2026-09-24T15:17:00-07:00 2025-12-31 201147648 MATRANGA & COMPANY AN ACCOUNTANCY CORP 6255 LUSK BLVD 150 SAN DIEGO CA 92121 990 2025-01-01 912156504 DEBTWAVE CREDIT COUNSELING INC DBA SAN DIEGO FINANCIAL LITERACY CENT DEBT 8886864040 1835A S CENTRE CITY PARKWAY 508 ESCONDIDO CA 92025 ANTONY MURIGU Chairman 2026-09-24 true JOSEPH E MATRANGA P00044158 8585588100 2025 1835A S CENTRE CITY PARKWAY 508 ESCONDIDO CA 92025 3225841 false X WWW.DEBTWAVE.ORG. WWW.SDFLC.ORG X 2001 CA IT IS OUR COMMITMENT TO EDUCATE ON THE PROPER USE OF CREDIT THROUGH BUDGET MANAGEMENT, TO OFFER SOUND COUNSELING AND TO ASSIST CLIENTS TO REDUCE AND ELIMINATE DEBT. WE EDUCATE AND EMPOWER INDIVIDUALS AND FAMILIES TO MAKE SOUND FINANCIAL DECISIONS AND DEVELOP POSITIVE PERSONAL FINANCE HABITS FOR LIFE. 7 7 20 75 0 544551 1016935 2113486 2193906 0 -53076 -33767 2604961 3177074 20000 17000 0 1517191 1283694 0 0 1073549 1348810 2610740 2649504 -5779 527570 421176 958697 311353 321304 109823 637393 IT IS OUR COMMITMENT TO EDUCATE ON THE PROPER USE OF CREDIT THROUGH BUDGET MANAGEMENT, TO OFFER SOUND COUNSELING AND TO ASSIST CLIENTS TO REDUCE AND ELIMINATE DEBT. WE EDUCATE AND EMPOWER INDIVIDUALS AND FAMILIES TO MAKE SOUND FINANCIAL DECISIONS AND DEVELOP POSITIVE PERSONAL FINANCE HABITS FOR LIFE. false false 2136671 2193906 THE ORGANIZATION PROVIDES ONE ON ONE COUNSELING SESSIONS FOR THEIR CLIENTS. THROUGH THIS SERVICE, EACH CLIENT RECEIVES A DETAILED REVIEW OF ALL LIABILITIES, ASSETS, MONTHLY EXPENSES AND MONTHLY INCOME. AT THE CONCLUSION OF EACH SESSION CLIENTS RECEIVE A DETAILED FINANCIAL ANALYSIS REPORT WITH A LIST OF POSSIBLE OPTIONS TO PAY BACK THEIR DEBT. 2,173 COUNSELING SESSIONS WERE COMPLETED IN 2025. 48767 17000 78580 THE ORGANIZATION HAS A ROBUST EDUCATION AND OUTREACH WHICH IS BUILT AROUND A COMPREHENSIVE PERSONAL FINANCIAL EDUCATION PLATFORMTHAT FOCUSES ON THE OVERALL FINANCIAL HEALTH OF ITS CONSTITUENTS, INCLUDING MEMBERS OF THE MILITARY, YOUTH AND LOW-MODERATE INCOME FAMILIES. THE ORGANIZATION USES A MACRO APPROACH TOWARD TRANSFORMING PEOPLE'S FINANCIAL BEHAVIOR IN A WAY THAT ENCOURAGES THEM TO MAKE A LONG-TERM COMMITMENT TO INCREASING INCOME, DECREASING EXPENSES AND ACQUIRING ASSETS.THE ORGANIZATION PROVIDES SERVICES ACROSS KEY AREAS: FINANCIAL LITERACY, DEBT MANAGEMENT,BUDGETING AND CREDIT COUNSELING WHICH ARE INTEGRATED TOGETHER ALONG WITH ANCILLARY SERVICES PROVIDED BY COMMUNITY PARTNERS IN THE AREAS OF EMPLOYMENT/WORKFORCE DEVELOPMENT AND FINANCIAL EDUCATION/ADVISEMENT. ALL OF THESE SERVICES ARE PROVIDED TO CLIENTS IN A BUNDLED FASHION TO REINFORCE ONE ANOTHER AND TO FORGE A MULTI-FACETED APPROACH TO OVERALL FINANCIAL FITNESS. 