PILLARS OF LIGHT AND LOVE

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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

2014

Legal Domicile

Principal Officer

KATHY OPPERMAN

Phone

4848541162

Tax Period

2024-01-01 to 2024-12-31

PILLARS OF LIGHT AND LOVE, founded in 2014, is a small nonprofit in the Health Care sector that reported $161K in total revenue in fiscal year 2024. Revenue fell 53% from the prior year — a significant decline worth monitoring. Expenses of $141K left a modest 12% surplus.

Mission

EMPOWERING YOUTH AND ADULTS AGES 5 AND UP, INCLUDING THOSE WITH SPECIAL NEEDS, TO REDUCE STRESS, HAVE STRONG SELF-ESTEEM, OVERCOME ANXIETY, DEPRESSION AND BULLYING.

Program Service Accomplishments

Program 1

Expenses: $98,927

STRESS AND LIFE MANAGEMENT FOR ALL AGES TO TEACH CHILDREN, TEENS, AND ADULTS TO REDUCE STRESS, HAVE STRONG SELF-ESTEEM, OVERCOME ANXIETY AND DEPRESSION, BUILD CONFIDENCE, AND ACHIEVE BETTER COPING...

STRESS AND LIFE MANAGEMENT FOR ALL AGES TO TEACH CHILDREN, TEENS, AND ADULTS TO REDUCE STRESS, HAVE STRONG SELF-ESTEEM, OVERCOME ANXIETY AND DEPRESSION, BUILD CONFIDENCE, AND ACHIEVE BETTER COPING TECHNIQUES, POSITIVE COMMUNICATION SKILLS, AND HEALTHY RELATIONSHIPS. A NEW RESTAURANT WAS OPENED IN MID NOVEMBER 2022 NAMED SO MUCH TO GIVE INCLUSIVE CAFE. THE RESTAURANT'S MISSION IS TO PROVIDE A WELCOMING AND INCLUSIVE EXPERIENCE TO EMPOWER ALL PEOPLE, INCLUDING THOSE WITH DISABILITIES AND THEIR FAMILIES, TO HAVE EQUAL OPPORTUNITIES TO WORK, DINE, SOCIALIZE, VOLUNTEER AND LEARN. IN JULY 2023 A STUDIO WAS OPENED TO ENRICH THE LIVES OF THOSE WITH DISABILITIES THROUGH ART, MUSIC, MOVEMENT, LEARNING, SOCIALIZING, CREATING INDEPENDENCE AND FUN THROUGH VARIOUS CLASSES.

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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 (2024)

Revenue Breakdown

Contributions & Grants $256,148

Program Service Revenue $79,906

Investment Income $5,616

Other Revenue $-180,866

TOTAL REVENUE $160,804

Expense Breakdown

Grants Paid $0

Salaries & Benefits $22,210

Fundraising Expenses $0

Program Expenses $98,927

Other Expenses $118,650

TOTAL EXPENSES $140,860

Year-over-Year Comparison

	2024	2023	Change
Revenue	$160,804	$339,307	-0.5%
Expenses	$140,860	$125,577	+0.1%
Net Income	$19,944	$213,730	-0.9%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PATRICIA BARTH	Director	0.00	Director	$0	$0	$0
JENNIFER SEVILLE	Director	1.00	Director	$0	$0	$0
RENEE GRAFSTROM	Director	0.00	Director	$0	$0	$0
SUSAN MERCURIO	Director	0.00	Director	$0	$0	$0
KATHY OPPERMAN	President	15.00	Officer	$0	$0	$0
THERESA MODESTINE	Treasurer	0.00	Officer	$0	$0	$0
DR KAREN FIORILLO	Director	0.00	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
2024	$160,804	$140,860	$434,327	$19,944
2023	$339,307	$125,577	$414,383	$213,730
2022	$220,893	$70,529	$200,926	$150,364