets 2014: $1,110,151Liabilities 2014: $971,690Net Assets 2014: $138,4612014Assets 2015: $859,212Liabilities 2015: $900,199Net Assets 2015: -$40,9872015Assets 2016: $987,388Liabilities 2016: $757,570Net Assets 2016: $229,8182016Assets 2017: $1,058,894Liabilities 2017: $548,237Net Assets 2017: $510,6572017Assets 2018: $1,074,665Liabilities 2018: $517,613Net Assets 2018: $557,0522018Assets 2019: $1,285,850Liabilities 2019: $710,320Net Assets 2019: $575,5302019Assets 2020: $1,573,018Liabilities 2020: $1,093,562Net Assets 2020: $479,4562020Assets 2020: $1,573,018Liabilities 2020: $1,093,562Net Assets 2020: $479,4562020Assets 2021: $2,051,232Liabilities 2021: $1,145,147Net Assets 2021: $906,0852021Assets 2022: $2,036,838Liabilities 2022: $1,516,478Net Assets 2022: $520,3602022Assets 2023: $1,129,668Liabilities 2023: $1,049,562Net Assets 2023: $80,1062023Assets 2024: $1,050,280Liabilities 2024: $1,012,381Net Assets 2024: $37,8992024

Highlighted filing

2020

Assets$1,573,018
Liabilities$1,093,562
Net Assets$479,456
Open 2020 Filing

Operations Trend

Revenue Growth37th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $5,077,0082010Expenses 2011: $4,946,0252011Expenses 2012: $4,966,5232012Revenue 2013: $5,358,050Expenses 2013: $5,092,919Net Income 2013: $265,1312013Revenue 2014: $4,800,083Expenses 2014: $5,307,386Net Income 2014: -$507,3032014Revenue 2015: $4,244,667Expenses 2015: $4,424,115Net Income 2015: -$179,4482015Revenue 2016: $4,237,045Expenses 2016: $3,966,240Net Income 2016: $270,8052016Revenue 2017: $4,261,323Expenses 2017: $3,980,484Net Income 2017: $280,8392017Revenue 2018: $4,148,985Expenses 2018: $4,102,590Net Income 2018: $46,3952018Revenue 2019: $3,919,311Expenses 2019: $3,900,833Net Income 2019: $18,4782019Revenue 2020: $3,644,677Expenses 2020: $3,740,751Net Income 2020: -$96,0742020Revenue 2020: $3,644,677Expenses 2020: $3,740,751Net Income 2020: -$96,0742020Revenue 2021: $3,505,224Expenses 2021: $3,078,595Net Income 2021: $426,6292021Revenue 2022: $2,593,429Expenses 2022: $2,938,233Net Income 2022: -$344,8042022Revenue 2023: $2,344,933Expenses 2023: $2,785,187Net Income 2023: -$440,2542023Revenue 2024: $2,316,028Expenses 2024: $2,358,235Net Income 2024: -$42,2072024

Highlighted filing

2020

Revenue$3,644,677
Expenses$3,740,751
Net Income-$96,074
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Apr 21, 2021
Return Version
2020v4.1
Gross Receipts
$3,644,677
Mission and Program Overview

Mission

Our mission is to promote financial responsibility in our clients and community members nationwide. We accomplish this through educational programs, counseling, and personalized services. We thus empower individuals to develop and use positive budgeting skills and effective spending behaviors, to use credit wisely, and to prevent, manage, and eliminate consumer debt.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$1,172,130$1,481,508▲ $309,378
Rtn Earn Endowment Incm Other Fnds$575,530$479,456▼ $96,074
Land, Buildings, and Equipment, Net$98,152$77,696▼ $20,456
Prepaid Expenses and Deferred Charges$15,568$13,814▼ $1,754
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,285,850$1,573,018▲ $287,168
Liabilities
Unsecured Notes Loans Payable-$556,400-
Escrow Account Liability$565,858$440,578▼ $125,280
Accounts Payable and Accrued Expenses$103,662$96,584▼ $7,078
Deferred Revenue$40,800--
Total Liabilities$710,320$1,093,562▲ $383,242
Net Assets / Fund Balance
Total Net Assets Fund Balance$575,530$479,456▼ $96,074
Total Liabilities and Net Assets / Fund Balance$1,285,850$1,573,018▲ $287,168

