Liabilities / Assets
98th percentile
Higher debt load relative to assets than 98% of similar nonprofits.
Twelve Points Academy Incorporated
EIN 93-3396209 • 501(c)3 • Concord, MA
NTEE B90
Profile
Twelve points academy is a non-profit educational organization that offers programs and courses related to financial topics, ranging from the basics of financial literacy to advanced market concepts.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
7.52x
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on the latest valid filing.
Top Officer Pay
79th percentile
Higher top officer pay than 79% of similar nonprofits.
Asset Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
$2,500
No earlier filing loaded for comparison.
Liabilities
$18,791
No earlier filing loaded for comparison.
Net Assets
-$16,291
No earlier filing loaded for comparison.
Revenue
$0
No earlier filing loaded for comparison.
Expenses
$16,291
No earlier filing loaded for comparison.
Net Income
-$16,291
No earlier filing loaded for comparison.
Trend Graphs
Filings
Most recent year
2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $2,500
- Liabilities
- $18,791
- Net assets
- -$16,291
- Revenue
- $0
- Expenses
- $16,291
- Net income
- -$16,291
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to Dec 31, 2024
- Signed
- Sep 17, 2025
- Return Version
- 2024v5.2
- Gross Receipts
- $0
Mission and Program Overview
Mission
Twelve points academy is a non-profit educational organization that offers programs and courses related to financial topics, ranging from the basics of financial literacy to advanced market concepts.
Program Services
| Description | Grants | Expenses |
|---|---|---|
| WORK WITH ORGANIZATIONS, SCHOOLS, AND OTHER INSTITUTIONS TO ADVANCE FINANCIAL LITERACY EDUCATION IN INDIVIDUALS OF ALL AGES. | $0 | $0 |
| DEVELOP FINANCIAL LITERACY EDUCATION MATERIALS AND RESOURCES FOR ORGANIZATIONS,SCHOOLS, AND OTHER INSTITUTIONS TO USE TO ADVANCE FINANCIAL LITERACY. | $0 | $0 |
| DELIVER FINANCIAL LITERACY EDUCATION TO INDIVIDUALS AND COMMUNITIES, ESPECIALLY STUDENTS. | $0 | $0 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| DAVID CLAYMAN | President | - | $0 | - | - |
| TERRI DEFINA | Treasurer | - | $0 | - | - |
| JOSEPH BELSANTI | Clerk | - | $0 | - | - |
| FRANCESCA FEDERICO | Director | - | $0 | - | - |
| JOHN DEFINA | Director | - | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- Twelve Points Academy Incorporated
- EIN
- 93-3396209
- Phone
- 9783189500
- Address
- 9 POND LANE STE 3A, CONCORD, MA 01742
Signing Officer
- Name
- David Clayman
- Title
- President
- Phone
- 9783189500
- Signed
- 2025-09-17
- Discuss with paid preparer
- Yes
Preparer
- Firm
- Waldron H Rand & Co Pc
- Address
- 850 WASHINGTON STREET SUITE 200, DEDHAM, MA 02026
- Preparer
- Brian Dlugasch
- Phone
- 7814495825
Supplemental Narrative
Additional Explanations
Form 990-ez, Part I, Line 16 - Other Expenses
“Description: merketing expense. Amount: 7,580. Description: promotional expense. Amount: 1,701. Description: computer equipment expenses. Amount: 1,422. Description: software license expense. Amount: 383. Description: dues and subscriptions. Amount: 2. Description: business licenses and permits. Amount: 1,800. Description: meals. Amount: 1,152. Description: office expense. Amount: 1,022. Description: payroll processing. Amount: 619. Description: travel. Amount: 517. Description: compliance fees. Amount: 19. Total to form 990-ez, line 16: 16,217.”
Form 990-ez, Part II, Line 26 - Other Liabilities
“Description: due to affiliate. Beg. Of year amount: 0. End of year amount: 18,251. Description: accrued expenses. Beg. Of year amount: 0. End of year amount: 540.”
