Nonprofit · EIN 53-0213841
AMERICAN ARMED FORCES MUTUAL AID ASSOCIATION
Tax-exempt · RESTON, VA 20190
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $142,767,854 | $144,335,669 | -$1,567,815 | $1,263,544,055 | $86,059,947 | $1,177,484,108 |
| December 31, 2024 | 990 | $127,405,253 | $144,206,693 | -$16,801,440 | $1,275,946,668 | $90,714,347 | $1,185,232,321 |
| December 31, 2023 | 990 | $125,238,471 | $126,572,535 | -$1,334,064 | $1,299,077,223 | $85,970,264 | $1,213,106,959 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $78,261,113
- Investment income
- $37,847,453
- Net rental income
- $19,368,303
- Net gain from sales of assets
- $2,938,394
- Other revenue
- $26,659,288
Expenses
- Grants and similar amounts paid
- $0
- Benefits paid to members
- $94,844,070
- Compensation of officers, directors and key employees
- $5,091,632
- Other salaries and wages
- $13,764,138
- Salaries, compensation and benefits (total)
- $21,444,254
- Professional fundraising fees
- $0
- Legal fees
- $107,721
- Accounting fees
- $143,167
- Occupancy
- $928,163
- Travel
- $222,886
- Depreciation
- $2,090,803
Balance sheet and other
- Total assets, start of year
- $1,275,946,668
- Total assets, end of year
- $1,263,544,055
- Total liabilities, end of year
- $86,059,947
- Net assets, end of year
- $1,177,484,108
- Land, buildings and equipment
- $296,144,744
- Publicly traded securities
- $526,690,333
- Gross receipts
- $278,493,858
- Employees
- 173
- Volunteers
- 11
- Year formed
- 1879
- State of legal domicile
- VA
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, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JAMES J HAVENER | PRESIDENT, AMS Key employee | 40 | $415,959 | $39,405 |
| MICHAEL J MEESE | PRESIDENT Trustee or director, Officer | 40 | $359,844 | $39,726 |
| GERALD T QUINN | COO & SECRETARY Officer | 40 | $349,208 | $46,865 |
| ROBERT GREENBAUM | CHIEF MARKETING OFFICER, AMS Key employee | 40 | $330,716 | $46,837 |
| STEPHEN C MANNELL | PRESIDENT, AWMT Key employee | 40 | $347,123 | $17,995 |
| CHARLES B BETANCOURT | COO, AP Key employee | 40 | $326,749 | $14,696 |
| COREY K RIGGS | BRANCH MANAGER, AMS (THRU 10/14/25) Highest-paid employee | 40 | $293,464 | $41,638 |
| JOSHUA M SCHNELLE | SR. RELATIONSHIP MANAGER, AWMT Highest-paid employee | 40 | $293,774 | $40,618 |
| AMARISH PATHAK | CHIEF TECHNOLOGY OFFFICER, AMS Key employee | 40 | $318,473 | $14,319 |
| ANTHONY E NEMANIC | SR. RELATIONSHIP MANAGER, AWMT Highest-paid employee | 40 | $266,116 | $44,015 |
| STEVEN J SCHNIPPEL | CONTROLLER, AP Key employee | 40 | $241,120 | $48,334 |
| DANIEL J MCLAUGHLIN | CFO, AWMT Key employee | 40 | $274,007 | $15,191 |
