Nonprofit · EIN 82-2895115
AMERICAN PACIFIC FINANCIAL SERVICES CORP APFSC
Tax-exempt · RCHO STA MARG, CA 92688
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $496,817 | $502,933 | -$6,116 | $116,801 | $3,202 | $113,599 |
| December 31, 2024 | 990 | $595,427 | $612,544 | -$17,117 | $112,225 | $9,697 | $102,528 |
| December 31, 2023 | 990 | $951,822 | $899,077 | $52,745 | $147,592 | $27,947 | $119,645 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $174,418
- Program service revenue
- $322,399
- Investment income
- $0
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Other salaries and wages
- $90,240
- Salaries, compensation and benefits (total)
- $108,946
- Professional fundraising fees
- $0
- Legal fees
- $27,300
- Occupancy
- $15,313
- Travel
- $383
- Program services (functional)
- $382,881
- Management and general (functional)
- $106,191
- Fundraising (functional)
- $13,861
Balance sheet and other
- Total assets, start of year
- $112,225
- Total assets, end of year
- $116,801
- Total liabilities, end of year
- $3,202
- Net assets, end of year
- $113,599
- Net assets without donor restrictions
- $113,599
- Gross receipts
- $496,817
- Employees
- 5
- Volunteers
- 7
- Year formed
- 2020
- State of legal domicile
- CA
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 |
|---|---|---|---|
| STEPHANIE ASSALI | PRESIDENT, COO/CMO, DIRECTOR Officer, Key employee | 10 | $46,700 |
| GEORGE ANDERSON | VICE PRESIDENT, DIRECTOR Officer, Key employee | 5 | $0 |
| CINDY TANEZAKI | CFO, DIRECTOR Officer, Key employee | 5 | $0 |
| CHRISTINA SHEA | CHIEF STRATEGY POLITICAL LIAISON Trustee or director | 2 | $0 |
| GINO CLEMENTE | DIRECTOR Trustee or director | 1 | $0 |
| MARY CASSEDY | VP, HOUSING Trustee or director | 1 | $0 |
| MICHAEL SHEA | CTO/CIO, DIRECTOR Officer, Key employee | 5 | $0 |
990 for the year ended December 31, 2024: 6 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| STEPHANIE ASSALI | COO, CMO Officer, Key employee | 10 | $10,500 |
| CINDY TANEZAKI | CFO, DIRECTOR Officer, Key employee | 5 | $5,373 |
| GEORGE ANDERSON | PRESIDENT, CEO, DIRECTOR Officer, Key employee | 5 | $5,040 |
| CHRISTINA SHEA | TRUSTEE, DIRECTOR Trustee or director | – | $0 |
| GINO CLEMENTE | TRUSTEE, DIRECTOR Trustee or director | – | $0 |
| MARY CASSEDY | TRUSTEE, DIRECTOR Trustee or director | – | $0 |
990 for the year ended December 31, 2023: 1 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| STEPHANIE ASSALI | COO Officer, Key employee | 40 | $101,864 |
Address and contacts
- Address (IRS master file)
- 30021 TOMAS STE 300, RCHO STA MARG, CA 92688-2128
- In care of
- % MARCELA SHEA
- Mailing address (990-N for 2020)
- 28202 CABOT ROAD Suite 300, LAGUNA NIGUEL CA 92677
- Principal officer (990 for 2025)
- GEORGE ANDERSON, 30021 TOMAS ST STE 300, RANCHO SANTA MARGARITA, CA 92688
- Principal officer (990-N for 2020)
- Stephanie L Assali, 21 Mirino Dr, Mission Viejo CA 92692
- Signed the 990
- GEORGE ANDERSON, PRESIDENT
- Phone
- (949) 681-6800
- Website
- www.apfsc.org
- Return prepared by
- ETIENDEM CPA
California records
California keeps its own records of charities and corporations. Search them by EIN 82-2895115 or by the name AMERICAN PACIFIC FINANCIAL SERVICES CORP APFSC.