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$77,696$58,865$136,561
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Joseph T CestaroPresidentFT$320,166$9,782$329,948
Mark L RizkowskyChief Complliance OfficerFT$174,799$9,782$184,581
Cara SteeleChief Operating OfficerFT$129,590$9,723$139,313
Thomas DrechslerVice-presidentFT$27,083$382$27,465

Board Members and Trustees

NameTitle
Andrea SorensenBoard Member
Christine RandallBoard Member
Daniel BurgettBoard Member
Darrin JaszkowiakBoard Member
Lyle CookBoard Member
Randy SiddowayBoard Member
Sue QuintBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$317,555
Program Service Revenue
$3,327,122
Investment Income
$0
Other Revenue
$0
All Other Contributions
$317,555
Change in Net Assets
$-96,074

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,634,602
Revenue Not Reported on Financial Statements
$10,075
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$10,075
Total Revenue per Audited Statements
$3,634,602
Total Revenue per Form 990
$3,644,677
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,292,051
Other Expenses$1,448,700
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,203,403$300,850-$1,504,253
Current Officers, Directors, Trustees, and Key Employees$521,294$130,324-$651,618
Advertising$345,246--$345,246
Office Expenses$174,613$14,158-$188,771
Occupancy$143,457$11,632-$155,089
Payroll Taxes$108,944$27,236-$136,180
Insurance$73,818$5,985-$79,803
All Other Expenses$73,038$5,922-$78,960
Other Expenses$27,893$2,262-$30,155
Depreciation Depletion$11,506$8,950-$20,456
Fees for Services Accounting$11,045$895-$11,940
Fees for Services Legal$5,062$410-$5,472
Travel$3,189$259-$3,448
Fees for Services Other$1,730$140-$1,870
Total Functional Expenses$3,224,460$516,291$0$3,740,751

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,740,751
Total Expenses per Audited Statements$3,740,751
Total Expenses per Form 990$3,740,751
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
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
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

“A copy of the form 990 is provided to all members of the board prior to filing the return.”

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

“Enforcement of conflicts of interest policy - the director of human resources inquires of applicable individuals as to their compliance with the conflicts of interest policies on a regular basis.”

Form 990, Part VI, Section B, Line 15

“Compensation process for top official - the board of directors appoint a compensation committee. The compensation committee reviewed forms 990 from comparable organizations and used economic research institute data and aadmo data to make a recommendation to the full board who then approved the recommendation.”

Form 990, Part VI, Section C, Line 19

“Governing documents disclosure explanation - the organization keeps its governing documents, conflict of interest policy, form 990, and financial statements at its corporate office and makes them available upon request.”

Filing and Contact Details

Filer

Filer Name
Debt Reduction Services Inc
EIN
82-0491267
Phone
2083780200
Address
6213 N CLOVERDALE RD STE 100, BOISE, ID 83713

Signing Officer

Name
Joseph Cestaro
Title
President
Phone
2083780200
Signed
2021-04-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joseph Cestaro
Formed
1996
Legal Domicile
Id
Voting Board Members
7
Independent Board Members
7
Employees
40
Volunteers
0

Preparer

Firm
Harris & Co Pllc
Address
1120 S RACKHAM WAY SUITE 100, MERIDIAN, ID 83642
Preparer
Margaret Flowers
Phone
2083338965
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“The organization receives funds from debtors and holds the funds in trust until they are remitted to the debtor's creditors.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Other income included in revenue 10,075.”

