CHIAROSCURO INSTITUTE 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

2012

Legal Domicile

Principal Officer

HELEN ALVARE

Phone

9082194265

Tax Period

2018-01-01 to 2018-12-31

CHIAROSCURO INSTITUTE INC, founded in 2012, is a small nonprofit that reported $257K in total revenue in fiscal year 2018. Revenue fell 43% from the prior year — a significant decline worth monitoring. Expenses of $326K exceeded revenue, resulting in a 27% operating deficit.

Mission

THE ORGANIZATION'S GOAL IS TO EDUCATE THE PUBLIC ON THE VALUE AND IMPORTANCE OF HUMAN LIFE AND RELIGIOUS FREEDOM. THE INSTITUTE PURSUES THESE INTERESTS THROUGH OCCASIONAL SUPPORT OF ACADEMIC SCHOLARSHIP AND PROGRAMMING.

Program Service Accomplishments

Program 1

Expenses: $89,655

WOMEN SPEAK FOR THEMSELVES:WOMEN SPEAK FOR THEMSELVES IS A GRASSROOTS ORGANIZATION WITH MORE THAN 75,000 WOMEN FROM ALL 50 STATES AND VARIOUS POLITICAL AND RELIGIOUS BACKGROUNDS. OUR LIST IS MADE UP OF DIVERSE AND INTELLIGENT WOMEN - WITH THOUSANDS OF DOCTORS, LAWYERS, TEACHERS, BUSINESSWOMEN, HOMESCHOOLING MOTHERS, AND LONGTIME COMMUNITY ADVOCATES. OUR PARTNERSHIP WITH THESE WOMEN, WHICH BEGAN IN 2012, HAS PRODUCED HUNDREDS OF LETTERS TO THE EDITOR, TOWN HALL MEETINGS, LETTERS AND MEETINGS WITH CONGRESSIONAL REPRESENTATIVES, SOCIAL MEDIA POSTINGS, AND THE OCCASIONAL PROTEST, ALL IN SUPPORT OF WOMEN AND RELIGIOUS FREEDOM.

Program 2

Expenses: $86,395

I BELIEVE IN LOVE:PRESENTLY, I BELIEVE IN LOVE IS AN ONLINE COMMUNITY, WWW.IBELIEVEINLOVE.COM, WHICH GENERATES HIGHLY SHAREABLE CONTENT ON SEX, DATING, MARRIAGE, PARENTING AND THRIFTY LIVING. THE...

I BELIEVE IN LOVE:PRESENTLY, I BELIEVE IN LOVE IS AN ONLINE COMMUNITY, WWW.IBELIEVEINLOVE.COM, WHICH GENERATES HIGHLY SHAREABLE CONTENT ON SEX, DATING, MARRIAGE, PARENTING AND THRIFTY LIVING. THE SITE WAS DEVELOPED AFTER CONSULTING WITH LEADING SOCIOLOGISTS, ECONOMISTS, AND OTHER MARRIAGE AND FAMILY FORMATION EXPERTS. ITS GOAL IS TO INSTILL HOPE AND SOLIDARITY AMONG YOUNG ADULTS IN LOWER-MIDDLE-INCOME AMERICA WHO ASPIRE TO FAITHFUL LOVE AND MARRIAGE, BUT OFTEN FAIL TO REALIZE IT IN THEIR LIVES. ARTICLES ON THE SITE ARE WRITTEN BY YOUNG AMERICANS IN THE LOWER-MIDDLE-INCOME AND THOSE IN THE UPPER-MIDDLE-INCOME WHO HAVE LONG TERM COMMITMENT AND EXPERTISE IN THESE AREAS OF SEX, DATING, MARRIAGE, PARENTING, AND THRIFTY LIVING. WRITERS ALSO (CONT'D ON SCH O) WORK WITH EDITORS, WHO ARE TRAINED AND SENT INTO LOWER-INCOME COMMUNITIES TO BEFRIEND AND HELP YOUNG ADULTS REALIZE MARRIAGE AND FAMILY IN THEIR LIVES.

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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 (2018)

Revenue Breakdown

Contributions & Grants $260,182

Program Service Revenue $0

Investment Income $-5,152

Other Revenue $2,023

TOTAL REVENUE $257,053

Expense Breakdown

Grants Paid $0

Salaries & Benefits $202,901

Fundraising Expenses $76,969

Program Expenses $176,050

Other Expenses $123,163

TOTAL EXPENSES $326,064

Year-over-Year Comparison

	2018	2017	Change
Revenue	$257,053	$454,784	-0.4%
Expenses	$326,064	$539,511	-0.4%
Net Income	$-69,011	$-84,727	-0.2%

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

$64,875

Total Directors

$27,762

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HELEN ALVARE	PRESIDENT	15.00	Officer Director	$27,762	$0	$27,762
GREG PFUNDSTEIN	TREASURER	1.00	Officer Director	$0	$0	$0
TERRY POLAKOVIC	SECRETARY	1.00	Officer Director	$0	$0	$0
TIM REICHERT	BOARD MEMBER	1.00	Director	$0	$0	$0
ANNIE MACLEAN	BOARD MEMBER	1.00	Director	$0	$0	$0
MEGAN MCDONNELL	EXECUTIVE DIRECTOR	40.00	Officer	$34,875	$2,238	$37,113

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
2018	$257,053	$326,064	No data	$-69,011