Council of Financial Educators (EIN 453187931) - Form 990 Financial Analysis & Trantor Score

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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

2011

Legal Domicile

Principal Officer

Kimberly T Phillips

Phone

7274816829

Tax Period

2025-01-01 to 2025-12-31

Council of Financial Educators, founded in 2011, is a community nonprofit in the Religion sector that reported $1.3M in total revenue in fiscal year 2025. Revenue surged 81% from the prior year, signaling strong growth momentum.

Mission

The Council of Financial Educators is a 501(c)(3) non-profit organization committed to providing the public with the knowledge to confidently navigate the ever-changing retirement landscape.

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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 $197,808

Program Service Revenue $1,106,384

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,304,192

Expense Breakdown

Grants Paid $0

Salaries & Benefits $248,949

Fundraising Expenses $0

Program Expenses $1,063,552

Other Expenses $1,092,289

TOTAL EXPENSES $1,341,238

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,304,192	$722,193	+0.8%
Expenses	$1,341,238	$668,802	+1.0%
Net Income	$-37,046	$53,391	-1.7%

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

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

$233,637

Total Directors

$233,637

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kimberly T Phillips	President	60.00	Officer Director	$215,000	$18,637	$233,637
Deborah Reidy	Director	0.00	Director	$0	$0	$0
Anne Lancaster	Director	0.00	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	$1,304,192	$1,341,238	$51,108	$-37,046
2024	No data	No data	No data	No data
2023	$472,008	$480,302	$34,763	$-8,294
2022	$474,968	$468,075	$47,363	$6,893
2021	$335,946	$352,549	$36,164	$-16,603
2020	$339,975	$315,032	$52,767	$24,943
2019	$341,781	$310,691	$27,824	$31,090

Council of Financial Educators