WELL SPOUSE ASSOCIATION

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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

1988

Legal Domicile

Principal Officer

ROBERT MASTROGIOVANNI

Phone

7325778899

Tax Period

2025-01-01 to 2025-12-31

WELL SPOUSE ASSOCIATION, founded in 1988, is a small nonprofit that reported $244K in total revenue in fiscal year 2025. The organization ran a surplus of $174K, a strong 71% operating margin.

Mission

SUPPORT OF SPOUSES AND PARTNERS OF THE CHRONICALLY ILL OR DISABLED. NATIONAL TRAINING CONFERENCE AND MONTHLY SUPPORT GROUP MEETINGS AND QUARTERLY NEWSLETTER AND MANY ACTIVITIES.

Program Service Accomplishments

Program 1

Expenses: $14,873 Revenue: $12,625

A QUARTERLY NEWSLETTER IS PUBLISHED FOR APPROXIMATELY 600 MEMBERS, PROFESSIONALS AND SPOUSES. MEMBERS AND GUESTS AND PROFESSIONALS PUBLISH ARTICLES FOR THE CAREGIVING COMMUNITY. OUTREACH SERVICES ARE PROVIDED TO THE CAREGIVING COMMUNITY THROUGH PRINTED MATERIALS, INTERNET SERVICES AND OTHER SERVICES FOR THE CAREGIVERS. MAILINGS AND COMMUNICATIONS ARE SENT TO OUR MEMBERSHIP BASE AND THE COMMUNITY AT LARGE. SOCIAL MEDIA IS USED TO COMMUNICATE WITH OUR MEMBERSIP BASE.

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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 (2025)

Revenue Breakdown

Contributions & Grants $222,204

Program Service Revenue $12,625

Investment Income $8,720

Other Revenue $901

TOTAL REVENUE $244,450

Expense Breakdown

Grants Paid $0

Salaries & Benefits $19,495

Fundraising Expenses $1,500

Program Expenses $14,873

Other Expenses $50,644

TOTAL EXPENSES $70,139

Year-over-Year Comparison

	2025	2024	Change
Revenue	$244,450	N/A	N/A
Expenses	$70,139	N/A	N/A
Net Income	$174,311	N/A	N/A

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

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
BARRY APPELBAUM	DIRECTOR	10.00	Director	$0	$0	$0
GERALD BISHOP	CHAIRMAN	15.00	Officer Director	$0	$0	$0
AL KOZIN	TREASURER	15.00	Officer Director	$0	$0	$0
JANE LUPO	DIRECTOR	4.00	Director	$0	$0	$0
ROBERT MASTROGIOVANNI	PRESIDENT	25.00	Officer Director	$0	$0	$0
KIM SMITS	DIRECTOR	4.00	Director	$0	$0	$0
LYNN STEFANOWICZ	SECRETARY	10.00	Officer Director	$0	$0	$0
LAUREL WITTMAN	DIRECTOR	4.00	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
2025	$244,450	$70,139	$391,400	$174,311