Civic Intelligence

Futureplan Financial

EIN 88-2996187 • Melbourne, FL

NTEE P51
Melbourne, FL
Siviq Scores

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

Liabilities / Assets

73rd percentile

0.04x

Higher debt load relative to assets than 73% of similar nonprofits.

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

Liabilities / Revenue

77th percentile

0.03x

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

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

Net Margin

79th percentile

39%

Higher net margin than 79% of similar nonprofits.

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

Top Officer Pay

86th percentile

$7,867

Higher top officer pay than 86% of similar nonprofits.

Top officer pay equals 40.1% of source-year revenue.

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

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2024

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2024

Balance Sheet
Liabilities / Assets73rd percentile

Assets

$17,403

No earlier filing loaded for comparison.

Liabilities

$680

No earlier filing loaded for comparison.

Net Assets

$16,723

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue77th percentileNet Margin79th percentile

Revenue

$19,620

No earlier filing loaded for comparison.

Expenses

$12,014

No earlier filing loaded for comparison.

Net Income

$7,606

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset GrowthScore unavailable

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

$20K$15K$10K$5.0K$0Assets 2024: $17,403Liabilities 2024: $680Net Assets 2024: $16,7232024

Highlighted filing

2024

Assets$17,403
Liabilities$680
Net Assets$16,723
Open 2024 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$20K$15K$10K$5.0K$0Revenue 2024: $19,620Expenses 2024: $12,014Net Income 2024: $7,6062024

Highlighted filing

2024

Revenue$19,620
Expenses$12,014
Net Income$7,606
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZXML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$17,403
Liabilities
$680
Net assets
$16,723
Revenue
$19,620
Expenses
$12,014
Net income
$7,606
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.4$0.68$16.7$19.6$12.0$7.61
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Dec 31, 2024
Signed
Apr 26, 2025
Return Version
2024v5.0
Gross Receipts
$19,620
Mission and Program Overview

Mission

Provide personalized financial education, budget coaching, and investment advice to low to moderate income households.

Program Services

DescriptionGrantsExpenses
In 2024, 14 moderate income households received up to 6 months of 4-hours-a-month of personalized coaching, financial planning, and investment advice provided by a trained fiduciary; 7 of those households receiving service during the six months of the July 1-December 31 reporting period.$0$10,112
FuturePlan Financial offers one-hour money management seminars to the public at no cost. From July 1 to December 31, 2024, we offered 6 seminars that benefitted 66 participants.$0$233
Compensation and Service Providers
Top Officer Pay86th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael CareyExecutive Director, SecretaryPT$7,867-$7,867
Jonathan CronkhiteDirector-$0--
Tom KirkDirector, Chairman-$0--
Pat ShankleDirector, Vice Chair-$0--
Wally SchillingDirector, Treasurer-$0--
Charles DemmingsDirector-$0--
Filing and Contact Details

Filer

Filer Name
Futureplan Financial
EIN
88-2996187
Phone
3213453778
Address
2130 Cedarwood Drive, Melbourne, FL 32935

Signing Officer

Name
Michael Carey
Title
Executive Director
Phone
3217955370
Signed
2025-04-26
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 16

“The Line 16 "Other Expenses" were small and miscellaneous in nature.”

Form 990-EZ, Part II, Line 26

“The only liability was the credit card balance.”

Raw XML Appendix189 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/BenefitsPaidToOrForMembersAmt00
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IRS990EZ/BooksInCareOfDetail/PhoneNum03212559238
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt02948 Wyndham Way
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Melbourne
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd032935
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt09547
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt017403
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt017720
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/EngagedInExcessBenefitTransInd00
IRS990EZ/ExcessOrDeficitForYearAmt07606
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt02483
IRS990EZ/FiledScheduleAInd01
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form1120PolFiledInd00
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IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GamingGrossIncomeAmt00
IRS990EZ/GrantsAndSimilarAmountsPaidAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt019620
IRS990EZ/GrossSalesOfInventoryAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt00
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/LobbyingActivitiesInd00
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IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt09117
IRS990EZ/NetAssetsOrFundBalancesEOYAmt016723
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IRS990EZ/OccupancyRentUtltsAndMaintAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt030
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt10.5
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt23
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt30.5
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt50.50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt07867
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Michael Carey
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Jonathan Cronkhite
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Tom Kirk
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Pat Shankle
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4Wally Schilling
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5Charles Demmings
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Executive Director, Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Director, Chairman
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Director, Vice Chair
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Director, Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Director
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt01444
IRS990EZ/OtherRevenueTotalAmt00
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0Provide personalized financial education, budget coaching, and investment advice to low to moderate income households.
IRS990EZ/PrintingPublicationsPostageAmt0220
IRS990EZ/ProgramServiceRevenueAmt01900
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0In 2024, 14 moderate income households received up to 6 months of 4-hours-a-month of personalized coaching, financial planning, and investment advice provided by a trained fiduciary; 7 of those households receiving service during the six months of the July 1-December 31 reporting period.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1FuturePlan Financial offers one-hour money management seminars to the public at no cost. From July 1 to December 31, 2024, we offered 6 seminars that benefitted 66 participants.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt10
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt010112
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt1233
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/SalariesOtherCompEmplBnftAmt07867
IRS990EZ/SaleOfAssetsGrossAmt00
IRS990EZ/SchoolOperatingInd00
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0FL
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0430
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0680
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt012014
IRS990EZ/TotalProgramServiceExpensesAmt010345
IRS990EZ/TotalRevenueAmt019620
IRS990EZ/TransactionWithControlEntInd00
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0futureplanfinancial.com
IRS990ScheduleA/CommunityTrustInd0X
IRS990ScheduleA/First5Years170Ind0X
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0Subscription fees for households receiving personalized financial coaching and investment advice.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0Schedule A, Part II, Line 10
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt017720
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt021225
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt07500
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt046445
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearAmt00
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt00
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt01900
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt02440
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt0480
IRS990ScheduleA/OtherIncome170Grp/TotalAmt04820
IRS990ScheduleA/PublicSupportTotal170Amt046445
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IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt021225
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt07500
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt046445
IRS990ScheduleA/TotalSupportAmt051265
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearAmt00
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Line 16 "Other Expenses" were small and miscellaneous in nature.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The only liability was the credit card balance.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990-EZ, Part II, Line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Michael Carey
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Executive Director
ReturnHeader/BusinessOfficerGrp/PhoneNum03217955370
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FUTUREPLAN FINANCIAL
ReturnHeader/Filer/BusinessNameControlTxt0FUTU
ReturnHeader/Filer/EIN0882996187
ReturnHeader/Filer/PhoneNum03213453778
ReturnHeader/Filer/USAddress/AddressLine1Txt02130 Cedarwood Drive
ReturnHeader/Filer/USAddress/CityNm0Melbourne
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd032935
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02025-04-26T14:57:21-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-07-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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