Nonprofit · EIN 20-0152720
INCHARGE EDUCATION FOUNDATION INC
Tax-exempt · ORLANDO, FL 32819
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $6,237,222 | $6,337,585 | -$100,363 | $8,051,873 | $302,928 | $7,748,945 |
| December 31, 2023 | 990 | $7,406,036 | $6,015,204 | $1,390,832 | $8,050,094 | $286,223 | $7,763,871 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $6,053,035
- Investment income
- $184,187
- Net gain from sales of assets
- -$30,944
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $129,905
- Other salaries and wages
- $2,689,299
- Salaries, compensation and benefits (total)
- $3,446,476
- Professional fundraising fees
- $0
- Legal fees
- $191,087
- Accounting fees
- $16,502
- Travel
- $3,630
- Depreciation
- $280,766
- Program services (functional)
- $5,564,925
- Management and general (functional)
- $772,660
Balance sheet and other
- Total assets, start of year
- $8,050,094
- Total assets, end of year
- $8,051,873
- Total liabilities, end of year
- $302,928
- Net assets, end of year
- $7,748,945
- Land, buildings and equipment
- $502,154
- Publicly traded securities
- $4,581,725
- Net assets without donor restrictions
- $7,748,945
- Gross unrelated business income
- $516,371
- Gross receipts
- $6,937,024
- Employees
- 32
- Volunteers
- 1
- Year formed
- 2003
- State of legal domicile
- DE
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | From related orgs | Other / benefits |
|---|---|---|---|---|---|
| LORETTA RONEY | CEO Officer | 2 | $0 | $388,723 | $26,032 |
| KAREN CARLSON | PRESIDENT Key employee | 9 | $197,878 | $0 | $29,148 |
| SEIJI SHIRAISHI | DIR. OF ACCOUNTING AND FINANCE Officer | 1 | $174,751 | $0 | $30,192 |
| MIRIAN NACCARATTO | DIRECTOR OF HUMAN RESOURCES Key employee | 5 | $168,394 | $0 | $6,092 |
| BILLY SEXTON | DIRECTOR OF IT INFRASTRUCTURE Highest-paid employee | 1 | $149,443 | $0 | $17,248 |
| SHAWN WALSH | VP OF RELATIONSHIP UNTIL AUGUST Officer | 14 | $147,640 | $0 | $18,856 |
| AHMED MOYEEN | SR. SOFTWARE ENGINEER Highest-paid employee | 1 | $123,012 | $0 | $15,108 |
| MONETTE P MUDIE | SR. SOFTWARE ENGINEER Highest-paid employee | 1 | $114,302 | $0 | $19,234 |
| SHERANA BAKHSH | PMO/QUALITY ASSURANCE MANAGER Highest-paid employee | 1 | $116,181 | $0 | $8,098 |
| JEFF ROHRER | LEAD SENIOR FINANCIAL DATA ANALYST Highest-paid employee | 1 | $114,118 | $0 | $1,198 |
| JAMES HARRIS | TRUSTEE Trustee or director | 1 | $750 | $0 | $0 |
| TIM BLYTHE | TRUSTEE Trustee or director | 1 | $700 | $0 | $0 |
| MONIKA WILCZAK | TRUSTEE AS OF DEC. Trustee or director | 1 | $0 | $700 | $0 |
