2023-11-06T13:47:02-06:00 2022-12-31 464016990 THE PUN GROUP LLP 200 E SANDPOINTE AVENUE SUITE 600 SANTA ANA CA 92707 990 2022-01-01 330656671 SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC SPRI 8004318157 1450 IOWA AVENUE 200 RIVERSIDE CA 92507 TODD EMERSON PRESIDENT 8004318157 2023-11-06 TODD EMERSON 999009999 0 KENNETH HPUN P01443751 9497778800 3 AAL1 IAL1 2022 2023-04-26 12:10:37Z TODD EMERSON 1450 IOWA AVENUE SUITE 200 RIVERSIDE CA 92507 6984946 0 X WWW.CREDIT.ORG X 1974 CA TO PROVIDE CREDIT EDUCATION, PROMOTE FINANCIAL LITERACY, PROVIDE HOUSING AND COUNSELING SERVICES, RELIEVE THE BURDENS OF GOVERNMENT AND ASSIST INDIVIDUALS IN FINANCIAL DIFFICULTY. 5 4 73 0 0 0 2457261 2365082 2708790 3370733 0 31 827328 1249100 5993379 6984946 0 0 0 0 3269213 3523794 0 0 0 5574922 5767067 8844135 9290861 -2850756 -2305915 8795796 7401716 2141337 4351537 6654459 3050179 X THE SPECIFIC PURPOSES OF THE CORPORATION SHALL BE TO SERVE THECOMMUNITY AND GENERAL PUBLIC BY PROVIDING EDUCATIONAL COUNSELINGSERVICES RELATING TO PERSONAL FINANCE AND CREDIT REGARDLESS OF ANINDIVIDUAL'S ABILITY TO PAY; THE DEVELOPMENT AND PROVISION OF HOUSINGAND COUNSELING SERVICES FOR THE BENEFIT OF MEMBERS OF AN APPROPRIATECHARITABLE CLASS; RELIEVING THE GOVERNMENTAL BURDENS OF FEDERAL,STATE AND LOCAL GOVERNMENTS AND THEIR POLITICAL SUBDIVIONS; AND BYENGAGING IN OTHER CHARITABLE AND EDUCATIONAL ACTIVITES PERMITTED OFORGANIZATIONS DESCRIBED IN INTERNAL REVENUE CODE 501(C)(3). 0 0 1119539 1189267 DEBT MANAGEMENT PLANSCREDIT.ORG OFFERS DEBT REPAYMENT PLANS (I.E., DEBT MANAGEMENT PLANS ["DMP"]) IN SITUATIONS WHERE SUCH A PLAN IS THE MOST BENEFICIAL COURSE OF ACTION FOR A PARTICULAR COUNSELEE AS AN INCIDENTAL FEATURE OF BUDGET AND DEBT COUNSELING. CREDIT.ORG USES ITS DMP PROGRAM AS AN EDUCATIONAL TOOL THAT PROVIDES INDIVIDUALS WITH AN OPPORTUNITY TO DEVELOP THE DISCIPLINE AND FINANCIAL MANAGEMENT SKILLS NECESSARY TO OVERCOME THEIR FINANCIAL PROBLEMS AND LEARN NEW SPENDING AND FAVORABLE CREDIT MANAGEMENT HABITS. 461745 511893 HOUSING COUNSELINGCREDIT.ORG IS APPROVED BY THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT AS A COMPREHENSIVE HOUSING COUNSELING AGENCY AND PROVIDES PRE-PURCHASE/FIRST-TIME HOMEBUYER EDUCATION, LANDLORD/TENANT RENTAL COUNSELING POST-HOME BUYER COUNSELING. 481360 880450 REVERSE MORTGAGE COUNSELING: REVERSE MORTGAGE OFFERS CLIENTS GUIDANCE AS TO WHETHER A REVERSE MORTGAGE LOAN OPTION IS RIGHT FOR THEM AND, IF SO, HOW TO QUALIFY. 