Civic Intelligence

Spiritual Finance Initiative Inc

EIN 83-2146045 • 501(c)3 • Westport, MA

Profile

The Spiritual Finance Initiative is committed to relieving the pain and suffering that results from financial struggle by transforming our individual, and collective, relationship to money and finance.

PO Box N237Westport, MA 02790

spiritualfinance.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

60th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)3 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

62nd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)3 • <$500k nonprofits • Source year 2025

Net Margin

26th percentile

-15%

Higher net margin than 26% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

88th percentile

$21,001

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 70.6% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

12th percentile

-93%

Faster asset growth than 12% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

19th percentile

-47%

Faster revenue growth than 19% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets60th percentile

Assets

Down

$4,371

Down $61,891 (-93%) from 2024

Liabilities

Flat

$0

Flat from 2024

Net Assets

Down

$4,371

Down $61,891 (-93%) from 2024

Operations
Liabilities / Revenue62nd percentileNet Margin26th percentile

Revenue

Down

$29,766

Down $26,348 (-47%) from 2024

Expenses

Up

$34,333

Up $7,324 (+27%) from 2024

Net Income

Down

-$4,567

Down $33,672 (-116%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$80K$60K$40K$20K$0Assets 2019: $3,429Liabilities 2019: $0Net Assets 2019: $3,4292019Assets 2020: $3,371Liabilities 2020: $0Net Assets 2020: $3,3712020Assets 2021: $13,480Liabilities 2021: $0Net Assets 2021: $13,4802021Assets 2022: $23,216Liabilities 2022: $0Net Assets 2022: $23,2162022Assets 2023: $37,157Liabilities 2023: $0Net Assets 2023: $37,1572023Assets 2024: $66,262Liabilities 2024: $0Net Assets 2024: $66,2622024Assets 2025: $4,371Liabilities 2025: $0Net Assets 2025: $4,3712025

Highlighted filing

2025

Assets$4,371
Liabilities$0
Net Assets$4,371
Open 2025 Filing

Operations Trend

Revenue Growth19th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$60K$40K$20K$0-$20KRevenue 2019: $10,548Expenses 2019: $11,249Net Income 2019: -$7012019Revenue 2020: $28,530Expenses 2020: $26,352Net Income 2020: $2,1782020Revenue 2021: $41,973Expenses 2021: $31,864Net Income 2021: $10,1092021Revenue 2022: $41,251Expenses 2022: $31,515Net Income 2022: $9,7362022Revenue 2023: $41,338Expenses 2023: $27,397Net Income 2023: $13,9412023Revenue 2024: $56,114Expenses 2024: $27,009Net Income 2024: $29,1052024Revenue 2025: $29,766Expenses 2025: $34,333Net Income 2025: -$4,5672025

Highlighted filing

2025

Revenue$29,766
Expenses$34,333
Net Income-$4,567
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,371
Liabilities
$0
Net assets
$4,371
Revenue
$29,766
Expenses
$34,333
Net income
-$4,567
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$4.37$0.00$4.37$29.8$34.3$4.57
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$66.3$0.00$66.3$56.1$27.0$29.1
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.2$0.00$37.2$41.3$27.4$13.9
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.2$0.00$23.2$41.3$31.5$9.74
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.5$0.00$13.5$42.0$31.9$10.1
2020Detailed filing. Detailed filing data is available for this year.$3.37$0.00$3.37$28.5$26.4$2.18
2019Detailed filing. Detailed filing data is available for this year.$3.43$0.00$3.43$10.5$11.2$0.70
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 12, 2026
Return Version
2025v4.0
Gross Receipts
$31,584
Mission and Program Overview

Mission

The Spiritual Finance Initiative is committed to relieving the pain and suffering that results from financial struggle by transforming our individual, and collective, relationship to money and finance.

Program Services

DescriptionGrantsExpenses
In 2025, the Spiritual Finance Initiative provided services to adults from North America, South America, Europe, and beyond, via no-cost-to-participant Class Series, individual and group coaching, and interactive presentations. Participants experienced positive improvement in their relationship with money which was measured through surveys conducted during the Class Series. Participants reported an 80% improvement when rating their satisfaction with their current relationship with money, and a 136% improvement when rating their level of comfort when speaking about money with others.$0$32,061
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kerry CudmorePresident/DirectorPT$21,001-$21,001
Alexandria MauckSecretary/Director/Asst.-$1,800-$1,800
James St PierreTreasurer/Director-$0--
Filing and Contact Details

Filer

Filer Name
Spiritual Finance Initiative Inc
EIN
83-2146045
Phone
5086366549
Address
PO Box N237, Westport, MA 02790

Signing Officer

Name
Kerry Cudmore
Title
President
Phone
5086366549
Signed
2026-02-12
Discuss with paid preparer
Yes

Preparer

Firm
Swift Philanthropy
Address
PO Box 55, Tangerine, FL 32777
Preparer
Melanie Swift Guin MNM
Phone
3212367292
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 16

“Description;Amount^Business Registration Fees;36|Bank Fees;360|Internet;853|Internet Services;1044|Website Hosting and Maintenance;494|Office Machinery;457|Marketing;3121^Total;6365^”

Raw XML Appendix186 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.

Path#Value
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1James St Pierre
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IRS990EZ/OtherExpensesTotalAmt06365
IRS990EZ/OtherRevenueTotalAmt00
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
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IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0The Spiritual Finance Initiative is committed to relieving the pain and suffering that results from financial struggle by transforming our individual, and collective, relationship to money and finance.
IRS990EZ/PrintingPublicationsPostageAmt00
IRS990EZ/ProgramServiceRevenueAmt00
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IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt032061
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IRS990EZ/SchoolOperatingInd00
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IRS990EZ/SpecialEventsNetIncomeLossAmt06302
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IRS990EZ/TotalExpensesAmt034333
IRS990EZ/TotalProgramServiceExpensesAmt032061
IRS990EZ/TotalRevenueAmt029766
IRS990EZ/TransactionWithControlEntInd00
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt031584
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt057911
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt043752
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part I, Line 16
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Kerry Cudmore
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum05086366549
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SPIRITUAL FINANCE INITIATIVE INC
ReturnHeader/Filer/BusinessNameControlTxt0SPIR
ReturnHeader/Filer/EIN0832146045
ReturnHeader/Filer/PhoneNum05086366549
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box N237
ReturnHeader/Filer/USAddress/CityNm0Westport
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd002790
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0844264876
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Swift Philanthropy
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO Box 55
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Tangerine
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd032777
ReturnHeader/PreparerPersonGrp/PhoneNum03212367292
ReturnHeader/PreparerPersonGrp/PreparationDt02026-02-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Melanie Swift Guin MNM
ReturnHeader/ReturnTs02026-02-12T11:33:05-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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