| ROBERT RUIZ | TRUSTEE AS OF MARCH Trustee or director | 1 | $0 | $700 | $0 |
| ROBERT GALL | TRUSTEE UNTIL FEB. Trustee or director | 1 | $0 | $0 | $0 |
990 for the year ended December 31, 2023: 16 people
| Name | Title | Hours / week | Compensation | From related orgs | Other / benefits |
|---|---|---|---|---|---|
| ETTA W MONEY | SECRETARY/TREASURER UNTIL MAY Officer | 3 | $0 | $214,007 | $25,206 |
| LORETTA RONEY | PRESIDENT & CEO AS OF JUNE Officer | 9 | $0 | $224,219 | $9,006 |
| KAREN CARLSON | SR. DIR. OF EDUC/DIG. MKT. Key employee | 11 | $188,874 | $0 | $30,667 |
| RICARDO VIERA | SR. DIR. OF INFORMATION TECH. Key employee | 9 | $158,659 | $0 | $30,396 |
| SHAWN WALSH | SR. DIR. OF BUSINESS DEV. Key employee | 9 | $154,226 | $0 | $32,350 |
| SEIJI SHIRAISHI | DIR. OF ACCOUNTING AND FINANCE Officer | 7 | $101,554 | $35,219 | $29,251 |
| WILLIAM R MALSEED | PRESIDENT UNTIL MAY Officer | 3 | $0 | $129,815 | $10,387 |
| BILLY SEXTON | NETWORK ADMINISTRATOR Highest-paid employee | 1 | $122,273 | $0 | $15,544 |
| AHMED MOYEEN | SR. SOFTWARE ENGINEER Highest-paid employee | 1 | $119,213 | $0 | $15,357 |
| MONETTE P MUDIE | SR. SOFTWARE ENGINEER Highest-paid employee | 1 | $110,597 | $0 | $19,832 |
| SHERANA BAKHSH | BUS. SYS. ANALYST/QA LEAD Highest-paid employee | 1 | $113,018 | $0 | $7,928 |
| ROBERT SMITH | MS SQL DATABASE & BI DEVELOPER Highest-paid employee | 1 | $105,062 | $0 | $13,472 |
| RICHARD ANDERSON | TRUSTEE UNTIL MARCH Trustee or director | 1 | $0 | $0 | $0 |
| JAMES HARRIS | TRUSTEE Trustee or director | 1 | $0 | $0 | $0 |
| ROBERT GALL | TRUSTEE AS OF JUNE Trustee or director | 1 | $0 | $0 | $0 |
| TIM BLYTHE | TRUSTEE AS OF JUNE Trustee or director | 1 | $0 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 5750 MAJOR BLVD 310, ORLANDO, FL 32819-7946
- In care of
- % MIRIAN NACCARATTO
- Principal officer (990 for 2024)
- MIRIAN NACCARATTO, 5750 MAJOR BLVD 310, ORLANDO, FL 32819
- Signed the 990
- MIRIAN NACCARATTO, CURRENT PRESIDENT
- Phone
- (407) 291-7770
- Website
- WWW.INCHARGEFOUNDATION.ORG
- Return prepared by
- JM&M
Mission
THE FOUNDATION OPERATES FOR THE BENEFIT OF INCHARGE DEBT SOLUTIONS ("IDS") BY PROVIDING FINANCIAL EDUCATION PROGRAMS AND MATERIALS TO INDIVIDUALS PARTICIPATING IN CREDIT, BANKRUPTCY AND HOUSING COUNSELING PROGRAMS, AS WELL AS MARKETING AND IT SUPPORT FOR IDS PROGRAMS. THE FOUNDATION ALSO PROVIDES EDUCATIONAL PRODUCTS AND SERVICES TO THE GENERAL PUBLIC AND CONDUCTS NUMEROUS OUTREACH SEMINARS WITH IDS WHICH ARE AIMED AT IMPROVING THE FINANCIAL LITERACY OF ATTENDEES.