2197182 789123 2197182 789123 4259826 1 1 0 0 0 0 0 0 1 0 1 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 1 1 0 73 1 0 0 0 0 0 0 0 0 0 0 X 5 4 0 0 0 0 0 0 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 AL AZ AR CA CT FL GA IL KS KY MD MA MI MN MO NH NJ NM NY NC OH OK OR PA RI SC TN UT VA WV WI X X TODD EMERSON 8004318157 1450 IOWA AVENUE SUITE 200 RIVERSIDE CA 92507 ANTHONY TODD EMERSON PRESIDENT-CEO 60.00 X X 25770 0 1949 STACIE ANCTIL DIRECTOR 1.00 X 0 0 0 MIKE FRASCHILLA DIRECTOR 1.00 X 0 0 0 JOHN PERLSTEIN SECRETARY 1.00 X 0 0 0 ETHAN HORN TREASURER 1.00 X 0 0 0 JAMIE DEASON EXECUTIVE VICE PRESIDENT 50.00 X 179800 0 14513 MELINDA OPPERMAN CHIEF EXTERNAL AFFAIRS OFFICER 50.00 X 176000 0 13996 GLADYS REIMERS SVP OF COUNSELING SERVICES 40.00 X 128000 0 7360 MICHELLE TAYLOR VP OPERATIONS 40.00 X 100641 1 14791 610211 1 52609 4 0 1 0 SPRINGBOARD SOCIAL ENTERPRISES 27762 ANTONIO PARKWAY SUITE L1 299 LADERA RANCH CA 92694 MANAGEMENT CONSULTING 2247780 BAYGRAPE TECHNOLOGY LLC 5 SEA GRAPE ROAD LADERA RANCH CA 92694 SOFTWARE CONSULTANT 289000 SPERIDIAN TECHNOLOGIES 2400 LOUISIANA BOULEVARD NE BUILDI ALBUQUERQUE NM 87110 SOFTWARE CONSULTANT 230264 NATIONAL FOUNDATION FOR CREDIT COUNSELIN PO BOX 5007 MERRIFIELD VA 22116 TRADE ASSOCIATION 228137 4 1159946 1205136 2365082 CREDIT AND DEBIT MANAG 611600 1189267 1189267 REVERSE MORTGAGE 611600 880450 880450 OTHER 611600 789123 789123 HOUSING AND FINANCIAL 611600 511893 511893 3370733 31 31 OTHER REVENUE 900099 1249100 1249100 1249100 6984946 4619833 0 31 25770 25770 2929841 2371700 558141 568183 470636 97547 464672 308566 156106 40321 3500 36821 59460 33496 25964 19819 8778 11041 15386 4272 11114 244630 244630 705789 705789 104520 23421 81099 OUTSIDE SUPPORT SERVICE 2042272 2042272 SOFTWARE MAINTENANCE AN 330998 257151 73847 COMMUNICATION 282448 5350 277098 TEMPORARY STAFF (NON-EM 278816 278816 1177936 494140 683796 9290861 4259826 5031035 0 1276467 2209411 510968 787205 272773 71781 79640 159672 1628046 766721 1095102 861325 5731839 2049928 1031403 29999 29999 8795796 7401716 655651 1957072 543667 422280 150000 150000 792019 1822185 2141337 4351537 X 6654459 3050179 6654459 3050179 8795796 7401716 -2305915 -1298365 0 X X 0 1 X 1 0 X 1734879 352962 527459 2457261 3332490 8405051 17517117 14372468 3394327 3536118 3369693 42189723 19251996 14725430 3921786 5993379 6702183 50594774 0 9221961 19462 9241423 9221961 19462 9241423 41353351 155668 230472 255091 31 641262 155668 230472 255091 31 641262 19407664 14955902 4176877 5993379 6702214 51236036 0.80710 0.81350 