LIFE ADJUSTMENTS (EIN 825323286) - 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

2018

Legal Domicile

Principal Officer

MATTHEW EGAN

Phone

4158919995

Tax Period

2025-01-01 to 2025-12-31

LIFE ADJUSTMENTS, founded in 2018, is a micro nonprofit in the Health Care sector that reported $55K in total revenue in fiscal year 2025.

Mission

WE DO NOT WANT FINANCES TO BE A BARRIER TO PEOPLE EXPERIENCING THE MANY BENEFITS AND HEALING POWERS OF CHIROPRACTIC CARE. THEREFORE, WE PROVIDE CARE TO THOSE UNDER SERVED LOW INCOME, SPECIAL NEEDS, TEACHERS, AND OUR FIRST RESPONDER POPULATIONS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $54,975

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $54,975

Expense Breakdown

Grants Paid $0

Salaries & Benefits $55,238

Fundraising Expenses $0

Program Expenses $57,540

Other Expenses $2,302

TOTAL EXPENSES $57,540

Year-over-Year Comparison

	2025	2024	Change
Revenue	$54,975	N/A	N/A
Expenses	$57,540	N/A	N/A
Net Income	$-2,565	N/A	N/A

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHANNA BLUMNOFF	MEMBER	N/A	Director	$0	$0	$0
NESSA CHAMPAGNE	MEMBER	N/A	Director	$0	$0	$0
MATTHEW EGAN	PRESIDENT/CO	0.00	Officer	$0	$0	$0
AMY LEE	SECRETARY/CO	N/A	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
2025	$54,975	$57,540	$-2,565	$-2,565

LIFE ADJUSTMENTS