2026-07-16T16:47:04-04:00 2025-12-31 332416013 CLEARPOINT CPAS PC 204 LYNN GARDEN DR KINGSPORT TN 37662 990 2025-01-01 830920796 APPALACHIAN OPPORTUNITY FUND APPA 8003783778 PO BOX 5526 JOHNSON CITY TN 37602 BETH MCCONKEY EXECUTIVE DIRECTOR 4232139089 2026-07-08 FOROOZ G SMALLEY CPA P00174424 4232464062 2026-07-08 2025 2025-03-06 01:10:19Z BETH MCCONKEY PO BOX 5526 JOHNSON CITY TN 37602 494227 false X WWW.AOFCOACHING.NET X 2018 APPALACHIAN OPPORTUNITY FUND PROVIDES FREE, CERTIFIED FINANCIAL COACHING AND FINANCIAL WELLBEING SERVICES TO INDIVIDUALS, FAMILIES, AND EMPLOYER PARTNERS ACROSS NORTHEAST TENNESSEE, HELPING LOW-AND-MODERATE INCOME HOUSEHOLDS ACHIEVE LASTING FINANCIAL STABILITY AND BUILD GENERATIONAL WEALTH IN CENTRAL APPALACHIA. 7 7 8 0 318195 454011 55829 39680 573 536 0 374597 494227 0 0 354019 402806 0 20564 58961 86236 412980 489042 -38383 5185 103214 108399 0 103214 108399 X APPALACHIAN OPPORTUNITY FUND PROVIDES FREE, CERTIFIED FINANCIAL COACHING AND FINANCIAL WELL-BEING SERVICES TO INDIVIDUALS, FAMILIES, AND EMPLOYER PARTNERS ACROSS NORTHEAST TENNESSEE, HELPING LOW-AND-MODERATE INCOME HOUSEHOLDS ACHIEVE LASTING FINANCIAL STABILITY AND BUILD GENERATIONAL WEALTH IN CENTRAL APPALACHIA. APPALACHIAN OPPORTUNITY FUND (AOF) IS A 501(C)3 NONPROFIT ORGANIZATION DEDICATED TO BUILDING FINANCIAL STABILITY AND LONG-TERM ECONOMIC MOBILITY FOR INDIVIDUALS, FAMILIES, AND COMMUNITIES ACROSS NORTHEAST TENNESSEE. AOF OPERATES THROUGH THREE INTEGRATED PROGRAM AREAS: INDIVIDUALIZED FINANCIAL COACHING. AOF PROVIDES FREE, HIGH-INTENSITY, ONE- ON-ONE FINANCIAL COACHING DELIVERED BY AFCPE-CERTIFIED COACHES WHO MEET CLIENTS WHERE THEY ARE - IN WORKPLACES, RECOVERY CENTERS, COMMUNITY PARTNER SITES, AND VIRTUALLY. CLIENTS ENGAGE WITH THEIR COACH AN AVERAGE OF 30 TO 40 TIMES OVER THE COURSE OF A YEAR, DEVELOPING PERSONALIZED PLANS TO REDUCE DEBT, IMPROVE CREDIT, BUILD SAVINGS, NAVIGA false false 428645 39680 THROUGH ITS CERTIFIED FINANCIAL COACHING PROGRAM, AOF INCREASED THE FINANCIAL WELL-BEING OF 1,137 PEOPLE IN NORTHEAST TENNESSEE - SERVING 517 INDIVIDUALS THROUGH DIRECT, ONE-ON-ONE COACHING. COLLECTIVELY, THESE CLIENTS PAID OFF 254,000 IN PREDATORY DEBT, SAVED OR INVESTED 174,000, NEGOTIATED 92,000 IN SAVINGS WITH CREDITORS AND LENDERS, AND GAINED 11,085 POINTS ACROSS THEIR COMBINED CREDIT SCORES. AS ONE COACHING CLIENT SHARED "AT FIRST, MANAGING MONEY FELT OVERWHELMING. I TRIED DIFFERENT SYSTEMS, BUT NOTHING REALLY STUCK. EVERYTHING CHANGED WHEN I STARTED WORKING WITH MY FINANCIAL COACH. SHE HELPED ME SIMPLIFY EVERYTHING - WRITING DOWN