irs program accomplishments · form 990 part iii · fy2021
what they reported doing
Program narrative the organization filed with the IRS. Ordered by program spending.
- #1 primary $186KHOUSING: TAKE CHARGE AMERICA HELPED NEARLY 400 ARIZONANS IN FISCAL YEAR 2022 THROUGH A WIDE RANGE OF HUD-APPROVED HOUSING COUNSELING AND EDUCATIONAL SERVICES. TCA OFFERS SERVICES DESIGNED FOR EACH INDIVIDUAL'S NEEDS, WHETHER THEY RENT, OWN, OR WANT TO BUY. SPECIALIZED COUNSELING IS ALSO AVAILABLE FOR THOSE NEEDING RENTAL ASSISTANCE OR GUIDANCE IN RESOLVING DELINQUENCIES IN PAST DUE RENT AND MORTGAGE PAYMENTS. THE ORGANIZATION WORKS WITH A HOUSING INTERMEDIARY TO OBTAIN HUD GRANT FUNDS TO PROVIDE TO CLIENTS.
- #2 $130KSTUDENT LOAN COUNSELING: TCA'S CERTIFIED COUNSELORS HELP FEDERAL STUDENT LOAN BORROWERS NAVIGATE THE VARIOUS REPAYMENT OPTIONS AVAILABLE TO DETERMINE THE BEST OPTION FOR EACH SPECIFIC SITUATION. WHETHER USING THE SELF-GUIDED ONLINE SERVICE OR WITH THE AID OF ONE OF OUR REPRESENTATIVES ACTING AS A CONSUMER ADVOCATE, TCA'S MONEY-BACK GUARANTEE ENSURES EACH CLIENT FINDS THE BEST REPAYMENT PLAN AVAILABLE. IN FISCAL YEAR 2022, TCA HELPED MORE THAN 100 CLIENTS ADDRESS THEIR STUDENT LOAN DEBT SITUATIONS.
named programs · 4 · from sources
what they call their work
Free Credit Counseling
Online and phone-based credit counseling service available 24/7, helping individuals manage debt, create budgets, and regain financial control. Includes credit report summary and personalized guidance.
Free Credit Counseling Session
Online and phone-based credit counseling services to help individuals regain control of their money, eliminate credit card debt, and achieve financial freedom.
Free Financial Education Lesson Plans
Grade-specific lesson plans for grades 1-5 that use children's literature to teach financial literacy concepts such as saving, budgeting, credit, and money management. Each includes worksheets, activities, and academic standards alignment.
Money Lesson Plans Grades 1-5
Free financial education lesson plans, activities, and worksheets designed to help students build real-world money skills, covering topics like barter, wants and needs, saving, price, jobs, work, sales, counting money, savings accounts, shopping, choices, scarcity, budgeting, market prices, money vs. trade, managing money, counting change, comparison shopping, debt, labor, sales tax, mental math, characteristics and functions of money, role of money, spending money, savings and earnings, earning an income, borrowing and lending, taxes, production and trade, starting your own business, government goods and services, wise shoppers, saving and creating a personal budget, saving and investing, using credit, short-term and long-term savings goals, currency and exchange rates, and wise spending.
activities · 6 groups
what they do
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Youth Financial Literacy Education 6 activities
- Financial Education for Adults with Intellectual and Developmental Disabilities (IDD)Delivers accessible financial education specifically tailored for adults with intellectual and developmental disabilities (IDD).
- Financial Education for Youth and FamiliesProvides downloadable, grade-specific financial education lesson plans for schools, covering topics like barter vs. money, wants and needs, and saving. Also offers guidance to parents on discussing careers, involving children in grocery shopping, and teaching money allocation, as well as resources for teens starting small businesses and college financial planning.
- Financial Education in SchoolsProvides financial education to staff and students in school systems across Maricopa and Pima Counties, focusing on money management and student loan debt strategies.
- Financial education for individuals with disabilitiesProvides accessible financial education tailored to adults with intellectual and developmental disabilities (IDD), focusing on practical money management skills.
