Liabilities / Assets
90th percentile
Higher debt load relative to assets than 90% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
90th percentile
Higher debt load relative to assets than 90% of similar nonprofits.
Liabilities / Revenue
67th percentile
Higher debt load relative to revenue than 67% of similar nonprofits.
Net Margin
30th percentile
Higher net margin than 30% of similar nonprofits.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
86th percentile
Faster asset growth than 86% of similar nonprofits.
Revenue Growth
88th percentile
Faster revenue growth than 88% of similar nonprofits.
Assets
Up$144,203
Up $36,605 (+34%) from 2015
Net Assets
Down$30,348
Down $38,600 (-56%) from 2015
Liabilities
Up$113,855
Up $75,205 (+195%) from 2015
Revenue
Up$944,108
Up $318,464 (+51%) from 2015
Expenses
Down$982,708
Down $109,902 (-10%) from 2015
Net Income
Up-$38,600
Up $428,366 (+92%) from 2015
Our mission is to empower people to transform their financial futures. We do this through our three primary program areas of financial coaching, financial education, and debt management.
Financial education, coaching and debt management services for individuals, families, and the general public.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Accounts Receivable | $43,868 | $96,148 | ▲ $52,280 |
| Savings and Temporary Cash Investments | $20,218 | $20,082 | ▼ $136 |
| Land, Buildings, and Equipment, Net | $19,770 | $13,344 | ▼ $6,426 |
| Prepaid Expenses and Deferred Charges | $17,723 | $11,990 | ▼ $5,733 |
| Intangible Assets | $5,619 | $2,365 | ▼ $3,254 |
| Cash and Non-Interest-Bearing Accounts | $400 | $274 | ▼ $126 |
| 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 | - |
| Inventories for Sale or Use | - | $0 | - |
| Total Assets | $107,598 | $144,203 | ▲ $36,605 |
| Other Assets Total | - | $0 | - |
| Liabilities | |||
| Mortgage Notes Payable Secured by Investment Property | - | $83,192 | - |
| Other Liabilities | $25,305 | $16,325 | ▼ $8,980 |
| Accounts Payable and Accrued Expenses | $13,345 | $14,338 | ▲ $993 |
| Total Liabilities | $38,650 | $113,855 | ▲ $75,205 |
| Net Assets / Fund Balance | |||
| Unrestricted Net Assets | $38,742 | $30,348 | ▼ $8,394 |
| Temporarily Rstr Net Assets | $30,206 | - | - |
| Total Net Assets Fund Balance | $68,948 | $30,348 | ▼ $38,600 |
| Total Liabilities and Net Assets / Fund Balance | $107,598 | $144,203 | ▲ $36,605 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $10,902 | $18,019 | $28,921 |
| Leasehold Improvements | $2,352 | $15,844 | $18,196 |
| Other Land Buildings | $90 | $5,339 | $5,429 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Chad Gentry | Executive Director | FT | $76,420 | $76,420 |
| Name | Title |
|---|---|
| Nancy A Harvey | Board Chair |
| Christina Frantz | Vice Chair |
| Angela Sasseville | Director |
| Christopher Brunson | Director |
| Evelyn Cartagena-Meyer | Director |
| Heidi Mingo | Director |
| Jacob Hymes | Director |
| James Perez Foster | Director |
| Ken Navarro | Director |
| Marie Peters | Director |
| Sean Koutsakis | Director |
| Debbie Kirkpatrick | Secretary |
| Drew Bauer | Treasurer |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $791,548 |
| Other Expenses | $191,160 |
| Total Fundraising Expense | $105,951 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $495,422 | $62,992 | $49,309 | $607,723 |
| Current Officers, Directors, Trustees, and Key Employees | $38,210 | $19,105 | $19,105 | $76,420 |
| Fees for Services Other | $45,186 | $940 | $12,783 | $58,909 |
| Payroll Taxes | $42,427 | $6,527 | $5,440 | $54,394 |
| Other Employee Benefits | $35,764 | $5,502 | $4,585 | $45,851 |
| Occupancy | $26,956 | $4,147 | $3,456 | $34,559 |
| Conferences and Meetings | $15,495 | - | - | $15,495 |
| Office Expenses | $11,318 | $1,741 | $1,451 | $14,510 |
| Travel | $7,842 | $3,590 | $2,992 | $14,424 |
| Depreciation Depletion | $10,242 | $1,576 | $1,313 | $13,131 |
| Information Technology | $9,679 | $1,488 | $1,241 | $12,408 |
| Fees for Services Accounting | $9,266 | $1,426 | $1,188 | $11,880 |
| Insurance | $5,819 | $895 | $746 | $7,460 |
| Pension Plan Contributions | $5,585 | $859 | $716 | $7,160 |
| Advertising | $2,630 | $1,314 | $1,314 | $5,258 |
| Other Expenses | $2,439 | $375 | $312 | $3,126 |
| Total Functional Expenses | $764,280 | $112,477 | $105,951 | $982,708 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $982,708 |
| Total Expenses per Audited Statements | $982,708 |
| Total Expenses per Form 990 | $982,708 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | - | $0 | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $0 | - |
| Liability | Amount |
|---|---|
| Accrued compensated absences | $13,563 |
| Deferred rent charges | $2,762 |
“Reviewed in detail and accepted by Executive Committee of Board of Directors prior to actual filing.”
“Reviewed in detail annually with all directors.”
“Executive Director - Reviewed annually by Board of Directors using data compiled from survey of over 400 nonprofits within the state as compiled by the Colorado Non-profit Association.”
“Furnished upon receipt of writtten request and a nominal fee for the costs of copying, handling and postage.”
“Client Note 1 - Schedule A Part Iv-A, lns 27a and 27b Notice Re: Payments from Disqualified Persons and Excess Payments from Nondisqualified PersonsYou are required by the IRS to keep this form in your records in case you are ever audited. However, it is not considered an actual part of your tax return. Therefore, you should keep it separately in your files, and not provide it to anyone who asks for a copy of your Form 990.”
“The Organization is exempt from federal and state income taxes and believes it has complied with all requirements necessary to maintain its status.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 13345 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 14338 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 43868 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 96148 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | Financial education, coaching and debt management services for individuals, families, and the general public. |
| IRS990/AdvertisingGrp/FundraisingAmt | 0 | 1314 |