MY INCOME, BILLS, AND SPENDING. FOR THE FIRST TIME, I HAD CLARITY. THAT SMALL CHANGE HAS MADE BIG PROGRESS. I BECAME MORE CONFIDENT, MORE DISCIPLINED, AND STARTED TAKING CONTROL OF MY FINANCES. MY CREDIT SCORE INCREASED BY 90 POINTS - PROOF THAT THINGS WERE CHANGING. WITH GUIDANCE FROM MY COACH, I WAS FINALLY APPROVED FOR A MORTGAGE AND CLOSED ON A HOME. FOR THE FIRST TIME, MY KIDS AND I WILL HAVE A PLACE THAT IS TRULY OURS - A HOME FILLED WITH STABILITY, HEALING, AND NEW BEGINNINGS. 132 TO IMPROVE FINANCIAL HEALTH OF ASSET-LIMITED, INCOME-CONSTRAINED PEOPLE IN NORTHEAST TENNESSEE, SOUTHEAST KENTUCKY, AND SOUTHWEST VIRGINIA; TO ENSURE AVAILABILITY AND DEVELOPMENT OF AFFORDABLE HOUSING TO LOW-TO-MODERATE INCOME HOUSEHOLDS IN NORTHEAST TENNESSEE, SOUTHEAST KENTUCKY, AND SOUTHWEST VIRGINIA; AND TO ALLEVIATE POVERTY AND COMBAT COMMUNITY DETERIORATION IN NORTHEAST TENNESSEE, SOUTHEAST KENTUCKY, AND SOUTHWEST VIRGINIA. 132 428777 true true false false false false false false false false true false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false true 0 0 false 8 true false false false false false false false false X 7 7 false false false false false false false true true false false true true true false true false true false false X BETH MCCONKEY 7202716494 376 CLARK PLACE BLOUNTVILLE TN 37617 BETH MCCONKEY EXECUTIVE DI 40.00 X 44485 0 0 CHAD COVERT TREASURER 1.00 X 0 0 0 ANDY DIDYK BOARD MEMBER 1.00 X 0 0 0 AARON DUFFY BOARD MEMBER 1.00 X 0 0 0 JESSE GREEN BOARD MEMBER 1.00 X 0 0 0 ERIC KAO BOARD MEMBER 1.00 X 0 0 0 LEYA MARTINEZ BOARD MEMBER 1.00 X 0 0 0 ABRAHAM MCINTYRE BOARD MEMBER 1.00 X 0 0 0 44485 false false false 454011 454011 FEE REVENUE 39680 39680 39680 536 536 494227 40216 374042 329157 29923 14962 150 132 12 6 28614 25180 2289 1145 1631 1436 130 65 2803 1522 138 1143 6499 5719 520 260 2977 2620 238 119 10296 9060 824 412 723 723 3367 2963 269 135 IT SOFTWARE 31004 27284 2480 1240 WORKSPACE FEES 13441 11828 1075 538 PHOTO/VIDEO 2950 2596 236 118 DUES AND SUBSCRIPTIONS 2845 2504 228 113 7700 6776 616 308 489042 428777 39701 20564 97646 103868 1117 802 100 100 21036 17407 4351 3629 103214 108399 0 0 X 103214 108399 103214 108399 103214 108399 5185 X false false X 142632 130181 231918 318195 454011 1276937 142632 130181 231918 318195 454011 1276937 1276937 1276937 322023 1.00000 1.00000 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 21036 17407 3629 3629 FORM 990 - ORGANIZATION'S MISSION APPALACHIAN OPPORTUNITY FUND PROVIDES FREE, CERTIFIED FINANCIAL COACHING AND FINANCIAL WELL-BEING SERVICES TO