2025-11-11T17:19:42-06:00 2025-06-30 410746749 CLIFTONLARSONALLEN LLP 20 EAST THOMAS ROAD SUITE 2300 PHOENIX AZ 85012 990 2024-07-01 860593598 TAKE CHARGE AMERICA INC TAKE 6232666100 20430 N 19TH AVE B155 PHOENIX AZ 850273650 MANUEL SALAZAR CEO 6232666100 2025-11-09 1 1 WAYNE M HUNTER P01073139 6022662248 2025-11-09 2024 2025-03-06 01:10:19Z MANUEL SALAZAR 20430 N 19TH AVE B155 PHOENIX AZ 850273650 8711057 0 X WWW.TAKECHARGEAMERICA.ORG X 1987 AZ TO PROVIDE FINANCIAL EDUCATION AND SERVICES TO IMPROVE THE LIVES OF INDIVIDUALS AND FAMILIES. 7 7 99 9 0 0 2826880 1028081 3581866 6838235 1019038 834149 27176 10592 7454960 8711057 0 0 0 0 4208759 3792834 0 0 0 3390221 3054513 7598980 6847347 -144020 1863710 31330752 35408717 2167518 2410735 29163234 32997982 X TAKE CHARGE AMERICA (TCA) PROVIDES FINANCIAL EDUCATION AND SERVICES TO IMPROVE THE LIVES OF INDIVIDUALS AND FAMILIES. 0 1 4566954 0 6835335 EDUCATIONAL CREDIT COUNSELING - SEE SCHEDULE O. 331827 0 2900 HOUSING: TAKE CHARGE AMERICA HELPED NEARLY 625 ARIZONANS IN FISCAL YEAR 2025 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. 4898781 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 0 0 1 1 0 0 0 1 21 0 1 99 1 0 0 0 0 0 0 0 0 0 0 0 0 X 7 7 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 AL AZ CT IL MD MT NH NY OR UT X BECKY MARTIN 6232666206 20430 N 19TH AVE STE B155 PHOENIX AZ 85027 ALICE SWEENEY CHAIR 2.00 0.10 X 0 0 0 DEBORAH HAYNES DIRECTOR 1.00 0.10 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 JODY DAVIS DIRECTOR 1.00 0.10 X 0 0 0 DEL MONTE EDWARDS DIRECTOR (THRU 10/24) 1.00 0.10 X 0 0 0 JONATHAN FOX DIRECTOR 1.00 0.10 X 0 0 0 RALPH GILBERTSEN DIRECTOR 1.00 0.10 X 0 0 0 ANDREA WHITE DIRECTOR (THRU 10/24) 1.00 0.10 X 0 0 0 MANUEL SALAZAR CEO 50.00 0.10 X 271484 0 11805 BECKY MARTIN DIRECTOR OF FINANCE 45.00 0.10 X 110062 0 9113 WENDY ANDERSON CHIEF COMPLIANCE OFFICER 45.00 0.10 X 128137 0 3231 RICHARD MCDANIEL DIRECTOR, FACILITIES & SEC 50.00 0.00 X 123229 0 3981 AMY ROBBINS - ASSOC DIR CREDIT COUNSELING (THRU 12/24) 45.00 0.00 X 100050 0 5462 732962 0 33592 5 0 1 0 0 189267 838814 1028081 CREDIT COUNSELING 541990 6832861 6832861 HOUSING COUNSELING 541990 2900 2900 BANKRUPTCY COUNSELING 541990 2474 2474 6838235 834149 834149 OTHER INCOME 900099 10592 10592 10592 8711057 6838235 0 844741 533832 217942 315890 2855118 2332707 522411 49660 38832 10828 38758 38758 315466 245044 70422 10464 10464 42848 42848 93259 93259 597119 153028 444091 463949 454180 9769 541085 488508 52577 199366 172913 26453 181317 155589 25728 65951 15199 50752 8670 8670 87782 82108 5674 378613 254065 124548 PUBLIC OUTREACH 154074 152574 1500 LICENSES, FEES, PERMITS 123476 36168 87308 DUES & SUBSCRIPTIONS 82940 44758 38182 EQUIPMENT MAINT. REPAIR 19200 7717 11483 4400 21 4379 6847347 4898781 1948566 0 1173415 1676132 1218928 2113024 174119 205862 198847 17783 