INTERNATIONAL FOUNDATION FOR RETIREMENT EDUCATION (EIN 522069006) - 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

1997

Legal Domicile

Principal Officer

RALPH MARSH

Phone

8473829032

Tax Period

2024-01-01 to 2024-12-31

INTERNATIONAL FOUNDATION FOR RETIREMENT EDUCATION, founded in 1997, is a small nonprofit in the Mutual Benefit sector that reported $317K in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $360K exceeded revenue, resulting in a 13% operating deficit.

Mission

INFRE PROVIDES PROFESSIONAL CERTIFICATION AND EDUCATION PRGRAMS TO BETTER EQUIP THE RETIREMENT PROFESSIONAL TO ASSIST THE AMERICAN WORKER TO ACHIEVE RETIREMENT SECURITY.

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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 $0

Program Service Revenue $317,307

Investment Income $7

Other Revenue $0

TOTAL REVENUE $317,314

Expense Breakdown

Grants Paid $0

Salaries & Benefits $240,932

Fundraising Expenses $0

Program Expenses $305,444

Other Expenses $118,825

TOTAL EXPENSES $359,757

Year-over-Year Comparison

	2024	2023	Change
Revenue	$317,314	$286,902	+0.1%
Expenses	$359,757	$340,112	+0.1%
Net Income	$-42,443	$-53,210	-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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEVIN SEIBERT	MANAGING DIR	40.00	Highest	$109,000	$24,900	$133,900
DENISE APPLEBY	BOARD OF GOV	N/A	Director	$0	$0	$0
WILLIAM GUSTAFSON	BOARD OF GOV	N/A	Director	$0	$0	$0
MATTHEW PETERSEN	BOARD OF GOV	N/A	Director	$0	$0	$0
CATHIE EITELBERG	BOARD OF GOV	N/A	Director	$0	$0	$0
RICHARD REILLY	VC & TREASUR	N/A	Officer Director	$0	$0	$0
RALPH MARSH	CHAIRMAN	N/A	Officer Director	$0	$0	$0
RODERICK CRANE	BOARD OF GOV	N/A	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	$317,314	$359,757	$343,061	$-42,443
2023	$286,902	$340,112	$387,263	$-53,210
2022	$351,292	$385,608	$450,786	$-34,316
2021	$445,396	$429,947	$488,873	$15,449
2020	$390,659	$410,446	$468,746	$-19,787
2019	$433,923	$455,394	$488,651	$-21,471
2018	$412,234	$457,787	$505,093	$-45,553

INTERNATIONAL FOUNDATION FOR RETIREMENT EDUCATION