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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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IRS990/Desc0EDUCATIONAL ACCOMPLISHMENTSDRS DEDICATES A GREAT DEAL OF TIME, ENERGY AND RESOURCES WITHIN COMMUNITIES WHERE WE HAVE PHYSICAL OFFICES, IN ADDITION TO EXTENSIVE ONLINE FINANCIAL EDUCATION ACTIVITIES, TO PROMOTE FINANCIAL LITERACY AND HEALTHY PERSONAL FINANCE BEHAVIOR. OUR TOP THREE ACHIEVEMENTS INCLUDE: 1) THE CONTINUED DEVELOPMENT AND FACILITATION OF OUR AWARD-WINNING MY LIFE MY CHOICES - STUDENT EDITION COURSE (5,022 ONLINE PARTICIPANTS AND 30 IN PERSON), 2) THE DESIGN, RECORDING, AND FACILITATION OF OUR MONEY FIT LIVE WEEKLY YOUTUBE VIDEOS AND CHATS (49 VIDEOS, 1,200 VIEWS, AND OVER 90 HOURS OF VIEWING TIME), AND 3) THE DEVELOPMENT AND PUBLICATION OF OUR ONLINE FINANCIAL CALCULATORS MADE FOR SPECIFIC POPULATIONS AND ACTIVITIES (805 SUBMISSIONS).DURING 2020, INCOME RECEIVED, AND EXPENDITURES INCURRED BY THE ORGANIZATION SUPPORTED THE SUCCESSFUL IMPLEMENTATION OF THE FOLLOWING SIGNIFICANT FINANCIAL EDUCATION PROGRAMS AND SERVICES:MY LIFE MY CHOICES - MILITARY TRANSITION EDITION - THIS FREE, ONLINE, INTERACTIVE BUDGETING ACTIVITY FOR ACTIVE MILITARY SERVICE MEN AND WOMEN TRANSITIONING TO CIVILIAN LIFE HELPS THEM CONNECT THEIR PERSONAL CHOICES TO SHORT- AND LONG-TERM FINANCIAL CONSEQUENCES IN A 25- TO 45-MINUTE EXPERIENCE THAT INVOLVES TOPICS FROM BUDGETING AND TAXES TO HOUSING AND CONSUMER SPENDING. IN NOVEMBER 2020, THE ASSOCIATION FOR FINANCIAL COUNSELING AND PLANNING EDUCATION RECOGNIZED MY LIFE MY CHOICES - MILITARY TRANSITION EDITION WITH ITS 2020 OUTSTANDING CONSUMER FINANCIAL INFORMATION AWARD. EVERYDAY MONEY SERIES OF WEBINARS - THIS EIGHT-PART SERIES OF 27- TO 57-MINUTE ONLINE WORKSHOPS, FREE AND OPEN TO THE PUBLIC, ADDRESSES KEY FINANCIAL TOPICS, FROM FINANCIAL DIRECTION AND GOALS TO BUDGETS, FROM BUILDING CREDIT TO ELIMINATING DEBT, AND FROM SAVINGS STRATEGIES TO RELATIONSHIPS AND MONEY. IN 2020, WE HAD NEARLY 183 PARTICIPANTS COMPLETE THESE WEBINARS.REAL SOLUTIONS SERIES OF WEBINARS - THIS FOUR-PART SERIES OF ONE-HOUR ONLINE WORKSHOPS, FREE AND OPEN TO THE PUBLIC, OFFERS FOUR CORE FINANCIAL EDUCATION TOPICS REVOLVING AROUND DEBT REDUCTION SERVICES INC.'S MISSION, INCLUDING PERSONAL AND HOUSEHOLD BUDGETING, DEVELOPING EFFECTIVE SPENDING HABITS, USING CREDIT WISELY, AND PREVENTING AND ELIMINATING EXCESSIVE CONSUMER DEBT. OVER 179 INDIVIDUALS PARTICIPATED IN THESE WEBINARS IN 2020, INCLUDING 40 COURSES COMPLETED INSIDE STATE PRISONS.FINANCIALLY EMPOWERED SERIES OF WEBINARS - THIS FOUR-PART SERIES OF 30- TO 60-MINUTE ONLINE WORKSHOPS, FREE AND OPEN TO THE PUBLIC ALTHOUGH TARGETED TO SPECIFIC DEMOGRAPHICS AMONG OUR CLIENTS - ADDRESSING FREQUENT FINANCIAL QUESTIONS AND CHALLENGES CONFRONTING THE TWENTY-SOMETHING CROWD, SENIORS, EMPTY NESTERS, AND NEW PARENTS. IN 2020, INDIVIDUALS COMPLETED 97 OF THESE WEBINARS.WHO WANTS TO LIVE LIKE A MILLIONAIRE? WEBINAR: IN 2020, 192 INDIVIDUALS COMPLETED THIS FUN AND INTERACTIVE WEBINAR THAT BUSTS MYTHS OF WEALTH, LIFESTYLE, AND PARTICULARLY HYPER-CONSUMERISM.IDAHO FINANCIAL LITERACY COALITION - THIS IS THE STATE CHAPTER OF THE JUMP$TART COALITION FOR PERSONAL FINANCIAL LITERACY, WHICH PROMOTES FINANCIAL LITERACY AMONG YOUTH AND AT RISK POPULATIONS. IN 2020, THE ORGANIZATION'S EDUCATION MANAGER CONTINUED TO PARTICIPATE IN THE COALITION'S REGULAR MEMBERSHIP MEETINGS TO COORDINATE FINANCIAL EDUCATION WITH LIKE-MINDED ORGANIZATIONS.COALITIONS AND ASSOCIATIONS - IN 2020 THE ORGANIZATION'S EDUCATION MANAGER PARTICIPATED AS A REGULAR PANELIST ON THE WEEKLY TWITTER #CREDITCHAT HOSTED BY EXPERIAN. HE ALSO SERVES ON THE PROGRAM COORDINATING COMMITTEES FOR THREE SOUTHWESTERN IDAHO HOUSING AUTHORITIES. FINALLY, HE ALSO PARTICIPATED ON THE TECHNICAL ADVISORY COMMITTEE FOR THE BOISE SCHOOL DISTRICT'S FAMILY AND CONSUMER SCIENCE PROGRAM.WHENEVER POSSIBLE, THE ORGANIZATION PRESENTS AND STAFFS BOOTHS AT CONFERENCES AND SEMINARS WHERE IT IS ABLE TO OFFER FINANCIAL EDUCATION TO INDIVIDUALS OF ALL AGES AND WALKS OF LIFE. IN EARLY 2020, BEFORE THE PANDEMIC OUTBREAK, OUR EDUCATORS FACILITATED PRESENTATIONS
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF COMPLLIANCE OFFICER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01996
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt03644677
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt05985
IRS990/InsuranceGrp/ProgramServicesAmt073818
IRS990/InsuranceGrp/TotalAmt079803
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt058865
IRS990/LandBldgEquipBasisNetGrp/BOYAmt098152
IRS990/LandBldgEquipBasisNetGrp/EOYAmt077696
IRS990/LandBldgEquipCostOrOtherBssAmt0136561
IRS990/LegalDomicileStateCd0ID
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0OUR MISSION IS TO PROMOTE FINANCIAL RESPONSIBILITY IN OUR CLIENTS AND COMMUNITY MEMBERS NATIONWIDE. WE ACCOMPLISH THIS THROUGH EDUCATIONAL PROGRAMS, COUNSELING, AND PERSONALIZED SERVICES. WE THUS EMPOWER INDIVIDUALS TO DEVELOP AND USE POSITIVE BUDGETING SKILLS AND EFFECTIVE SPENDING BEHAVIORS, TO USE CREDIT WISELY, AND TO PREVENT, MANAGE, AND ELIMINATE CONSUMER DEBT.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0575530
IRS990/NetAssetsOrFundBalancesEOYAmt0479456
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt011632
IRS990/OccupancyGrp/ProgramServicesAmt0143457
IRS990/OccupancyGrp/TotalAmt0155089
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt014158
IRS990/OfficeExpensesGrp/ProgramServicesAmt0174613
IRS990/OfficeExpensesGrp/TotalAmt0188771
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0PUBLIC AWARENESS AND OU
IRS990/OtherExpensesGrp/Desc1BANK FEES
IRS990/OtherExpensesGrp/Desc2LICENSES
IRS990/OtherExpensesGrp/Desc3TRAINING MATERIALS
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt03815
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt13453
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt22262
IRS990/OtherExpensesGrp/ProgramServicesAmt0430587
IRS990/OtherExpensesGrp/ProgramServicesAmt147047
IRS990/OtherExpensesGrp/ProgramServicesAmt242588
