LIGHTHOUSE FINANCIAL FOUNDATION

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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

KIM CAPELOTO

Phone

3606016168

Tax Period

2024-01-01 to 2024-12-31

LIGHTHOUSE FINANCIAL FOUNDATION, founded in 2018, is a community nonprofit in the Human Services sector that reported $1.7M in total revenue in fiscal year 2024. Revenue surged 159% from the prior year, signaling strong growth momentum. The organization ran a surplus of $896K, a strong 52% operating margin.

Mission

SAVE FIRST FINANCIAL WELLNESS EMPOWERS INDIVIDUALS TO ACHIEVE FINANCIAL STABILITY AND MEET THEIR BASIC NEEDS BY PROVIDING FINANCIAL EDUCATION, COACHING, AND SUPPORT TO NAVIGATE FINANCIAL CHALLENGES AND BUILD A STRONGER FUTURE.

Program Service Accomplishments

Program 1

Expenses: $590 Revenue: $5,876

TO SUPPORT FINANCIAL EDUCATION AND COUNSELING TO LOW AND MODERATE INCOME INDIVIDUALS INCLUDING UNDERSTANDING CREDIT REPORTS, CREDIT RESTORATION, AND BUDGETING.

Program 2

Expenses: $551,550 Revenue: $198,302

SAVE FIRST PROVIDES FINANCIAL LITERACY EDUCATION ON TOPICS SUCH AS SAVING, BUDGETING, CREDIT, AND DEBT MANAGEMENT. ADDITIONAL WORKSHOPS COVER AUTO BUYING, HOMEOWNERSHIP, CREDIT BUILDING, STUDENT...

SAVE FIRST PROVIDES FINANCIAL LITERACY EDUCATION ON TOPICS SUCH AS SAVING, BUDGETING, CREDIT, AND DEBT MANAGEMENT. ADDITIONAL WORKSHOPS COVER AUTO BUYING, HOMEOWNERSHIP, CREDIT BUILDING, STUDENT LOANS, AND FINANCIAL PLANNING. SERVICES ARE OFFERED IN PERSON AND ONLINE. WE ALSO PROVIDE ONE-ON-ONE FINANCIAL COACHING TO HELP INDIVIDUALS ASSESS THEIR FINANCIAL SITUATION, SET GOALS, AND IMPROVE LONG-TERM OUTCOMES. ALL SERVICES ARE DESIGNED TO PROMOTE FINANCIAL STABILITY AND SELF-SUFFICIENCY, WITH A FOCUS ON UNDERSERVED 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 (2024)

Revenue Breakdown

Contributions & Grants $1,513,684

Program Service Revenue $186,737

Investment Income $33,152

Other Revenue $3,624

TOTAL REVENUE $1,737,197

Expense Breakdown

Grants Paid $119,000

Salaries & Benefits $537,407

Fundraising Expenses $47,100

Program Expenses $552,140

Other Expenses $184,483

TOTAL EXPENSES $840,890

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,737,197	$670,670	+1.6%
Expenses	$840,890	$406,886	+1.1%
Net Income	$896,307	$263,784	+2.4%

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

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

$157,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVE BERNHOFT	BOARD MEMBER	1.00	Director	$0	$0	$0
BRETT BRYANT	CHAIR	2.00	Officer Director	$0	$0	$0
DAVID BRISTOL	BOARD MEMBER	1.00	Director	$0	$0	$0
REBECCA BRISTOL	BOARD MEMBER	1.00	Director	$0	$0	$0
SHERRI FALKNER	SECRETARY	2.00	Officer Director	$0	$0	$0
CRISTHIAN CANSECO JUAREZ	BOARD MEMBER	1.00	Director	$0	$0	$0
ANDREW NELSON	BOARD MEMBER	1.00	Director	$0	$0	$0
RYAN HALLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
KIM CAPELOTO	PRESIDENT	25.00	Officer	$157,000	$0	$157,000

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	$1,737,197	$840,890	$2,268,820	$896,307
2023	$670,670	$406,886	$2,269,633	$263,784
2022	$1,034,740	$168,766	$1,003,872	$865,974
2021	$123,323	$197,807	$116,448	$-74,484
2020	$515,299	$424,919	$131,722	$90,380