2024-02-01T10:32:32-06:00 2023-06-30 410746749 CLIFTONLARSONALLEN LLP 20 EAST THOMAS ROAD SUITE 2300 PHOENIX AZ 85012 990 2022-07-01 860593598 TAKE CHARGE AMERICA INC TAKE 6232666100 20430 N 19TH AVE B155 PHOENIX AZ 850273650 DAVID H RICHARDSON PRESIDENT/CEO 6232666100 2024-02-01 1 DAVID RICHARDSON XXX-XX-XXXX 0 JEAN M DIETRICH P03143753 6022662248 2024-02-01 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z X DAVID H RICHARDSON 20430 N 19TH AVE B155 PHOENIX AZ 850273650 28801672 0 X WWW.TAKECHARGEAMERICA.ORG X 1987 AZ TO PROVIDE FINANCIAL EDUCATION AND SERVICES TO IMPROVE THE LIVES OF INDIVIDUALS AND FAMILIES. X 9 9 77 10 0 0 2964380 2939885 3520858 3058001 301297 8457538 468941 -39356 7255476 14416068 0 0 0 0 4169642 4224043 0 0 0 3462025 3148786 7631667 7372829 -376191 7043239 22881953 30858017 1857676 2425895 21024277 28432122 X TAKE CHARGE AMERICA (TCA) PROVIDES FINANCIAL EDUCATION AND SERVICES TO IMPROVE THE LIVES OF INDIVIDUALS AND FAMILIES. 0 1 5870745 0 2971833 EDUCATIONAL CREDIT COUNSELING - SEE SCHEDULE O. 555685 0 85447 HOUSING: TAKE CHARGE AMERICA HELPED NEARLY 1,600 ARIZONANS IN FISCAL YEAR 2023 THROUGH A WIDE RANGE OF HUD-APPROVED HOUSING COUNSELING AND EDUCATIONAL SERVICES. TCA OFFERS SERVICES DESIGNED FOR EACH INDIVIDUAL'S NEEDS, WHETHER THEY RENT, OWN, OR WANT TO BUY. SPECIALIZED COUNSELING IS ALSO AVAILABLE FOR THOSE NEEDING RENTAL ASSISTANCE OR GUIDANCE IN RESOLVING DELINQUENCIES IN PAST DUE RENT AND MORTGAGE PAYMENTS. THE ORGANIZATION WORKS WITH A HOUSING INTERMEDIARY TO OBTAIN HUD GRANT FUNDS TO PROVIDE TO CLIENTS. 36192 0 721 STUDENT LOAN COUNSELING: TCA'S CERTIFIED COUNSELORS HELPED FEDERAL STUDENT LOAN BORROWERS NAVIGATE THE VARIOUS REPAYMENT OPTIONS AVAILABLE TO DETERMINE THE BEST OPTION FOR EACH SPECIFIC SITUATION. WHETHER USING THE SELF-GUIDED ONLINE SERVICE OR WITH THE AID OF ONE OF OUR REPRESENTATIVES ACTING AS A CONSUMER ADVOCATE, TCA ENSURED THAT EACH CLIENT FIND THE BEST REPAYMENT PLAN AVAILABLE. IN FISCAL YEAR 2023, TCA HELPED 2 CLIENTS ADDRESS THEIR STUDENT LOAN DEBT SITUATIONS BEFORE PAUSING THE SERVICE IN SEPTEMBER 2022. THE COUNSLING SERVICE HAS NOT BEEN RESUMED. 6462622 1 1 0 0 0 0 0 0 1 1 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 1 1 0 0 0 1 25 0 1 77 1 0 0 0 0 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 AL AZ CA CT IL MD MT NH NY OR X LIZ SKEENS 6232666100 20430 N 19TH AVE B155 PHOENIX AZ 850273650 RALPH GILBERTSEN CHAIR 2.00 0.10 X X 0 0 0 DEBORAH HAYNES VICE CHAIR 1.00 0.10 X X 0 0 0 BRENDA BLUNT DIRECTOR 1.00 0.10 X 0 0 0 KERWIN BROWN DIRECTOR 1.00 0.10 X 0 0 0 SHERRY CELAYA DIRECTOR (THRU 02/2023) 1.00 0.10 X 0 0 0 JODY DAVIS DIRECTOR 1.00 0.10 X 0 0 0 JONATHAN FOX DIRECTOR 1.00 0.10 X 0 0 0 ALICE SWEENEY DIRECTOR 1.00 0.10 X 0 0 0 ANDREA WHITE DIRECTOR 1.00 0.10 X 0 0 0 DEL MONTE EDWARDS DIRECTOR 1.00 0.10 X 0 0 0 DAVID RICHARDSON PRESIDENT AND CEO 50.00 0.10 X 231696 0 22681 WENDY ANDERSON CHIEF COMPLIANCE OFFICER 45.00 0.10 X 105794 0 10507 RICHARD MCDANIEL DIRECTOR, FACILITIES & SECURITY 50.00 0.00 X 126579 0 521 STUART DARNELL MANAGER, SOFTWARE DEPARTMENT 45.00 0.00 X 101350 0 10328 HEATHER JONES DIRECTOR, MARKETING 45.00 0.00 X 102145 0 8242 667564 0 52279 5 0 1 0 QXL SECURITY LLC 2211 E HIGHLAND AVENUE SUITE 110 PHOENIX AZ 85016 BUILDING SECURITY 188760 1 2939885 2939885 CREDIT COUNSELING 541990 2970039 2970039 HOUSING COUNSELING 541990 85447 85447 BANKRUPTCY COUNSELING 541990 1794 1794 STUDENT LOAN COUNSELING 541990 721 721 3058001 613458 613458 682186 866542 -184356 -184356 -184356 405639 20957503 347049 13172013 58590 7785490 7844080 7844080 OTHER INCOME 900099 145000 145000 145000 14416068 3058001 0 8418182 403735 223702 180033 3434888 3159945 274943 73169 72571 598 30759 30759 281492 251927 29565 27724 1441 26283 68082 24000 44082 74338 74338 670305 574507 95798 356694 345859 10835 301381 279235 22146 136848 129109 7739 89776 82707 7069 37941 16426 21515 12291 11266 1025 475 475 93001 86269 6732 464897 411966 52931 PUBLIC OUTREACH 433031 433031 BANKING & EFT FEES 107556 98431 9125 LICENSES, FEES, PERMITS 100988 100855 133 POSTAGE & PRINTING 89071 83439 5632 84387 45177 39210 7372829 6462622 910207 0 872239 308264 660862 902720 189234 259480 381724 223918 284796 142368 6546461 6433185 13533426 113276 6561876 27060306 30000 907589 150000 150000 217796 790096 22881953 30858017 685902 569579 510912 187500 660862 902720 0 766096 1857676 2425895 X 20875387 28391608 148890 40514 21024277 28432122 22881953 30858017 7043239 364606 0 X X 0 1 X 1 0 X 3152513 3146583 4028644 2964380 2939885 16232005 4594961 4715603 4358019 3520858 3058001 20247442 7747474 7862186 8386663 6485238 5997886 36479447 680505 695973 663529 651849 661400 3353256 0 680505 695973 663529 651849 661400 3353256 33126191 1905329 1980434 2043926 1952347 1295644 9177680 1905329 1980434 2043926 1952347 1295644 9177680 62559 42144 80347 294597 145000 624647 9715362 9884764 10510936 8732182 7438530 46281774 0.71580 0.71600 0.19830 0.20220 X SCHEDULE A, PART III, LINE 12, EXPLANATION OF OTHER INCOME: OTHER INCOME - 2018 AMOUNT: $ 62,559. 2019 AMOUNT: $ 42,144. 2020 AMOUNT: $ 80,347. 2021 AMOUNT: $ 294,597. 2022 AMOUNT: $ 145,000. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 6562272 3000 590524 50039 7105757 7663396 -1027186 50000 23938 6562272 6226032 1537364 100000 7663396 6044128 300041 100000 18137 6226032 5646188 415386 17446 6044128 1.00000 0.00000 0.00000 0 0 77062 65645 11417 6469399 6367540 101859 113276 SHORT TERM LEASE LIABILITY - OPERATING LEASES 26158 LONG-TERM LEASE LIABILITIES - OPERATING LEASES 739938 766096 X 15603963 364606 31085 395691 15208272 74338 -866542 -792204 14416068 8196118 31085 866542 897627 7298491 74338 74338 7372829 PART IV, LINE 2B: THE ORGANIZATION PROVIDES EDUCATIONAL CREDIT COUNSELING SERVICES AND FACILITATES DEBT MANAGEMENT PAYMENTS ON BEHALF OF ITS CLIENTS. CLIENT PAYMENTS ARE HELD IN TRUST AND SUBSEQUENTLY FORWARDED TO CREDITORS. PART V, LINE 4: THE PURPOSE OF THE FUND IS TO ENABLE THE ORGANIZATION TO