- Financial guidance for life stages and behaviorsProvides practical financial strategies for various life stages and behaviors, including teaching children money allocation through labeled containers, involving teens in grocery shopping for value assessment, advising on early college financial planning, and offering tips to reduce spending on food delivery, social activities, and streaming services to boost retirement savings.
- School-based financial education programsDelivers financial education to students and staff in school systems across Maricopa and Pima Counties, including grade-specific lesson plans on topics such as barter vs. money, wants vs. needs, and saving, using children's literature and aligned with academic standards.
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Credit Counseling and Debt Management 4 activities
- Debt Management ServicesProvides debt management services to help individuals eliminate credit card debt and regain financial freedom. The organization has helped over 2 million people manage and repay more than $6 billion in debt since 1987.
- Debt management servicesProvides debt management programs that help thousands of individuals eliminate credit card debt annually, with a track record of assisting over 2 million people since 1987 in repaying more than $6 billion in debt.
- Debt relief education and consumer protection guidanceProvides educational resources on debt relief options, compares credit counseling and debt settlement services, offers criteria to identify legitimate credit counseling agencies, and advises on considerations before signing agreements with debt relief companies.
- Financial Education Workshops and CounselingOffers an ongoing series of free financial workshops and credit counseling sessions to improve financial health and wellbeing. This includes online sessions available 24/7 and educational resources on assessing financial situations, debt relief programs, and managing money effectively.
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Bankruptcy Counseling and Education Services 2 activities
- Bankruptcy Counseling and Financial Management CoursesProvides two required online courses for individuals filing for bankruptcy: a pre-filing counseling course that reviews financial situations and debt relief options, and a post-filing financial management course that teaches budgeting and financial skills. Both courses result in court-acceptable completion certificates.
- Bankruptcy counseling coursesOffers two court-mandated online courses for individuals filing for bankruptcy: a pre-filing counseling course and a post-filing financial management course, each available 24/7 with progress-saving features and lasting approximately 90 minutes and 2 hours respectively.
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Housing Counseling & Homebuyer Education 2 activities
- Housing Counseling ServicesProvides housing counseling services that address a broad range of housing needs, extending beyond just mortgage preparation.
- Housing counseling servicesOffers housing counseling that extends beyond mortgage preparation to address broader housing-related financial needs.
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Veteran Mental Health & Peer Support Services 1 activity
- Resource Compilation and AccessCompiles and provides access to lists of organizations offering consumer services and support in financial, legal, and health areas, including specific resources for veterans navigating financial and lifestyle challenges.
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Uncategorized 6 activities
- Capacity-building resource hubsCompiles and provides access to curated resources and support organizations in financial, legal, and health areas, with specialized collections for veterans and teens interested in starting small businesses.
- Couples' financial management strategiesProvides strategies for couples to manage money more effectively through shared and individual financial responsibilities.
- Free financial workshops and counselingOffers free financial workshops and 24/7 online credit counseling sessions to help individuals assess their financial situation, manage debt, and improve financial health. Counseling sessions include progress-saving functionality and result in downloadable credit report summaries.
- Retirement Savings GuidanceOffers guidance and strategies to reduce expenses in areas like food delivery, social activities, and streaming services to free up funds for retirement savings. It also highlights the impact of social media on financial behavior for mindful consumption.
- Strategic use of tax refundsOffers guidance and strategies for using tax refunds to achieve long-term financial stability and make financial progress, with specific resources targeting the 2026 tax season.
- Tax Refund Financial PlanningProvides guidance and strategies for individuals to effectively use tax refunds to achieve long-term financial stability and make financial progress.