| IRS990/AdvertisingGrp/ManagementAndGeneralAmt | 0 | 1314 |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 2630 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 5258 |
| IRS990/AllAffiliatesIncludedInd | 0 | false |
| IRS990/AllOtherContributionsAmt | 0 | 309132 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 0 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Jane Gallagher |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 3032332773 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 2009 Wadsworth Blvd Ste 200 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Lakewood |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | CO |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 80214 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 400 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 274 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt | 0 | 19105 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 19105 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 38210 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 76420 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 15495 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 15495 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 734599 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 57 |
| IRS990/CYOtherExpensesAmt | 0 | 191160 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 209452 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -38600 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 791548 |
| IRS990/CYTotalExpensesAmt | 0 | 982708 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 105951 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 944108 |
| IRS990/DAFExcessBusinessHoldingsInd | 0 | false |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/FundraisingAmt | 0 | 1313 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 1576 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 10242 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 13131 |
| IRS990/Desc | 0 | Coaching and Debt Management:Provide a Debt Management Program for clients so they can become financially independent. Provide one on one financial coaching to individuals and families to help them achieve their personally defined financial goals.# served in 2016: 3,121. |
| IRS990/DescribedInSection501c3Ind | 0 | true |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DistributionToDonorInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | false |
| IRS990/EmployeeCnt | 0 | 19 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990/EscrowAccountInd | 0 | false |
| IRS990/ExpenseAmt | 0 | 599483 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/FundraisingAmt | 0 | 1188 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 1426 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 9266 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 11880 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/FundraisingAmt | 0 | 12783 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 940 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 45186 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 58909 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form1098CFiledInd | 0 | false |
| IRS990/Form8282FiledCnt | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | false |
| IRS990/Form8899Filedind | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 10 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 11 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 12 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 13 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 10 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 11 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 12 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Christina Frantz |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Marie Peters |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Angela Sasseville |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Drew Bauer |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Debbie Kirkpatrick |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Jacob Hymes |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Ken Navarro |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Nancy A Harvey |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Heidi Mingo |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Christopher Brunson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Evelyn Cartagena-Meyer |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | James Perez Foster |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | Sean Koutsakis |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | Chad Gentry |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 76420 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Vice Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Board Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | Executive Dir. |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/Form990TFiledInd | 0 | false |
| IRS990/FormationYr | 0 | 2001 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 13 |
| IRS990/GovernmentGrantsAmt | 0 | 425467 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 944108 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | true |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | true |
| IRS990/IndependentVotingMemberCnt | 0 | 13 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/FundraisingAmt | 0 | 1241 |
| IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt | 0 | 1488 |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 9679 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 12408 |
| IRS990/InsuranceGrp/FundraisingAmt | 0 | 746 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 895 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 5819 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 7460 |
| IRS990/IntangibleAssetsGrp/BOYAmt | 0 | 5619 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 2365 |