114987 142400 161174 109592 90314 51582 27419867 30495876 5000 7500 150000 150000 785275 548558 31330752 35408717 354839 361268 187500 168350 897922 1302916 727257 578201 2167518 2410735 X 29163234 32969482 28500 29163234 32997982 31330752 35408717 1863710 1971038 0 X X 0 1 X 1 0 X 1773359 1085948 1352757 1012341 1028081 6252486 6613304 5399290 4645129 5396405 6838235 28892363 8386663 6485238 5997886 6408746 7866316 35144849 663529 651849 661400 646000 774150 3396928 1132341 964351 835547 1066363 1231384 5229986 1795870 1616200 1496947 1712363 2005534 8626914 26517935 2043926 1952347 1295644 827935 834149 6954001 2043926 1952347 1295644 827935 834149 6954001 80347 294597 145000 27176 10592 557712 10510936 8732182 7438530 7263857 8711057 42656562 0.62170 0.72600 0.16300 0.18480 X SCHEDULE A, PART III, LINE 12, EXPLANATION OF OTHER INCOME: OTHER INCOME - 2020 AMOUNT: $ 80,347. 2021 AMOUNT: $ 294,597. 2022 AMOUNT: $ 145,000. 2023 AMOUNT: $ 27,176. 2024 AMOUNT: $ 10,592. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 6984347 3000 807365 7794712 7255757 727044 998454 6984347 6712272 3000 590524 50039 7255757 7763396 -1027186 23938 6712272 6226032 1537364 7763396 1.00000 0.00000 0.00000 0 0 79282 47922 31360 81892 61670 20222 51582 SHORT TERM LEASE LIABILITY - OPERATING LEASES 159958 LONG-TERM LEASE LIABILITIES - OPERATING LEASES 418243 578201 X 10588836 1971038 1971038 8617798 93259 93259 8711057 6754088 0 6754088 93259 93259 6847347 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, 2025 AND 2024. X X X X X 1 0 0 0 0 0 0 1 0 MANUEL SALAZAR CEO 231484 0 40000 0 0 0 6058 0 5747 0 283289 0 0 0 PART I, LINE 4A AMY ROBBINS, ASSOCIATE DIRECTOR OF CREDIT COUNSELING, RECEIVED A SEVERANCE PAYMENT OF $18,144 DURING THE FISCAL YEAR. 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. THE CEO BONUS IS APPROVED BY THE BOARD OF DIRECTORS. STAFF BONUSES ARE DETERMINED BY THE CEO. FORM 990, PART III, LINE 3 THE ORGNAIZATION CEASED CONDUCTING THE STUDENT LOAN COUNSELING PROGRAM DURING THE FISCAL YEAR. 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 2025, TCA SERVED 17,816 INDIVIDUALS TO IMPROVE THEIR FINANCIAL WELLBEING, ULTIMATELY LEADING TO A POSITIVE AND SUSTAINABLE ECONOMIC IMPACT. 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 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 DIRECTOR OF FINANCE 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 2024. 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. FORM 990, PART XII, LINE 2C THIS PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. FORM 990 SCHEDULE D, PART V, LINE 1A THE BEGINNING BALANCE OF THE ENDOWMENT HAS BEEN INCREASED BY $150,000 TO ADJUST FOR PRIOR YEAR UPI FUNDS LENT OUT THAT WERE PREVIOUSLY CLASSIFIED AS EXPENDITURES BUT NOT RELEASED FROM BOARD DESIGNATION. 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 0 0 0 0 0 0