2185438 true true false false false false false false true false true false false false false false false false false false false false false false true false false true false true false false false false false false false false false false false false false false false false false true 0 0 false 20 true false false false false false false false 0 false false false false false false false X 7 7 true false false false false false false true true false false false true true true true true true true false X X X MICHELLE HAMM 8882857624 1835A S CENTRE CITY PARKWAY 508 ESCONDIDO CA 92025 MICHAEL MARSDEN Executive Dir. 40.00 0.00 X X 196864 0 0 MICHELLE HAMM DIRECTOR OF ADMINISTRATION 40.00 0.00 162444 0 0 ANTONY MURIGU Chairman 5.00 0.00 X X 0 0 0 MICHAEL S BUTSKO Vice President 1.00 0.00 X X 0 0 0 DOUG TOKARIK Secretary 1.00 0.00 X X 0 0 0 JAMES MARSH BOARD MEMBER 1.00 0.00 X 0 0 0 JOHN CASARIETTI Treasurer 1.00 0.00 X X 0 0 0 BRIANNA LEISSOO BOARD MEMBER 1.00 0.00 X 0 0 0 359308 2 false true false ZENSIFI LLC 1926 E 30TH STREET OAKLAND CA 94606 CONSULTING 461000 WORTHYYCOM 3542 FRUITVALE AVE SUITE 334 OAKLAND CA 94602 ADVERTISING 183000 2 78580 578355 360000 1016935 DEBT MANAGEMENT PRGM FEES 2193906 2193906 2193906 0 0 0 0 0 78580 48767 -48767 -48767 0 0 LICENSING FEES 900099 15000 15000 15000 3177074 2208906 -48767 17000 17000 0 0 0 359308 287446 71862 0 825430 660344 165086 0 0 98956 79165 19791 0 15287 12230 3057 32437 25950 6487 0 0 0 218026 174421 43605 466279 373969 92310 861 689 172 35540 28432 7108 0 674 539 135 485 483 2 0 0 52 42 10 0 26133 20906 5227 126113 100890 25223 SOFTWARE FEES 127832 127832 CLIENT SERVICE FEES 124834 124834 LICENSES AND PERMITS 54301 54301 INTERNET/WEB HOSTING 44908 35926 8982 75048 60039 15009 2649504 2185438 464066 0 364386 928040 0 0 0 0 0 0 0 0 382332 351675 56790 30657 0 0 0 0 0 421176 958697 311353 321304 311353 321304 X 109823 637393 109823 637393 421176 958697 527570 X false true X true false X 1385995 487572 591200 431300 938355 3834422 3876654 2752399 2236397 2113486 2193906 13172842 0 0 0 5262649 3239971 2827597 2544786 3132261 17007264 300 100 400 784612 407600 337448 360404 229354 2119418 784612 407900 337548 360404 229354 2119818 14887446 0 0 0 0 5262649 3239971 2827597 2544786 3132261 17007264 0.87540 0.88360 0.00000 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false true X 130651 122749 7902 251681 228926 22755 30657 Part IV, Line 2b: Explanation of escrow account liability THE ORGANIZATION MAINTAINS TRUST FUND ACCOUNTS AS PART OF THE DEBT MANAGEMENT SERVICES IT PROVIDES TO ITS CLIENTS. MONIES COLLECTED FROM CLIENTS