| MITCHELL KR TURNER | CHIEF INFORMATION OFFICER Key employee | 40 | $234,844 | $48,085 |
| MARK MATSUURA | CFO & TREASURER Officer | 40 | $257,018 | $25,683 |
| PAUL E JABLANSKY | CHIEF INVESTMENT OFFICER, AWMT Highest-paid employee | 40 | $244,013 | $31,134 |
18 more people on this return
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KEVIN KINCAID | CHIEF MARKETING OFFICER Key employee | 40 | $214,102 | $60,387 |
| JOHN J SHIVAR | SVP BUSINESS DEVELOPMENT, AWMT Key employee | 40 | $215,010 | $36,100 |
| NIRA P SERPA | CONTROLLER Key employee | 40 | $197,347 | $46,321 |
| DANIELLE J NUXOLL | SR RELATIONSHIP MANAGER Highest-paid employee | 40 | $228,964 | $10,299 |
| CHARLENE G WILDE | SR VICE PRESIDENT & ASST SECRETARY Officer | 40 | $186,537 | $14,458 |
| SHARON GROSSMAN | CONTROLLER, AMS Key employee | 40 | $166,557 | $34,389 |
| GEN DENNIS J REIMER | CHAIR Trustee or director, Officer | 2 | $0 | $0 |
| MG WILLIAM M MATZ | VICE CHAIR Trustee or director, Officer | 2 | $0 | $0 |
| LTG JOHN A DUBIA | DIRECTOR/CHAIR MEMBERSHIP Trustee or director, Officer | 2 | $0 | $0 |
| MG JOHN G FERRARI | DIRECTOR/CHAIR FINANCE Trustee or director, Officer | 2 | $0 | $0 |
| CW3 ROBIN H BOUDIETTE JR | DIRECTOR Trustee or director | 2 | $0 | $0 |
| CMSGT LEWIS E MONROE III | DIRECTOR Trustee or director | 2 | $0 | $0 |
| COL ELISABETH J STRINES | DIRECTOR Trustee or director | 2 | $0 | $0 |
| LTG GUY C SWAN | DIRECTOR Trustee or director | 2 | $0 | $0 |
| BGEN DAVID G REIST | DIRECTOR Trustee or director | 2 | $0 | $0 |
| MG RODNEY O ANDERSON | DIRECTOR Trustee or director | 2 | $0 | $0 |
| LTG KEITH C WALKER | DIRECTOR Trustee or director | 2 | $0 | $0 |
| BRIG GEN JONATHAN D GEORGE | DIRECTOR (THRU 6/10/25) Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2024: 35 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JAMES J HAVENER | PRESIDENT, AMS Key employee | 40 | $402,608 | $37,704 |
| STEPHEN C MANNELL | PRESIDENT, AWMT Key employee | 40 | $399,709 | $17,555 |
| MICHAEL J MEESE | PRESIDENT Trustee or director, Officer | 40 | $347,267 | $38,921 |
| GERALD T QUINN | COO & SECRETARY Officer | 40 | $339,030 | $45,388 |
| ROBERT GREENBAUM | CHIEF MARKETING OFFICER, AMS Key employee | 40 | $320,196 | $51,830 |
| COREY K RIGGS | SALES MANAGER, AMS Highest-paid employee | 40 | $304,537 | $48,633 |
| DANIEL J MCLAUGHLIN | CFO, AWMT Key employee | 40 | $311,649 | $16,122 |
| CHARLES B BETANCOURT | COO, AP Key employee | 40 | $293,889 | $13,217 |
| JOSHUA M SCHNELLE | SR. RELATIONSHIP MANAGER, AWMT Highest-paid employee | 40 | $260,533 | $30,797 |
| AMARISH PATHAK | CHIEF TECHNOLOGY OFFFICER, AMS Key employee | 40 | $278,708 | $12,533 |
