INVEST FOR BETTER INC

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2006

Legal Domicile

Principal Officer

Janine Firpo

Phone

5106558558

Tax Period

2024-01-01 to 2024-12-31

INVEST FOR BETTER INC, founded in 2006, is a small nonprofit in the Community Improvement sector that reported $599K in total revenue in fiscal year 2024. Revenue decreased 14% compared to the prior year. Expenses of $543K left a modest 9% surplus.

Mission

Invest for Better provides values-aligned financial education to women in the US and globally. We are reducing the wealth gap by providing the knowledge and support women need to become confident investors, and we show them how to transform their relationship with money by investing in the things they care about.

Program Service Accomplishments

Program 1

Expenses: $420,399 Revenue: $33,374

We trained 32 volunteer Circle leaders who facilitated 23 Circles with 210 women. We conducted 7 Deep Dive courses with over 100 registrants and offered 35 on-line webinars to over 700 registrants...

We trained 32 volunteer Circle leaders who facilitated 23 Circles with 210 women. We conducted 7 Deep Dive courses with over 100 registrants and offered 35 on-line webinars to over 700 registrants. We grew our email list and Linked in followership by over 40%. To expand our reach and help more women align their investments with their values, we launched our first Regional Hub in Philadelphia, and designed a new Shifting Wealth, Strengthening Futures program.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $564,651

Program Service Revenue $33,374

Investment Income $1,250

Other Revenue $0

TOTAL REVENUE $599,275

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $59,619

Program Expenses $420,399

Other Expenses $542,766

TOTAL EXPENSES $542,766

Year-over-Year Comparison

	2024	2023	Change
Revenue	$599,275	$698,732	-0.1%
Expenses	$542,766	$291,681	+0.9%
Net Income	$56,509	$407,051	-0.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✓ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Janine Firpo	President	40	Officer Director	$0	$0	$0
Ellen Remmer	Secretary and Treasurer	20	Officer Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$599,275	$542,766	$635,122	$56,509
2023	$698,732	$291,681	$601,424	$407,051