LIVING INDEPENDENTLY FOR TODAY AND TOMORROW INC (EIN 810455476) - 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

CARLOS RAMALHO

Phone

4062945193

Tax Period

2023-10-01 to 2024-09-30

LIVING INDEPENDENTLY FOR TODAY AND TOMORROW INC, founded in 1997, is a community nonprofit in the Human Services sector that reported $3.7M in total revenue in fiscal year 2023.

Mission

PROVIDE ASSISTANCE TO PEOPLE WITH DIABILITIES SO THAT THEY CAN LIVE INDEPENDENTLY.

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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 $667,149

Program Service Revenue $2,927,296

Investment Income $53,288

Other Revenue $18,811

TOTAL REVENUE $3,666,544

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,919,390

Fundraising Expenses $30,656

Program Expenses $3,066,066

Other Expenses $724,823

TOTAL EXPENSES $3,644,213

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,666,544	$3,520,328	+0.0%
Expenses	$3,644,213	$3,092,646	+0.2%
Net Income	$22,331	$427,682	-0.9%

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

240

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

$151,790

Total Directors

$151,790

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARLOS RAMALHO	EXEC DIR/SEC	40.00	Officer Director	$102,000	$3,060	$105,060
DEBRA ACOSTA	TREASURER	N/A	Officer Director	$45,560	$1,170	$46,730
KAREN ANDERSON	CHAIR	N/A	Officer Director	$0	$0	$0
KATIE DAY	VICE-CHAIR	N/A	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	$3,666,544	$3,644,213	$2,011,160	$22,331
2023	$3,520,328	$3,092,646	$1,974,957	$427,682
2022	$3,005,682	$2,790,044	$1,483,163	$215,638
2021	$2,426,198	$2,312,201	$1,271,215	$113,997
2020	$2,429,333	$1,960,292	$1,144,063	$469,041
2019	$1,860,059	$1,919,433	$680,341	$-59,374
2018	$2,053,659	$1,901,711	$739,769	$151,948

LIVING INDEPENDENTLY FOR TODAY AND TOMORROW INC