0.01250 0.01080 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 0 5138 1126 4012 1301610 620442 681168 48972 24005 24967 272326 121148 151178 861325 DEFERRED REVENUE 755430 LEASE PAYABLE 1066755 1822185 X 5686581 -1298365 -1298365 6984946 0 6984946 9290861 0 9290861 0 9290861 PART X, LINE 2: THE ORGANIZATION IS EXEMPT FROM FEDERAL INCOME TAXES UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE WITH A SIMILAR EXEMPTION UNDER CALIFORNIA STATE LAW. THE AMOUNT OF $2,814 IS INCLUDED IN TAXES AND LICENSES IN THE CONSOLIDATED STATEMENT OF FUNCTIONAL EXPENSES WHICH IS LLC FEES AND INCOME TAXES PAID TO THE STATE OF CALIFORNIA. THE ORGANIZATION UTILIZES A TWO-STEP APPROACH TO RECOGNIZING AND MEASURING UNCERTAIN TAX POSITIONS, INCLUDING UNRELATED BUSINESS INCOME TAX. THE FIRST STEP IS TO EVALUATE THE TAX POSITION FOR RECOGNITION BY DETERMINING IF THE WEIGHT OF AVAILABLE EVIDENCE INDICATES IT IS MORE LIKELY THAN NOT THAT THE POSITION WILL BE SUSTAINED ON AUDIT, INCLUDING RESOLUTION OF RELATED APPEALS OR LITIGATION PROCESSES. THE SECOND STEP IS TO MEASURE THE TAX BENEFIT AS THE LARGEST AMOUNT, WHICH IS MORE THAN 50% LIKELY OF BEING REALIZED UPON ULTIMATE SETTLEMENT. AS OF DECEMBER 31, 2022, THERE WAS NO UNCERTAIN TAX POSITION. MANAGEMENT BELIEVES THAT THE ORGANIZATION IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR THE YEARS PRIOR TO 2017. PART XII, LINE 4B - OTHER ADJUSTMENTS: INTEREST INCOME/EXPENSE 1 X X X X X X 0 1 0 0 0 0 0 0 0 JAMIE DEASON EXECUTIVE VICE PRESIDENT 179800 0 0 0 0 0 0 0 0 0 179800 0 0 0 MELINDA OPPERMAN CHIEF EXTERNAL AFFAIRS OFFICER 176000 0 0 0 0 0 0 0 0 0 176000 0 0 0 FORM 990, PART VI, SECTION B, LINE 11B PRIOR TO FILING, SPRINGBOARD'S FORM 990 IS REVIEWED INTERNALLY BY THE CEO, AS WELL AS BY AN INDEPENDENT CERTIFIED PUBLIC ACCOUNTING FIRM. ONCE THESE REVIEWS ARE COMPLETE, ONE OF TWO PROCEDURES IS FOLLOWED: A. COPIES OF THE FORM 990 ARE GIVEN TO THE BOARD MEMBERS FOR REVIEW PRIOR TO THE ANNUAL MEETING. AT THE ANNUAL MEETING, FORM 990 IS DISCUSSED AND ANY QUESTIONS OR COMMENTS ARE ADDRESSED; OR B. A COPY OF THE FORM 990 IS GIVEN TO EACH BOARD MEMBER WITH A NOTICE THAT INFORMS THE BOARD MEMBER THEY SHALL HAVE A WEEK TO REVIEW THE FORM 990 AND TO SUBMIT ANY QUESTIONS OR COMMENTS TO THE CEO. THESE QUESTIONS OR COMMENTS ARE THEN ADDRESSED AND CIRCULATED TO THE BOARD MEMBERS, UNLESS THE BOARD CHAIR REQUESTS THAT A BOARD MEETING BE CONVENED AT WHICH ANY AND ALL QUESTIONS OR COMMENTS CAN BE ADDRESSED. FORM 990, PART VI, SECTION B, LINE 12C EACH