Wisdom & Money

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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

2015

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

Wisdom & Money, founded in 2015, is a small nonprofit in the Public & Societal Benefit sector that reported $594K in total revenue in fiscal year 2023. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $689K exceeded revenue, resulting in a 16% operating deficit.

Mission

Wisdom & Money offers retreats, trainings, spiritual companioning, written reflections & workshops designed to encourage people of wealth and people from a culture of wealth to engage with money as a doorway to spiritual transformation at the personal, communal & systemic levels.

Program Service Accomplishments

Program 1

Expenses: $195,591 Revenue: $82,470

Wisdom & Money launched an 18-month Trailblazing Institute, in partnership with Be Present, Inc., and offered three four-day trainings and a national conference that offered participants...

Wisdom & Money launched an 18-month Trailblazing Institute, in partnership with Be Present, Inc., and offered three four-day trainings and a national conference that offered participants opportunities to learn about and experience the intersection of three streams of practice (Wisdom spiritual practices, the Be Present Empowerment Model, and Transformative Money Practices) that support inner transformation, partnership, and social justice.

Program 2

Expenses: $116,886

Wisdom & Money offered multiple retreats and gatherings in which participants explored the intersections of wealth, spirituality, and social justice.

Program 3

Expenses: $49,200

Wisdom & Money offered a variety of print and digital reflections designed to encourage and inspire people to make financial decisions that are aligned with spiritual values, create unity across...

Wisdom & Money offered a variety of print and digital reflections designed to encourage and inspire people to make financial decisions that are aligned with spiritual values, create unity across historical divisions, and support abundance for all people. We also worked on the development of a Wisdom & Money book to share our stories and practices more widely.

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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 (2023)

Revenue Breakdown

Contributions & Grants $511,384

Program Service Revenue $82,470

Investment Income $416

Other Revenue $0

TOTAL REVENUE $594,270

Expense Breakdown

Grants Paid $0

Salaries & Benefits $389,562

Fundraising Expenses $60,279

Program Expenses $361,677

Other Expenses $299,610

TOTAL EXPENSES $689,172

Year-over-Year Comparison

	2023	2022	Change
Revenue	$594,270	$502,917	+0.2%
Expenses	$689,172	$569,147	+0.2%
Net Income	$-94,902	$-66,230	+0.4%

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

$101,920

Total Directors

$202,233

Key Employees

$131,030

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Rosemary Feerick	President Co-Director	40.00	Director Key Emp	$119,105	$11,925	$131,030
Nadia Bouhdili	Secretary	40.00	Officer	$93,977	$7,943	$101,920
Tracy Bindel	Director	25.00	Director	$64,009	$7,194	$71,203
Diana Yanez	Director	4.00	Director	$0	$0	$0
Maria Da Silva	Director	4.00	Director	$0	$0	$0
Robin Ferguson	Director	4.00	Director	$0	$0	$0
Mildred Collins	Director	4.00	Director	$0	$0	$0
Lillie Allen	Director	4.00	Director	$0	$0	$0
Caroline Marvin	Director	4.00	Director	$0	$0	$0
Bernard Murphy	Treasurer	4.00	Officer Director	$0	$0	$0
Nancy Thurston	Board Chair	5.00	Officer 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
2024	No data	No data	No data	No data
2023	$594,270	$689,172	$188,023	$-94,902
2022	$502,917	$569,147	$277,874	$-66,230
2021	$428,077	$256,747	$331,968	$171,330
2020	$286,860	$190,875	$158,561	$95,985
2019	$269,796	$263,738	$56,871	$6,058