| JOHN J SHIVAR | VP BUSINESS DEVELOPMENT, AWMT Key employee | 40 | $267,226 | $21,714 |
| PAUL E JABLANSKY | CHIEF INVESTMENT OFFICER, AWMT Highest-paid employee | 40 | $257,782 | $30,060 |
| ANTHONY E NEMANIC | SR. RELATIONSHIP MANAGER, AWMT Highest-paid employee | 40 | $249,371 | $31,471 |
| KEVIN KINCAID | CHIEF MARKETING OFFICER Key employee | 40 | $215,512 | $52,363 |
| MITCHELL KR TURNER | CHIEF INFORMATION OFFICER Key employee | 40 | $223,403 | $43,782 |
| MARK MATSUURA | CFO & TREASURER Officer | 40 | $235,738 | $21,864 |
| NIRA P SERPA | CONTROLLER Key employee | 40 | $190,091 | $42,310 |
| PETER ST DENIS | PORTFOLIO MANAGER, AWMT Highest-paid employee | 40 | $221,216 | $9,936 |
| STEVEN J SCHNIPPEL | CONTROLLER, AP Key employee | 40 | $212,647 | $14,932 |
| CLIFTON BROWN | VP, INSURANCE OPERATIONS Key employee | 40 | $180,796 | $21,790 |
| CHARLENE G WILDE | SR VICE PRESIDENT & ASST SECRETARY Officer | 40 | $179,252 | $13,681 |
| SHARON GROSSMAN | CONTROLLER, AMS Key employee | 40 | $150,705 | $31,140 |
| STACEY DANIELS | EVP & COO, AMS (THRU 1/17/24) Key employee | 40 | $152,163 | $2,700 |
| GEN DENNIS J REIMER | CHAIR Trustee or director | 2 | $0 | $0 |
| MG WILLIAM M MATZ | VICE CHAIR Trustee or director | 2 | $0 | $0 |
| LTG JOHN A DUBIA | DIRECTOR/CHAIR MEMBERSHIP Trustee or director | 2 | $0 | $0 |
| MG JOHN G FERRARI | DIRECTOR/CHAIR FINANCE Trustee or director | 2 | $0 | $0 |
| CW3 ROBIN H BOUDIETTE JR | DIRECTOR Trustee or director | 2 | $0 | $0 |
| BRIG GEN JONATHAN D GEORGE | DIRECTOR Trustee or director | 2 | $0 | $0 |
| CMSGT LEWIS E MONROE III | DIRECTOR Trustee or director | 2 | $0 | $0 |
| COL ELISABETH J STRINES | DIRECTOR Trustee or director | 2 | $0 | $0 |
| LTG GUY C SWAN | DIRECTOR Trustee or director | 2 | $0 | $0 |
| BGEN DAVID G REIST | DIRECTOR Trustee or director | 2 | $0 | $0 |
| MG RODNEY O ANDERSON | DIRECTOR Trustee or director | 2 | $0 | $0 |
| LTG KEITH C WALKER | DIRECTOR Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 35 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| MICHAEL J MEESE | PRESIDENT Trustee or director, Officer | 40 | $348,399 | $35,430 |
| GERALD T QUINN | COO & SECRETARY Officer | 40 | $325,239 | $42,358 |
| JAMES J HAVENER | PRESIDENT, AMS Key employee | 40 | $317,792 | $46,418 |
| STEPHEN C MANNELL | PRESIDENT, AWMT Key employee | 40 | $321,730 | $16,380 |
| ROBERT GREENBAUM | CHIEF MARKETING OFFICER, AMS Key employee | 40 | $269,742 | $46,189 |
| CHARLES B BETANCOURT | COO, AP Key employee | 40 | $298,779 | $13,445 |
| AMARISH PATHAK | CHIEF TECHNOLOGY OFFFICER, AMS Key employee | 40 | $287,200 | $12,924 |
| STACEY DANIELS | EVP & COO, AMS Key employee | 40 | $263,083 | $33,067 |