IRS990/OtherExpensesGrp/ProgramServicesAmt327893
IRS990/OtherExpensesGrp/TotalAmt0430587
IRS990/OtherExpensesGrp/TotalAmt150862
IRS990/OtherExpensesGrp/TotalAmt246041
IRS990/OtherExpensesGrp/TotalAmt330155
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0300850
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt01203403
IRS990/OtherSalariesAndWagesGrp/TotalAmt01504253
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt027236
IRS990/PayrollTaxesGrp/ProgramServicesAmt0108944
IRS990/PayrollTaxesGrp/TotalAmt0136180
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt015568
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt013814
IRS990/PrincipalOfficerNm0JOSEPH CESTARO
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0611710
IRS990/ProgramServiceRevenueGrp/Desc0FINANCIAL EDUCATION
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03327122
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03327122
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0314162
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt01516357
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03605149
IRS990/PYRevenuesLessExpensesAmt018478
IRS990/PYSalariesCompEmpBnftPaidAmt02384476
IRS990/PYTotalExpensesAmt03900833
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03919311
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-96074
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt03327122
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0575530
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0479456
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0317555
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0314162
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0320301
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0359132
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0497831
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt01808981
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt03327122
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt03605149
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt03828684
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt03902191
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt03739214
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt018402360
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt020211341
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt03644677
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt03919311
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt04148985
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt04261323
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt04237045
IRS990ScheduleA/Total509Grp/TotalAmt020211341
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt03644677
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt03919311
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt04148985
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt04261323
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt04237045
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt020211341
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt077696
IRS990ScheduleD/EquipmentGrp/DepreciationAmt058865
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0136561
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03740751
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/OtherRevenuesNotIncludedAmt010075
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt010075
IRS990ScheduleD/RevenueSubtotalAmt03634602
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION RECEIVES FUNDS FROM DEBTORS AND HOLDS THE FUNDS IN TRUST UNTIL THEY ARE REMITTED TO THE DEBTOR'S CREDITORS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1OTHER INCOME INCLUDED IN REVENUE 10,075.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt077696
IRS990ScheduleD/TotalExpensesPerForm990Amt03740751
IRS990ScheduleD/TotalRevenuePerForm990Amt03644677
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03634602
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03740751
IRS990ScheduleJ/AnyNonFixedPaymentsInd00
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd00
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd00
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/InitialContractExceptionInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0320166
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1174799
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt09782
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt19782
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOSEPH T CESTARO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1MARK L RIZKOWSKY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CHIEF COMPLLIANCE OFFICER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0329948
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1184581
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A COPY OF THE FORM 990 IS PROVIDED TO ALL MEMBERS OF THE BOARD PRIOR TO FILING THE RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ENFORCEMENT OF CONFLICTS OF INTEREST POLICY - THE DIRECTOR OF HUMAN RESOURCES INQUIRES OF APPLICABLE INDIVIDUALS AS TO THEIR COMPLIANCE WITH THE CONFLICTS OF INTEREST POLICIES ON A REGULAR BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2COMPENSATION PROCESS FOR TOP OFFICIAL - THE BOARD OF DIRECTORS APPOINT A COMPENSATION COMMITTEE. THE COMPENSATION COMMITTEE REVIEWED FORMS 990 FROM COMPARABLE ORGANIZATIONS AND USED ECONOMIC RESEARCH INSTITUTE DATA AND AADMO DATA TO MAKE A RECOMMENDATION TO THE FULL BOARD WHO THEN APPROVED THE RECOMMENDATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3GOVERNING DOCUMENTS DISCLOSURE EXPLANATION - THE ORGANIZATION KEEPS ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, FORM 990, AND FINANCIAL STATEMENTS AT ITS CORPORATE OFFICE AND MAKES THEM AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0OK
IRS990/StatesWhereCopyOfReturnIsFldCd1OR
IRS990/StatesWhereCopyOfReturnIsFldCd2CA
IRS990/StatesWhereCopyOfReturnIsFldCd3NY
IRS990/SubjectToExcsTaxNetInvstIncInd00