FULFILL ITS MISSION MORE COMPLETELY BY DEVELOPING ITS RESOURCES BEYOND WHAT IS POSSIBLE THROUGH ITS ANNUAL OPERATING FUNDS. DISTRIBUTIONS FROM THE FUND; THEREFORE, SHALL BE LIMITED TO: (I) TCA EDUCATION PROGRAMS, AND (II) SUCH OTHER PURPOSES SPECIFICALLY DESIGNATED BY THE TCA BOARD OF DIRECTORS. PART X, LINE 2: TAKE CHARGE AMERICA, INC. QUALIFIES AS A TAX-EXEMPT ORGANIZATION THAT IS NOT A PRIVATE FOUNDATION UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE AND THEREFORE, THERE IS NO PROVISION FOR FEDERAL OR STATE CORPORATE INCOME TAXES. MANAGEMENT OF THE ORGANIZATION DOES NOT BELIEVE THAT ANY UNCERTAIN TAX POSITIONS EXIST AT JUNE 30, 2023 AND 2022. PART XI, LINE 4B - OTHER ADJUSTMENTS: RENTAL EXPENSES RECLASSED TO THE STATEMENT OF REVENUE -866,542. PART XII, LINE 2D - OTHER ADJUSTMENTS: RENTAL EXPENSES RECLASSED TO THE STATEMENT OF REVENUE 866,542. X X X X X 0 0 0 0 0 0 0 1 0 DAVID RICHARDSON PRESIDENT AND CEO 219296 0 12400 0 0 0 9200 0 13481 0 254377 0 0 0 PART I, LINE 7 BONUSES ARE DISCRETIONARY IN NATURE AND ARE AWARDED ON MERIT. THE AMOUNTS ARE DETERMINED BASED ON THE ORGANIZATION MEETING ITS ANNUAL GOALS. BONUSES ARE APPROVED BY THE BOARD OF DIRECTORS. BUILDING AND LAND 2022-12-09 22000000 MARKET APPROACH 873603531 MACK REAL ESTATE GROUP LLC 60 COLUMBUS CIRCLE 20TH FLOOR NEW YORK NY 10023 LLC 0 0 0 0 FORM 990, PART III, LINE 3 TCA SUSPENDED ITS STUDENT LOAN COUNSELING SERVICE IN SEPTEMBER 2022 AND HAS OPTED TO NOT RESUME THE SERVICE. PART III, LINE 4A EDUCATIONAL CREDIT COUNSELING: ESTABLISHED IN 1987, TAKE CHARGE AMERICA (TCA) HAS BECOME A LEADER IN THE FIELD OF NONPROFIT FINANCIAL COUNSELING HAVING HELPED MORE THAN 2.5 MILLION PEOPLE NATIONWIDE. OUR CERTIFIED COUNSELORS HELP TRANSFORM OUR CLIENTS FINANCIAL OUTLOOK WITH ONE-ON-ONE GUIDANCE TO PAY OFF DEBTS, REGAIN FINANCIAL INDEPENDENCE AND SAVE FOR THE FUTURE. TCA IS PROUD TO BE THE DRIVING FORCE BEHIND MANY OF THE INNOVATIONS AND SERVICES THAT SUPPORT CONSUMERS IN FINANCIAL DISTRESS. TCA HAS HELPED CLIENTS MANAGE AND REPAY MORE THAN $6 BILLION IN PERSONAL DEBT AND PROVIDED MUCH-NEEDED GUIDANCE TO MILLIONS THROUGH PUBLIC OUTREACH AND EDUCATION EFFORTS AIMED AT PREVENTING SUCH CHALLENGES FROM DEVELOPING. BEYOND DEBT COUNSELING, TCA ALSO SPECIALIZES IN HUD CERTIFIED COUNSELING AIMED TO PROVIDE FIRST-TIME HOME BUYERS GENERAL EDUCATION, PRE AND POST PURCHASE COUNSELING, RENTAL ASSISTANCE AND DELINQUENCY COUNSELING. IN FISCAL YEAR 2023, TCA SERVED NEARLY 14,250 INDIVIDUALS TO IMPROVE THEIR FINANCIAL WELLBEING, ULTIMATELY LEADING TO A POSITIVE AND SUSTAINABLE ECONOMIC IMPACT. FORM 990, PART VI, SECTION A, LINE 1A THE BOARD OF DIRECTORS, BY RESOLUTION ADOPTED BY A MAJORITY OF THE FULL BOARD, MAY NAME ONE OR MORE OF ITS MEMBERS TO AN EXECUTIVE COMMITTEE. SUCH EXECUTIVE COMMITTEE WILL HAVE AND MAY EXERCISE THE POWERS OF THE BOARD OF DIRECTORS IN THE MANAGEMENT AND AFFAIRS OF THE ORGANIZATION WHILE THE BOARD IS NOT IN SESSION, SUBJECT TO SUCH LIMITATIONS AS MAY BE INCLUDED IN THE BOARD'S