Smart Women Smart Money Educational Foundation (EIN 770627531) - 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

2004

Legal Domicile

Phone

8137875887

Tax Period

2024-01-01 to 2024-12-31

Smart Women Smart Money Educational Foundation, founded in 2004, is a micro nonprofit in the Human Services sector that reported $98K in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $173K exceeded revenue, resulting in a 76% operating deficit.

Mission

The organization was formed to provide education to the public in the field of real estate through counseling and financial planning.

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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 $28,676

Program Service Revenue $69,613

Investment Income $0

Other Revenue $0

TOTAL REVENUE $98,289

Expense Breakdown

Grants Paid $0

Salaries & Benefits $107,672

Fundraising Expenses $0

Program Expenses $110,022

Other Expenses $65,487

TOTAL EXPENSES $173,159

Year-over-Year Comparison

	2024	2023	Change
Revenue	$98,289	$86,198	+0.1%
Expenses	$173,159	$189,072	-0.1%
Net Income	$-74,870	$-102,874	-0.3%

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

$65,500

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
Ashley Packett	Asst Secretary Treasurer	Officer	$36,000	$0	$36,000
Joseph Packett	President	Officer	$29,500	$0	$29,500
Nancy Kimme	Vice President	Officer	$0	$0	$0
Ken Kamps	Secreatry Treasurer	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	$98,289	$173,159	$15,554	$-74,870
2023	$86,198	$189,072	$90,424	$-102,874
2022	$166,352	$215,369	$193,270	$-49,017
2021	$203,928	$190,783	$242,799	$13,145
2020	$206,677	$195,777	$229,170	$10,900
2019	$120,275	$229,523	$218,270	$-109,248
2018	$200,566	$193,286	$328,595	$7,280

Smart Women Smart Money Educational Foundation