BOARD MEMBER IS REQUIRED TO COMPLETE A CONFLICT FORM ANNUALLY. THE FORM CONTAINS THE COMPANY'S CONFLICTS POLICY, AS WELL AS AN AREA IN WHICH THE BOARD MEMBER DISCLOSES ANY AND ALL ORGANIZATIONS IN WHICH THE MEMBER IS A BOARD MEMBER, COMMITTEE MEMBER OR AN EMPLOYEE. ADDITIONALLY, THE MEMBER IS REQUIRED TO CERTIFY THAT, EXCEPT AS DESCRIBED IN THE FORM, THEY ARE NOT AND HAVE NOT IN THE PAST YEAR BEEN: 1.) A PARTICIPANT, DIRECTLY OR INDIRECTLY, IN ANY ARRANGEMENT, AGREEMENT, INVESTMENT, OR OTHER ACTIVITY WITH ANY VENDOR, SUPPLIER, OR OTHER PARTY DOING BUSINESS WITH SPRINGBOARD WHICH HAS RESULTED OR COULD RESULT IN PERSONAL BENEFIT TO THEM. 2.) A RECIPIENT, DIRECTLY OR INDIRECTLY, OF ANY SALARY PAYMENTS OR LOANS OR GIFTS OF ANY KIND OR ANY FREE SERVICE OR DISCOUNTS OR OTHER FEES FROM OR ON BEHALF OF ANY PERSON OR ORGANIZATION ENGAGED IN ANY TRANSACTION WITH SPRINGBOARD. KEY EMPLOYEES REVIEW THE EMPLOYEE CONFLICTS OF INTEREST POLICY ANNUALLY AND ARE REQUIRED TO ANNUALLY CERTIFY THAT THEY HAVE REPORTED IN WRITING ANY CIRCUMSTANCE THAT, SINCE THEIR LAST EXECUTION OF THE POLICY, DID OR MAY HAVE INVOLVED A CONFLICT OF INTEREST IN THE CONDUCT OF SPRINGBOARD'S BUSINESS, OR MAY HAVE CREATED THE APPEARANCE OF INVOLVING A CONFLICT OR IMPROPRIETY. THE KEY EMPLOYEE IS ALSO REQUIRED TO ATTACH TO THE SIGNED POLICY A COPY OF THE WRITING DISCLOSING THE POTENTIAL CONFLICT. FORM 990, PART VI, SECTION B, LINE 15 THE COMPENSATION PROCESS FOR OFFICERS AND KEY EMPLOYEES IS PERIODICALLY ESTABLISHED BY A BOARD COMPENSATION COMMITTEE. THIS COMMITTEE TAKES INTO CONSIDERATION A NUMBER OF FACTORS INCLUDING: (1) AN INDEPENDENT COMPENSATION STUDY OBTAINED BY THE COMPANY; (2) THE 990S OF OTHER SIMILAR ORGANIZATIONS; (3) INTERNALLY COMPLETED COMPENSATION STUDIES. ANNUAL COMPENSATION AND ANY MERIT INCREASES JUSTIFIED BY PERFORMANCE ARE RECOMMENDED BY THE EMPLOYEE'S DIRECT SUPERVISOR; HOWEVER, THEY ARE SUBJECT TO FINAL APPROVAL BY THE CEO, PROVIDED THEY ARE WITHIN THE COMPENSATION RANGES ESTABLISHED BY THE COMMITTEE. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S EXEMPT APPLICATION WITH THE SUPPORTING DOCUMENTATION AND THE ANNUAL RETURN ARE MADE AVAILABLE TO THE PUBLIC BY WRITTEN REQUEST. FORM 990, PART XII, LINE 2C ALL REVIEW AND PROCESS FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND SELECTION OF AN INDEPENDENT AUDITOR REMAINS CONSISTENT BETWEEN YEARS. SPRINGBOARD SOLUTIONS LLC 1450 IOWA AVENUE NO 200 RIVERSIDE CA 92507 273130421 GOVERNMENT CONTRACTING CA SPRINGBOARD NONPROFIT CONSUMER