American Retirees Education Foundation (EIN 472146998) - 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

2014

Legal Domicile

Principal Officer

Janet Seefried

Phone

5865960857

Tax Period

2022-01-01 to 2022-12-31

American Retirees Education Foundation, founded in 2014, is a micro nonprofit in the Education sector that reported $39K in total revenue in fiscal year 2022. Revenue decreased 5% compared to the prior year. Expenses of $33K left a modest 14% surplus.

Mission

The foundation will develop and advocate policy recommendations to relevant constituency groups, the media, the general public, and Federal and state policymakers.

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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 (2022)

Revenue Breakdown

Contributions & Grants $38,092

Program Service Revenue $0

Investment Income $661

Other Revenue $0

TOTAL REVENUE $38,753

Expense Breakdown

Grants Paid $0

Salaries & Benefits $10,382

Fundraising Expenses $0

Program Expenses $29,714

Other Expenses $23,085

TOTAL EXPENSES $33,467

Year-over-Year Comparison

	2022	2021	Change
Revenue	$38,753	$40,905	-0.1%
Expenses	$33,467	$23,587	+0.4%
Net Income	$5,286	$17,318	-0.7%

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

$3,210

Total Directors

$3,354

Key Employees

$4,724

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jacqueline Lawson	Researcher	001.00	Key Emp	$2,400	$0	$2,400
Michael Calibrese	Strategic Advisor	001.00	Key Emp	$2,000	$0	$2,000
Bill Kadereit	Chairman President	001.00	Officer Director	$1,680	$0	$1,680
Ed Beltram	Vice President of Communications	001.00	Officer Director	$1,140	$0	$1,140
Janet Seefried	Treasurer	001.00	Officer Director	$390	$0	$390
Marta Bascom	Researcher	001.00	Key Emp	$324	$0	$324
Bob Martina	Vice President of Grassroots	001.00	Director	$144	$0	$144

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
2022	$38,753	$33,467	$157,890	$5,286
2021	$40,905	$23,587	$146,175	$17,318
2020	$54,096	$39,309	$143,147	$14,787
2019	$24,312	$40,336	$114,070	$-16,024
2018	$138,059	$50,171	$130,094	$87,888

American Retirees Education Foundation