Raw XML Appendix144 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/USAddress/CityNm | 0 | STOW |
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| IRS990EZ/FiledScheduleAInd | 0 | 1 |
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| IRS990EZ/ForeignOfficeInd | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 2500 |
| IRS990EZ/GrossReceiptsAmt | 0 | 0 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartVInd | 0 | X |
| IRS990EZ/InitialReturnInd | 0 | X |
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| IRS990EZ/MadeLoansToFromOfficersInd | 0 | 0 |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
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| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
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| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | DAVID CLAYMAN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | TERRI DEFINA |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | JOSEPH BELSANTI |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | FRANCESCA FEDERICO |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | JOHN DEFINA |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | CLERK |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | DIRECTOR |
| IRS990EZ/OperateHospitalInd | 0 | 0 |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | 0 |
| IRS990EZ/OrganizationHadUBIInd | 0 | 0 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 16217 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | TWELVE POINTS ACADEMY IS A NON-PROFIT EDUCATIONAL ORGANIZATION THAT OFFERS PROGRAMS AND COURSES RELATED TO FINANCIAL TOPICS, RANGING FROM THE BASICS OF FINANCIAL LITERACY TO ADVANCED MARKET CONCEPTS. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | WORK WITH ORGANIZATIONS, SCHOOLS, AND OTHER INSTITUTIONS TO ADVANCE FINANCIAL LITERACY EDUCATION IN INDIVIDUALS OF ALL AGES. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 1 | DEVELOP FINANCIAL LITERACY EDUCATION MATERIALS AND RESOURCES FOR ORGANIZATIONS,SCHOOLS, AND OTHER INSTITUTIONS TO USE TO ADVANCE FINANCIAL LITERACY. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 2 | DELIVER FINANCIAL LITERACY EDUCATION TO INDIVIDUALS AND COMMUNITIES, ESPECIALLY STUDENTS. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 1 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 2 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 1 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 2 | 0 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | 0 |
| IRS990EZ/StatesWhereCopyOfReturnIsFldCd | 0 | MA |
| IRS990EZ/SubjectToProxyTaxInd | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 18791 |
| IRS990EZ/TanningServicesProvidedInd | 0 | 0 |
| IRS990EZ/TaxImposedOnOrganizationMgrAmt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4911Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4912Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4955Amt | 0 | 0 |
| IRS990EZ/TaxReimbursedByOrganizationAmt | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 16291 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 0 |
| IRS990EZ/TotalRevenueAmt | 0 | 0 |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | 0 |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | WWW.TWELVEPOINTSACADEMY.ORG |
| IRS990ScheduleA/First5Years170Ind | 0 | X |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt | 0 | 0 |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportTotal170Amt | 0 | 0 |
| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/TotalSupportAmt | 0 | 0 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DESCRIPTION: MERKETING EXPENSE. AMOUNT: 7,580. DESCRIPTION: PROMOTIONAL EXPENSE. AMOUNT: 1,701. DESCRIPTION: COMPUTER EQUIPMENT EXPENSES. AMOUNT: 1,422. DESCRIPTION: SOFTWARE LICENSE EXPENSE. AMOUNT: 383. DESCRIPTION: DUES AND SUBSCRIPTIONS. AMOUNT: 2. DESCRIPTION: BUSINESS LICENSES AND PERMITS. AMOUNT: 1,800. DESCRIPTION: MEALS. AMOUNT: 1,152. DESCRIPTION: OFFICE EXPENSE. AMOUNT: 1,022. DESCRIPTION: PAYROLL PROCESSING. AMOUNT: 619. DESCRIPTION: TRAVEL. AMOUNT: 517. DESCRIPTION: COMPLIANCE FEES. AMOUNT: 19. TOTAL TO FORM 990-EZ, LINE 16: 16,217. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | DESCRIPTION: DUE TO AFFILIATE. BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 18,251. DESCRIPTION: ACCRUED EXPENSES. BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 540. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES |
| TransferPrsnlBnftContractsDecl/DeclarationDesc | 0 | THE 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/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | DAVID CLAYMAN |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 9783189500 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-09-17 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | TWELVE POINTS ACADEMY INCORPORATED |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | TWEL |
| ReturnHeader/Filer/EIN | 0 | 933396209 |
| ReturnHeader/Filer/PhoneNum | 0 | 9783189500 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 9 POND LANE STE 3A |
| ReturnHeader/Filer/USAddress/CityNm | 0 | CONCORD |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MA |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 01742 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | 1 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 042759781 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | WALDRON H RAND & CO PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 850 WASHINGTON STREET SUITE 200 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | DEDHAM |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 02026 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 7814495825 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | BRIAN DLUGASCH |
| ReturnHeader/ReturnTs | 0 | 2025-09-18T08:19:48-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
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