Life Options 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

2007

Legal Domicile

Principal Officer

Julia Putnam

Phone

9013473972

Tax Period

2025-01-01 to 2025-12-31

Life Options Inc, founded in 2007, is a small nonprofit in the Housing & Shelter sector that reported $613K in total revenue in fiscal year 2025. Revenue surged 49% from the prior year, signaling strong growth momentum. The organization ran a surplus of $154K, a strong 25% operating margin.

Mission

Financial management and guidance of underprivileged individuals in conjunction with the Social Security Administration

Program Service Accomplishments

Program 1

Expenses: $392,029 Revenue: $613,061

Financial management and guidance of underprivileged individuals in conjunction with the Social Security Administration

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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 $0

Program Service Revenue $613,061

Investment Income $0

Other Revenue $0

TOTAL REVENUE $613,061

Expense Breakdown

Grants Paid $0

Salaries & Benefits $332,622

Fundraising Expenses $0

Program Expenses $392,029

Other Expenses $126,391

TOTAL EXPENSES $459,013

Year-over-Year Comparison

	2025	2024	Change
Revenue	$613,061	$412,621	+0.5%
Expenses	$459,013	$459,415	0.0%
Net Income	$154,048	$-46,794	-4.3%

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

N/A

Independent Members

N/A

Employees

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

$55,666

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Charles Putnam	Vice President	40.00	Highest	$81,389	$0	$81,389
Julia Putnam	President	10.00	Officer	$55,666	$0	$55,666
Ann Binford	Treasurer	1.00	Officer	$0	$0	$0
Kathy Moore	Director	1.00	Officer	$0	$0	$0
Eunicetine Anderson	Director	1.00	Officer	$0	$0	$0
Lisa Cuan	Director	1.00	Officer	$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	$613,061	$459,013	$98,939	$154,048
2024	$412,621	$459,415	$100,835	$-46,794
2023	$514,148	$490,582	$150,595	$23,566
2022	$386,442	$353,693	$127,527	$32,749
2021	$247,570	$243,011	$94,770	$4,559
2020	$218,027	$207,441	$95,184	$10,586
2019	$432,636	$183,063	$97,338	$249,573