- Attorney General, Registry of Charities and Fundraisers
- Registration status and filed reports (CT-TR-1, RRF-1)
- Secretary of State, bizfile Online
- Corporation status, entity number, agent for service
- Franchise Tax Board
- Entity status letter (state tax exemption, good standing)
Mission
STATEMENT NBSP;2
Program accomplishments
- CREDIT COUNSELING EDUCATION THE ORGANIZATION PROVIDES COMPREHENSIVE CREDIT COUNSELING AND FINANCIAL EDUCATION SERVICES TO LOW- AND MODERATE-INCOME INDIVIDUALS AND FAMILIES ACROSS CALIFORNIA. SERVICES INCLUDE ONE-ON-ONE FINANCIAL COUNSELING BUDGETING ASSISTANCE CREDIT REPORT ANALYSIS AND DEVELOPMENT OF PERSONALIZED FINANCIAL ACTION PLANS. IN 2025 PARTICIPANTS ENGAGED IN STRUCTURED COUNSELING SESSIONS AND DEMONSTRATED MEASURABLE PROGRESS TOWARD IMPROVED CREDIT PROFILES REDUCED UNSECURED DEBT AND INCREASED FINANCIAL STABILITY. GRANT FUNDING SUPPORTS THE DELIVERY OF SERVICES AT LOW OR NO COST ENSURING ACCESS FOR UNDERSERVED COMMUNITIES AND INDIVIDUALS FACING FINANCIAL HARDSHIP AND EXPANDING PARTICIPATION IN FINANCIAL EMPOWERMENT PROGRAMS.Expenses $210,000 · revenue $310,000
- DEBT MANAGEMENT PROGRAM THE ORGANIZATION OPERATES A DEBT MANAGEMENT PROGRAM (DMP) THAT ENABLES CLIENTS TO REPAY UNSECURED DEBT THROUGH STRUCTURED AND AFFORDABLE REPAYMENT PLANS. THE PROGRAM WORKS WITH CREDITORS TO REDUCE INTEREST RATES AND FEES WHILE CONSOLIDATING MULTIPLE DEBTS INTO A SINGLE MONTHLY PAYMENT. IN 2025 PARTICIPANTS MADE CONSISTENT PROGRESS TOWARD DEBT REDUCTION AND IMPROVED FINANCIAL STABILITY THROUGH SUSTAINED REPAYMENT PERFORMANCE. THIS PROGRAM GENERATES PROGRAM SERVICE REVENUE THAT SUPPORTS LONG-TERM ORGANIZATIONAL SUSTAINABILITY WHILE DELIVERING MEASURABLE CONSUMER FINANCIAL PROTECTION OUTCOMES INCLUDING REDUCED DEBT BURDENS AND IMPROVED FINANCIAL BEHAVIORS.Expenses $130,000 · revenue $101,000
- BANKRUPTCY COUNSELING DEBTOR EDUCATION THE ORGANIZATION PROVIDES PRE-BANKRUPTCY COUNSELING AND POST-FILING DEBTOR EDUCATION SERVICES AS REQUIRED UNDER FEDERAL LAW. THESE SERVICES ENSURE THAT INDIVIDUALS CONSIDERING OR UNDERGOING BANKRUPTCY RECEIVE FINANCIAL EDUCATION ON BUDGETING RESPONSIBLE CREDIT USE AND LONG-TERM FINANCIAL PLANNING. IN 2025 PARTICIPANTS COMPLETED REQUIRED COUNSELING SESSIONS AND DEVELOPED FINANCIAL MANAGEMENT STRATEGIES TO SUPPORT IMPROVED FINANCIAL DECISION-MAKING AND LONG-TERM FINANCIAL RECOVERY FOLLOWING BANKRUPTCY.Expenses $25,000 · revenue $21,900
- Expenses $47,300 · revenue $63,917
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
- 82-2895115
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (509(a)(2))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 2020
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Human services (P51)
- Assets (IRS master file)
- $116,801
- Income (IRS master file)
- $496,817
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $496,817 | $502,933 | $116,801 | IRS |
| 990 | December 2024 | $595,427 | $612,544 | $112,225 | XML |
| 990 | December 2023 | $951,822 | $899,077 | $147,592 | XML |
| 990-EZ | December 2022 | – | – | – | IRS |
| 990-EZ | December 2021 | – | – | – | IRS |
| 990-N for 2020 Officer: Stephanie L Assali | December 31, 2020 | ≤ $50,000 receipts | – | – | e-Postcard |
| 990-EZ | December 2020 | – | – | – | IRS |
| 990-EZ | December 2019 | – | – | – | IRS |
| 990-EZ | 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 82-2895115).
Questions about AMERICAN PACIFIC FINANCIAL SERVICES CORP APFSC
- What is the EIN of AMERICAN PACIFIC FINANCIAL SERVICES CORP APFSC?
- The employer identification number (EIN) of AMERICAN PACIFIC FINANCIAL SERVICES CORP APFSC is 82-2895115.
- Is AMERICAN PACIFIC FINANCIAL SERVICES CORP APFSC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2020.
- Are donations to AMERICAN PACIFIC FINANCIAL SERVICES CORP APFSC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does AMERICAN PACIFIC FINANCIAL SERVICES CORP APFSC 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 PACIFIC FINANCIAL SERVICES CORP APFSC 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 PACIFIC FINANCIAL SERVICES CORP APFSC 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 PACIFIC FINANCIAL SERVICES CORP APFSC?
- The 990 for the year ended December 31, 2025 names GEORGE ANDERSON.
- Who are the officers and directors of AMERICAN PACIFIC FINANCIAL SERVICES CORP APFSC?
- The 990 for the year ended December 31, 2025 lists 7 people; 1 received compensation from the organization, the highest $46,700 (STEPHANIE ASSALI, PRESIDENT, COO/CMO, DIRECTOR).
- How much revenue does AMERICAN PACIFIC FINANCIAL SERVICES CORP APFSC have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $496,817, expenses of $502,933 and total assets of $116,801 at year end.
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