| DANIEL J MCLAUGHLIN | CFO, AWMT Key employee | 40 | $253,748 | $14,015 |
| KEVIN KINCAID | CHIEF MARKETING OFFICER Key employee | 40 | $217,654 | $48,175 |
| JOHN J SHIVAR | VP BUSINESS DEVELOPMENT, AWMT Key employee | 40 | $223,495 | $19,339 |
| MARK MATSUURA | CFO & TREASURER Officer | 40 | $211,162 | $18,451 |
| STEVEN J SCHNIPPEL | CONTROLLER, AP Key employee | 40 | $212,322 | $11,778 |
| COREY K RIGGS | SALES MANAGER, AMS Highest-paid employee | 40 | $182,019 | $40,160 |
| NIRA P SERPA | CONTROLLER Key employee | 40 | $180,673 | $38,454 |
| MATTHEW V WATSON | COMMERCIAL PORTFOLIO MANAGER, AMS Highest-paid employee | 40 | $180,598 | $17,183 |
| CLIFTON BROWN | VP, INSURANCE OPERATIONS Key employee | 40 | $170,680 | $20,170 |
| PETER ST DENIS | PORTFOLIO MANAGER, AWMT Highest-paid employee | 40 | $183,100 | $7,574 |
| JOSHUA M SCHNELLE | RELATIONSHIP MANAGER, AWMT Highest-paid employee | 40 | $168,943 | $20,596 |
| PAUL E JABLANSKY | CHIEF INVESTMENT OFFICER, AWMT Highest-paid employee | 40 | $165,881 | $14,635 |
| MITCHELL KR TURNER | CHIEF INFORMATION OFFICER Key employee | 40 | $157,554 | $21,971 |
| CHARLENE G WILDE | SR VICE PRESIDENT & ASST SECRETARY Officer | 40 | $162,680 | $11,347 |
| GEN DENNIS J REIMER | CHAIR Trustee or director | 2 | $0 | $0 |
| LTG JOHN A DUBIA | DIRECTOR/CHAIR MEMBERSHIP Trustee or director | 2 | $0 | $0 |
| MG WILLIAM M MATZ | DIRECTOR/CHAIR FINANCE COM Trustee or director | 2 | $0 | $0 |
| MG RODNEY O ANDERSON | DIRECTOR Trustee or director | 2 | $0 | $0 |
| CW3 ROBIN H BOUDIETTE JR | DIRECTOR Trustee or director | 2 | $0 | $0 |
| MG JOHN G FERRARI | DIRECTOR Trustee or director | 2 | $0 | $0 |
| BRIG GEN JONATHAN D GEORGE | DIRECTOR Trustee or director | 2 | $0 | $0 |
| CSM GEORGE L HORVATH III | DIRECTOR Trustee or director | 2 | $0 | $0 |
| CMSGT LEWIS E MONROE III | DIRECTOR Trustee or director | 2 | $0 | $0 |
| BGEN DAVID G REIST | DIRECTOR Trustee or director | 2 | $0 | $0 |
| COL ELISABETH J STRINES | DIRECTOR Trustee or director | 2 | $0 | $0 |
| LTG GUY C SWAN | DIRECTOR Trustee or director | 2 | $0 | $0 |
| LTG KEITH C WALKER | DIRECTOR Trustee or director | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1856 OLD RESTON AVE STE 300, RESTON, VA 20190-3397
- In care of
- % ASSOCIATION
- Principal officer (990 for 2025)
- MICHAEL J MEESE, 102 SHERIDAN AVENUE, FORT MYER, VA 22211
- Signed the 990
- MICHAEL J MEESE, PRESIDENT
- Phone
- (703) 707-4600
- Website
- WWW.AAFMAA.COM
- Return prepared by
- CHERRY BEKAERT ADVISORY LLC
Mission
AAFMAA'S MISSION IS TO HELP ENSURE THE FINANCIAL SECURITY AND INDEPENDENCE OF THE MEMBERS OF THE AMERICAN ARMED FORCES COMMUNITY BY PROVIDING INSURANCE AND OTHER BENEFITS.