Program accomplishments
- EDUCATIONAL PROGRAM DEVELOPMENT/SUPPORT AND OUTREACH - THE FOUNDATION SUPPORTS IDS' MISSION OF PROVIDING EDUCATION FOR IDS FINANCIALLY DISTRESSED INDIVIDUALS AND FAMILIES. THE FOUNDATION FULFILLS THIS MISSION BY PUBLISHING WEBSITE ARTICLES, NEWSLETTERS, ONLINE COURSES, INTERACTIVE TOOLS, AND WORKSHOPS THAT PROVIDE INFORMATION ABOUT MONEY MANAGEMENT, PERSONAL FINANCE AND THE RESPONSIBLE USE OF CREDIT. THE FOUNDATION, IN CONJUNCTION WITH IDS, ALSO CONDUCTS FREE FINANCIAL LITERACY WORKSHOPS AND HOMEBUYER EDUCATION CLASSES FOR THE GENERAL PUBLIC. DURING 2024, 2,023 INDIVIDUALS ATTENDED EDUCATIONAL WORKSHOPS AND CLASSES. MILITARY MONEY, A FINANCIAL LITERACY OUTREACH INITIATIVE, PROVIDES FREE FINANCIAL EDUCATION AND TOOLS SUCH AS ONLINE ARTICLES, EBOOKS AND RADIO CLIPS TO SERVICE MEMBERS, VETERANS AND THEIR FAMILIES. MILITARY MONEY RESOURCES CAN BE FOUND AT INCHARGE.ORG/MILITARY-MONEY AND MILITARYMONEY.COM, AND INCLUDE INFORMATION, INSPIRATION AND TOOLS TO HELP SERVICE MEMBERS MAXIMIZE THEIR PERSONAL FINANCIAL POTENTIAL. MILITARY WEBSITE ARTICLES WERE ATTRACTED OVER 254,000 VISITORS. "MILITARY MONEY MINUTES" ARE RADIO CLIPS OFFERING TIMELY ONE-MINUTE FINANCIAL TIPS. THE TIPS ARE BROADCAST SIX TIMES PER DAY ON THE ARMED FORCES RADIO NETWORK AND HAVE A REACH OF A QUARTER MILLION SERVICE MEMBERS. "MILITARY MONEY MINUTES" ARE ALSO MADE AVAILABLE AS PODCASTS ON ITUNES AND OTHER WEBSITES. IN ADDITION, THE FOUNDATION PROVIDES I.T. AND MARKETING SUPPORT FOR THE CREDIT, BANKRUPTCY AND HOUSING COUNSELING PROGRAMS CONDUCTED BY IDS. I.T. SUPPORT CONSISTS OF HARDWARE INFRASTRUCTURE/MAINTENANCE, TELEPHONY SERVICES, SECURITY COMPLIANCE AND SOFTWARE DEVELOPMENT AND RELATED MAINTENANCE. MARKETING SUPPORT INCLUDES WEBSITE DEVELOPMENT AND SUPPORT SERVICES AND ESTABLISHMENT AND MAINTENANCE OF COMMUNICATION CHANNELS DESIGNED TO REACH CONSUMERS WHO CAN MOST BENEFIT FROM THE COUNSELING PROGRAMS CONDUCTED BY IDS. TO HELP ACCOMPLISH ITS MISSION, THE FOUNDATION CONTINUALLY SEEKS PARTNERSHIPS WITH OTHER ORGANIZATIONS.Expenses $5,564,925 · revenue $5,536,664
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Check at the IRS |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 20-0152720
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Supporting organization (509(a)(3))
- Donations deductible (Pub 78)
- Supporting organization of unknown type
- Exempt since
- 2007
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Human services (P51)
- Assets (IRS master file)
- $7,525,861
- Income (IRS master file)
- $10,033,137
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $6,237,222 | $6,337,585 | $8,051,873 | XML |
| 990-T | December 2024 | – | – | – | IRS |
| 990 | December 2023 | $7,406,036 | $6,015,204 | $8,050,094 | XML |
| 990-T | December 2023 | – | – | – | IRS |
| 990 | December 2022 | $5,191,200 | $5,221,635 | $5,398,425 | IRS |
| 990-T | December 2022 | – | – | – | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990-T | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990-T | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 20-0152720).
Questions about INCHARGE EDUCATION FOUNDATION INC
- What is the EIN of INCHARGE EDUCATION FOUNDATION INC?
- The employer identification number (EIN) of INCHARGE EDUCATION FOUNDATION INC is 20-0152720.
- Is INCHARGE EDUCATION FOUNDATION INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2007.
- Are donations to INCHARGE EDUCATION FOUNDATION INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Supporting organization of unknown type).
- Which annual return does INCHARGE EDUCATION FOUNDATION INC file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of INCHARGE EDUCATION FOUNDATION INC due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did INCHARGE EDUCATION FOUNDATION INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of INCHARGE EDUCATION FOUNDATION INC?
- The 990 for the year ended December 31, 2024 names MIRIAN NACCARATTO.
- Who are the officers and directors of INCHARGE EDUCATION FOUNDATION INC?
- The 990 for the year ended December 31, 2024 lists 15 people; 11 received compensation from the organization.
- How much revenue does INCHARGE EDUCATION FOUNDATION INC have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $6,237,222, expenses of $6,337,585 and total assets of $8,051,873 at year end.
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