RESOLUTION. THE EXECUTIVE COMMITTEE SHALL NOT HAVE THE AUTHORITY OF THE BOARD OF DIRECTORS IN REFERENCE TO THE FOLLOWING MATTERS: (1) THE FILLING OF VACANCIES ON THE BOARD OF DIRECTORS; (2) THE AMENDMENT OR REPEAL OF THE BYLAWS, OR THE ADOPTION OF NEW BYLAWS; AND (3) THE FIXING OF COMPENSATION OF DIRECTORS FOR SERVING ON THE BOARD OR ON ANY COMMITTEE OF THE BOARD OF DIRECTORS. IN THE EVENT A VACANCY OCCURS IN THE EXECUTIVE COMMITTEE, THE VACANCY SHALL BE FILLED BY THE BOARD OF DIRECTORS. A MAJORITY OF THOSE NAMED TO THE EXECUTIVE COMMITTEE WILL CONSTITUTE A QUORUM. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED BY AN INDEPENDENT ACCOUNTING FIRM BASED ON INFORMATION PROVIDED TO THEM BY THE ORGANIZATION'S ACCOUNTING, HUMAN RESOURCES, AND COUNSELING DEPARTMENTS. THE COMPLETED FORM 990 IS REVIEWED BY THE OUTSOURCED FINANCE DIRECTOR, CEO, OFFICERS, AND THE BOARD OF DIRECTORS PRIOR TO BEING FILED. FORM 990, PART VI, SECTION B, LINE 12C ANNUALLY, ALL OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO DISCLOSE ANY BUSINESS OR PERSONAL RELATIONSHIPS THAT COULD BE DEEMED A CONFLICT OF INTEREST. POLICY IS DISCUSSED NO LESS THAN ONCE PER YEAR WITH THE BOARD OF DIRECTORS. THE CONTROLLER MONITORS ALL NEW VENDOR RELATIONSHIPS TO ENSURE COMPLIANCE. RESTRICTIONS ON INDIVIDUALS WITH A CONFLICT OF INTEREST WILL BE DETERMINED ON A CASE-BY-CASE BASIS TO ENSURE SAFEGUARDS ARE APPROPRIATE AND TRANSACTIONS ARE IN THE BEST INTEREST OF THE ORGANIZATION. APPROPRIATE DOCUMENTATION WILL BE RETAINED AS CIRCUMSTANCES WARRANT. FORM 990, PART VI, SECTION B, LINE 15 CEO COMPENSATION IS DETERMINED AND APPROVED BY THE COMPENSATION COMMITTEE FOLLOWING REVIEWS OF AN INDEPENDENT COMPENSATION CONSULTANT REPORT AND FORM 990'S OF COMPARABLE ORGANIZATIONS. WRITTEN ANNUAL GOALS ARE ESTABLISHED EACH YEAR AND USED IN EVALUATING THE CEO'S PERFORMANCE. THE COMMITTEE MEETS AND VOTES ON THE LEVEL OF COMPENSATION THAT IS DEEMED APPROPRIATE. THIS PROCESS IS DOCUMENTED IN THE MINUTES. COMPENSATION OF OTHER OFFICERS AND KEY EMPLOYEES ARE DETERMINED AND APPROVED BY THE COMPENSATION COMMITTEE FOLLOWING REVIEWS OF THE FORM 990'S OF COMPARABLE ORGANIZATIONS. THE COMMITTEE VOTES ON WHAT COMPENSATION IS CONSIDERED APPROPRIATE, AND THE DECISION IS DOCUMENTED. THE PROCESS DESCRIBED HERE WAS LAST COMPLETED IN 2020 FORM 990, PART VI, SECTION C, LINE 19 FINANCIAL STATEMENTS ARE MADE AVAILABLE THROUGH COMPLIANCE WITH STATE FILING REQUIREMENTS. GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY ARE MADE AVAILABLE UPON REQUEST. PART XII, LINE 2C THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. TCA PLAZA II 20620 N 19TH AVE PHOENIX AZ 85027 464882267 OWN TCA LAND AZ 0 0 TAKE CHARGE AMERICA INC TCA PLAZA I 20620 N 19TH AVE PHOENIX AZ 85027 464471478 OWN TCA BUILDING AZ 0 0 TAKE CHARGE AMERICA INC CREDIT COUNSELING SOLUTIONS INC 20430 N 19TH AVE PHOENIX AZ 85027 061427317 CREDIT COUNSELING CT 501(C)(3) LINE 10 TAKE CHARGE AMERICA INC 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0