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,573,018
Liabilities
$1,093,562
Net assets
$479,456
Revenue
$3,644,677
Expenses
$3,740,751
Net income
-$96,074
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.05$1.01$0.04$2.32$2.36$0.04
2023Summary only. Only limited summary data is available for this year.$1.13$1.05$0.08$2.34$2.79$0.44
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.04$1.52$0.52$2.59$2.94$0.34
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.05$1.15$0.91$3.51$3.08$0.43
2020Detailed filing. Detailed filing data is available for this year.$1.57$1.09$0.48$3.64$3.74$0.10
2020Summary only. Only limited summary data is available for this year.$1.57$1.09$0.48$3.64$3.74$0.10
2019Summary only. Only limited summary data is available for this year.$1.29$0.71$0.58$3.92$3.90$0.02
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.07$0.52$0.56$4.15$4.10$0.05
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.06$0.55$0.51$4.26$3.98$0.28
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.99$0.76$0.23$4.24$3.97$0.27
2015Detailed filing. Detailed filing data is available for this year.$0.86$0.90$0.04$4.24$4.42$0.18
2014Detailed filing. Detailed filing data is available for this year.$1.11$0.97$0.14$4.80$5.31$0.51
2013Detailed filing. Detailed filing data is available for this year.$1.42$0.77$0.65$5.36$5.09$0.27
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.20$0.81$0.38$4.97
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.95$0.82$0.13$4.95
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.21$0.81$0.41$5.08