Program accomplishments
- AAFMAA'S PRIMARY ACTIVITY IS TO PROVIDE LIFE INSURANCE FOR THOSE INDIVIDUALS WHO QUALIFY UNDER THE INTERNAL REVENUE CODE (IRC) SECTION 501(C)(23) DEFINITION, WHICH MEANS THEY MUST BE PRESENT OR PAST MEMBERS OF THE UNITED STATES ARMED FORCES OR THEIR FAMILY MEMBERS. IN ADDITION, AAFMAA PROVIDES ASSISTANCE TO MEMBERS WITH MILITARY BENEFITS, RETIREMENT PLANNING, VETERANS ADMINISTRATION (VA) CLAIM PROCESSING, AND DOCUMENT STORAGE IN BOTH ITS PHYSICAL AND DIGITAL VAULTS. IT ALSO PROVIDES SURVIVOR ASSISTANCE FOR FAMILIES OF MILITARY MEMBERS TO ENSURE THAT SURVIVING FAMILY MEMBERS OBTAIN THEIR LIFE INSURANCE BENEFITS, SOCIAL SECURITY BENEFITS, VA BENEFITS, AND ALL OTHER APPROPRIATE ENTITLEMENTS.
- AAFMAA WEALTH MANAGEMENT & TRUST LLC, A WHOLLY OWNED SUBSIDIARY FORMED IN 2012 AS A NORTH CAROLINA TRUST COMPANY AND REGULATED BY THE NORTH CAROLINA COMMISSIONER OF BANKS, PROVIDES FINANCIAL PLANNING, INVESTMENT MANAGEMENT, AND TRUST SERVICES TO THOSE QUALIFIED FOR AAFMAA SERVICES UNDER IRC SECTION 501(C)(23).
- AAFMAA MORTGAGE SERVICES LLC, A WHOLLY OWNED SUBSIDIARY FORMED IN 2016 AND REGULATED BY THE NORTH CAROLINA COMMISSIONER OF BANKS, OFFERS VETERAN ADMINISTRATION (VA), FEDERAL HOUSING ADMINISTRATION (FHA), CONVENTIONAL, AND OTHER RESIDENTIAL MORTGAGE PRODUCTS TO THOSE QUALIFIED FOR AAFMAA SERVICES UNDER SECTION 501(C)(23).
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 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 53-0213841
- Tax-exempt status
- 501(c)(23)
- Donations deductible
- No
- Exempt since
- 1944
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $1,263,544,055
- Income (IRS master file)
- $278,493,858
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $142,767,854 | $144,335,669 | $1,263,544,055 | XML |
| 990 | December 2024 | $127,405,253 | $144,206,693 | $1,275,946,668 | IRS |
| 990 | December 2023 | $125,238,471 | $126,572,535 | $1,299,077,223 | XML |
| 990 | December 2022 | $130,654,860 | $128,906,584 | $1,304,493,618 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | 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 53-0213841).
Questions about AMERICAN ARMED FORCES MUTUAL AID ASSOCIATION
- What is the EIN of AMERICAN ARMED FORCES MUTUAL AID ASSOCIATION?
- The employer identification number (EIN) of AMERICAN ARMED FORCES MUTUAL AID ASSOCIATION is 53-0213841.
- Is AMERICAN ARMED FORCES MUTUAL AID ASSOCIATION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(23) since 1944.
- Are donations to AMERICAN ARMED FORCES MUTUAL AID ASSOCIATION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does AMERICAN ARMED FORCES MUTUAL AID ASSOCIATION 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 AMERICAN ARMED FORCES MUTUAL AID ASSOCIATION 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 AMERICAN ARMED FORCES MUTUAL AID ASSOCIATION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of AMERICAN ARMED FORCES MUTUAL AID ASSOCIATION?
- The 990 for the year ended December 31, 2025 names MICHAEL J MEESE.
- Who are the officers and directors of AMERICAN ARMED FORCES MUTUAL AID ASSOCIATION?
- The 990 for the year ended December 31, 2025 lists 33 people; 21 received compensation from the organization, the highest $415,959 (JAMES J HAVENER, PRESIDENT, AMS).
- How much revenue does AMERICAN ARMED FORCES MUTUAL AID ASSOCIATION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $142,767,854, expenses of $144,335,669 and total assets of $1,263,544,055 at year end.
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