Civic Intelligence

Live Life Fully Foundation Inc

EIN 84-5095297 • 501(c)3 • Chelmsford, MA

Pub. 78 Eligible990-N CoverageNTEE T50

Profile

To provide opportunities and help build financial literacy for people to chart a path to financial security

300 Apollo DriveChelmsford, MA 01824

livelifefullyfoundation.org

Siviq Scores

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

Liabilities / Assets

77th percentile

0.00x

Higher debt load relative to assets than 77% of similar nonprofits.

NTEE T50 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

82nd percentile

0.02x

Higher debt load relative to revenue than 82% of similar nonprofits.

NTEE T50 • <$500k nonprofits • Source year 2024

Net Margin

5th percentile

-220%

Higher net margin than 5% of similar nonprofits.

NTEE T50 • <$500k nonprofits • Source year 2024

Top Officer Pay

94th percentile

$0

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

NTEE T50 • <$500k nonprofits • Source year 2024

Asset Growth

38th percentile

-4.8%

Faster asset growth than 38% of similar nonprofits.

NTEE T50 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

8th percentile

-97%

Faster revenue growth than 8% of similar nonprofits.

NTEE T50 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets77th percentile

Assets

Down

$217,099

Down $10,867 (-4.8%) from 2023

Liabilities

Up

$100

Up $100 from 2023

Net Assets

Down

$216,999

Down $10,967 (-4.8%) from 2023

Operations
Liabilities / Revenue82nd percentileNet Margin5th percentile

Revenue

Down

$4,996

Down $145,652 (-97%) from 2023

Expenses

Down

$15,963

Down $2,991 (-16%) from 2023

Net Income

Down

-$10,967

Down $142,661 (-108%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth38th percentile

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

$300K$200K$100K$0Assets 2023: $227,966Liabilities 2023: $0Net Assets 2023: $227,9662023Assets 2024: $217,099Liabilities 2024: $100Net Assets 2024: $216,9992024

Highlighted filing

2024

Assets$217,099
Liabilities$100
Net Assets$216,999
Open 2024 Filing

Operations Trend

Revenue Growth8th percentile

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

$200K$150K$100K$50K$0-$50KRevenue 2023: $150,648Expenses 2023: $18,954Net Income 2023: $131,6942023Revenue 2024: $4,996Expenses 2024: $15,963Net Income 2024: -$10,9672024

Highlighted filing

2024

Revenue$4,996
Expenses$15,963
Net Income-$10,967
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$217,099
Liabilities
$100
Net assets
$216,999
Revenue
$4,996
Expenses
$15,963
Net income
-$10,967
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.17$0.00$2.17$0.05$0.16$0.11
2023Detailed filing. Detailed filing data is available for this year.$2.28$0.00$2.28$1.51$0.19$1.32
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 22, 2025
Return Version
2024v5.2
Gross Receipts
$4,996
Mission and Program Overview

Mission

To provide opportunities and help build financial literacy for people to chart a path to financial security

Program Services

DescriptionGrantsExpenses
CREATING A SCHOLARSHIP FUND IN MEMORY OF JUDITH BRANDT$10,000$0
DONATING TO VIRGINIA COMMONWEALTH SCHOOL OF MEDICINE IN MEMORY OF PREVIOUS BOARD MEMEBR$5,000$0
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
BEVERLY TUMATreasurer-$0--
PATRICIA TESMANSecretary-$0--
CHRISTINE PRUNIERPresident-$0--
Filing and Contact Details

Filer

Filer Name
Live Life Fully Foundation Inc
EIN
84-5095297
Phone
8004312754
Address
300 APOLLO DRIVE, CHELMSFORD, MA 01824

Signing Officer

Name
Beverly Tuma
Title
Treasurer
Phone
8004312754
Signed
2025-09-22
Discuss with paid preparer
Yes

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Megan Mccandlish CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 8 - Other Revenue

“Description: interest income. Amount: 428.”

Form 990-ez, Part I, Line 16 - Other Expenses

“Description: programming expense. Amount: 713.”

Form 990-ez, Part II, Line 26 - Other Liabilities

“Description: due to usalliance. Beg. Of year amount: 0. End of year amount: 100.”

Raw XML Appendix156 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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IRS990EZ/BooksInCareOfDetail/PhoneNum08004312754
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IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0RYE
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IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt0713
IRS990EZ/OtherRevenueTotalAmt0428
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0TO PROVIDE OPPORTUNITIES AND HELP BUILD FINANCIAL LITERACY FOR PEOPLE TO CHART A PATH TO FINANCIAL SECURITY
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0CREATING A SCHOLARSHIP FUND IN MEMORY OF JUDITH BRANDT
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1DONATING TO VIRGINIA COMMONWEALTH SCHOOL OF MEDICINE IN MEMORY OF PREVIOUS BOARD MEMEBR
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt010000
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt15000
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt10
IRS990EZ/ProhibitedTaxShelterTransInd00
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IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
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IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt0723
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportTotal509Amt0259834
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: INTEREST INCOME. AMOUNT: 428.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DESCRIPTION: PROGRAMMING EXPENSE. AMOUNT: 713.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DESCRIPTION: DUE TO USALLIANCE. BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 100.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
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ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-22
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ReturnHeader/PreparerPersonGrp/PreparationDt02025-09-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MEGAN MCCANDLISH CPA
ReturnHeader/ReturnTs02025-09-22T09:10:03-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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