2026-09-01T12:38:24-07:00 2025-12-31 990 2025-01-01 940401313 LUSO-AMERICAN FINANCIAL A FRATERNAL BENEFIT SOCIETY LUSO 9258284884 7080 Donlon Way Suite 200 Dublin CA 94568 Sue Nichols Controller 9258284884 2026-09-01 2025 SUE NICHOLS 7080 DONLON WAY STE 200 DUBLIN CA 94568 13845828 0 X https://www.luso-american.org X 1957 CA LUSO AMERICAN FINANCIAL is a fraternal benefit society serving over 19,000 members, issuing at least two of its publications a year. The Society provides life and annuity products for its members. 10 0 24 1800 0 0 0 0 5594171 5689808 7100072 7130439 496230 404007 13190473 13224254 0 0 10037992 10739392 1026124 1217711 0 0 0 2912465 2449149 13976581 14406252 -786108 -1181998 141688736 142663206 138073767 140230238 3614969 2432968 LUSO AMERICAN FINANCIAL is a fraternal benefit society serving over 19,000 members and issues two of its publications a year. The Society provides life and annuity products for our particular ethnic group (Portuguese-Americans) in an organizational structure allowing fraternal, cultural, charitable, humanitarian, educational and social activities for the betterment of our policyholders, members and other local, national and international communities. 0 0 12736137 0 0 LUSO AMERICAN FINANCIAL is a fraternal benefit society serving over 19,000 members and issues two of its publications a year. The Society provides life and annuity products for our particular ethnic group (Portuguese-Americans) in an organizational structure allowing fraternal, cultural, charitable, humanitarian, educational and social activities for the betterment of our policyholders, members and other local, national and international communities. 0 0 0 12736137 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 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 0 0 1 2010 0 1 24 1 0 0 0 0 0 0 0 0 X 10 0 0 0 0 0 1 1 0 1 1 0 1 1 0 1 0 1 1 1 0 1 0 CA X Sue Nichols 9258284884 7080 Donlon Way Suite 200 Dublin CA 94568 Sue Nichols Controller 40 0 X X 220074 0 0 Daniel Sequeira Senior Sales Agent 40 0 X 119861 0 0 Esther Mahler Corporate Secretary 40 0 X 116954 0 0 Mina Grosso Board Member 4 0 X 0 0 0 Maritana Guadalupe Board Member 4 0.00 X 0 0 0 Judy Mottini Board Member 4 0 X 0 0 0 Dan Rocha Board Member 4 0 X 0 0 0 Tina Medeiros Board Member 4 0 X 0 0 0 John Perdigao Board Member 4 0 X 0 0 0 Anthony G Sozinho Chair Member 4 0 X 0 0 0 Manuel Vieira Board Member 4 0 X 0 0 0 Liz Motta Board Member 4 0 X 0 0 0 456889 0 0 3 0 1 0 David Sasseen 236 N Santa Cruz Ave Ste 237A Los Gatos CA 950307259 Legal Services 160489 AQS Asset Management 5806 Mesa Drive Suite 220 Austin TX 78731 Financial 113401 2 0 Life Insurance and Annuity Premiums 524113 5689808 5689808 0 0 0 0 0 0 5689808 7430439 7430439 0 0 0 0 0 0 0 0 0 0 598058 0 321574 0 276484 0 276484 276484 0 0 0 0 300000 0 -300000 0 -300000 -300000 0 0 Asset Value Change 900099 51105 51105 0 0 Miscellaneous Income 900099 95 95 0 0 IMR Income 900099 76323 76323 0 0 0 0 0 0 127523 13224254 13224254 0 0 10739392 10739392 456889 0 456889 0 0 0 0 0 535146 0 535146 0 47502 0 47502 0 86304 0 86304 0 91870 0 91870 0 262671 0 262671 0 189733 0 189733 0 145556 145556 0 0 21364 21364 0 0 101751 101751 0 0 131361 131361 0 0 141836 141836 0 0 22350 22350 0 0 577774 577774 0 0 11364 11364 0 0 89902 89902 0 0 Asset Value Change 23036 23036 0 0 Insurance Dept. Licenses & Fees 141898 141898 0 0 588553 588553 0 0 14406252 12736137 1670115 0 357456 244815 6394132 3030321 0 0 1864453 1781631 0 0 0 0 16607184 15715482 0 0 0 0 6482389 4017164 2595725 2465225 112184776 117778232 0 0 0 0 0 0 1685010 1647500 141688736 142663206 427542 258849 0 0 72849 77576 0 0 0 0 0 0 0 0 0 0 137573376 139893813 138073767 140230238 X 0 0 0 0 3614969 2432968 3614969 2432968 141688736 142663206 X -1181998 0 0 0 0 -3 X 0 1 X 1 0 0 0 0 0 5290110 2824885 2465225 0 0 0 0 0 1192279 1192279 0 0 0 0 0 2465225 0 Aggregate Reserve 136127633 AVR 1460123 Deposit Type Contracts 670310 Contract Claims 1256319 IMR 121102 Aggregate Reserve - Others 258326 139893813 0 0 0 Sue Nichols Controller 220074 0 0 0 0 0 0 0 0 0 220074 0 0 0 Daniel Sequeira Senior Sales Agent 119861 0 0 0 0 0 0 0 0 0 119861 0 0 0 Esther Mahler Corporate Secretary 116954 0 0 0 0 0 0 0 0 0 116954 0 0 0 Form 990, Part VI, Section A, Line 6 As a fraternal, the Society relies on members and lodges. Form 990, Part VI, Section A, Line 7a Members choose the delegates to the National Convention. Delegates nominate the board members. Form 990, Part VI, Section B, Line 11b Form 990 is prepared by the consulting accountants using the annual statement and shared with the Secretary, Controller, and Audit Committee. Form 990, Part VI, Section B, Line 12c There aren't services required, nor financial transactions accepted with officers, directors, trustees or other key employees without the previous approval of the Board. Form 990, Part VI, Section B, Line 15 The Society's Board follows a formal process of interviews, evaluations, discussion and a final determination in hiring and establishing compensation and benefits packages for key employees. Form 990, Part VI, Section C, Line 19 The Society's documents are available either by request or on the Society's website. Form 990, Part XI, Line 9 There are rounding adjustments between the Liability page and Summary of Operations. This Form 990 is not late. A request for an extension was requested on 3/26/2026 and granted by the IRS on 3/26/2026.