RETIREMENT PLANNING CO INC (EIN 850202610) - 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

Legal Domicile

Principal Officer

GABRIELLE ARGANT

Phone

5755469323

Tax Period

2024-07-01 to 2025-06-30

RETIREMENT PLANNING CO INC is a small nonprofit that reported $532K in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year. Expenses of $667K exceeded revenue, resulting in a 25% operating deficit.

Mission

individuals, partially subsidized by the US Department of Housing and Urban Development--103 units

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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 $101,805

Program Service Revenue $418,629

Investment Income $5,390

Other Revenue $5,925

TOTAL REVENUE $531,749

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $666,994

TOTAL EXPENSES $666,994

Year-over-Year Comparison

	2024	2023	Change
Revenue	$531,749	$566,910	-0.1%
Expenses	$666,994	$704,409	-0.1%
Net Income	$-135,245	$-137,499	0.0%

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

N/A

Independent Members

N/A

Employees

N/A

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	Role	Reportable Comp	Other Comp	Total
HAROLD C MORROW	Member	Officer	$0	$0	$0
JULIE BOLTON	MEMBER	Officer	$0	$0	$0
DAVID ARRIOLA	PRESIDENT	Officer	$0	$0	$0
MERLINE HENSLEY	Member	Officer	$0	$0	$0
MARCIA MALLICK	Member	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	$531,749	$666,994	$1,417,229	$-135,245
2024	$566,910	$704,409	$1,552,058	$-137,499
2023	$518,888	$675,138	$1,695,070	$-156,250
2022	$509,335	$649,096	$1,850,260	$-139,761
2021	$526,640	$594,273	$1,988,626	$-67,633
2020	$552,199	$576,524	$2,056,643	$-24,325

RETIREMENT PLANNING CO INC