ARE HELD FOR THREE BUSINESS OR UNTIL THEY CLEAR FROM THE BANK. THE ORGANIZATION THEN DISBURSES FUNDS TO THE CLIENT'S CREDITORS. CLIENTS ARE ENTITLED TO REFUNDS IF THE FUNDS HAVE NOT YET BEEN DISBURSED TO CREDITORS. CLIENTS CAN TERMINATE THEIR PARTICIPATION IN THE DEBT MANAGMENT PROGRAM AT ANY TIME AND RECEIVE A REFUND OF ANY NON-DISBURSED FUNDS. CLIENTS HAVE ONLINE ACCESS 24 HOURS A DAY, SEVEN DAYS A WEEK, TO VIEW THEIR ACCOUNT ACTIVITY AND TO SEE WHICH CREDITORS AND FEES HAVE BEEN PAID. CLIENTS HAVE THE OPTION OF EITHER E-MAIL OR REGULAR MAIL STATEMENTS TO VIEW THEIR TRUST ACCOUNT ACTIVITY AND BALANCE. X false GOLF TOURNAMENT 78580 78580 16049 12635 12163 2095 5825 78580 78580 16049 12635 12163 2095 5825 48767 -48767 false COLON CANCER COALITION 2950 XENIUM LANE N MINNEAPOLIS MN 55441 8500 0 FIGHT COLORECTAL CANCER 134 PARK CENTRAL SQUARE SPRINGFIELD MO 65806 8500 0 0 2 false false false false false false false false false MICHAEL MARSDEN Executive Dir. 196864 196864 MICHELLE HAMM DIRECTOR OF ADMINISTRATION 162444 162444 TRIPLE THREE INC CHAIRMAN IT CONSULTING FEES false Form 990, Part VI, Section A, Line 2 MICHAEL BUTSKO MANAGES A RETIREMENT ACCOUNT FOR MICHAEL MARSDEN. Form 990, Part VI, Section B, Line 11b THE BOARD OF DIRECTORS AND THE ACCOUNTING TEAM MEET TO REVIEW AND COMPARE THE AUDITED FINANCIAL STATEMENTS, THE INTERNALLY-PREPARED FINANCIAL STATEMENTS AND THE FORM 990. ALL QUESTIONS AND DISCREPANCIES ARE REVIEWED AND DISCUSSED AND THE CPA FIRM IS CONSULTED ON ANY UNRESOLVED QUESTIONS AND CONCERNS. Form 990, Part VI, Section B, Line 12c THE ORGANIZATION'S MANAGERS DISCUSS ALL CONFLICTS OF INTEREST AT ITS SEMI-ANNUAL MANAGEMENT REVIEW MEETINGS. THE BOARD OF DIRECTORS MONITORS THE CONFLICT OF INTEREST POLICY BY DISCUSSING POSSIBLE CONFLICTS AT ITS SEMI-ANNUAL BOARD MEETINGS. THE BOARD ENFORCES THE POLICY BY HAVING MEMBERS ABSTAIN FROM ANY VOTE WHERE THERE IS A CONFLICT OR POSSIBLE CONFLICT OF INTEREST. Form 990, Part VI, Section B, Line 15b ALL PAYROLL IS PAID BY DEBTWAVE CREDIT COUNSELING, INC. THERE IS A COMPENSATION RANGE FOR ALL JOB TITLES AND JOB HIRES AND USES PUBLIC SALARY PROFILES FOR COMPARATIVE ANALYSIS REGARDING COMPENSATION FOR KEY PERSONNEL. Form 990, Part VI, Section C, Line 19 ALL GOVERNING DOCUMENTS, POLICIES AND FINANCIAL STATEMENTS ARE AVAILABLE FOR REVIEW AT THE ORGANIZATION'S SAN DIEGO, CALIFORNIA OFFICE DURING WEEKDAYS FROM 7 AM TO 6 PM. COPIES ARE AVAILABLE AT NO CHARGE TO INDIVIDUALS WHO REQUEST THEM IN PERSON. COPIES ARE PROVIDED FOR A NOMINAL CHARGE TO PERSONS WHO CONTACT THE ORGANIZATION BY PHONE, E-MAIL OR REGULAR MAIL AND REQUEST A COPY BE MAILED TO THEM.