INDIVIDUAL RETIREMENT RIGHTS ASSOCIATION (EIN 872448854) - Form 990 Financial Analysis & Trantor Score

🔒

Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

2021

Legal Domicile

Principal Officer

GARY HIRSCH

Phone

7032248860

Tax Period

2022-01-01 to 2022-12-31

INDIVIDUAL RETIREMENT RIGHTS ASSOCIATION, founded in 2021, is a small nonprofit that reported $637K in total revenue in fiscal year 2021. Expenses of $731K exceeded revenue, resulting in a 15% operating deficit.

Mission

TO PROMOTE SOCIAL WELFARE WITHIN THE MEANING OF SECTION 501(C)(4) OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED, INCLUDING BUT NOT LIMITED TO PROTECTING THE RETIREMENT SECURITY OF THE AMERICAN PUBLIC THROUGH EDUCATION AND ADVOCACY RELATED TO INDIVIDUAL RETIREMENT ACCOUNTS AND OTHER TAX-EXEMPT PERSONAL SAVINGS VEHICLES. IRRA INITIALLY ADVOCATED AND LOBBIED AT THE FEDERAL LEVEL FOR LEGISLATION SUPPORTING OWNERS AND PROVIDERS OF ALTERNATIVE INVESTMENT VEHICLES.

🔒

Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2022)

Revenue Breakdown

Contributions & Grants $250,000

Program Service Revenue $45,010

Investment Income $0

Other Revenue $0

TOTAL REVENUE $295,010

Expense Breakdown

Grants Paid $0

Salaries & Benefits $70,878

Fundraising Expenses $0

Program Expenses $111,921

Other Expenses $140,026

TOTAL EXPENSES $210,904

Year-over-Year Comparison

	2022	2021	Change
Revenue	$295,010	$637,000	-0.5%
Expenses	$210,904	$731,172	-0.7%
Net Income	$84,106	$-94,172	-1.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

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

$70,878

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JASON HELQUIST	CHAIRMAN	0.15	Officer Director	$0	$0	$0
GARY HIRSCH	BOARD MEMBER	0.15	Director	$0	$0	$0
ANTHONY CIMINO	BOARD MEMBER	0.15	Director	$0	$0	$0
DANIEL GLEICH	BOARD MEMBER	0.15	Director	$0	$0	$0
BRAD SCAFE	BOARD MEMBER	0.15	Director	$0	$0	$0
ADAM BERGMAN	BOARD MEMBER	0.15	Director	$0	$0	$0
MAT SORENSEN	BOARD MEMBER	0.15	Director	$0	$0	$0
HOWARD KAPLAN	PRESIDENT	0.75	Officer	$18,000	$0	$18,000
JOANNE DUNNE	TREASURER AND SECRETARY	2.50	Officer	$52,878	$0	$52,878

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
2022	$295,010	$210,904	$66,870	$84,106
2021	$637,000	$731,172	$216,686	$-94,172
2021	$637,000	$731,172	$216,686	$-94,172

INDIVIDUAL RETIREMENT RIGHTS ASSOCIATION