INDIVIDUALS, FAMILIES, AND EMPLOYER PARTNERS ACROSS NORTHEAST TENNESSEE, HELPING LOW-AND-MODERATE INCOME HOUSEHOLDS ACHIEVE LASTING FINANCIAL STABILITY AND BUILD GENERATIONAL WEALTH IN CENTRAL APPALACHIA. APPALACHIAN OPPORTUNITY FUND (AOF) IS A 501(C)3 NONPROFIT ORGANIZATION DEDICATED TO BUILDING FINANCIAL STABILITY AND LONG-TERM ECONOMIC MOBILITY FOR INDIVIDUALS, FAMILIES, AND COMMUNITIES ACROSS NORTHEAST TENNESSEE. AOF OPERATES THROUGH THREE INTEGRATED PROGRAM AREAS: INDIVIDUALIZED FINANCIAL COACHING. AOF PROVIDES FREE, HIGH-INTENSITY, ONE- ON-ONE FINANCIAL COACHING DELIVERED BY AFCPE-CERTIFIED COACHES WHO MEET CLIENTS WHERE THEY ARE - IN WORKPLACES, RECOVERY CENTERS, COMMUNITY PARTNER SITES, AND VIRTUALLY. CLIENTS ENGAGE WITH THEIR COACH AN AVERAGE OF 30 TO 40 TIMES OVER THE COURSE OF A YEAR, DEVELOPING PERSONALIZED PLANS TO REDUCE DEBT, IMPROVE CREDIT, BUILD SAVINGS, NAVIGATE MAJOR FINANCIAL DECISIONS, AND ESTABLISH DURABLE FINANCIAL BEHAVIORS THAT CREATE LASTING CHANGE ACROSS GENERATIONS. SINCE 2019, AOF HAS SERVED MORE THAN 2,030 CLIENTS - IMPACTING OVER 4,466 INDIVIDUALS - RESULTING IN MORE THAN 24,000 POINTS OF COLLECTIVE CREDIT SCORE IMPROVEMENT, OVER 1 MILLION IN PREDATORY DEBT ELIMINATED, AND OVER 1 MILLION IN SAVINGS AND INVESTMENTS BUILT. AOF'S MODEL GENERATES AN ESTIMATED 6 IN DEBT REDUCTION OR SAVINGS FOR EVERY 1 DONATED. EMPLOYER FINANCIAL WELL-BEING SERVICES. AOF PARTNERS WITH REGIONAL EMPLOYERS TO PROVIDE WORKPLACE FINANCIAL WELLNESS PROGRAMMING, INCLUDING A VIRTUAL FINANCIAL HELP DESK, GROUP WORKSHOPS, INDIVIDUALIZED COACHING, FINANCIAL WELLBEING NEEDS ASSESSMENTS, AND QUARTERLY IMPACT REPORTING. THESE SERVICES HELP EMPLOYERS REDUCE FINANCIAL STRESS AMONG THEIR WORKFORCE, IMPROVE RETENTION AND PRODUCTIVITY, AND CONNECT EMPLOYEES TO TRUSTED FINANCIAL COACHING RESOURCES. AOF CURRENTLY SERVES EMPLOYER PARTNERS ACROSS NORTHEAST TENNESSEE AND IS EXPANDING THIS PROGRAM TO INCLUDE WORKFORCE DEVELOPMENT ORGANIZATIONS AND HEALTHCARE SECTOR EMPLOYERS. COMMUNITY FINANCIAL EMPOWERMENT RESOURCES. AOF SERVES AS A COMMUNITY FINANCIAL EMPOWERMENT RESOURCE FOR NORTHEAST TENNESSEE, PARTNERING WITH RECOVERY CENTERS, HOUSING AGENCIES, HEALTHCARE PROVIDERS, WORKFORCE PROGRAMS, AND SOCIAL SERVICE ORGANIZATIONS TO CONNECT COMMUNITY MEMBERS TO FINANCIAL COACHING AND EDUCATION. AOF ALSO DEVELOPS AND DISSEMINATES FINANCIAL LITERACY TOOLS, RESOURCES, AND WORKSHOPS ACCESSIBLE TO THE BROADER PUBLIC, BUILDING THE FINANCIAL CAPABILITY INFRASTRUCTURE NEEDED FOR LONG-TERM REGIONAL ECONOMIC HEALTH. AOF'S VISION IS A CENTRAL APPALACHIAN REGION WHERE