Evergreen Financial Counseling

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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

2010

Legal Domicile

Principal Officer

Philip Tirone

Phone

6098052240

Tax Period

2024-01-01 to 2024-12-31

Evergreen Financial Counseling, founded in 2010, is a small nonprofit in the Human Services sector that reported $523K in total revenue in fiscal year 2024. Revenue surged 643% from the prior year, signaling strong growth momentum. The organization ran a surplus of $150K, a strong 29% operating margin.

Mission

We believe each person is priceless, regardless of how much money they have or owe. By teaching true worth, in addition to providing non-judgemental counseling and financial education, we can support individuals in their journey toward personal growth and financial empowerment through financial counseling

Program Service Accomplishments

Program 1

Expenses: $352,147 Revenue: $523,239

Credit and Debit counseling and education services

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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 $0

Program Service Revenue $523,239

Investment Income $0

Other Revenue $0

TOTAL REVENUE $523,239

Expense Breakdown

Grants Paid $0

Salaries & Benefits $73,656

Fundraising Expenses $5,555

Program Expenses $352,147

Other Expenses $299,318

TOTAL EXPENSES $372,974

Year-over-Year Comparison

	2024	2023	Change
Revenue	$523,239	$70,450	+6.4%
Expenses	$372,974	$121,171	+2.1%
Net Income	$150,265	$-50,721	-4.0%

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

$73,656

Total Directors