EMBRACE LIVING DEVELOPMENT

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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

1990

Legal Domicile

Principal Officer

ANNE OLIVA

Phone

6305218701

Tax Period

2023-01-01 to 2023-12-31

EMBRACE LIVING DEVELOPMENT, founded in 1990, is a mid-sized nonprofit in the Philanthropy & Grantmaking sector that reported $14.3M in total revenue in fiscal year 2023. Revenue fell 80% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $14.0M, a strong 98% operating margin.

Mission

OUR MISSION IS TO PROVIDE ACTIVELY AGING ADULTS AFFORDABLE WELCOMING HOMES IN COMMUNITIES THAT EMBRACE LIVING.

Program Service Accomplishments

Program 1

Expenses: $0

TO PROVIDE ACTIVELY AGING ADULTS AFFORDABLE WELCOMING HOMES IN COMMUNITIES THAT EMBRACE LIVING.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $6,982,374

Investment Income $4,306,723

Other Revenue $3,017,628

TOTAL REVENUE $14,306,725

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $301,901

TOTAL EXPENSES $301,901

Year-over-Year Comparison

	2023	2022	Change
Revenue	$14,306,725	$70,609,181	-0.8%
Expenses	$301,901	$335,799	-0.1%
Net Income	$14,004,824	$70,273,382	-0.8%

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

N/A

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

$767,816

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RALPH GAINES	INTERIM CHAIR PRESIDENT & CEO	0.2	Officer	$0	$48,906	$406,531
ANNE M OLIVA	VICE PRESIDENT & CFO	0.0	Officer	$0	$20,088	$229,578
JOHN DIEHL	SENIOR ADVISOR	0.0	Highest	$0	$29,262	$163,749
JENNIFER TRUPPA	DIRECTOR OF SOCIAL SERVICES	0.0	Highest	$0	$40,412	$155,203
DAWN ZENKNER	CONTROLLER	0.2	Highest	$0	$40,055	$148,058
ED HAVLOVIC	DIRECTOR OF PLANT OPERATIONS	0.0	Highest	$0	$27,919	$137,817
GARY ADAMS	DIRECTOR OF OPERATIONS	0.2	Officer	$0	$27,575	$131,707
IRV WOODS	DIRECTOR	0.2	Director	$0	$0	$0
KAREN LATIMER-HORSTHEAKE	DIRECTOR	0.2	Director	$0	$0	$0
SCOTT MEYER	CHAIRMAN	0.2	Director	$0	$0	$0
RUTH CARLSON	DIRECTOR	0.2	Director	$0	$0	$0
TONYA PITTS	DIRECTOR	0.2	Director	$0	$0	$0
ROBERT GAMRATH	DIRECTOR	0.2	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	No data	No data	No data	No data
2023	$14,306,725	$301,901	$34,117,260	$14,004,824
2022	$70,609,181	$335,799	$117,089,105	$70,273,382
2021	$32,801,425	$20,299	$36,890,537	$32,781,126
2020	$106,486	$29,134	$1,538,690	$77,352