| IRS990/InterestGrp/TotalAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 57 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 57 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/InvestTaxExemptBondsInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 1 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/JointCostsInd | 0 | X |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 39202 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 19770 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 13344 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 52546 |
| IRS990/LegalDomicileStateCd | 0 | CO |
| IRS990/LicensedMoreThanOneStateInd | 0 | false |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LobbyingActivitiesInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | false |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | Financial education, coaching and debt management services for individuals, families, and the general public. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 83192 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 68948 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 30348 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/FundraisingAmt | 0 | 3456 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 4147 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 26956 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 34559 |
| IRS990/OfficeExpensesGrp/FundraisingAmt | 0 | 1451 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 1741 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 11318 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 14510 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OnBehalfOfIssuerInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsSFAS117Ind | 0 | X |
| IRS990/OrgFiledInLieuOfForm1041Ind | 0 | false |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 4585 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 5502 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 35764 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 45851 |
| IRS990/OtherExpensesGrp/Desc | 0 | Dues and licenses |
| IRS990/OtherExpensesGrp/FundraisingAmt | 0 | 312 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 375 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 2439 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 3126 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 25305 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 16325 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 49309 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 62992 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 495422 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 607723 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 0 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | false |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 5440 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 6527 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 42427 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 54394 |
| IRS990/PensionPlanContributionsGrp/FundraisingAmt | 0 | 716 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 859 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 5585 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 7160 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 17723 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 11990 |
| IRS990/PrincipalOfficerNm | 0 | Marie Peters |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Bankruptcy education |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Client fees - coaching |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Client fees - Debt Mgt |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | Contract fee for service |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 9628 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 30050 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 63808 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 105966 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 9628 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 30050 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 63808 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 105966 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Financial education and outreach:Provide financial education workshops to the general public on topics ranging from how to sustain a debt free lifestyle to how to balance a checkbook. In 2016, 3,121 attendees participated in workshops. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 164797 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 57050 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYContributionsGrantsAmt | 0 | 391365 |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 310 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 268670 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 233969 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -466966 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 823940 |
| IRS990/PYTotalExpensesAmt | 0 | 1092610 |
| IRS990/PYTotalRevenueAmt | 0 | 625644 |
| IRS990/QuidProQuoContributionsInd | 0 | false |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | false |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -38600 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RevenueAmt | 0 | 152402 |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 20218 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 20082 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt | 0 | 734599 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt | 0 | 391365 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 980344 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 450529 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 714661 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt | 0 | 3271498 |
| IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt | 0 | 57 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt | 0 | 310 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 372 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 490 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 190 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt | 0 | 1419 |
| IRS990ScheduleA/OtherIncome170Grp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY170Pct | 0 | 0.56060 |
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Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.