EVERY FAMILY - REGARDLESS OF INCOME, CREDIT HISTORY, OR LIFE CIRCUMSTANCE - HAS ACCESS TO THE TRUSTED FINANCIAL GUIDANCE, SKILLS, AND SUPPORT NEEDED TO ACHIEVE STABILITY AND BUILD LASTING PROSPERITY. FORM 990, PAGE 2, PART III, LINE 4A THROUGH ITS CERTIFIED FINANCIAL COACHING PROGRAM, AOF INCREASED THE FINANCIAL WELL-BEING OF 1,137 PEOPLE IN NORTHEAST TENNESSEE - SERVING 517 INDIVIDUALS THROUGH DIRECT, ONE-ON-ONE COACHING. COLLECTIVELY, THESE CLIENTS PAID OFF 254,000 IN PREDATORY DEBT, SAVED OR INVESTED 174,000, NEGOTIATED 92,000 IN SAVINGS WITH CREDITORS AND LENDERS, AND GAINED 11,085 POINTS ACROSS THEIR COMBINED CREDIT SCORES. AS ONE COACHING CLIENT SHARED "AT FIRST, MANAGING MONEY FELT OVERWHELMING. I TRIED DIFFERENT SYSTEMS, BUT NOTHING REALLY STUCK. EVERYTHING CHANGED WHEN I STARTED WORKING WITH MY FINANCIAL COACH. SHE HELPED ME SIMPLIFY EVERYTHING - WRITING DOWN MY INCOME, BILLS, AND SPENDING. FOR THE FIRST TIME, I HAD CLARITY. THAT SMALL CHANGE HAS MADE BIG PROGRESS. I BECAME MORE CONFIDENT, MORE DISCIPLINED, AND STARTED TAKING CONTROL OF MY FINANCES. MY CREDIT SCORE INCREASED BY 90 POINTS - PROOF THAT THINGS WERE CHANGING. WITH GUIDANCE FROM MY COACH, I WAS FINALLY APPROVED FOR A MORTGAGE AND CLOSED ON A HOME. FOR THE FIRST TIME, MY KIDS AND I WILL HAVE A PLACE THAT IS TRULY OURS - A HOME FILLED WITH STABILITY, HEALING, AND NEW BEGINNINGS. FORM 990, PAGE 2, PART III, LINE 4D TO IMPROVE FINANCIAL HEALTH OF ASSET-LIMITED, INCOME-CONSTRAINED PEOPLE IN NORTHEAST TENNESSEE, SOUTHEAST KENTUCKY, AND SOUTHWEST VIRGINIA; TO ENSURE AVAILABILITY AND DEVELOPMENT OF AFFORDABLE HOUSING TO LOW-TO-MODERATE INCOME HOUSEHOLDS IN NORTHEAST TENNESSEE, SOUTHEAST KENTUCKY, AND SOUTHWEST VIRGINIA; AND TO ALLEVIATE POVERTY AND COMBAT COMMUNITY DETERIORATION IN NORTHEAST TENNESSEE, SOUTHEAST KENTUCKY, AND SOUTHWEST VIRGINIA. FORM 990, PAGE 6, PART VI, LINE 11B AOF'S FINANCE COMMITTEE, MADE UP OF 3 MEMBERS OF THE BOARD OF DIRECTORS, REVIEWED AND APPROVED THE 990 AND ITS ATTACHED SCHEDULES BEFORE FILING, AND ALL MEMBERS OF THE BOARD RECEIVED A COPY OF THE 990 VIA EMAIL BEFORE IT WAS FILED. FORM 990, PAGE 6, PART VI, LINE 15A THE COMPENSATION WAS DETERMINED BY THE AOF BOARD WHOSE MEMBERS HAD NO CONFLICT OF INTEREST REGARDING THE ROLE. THE ORGANIZATION LOOKED AT COMPENSATION PAID BY SIMILARLY SITUATED ORGANIZATIONS (BOTH TAXABLE AND TAX-EXEMPT) FOR FUNCTIONALLY COMPARABLE POSITIONS. THE BOARD DOCUMENTED THEIR DELIBERATIONS AND DECISIONS AT THE TIME THEY MADE THEM VIA EMAIL. FORM 990, PAGE 6, PART VI, LINE 19 POLICIES ARE AVAILABLE UPON REQUEST.