RETIRESAFE (EIN 481108059) - 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

1991

Legal Domicile

Phone

2026285095

Tax Period

2024-01-01 to 2024-12-31

RETIRESAFE, founded in 1991, is a small nonprofit that reported $239K in total revenue in fiscal year 2024. Expenses of $322K exceeded revenue, resulting in a 35% operating deficit.

Mission

RetireSafes mission is to promote and protect the wellbeing, independence and rights of seniors through advocacy and education.

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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 $238,731

Program Service Revenue $0

Investment Income $19

Other Revenue $0

TOTAL REVENUE $238,750

Expense Breakdown

Grants Paid $0

Salaries & Benefits $199,166

Fundraising Expenses $79,394

Program Expenses $177,759

Other Expenses $122,378

TOTAL EXPENSES $321,544

Year-over-Year Comparison

	2024	2023	Change
Revenue	$238,750	$221,139	+0.1%
Expenses	$321,544	$363,679	-0.1%
Net Income	$-82,794	$-142,540	-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

$155,925

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK GIBBONS	President/CEO	40.00	Officer	$155,925	$0	$155,925
RICHARD WEISS	MEMBER	1.00	Director	$0	$0	$0
RICHARD HODGE	Chairman	1.00	Officer Director	$0	$0	$0
KATHLEEN LUTON	MEMBER	1.00	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
2024	$238,750	$321,544	$124,998	$-82,794
2023	$221,139	$363,679	$240,885	$-142,540
2022	$559,137	$623,087	$419,196	$-63,950
2021	$1,159,704	$1,157,539	$390,270	$2,165
2020	$975,381	$855,472	$389,652	$119,909
2019	$1,035,735	$1,125,162	$314,138	$-89,427
2018	$650,149	$504,710	$362,590	$145,439

RETIRESAFE