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financials · form 990 · fy2021
revenue
Total revenue$7.26M
Contributions & grants$2.96M41%
Program service revenue$3.52M49%
Investment income$301K4%
Other revenue$469K
expenses
Total expenses$7.63M
Program expenses89%
Admin / overhead11%
Fundraising0%
Salaries & benefits$4.17M
Grants paid out$0
Largest expense lineCompensation
balance sheet
Total assets$22.88M
Cash$1.53M
Investments$6.74M
Liabilities$1.86M
Net assets$21.02M
Liquid reserves13.0 mo
2 years on record · 2020–2021 · YoY revenue -20.0%
leadership · form 990 part vii · fy2021
who runs it
paid leadership · 5
| Name | Title | Hours/wk | Compensation |
|---|---|---|---|
| DAVID RICHARDSON | PRESIDENT & CEO/TREASURER | 50 | $236K |
| CAROL LOWN | CHIEF COMPLIANCE OFFICER | 45 | $143K |
| RICHARD MCDANIEL | DIRECTOR, FACILITIES & SECURITY | 50 | $137K |
| STUART DARNELL | MANAGER, SOFTWARE DEPARTMENT | 45 | $112K |
| WENDY ANDERSON | COMPLIANCE & QUALITY/SECRETARY | 45 | $106K |
board members · 9
- ALICE SWEENEY — DIRECTOR
- ANDREA WHITE — DIRECTOR
- BRENDA BLUNT — DIRECTOR
- DEBORAH HAYNES — VICE CHAIR
- JODY DAVIS — DIRECTOR
- JONATHAN FOX — DIRECTOR
- KERWIN BROWN — DIRECTOR
- RALPH GILBERTSEN — CHAIR
- SHERRY CELAYA — DIRECTOR
relationships · 49
who they work with
- Alcoholics Anonymous (AA) Partner — Listed as a resource for a twelve-step program for individuals who wish to stop drinking alcohol.
- Alliance for Information and Referral Systems Partner — Spearheads the 2-1-1 telephone number that connects consumers with community services.
- American Association of Retired Persons (AARP) Partner — Listed as a resource for people 50 and over to improve their quality of life.
- American Hospice Foundation Partner — Supports programs that serve the needs of terminally ill and grieving individuals.
- American Psychological Association Partner — Cited as a source for data on children's exposure to advertising.
- Better Business Bureau of Arizona Government — Maintains an A+ rating from the BBB of Arizona for sound and transparent business practices.
- Centers for Disease Control and Prevention (CDC) Government — Provides information to enhance health decisions and promotes health through partnerships.
- Centers for Medicare & Medicaid Services (CMS) Government — Offers detailed information on Medicare, Medicaid, and SCHIP.
- Council on Accreditation Network — Has attained COA Accreditation, demonstrating adherence to high standards in program and service delivery.
- Credit Karma Partner — Cited source of data on Millennial spending behaviors related to social media.
- Department of Housing and Urban Development (HUD) Government — Listed as a resource for buying and selling homes, consumer rights, and help for the homeless.
- Enterprise Community Partners, Inc. Partner — Listed as a resource that creates opportunities for affordable homes, safer streets, and access to jobs and childcare.
- Equifax Partner — Listed as one of the three major credit reporting agencies.
- Estrella School District Partner — Partner school district where Take Charge America provides financial education programming.
- Experian Partner — Listed as one of the three major credit reporting agencies.
- Feeding America Partner — Listed as a resource for its food bank network, which is the nation's largest charitable hunger-relief organization.
- Financial Counseling Association of America Network — Member of the FCAA, meeting strict statutory requirements and committing to integrity and professionalism in service delivery.
- FindLaw Partner — Listed as a resource for lawyer search and information on legal issues.
- Findhelp Partner — Listed as a resource for finding free or reduced cost community services.
- Food and Nutrition Service (FNS) Government — Offers resources and advice on good nutrition, food shopping, and food stamp services.
- Gamblers Anonymous Partner — Listed as a resource for a twelve-step program for problem gamblers.
- Glendale Union High School District Partner — Partner school district where Take Charge America provides financial education programming.
- Grady Health System Partner — Partnered to integrate financial wellness resources into patient support services.
- Hope Now Partner — Represents lenders and housing counselors who help homeowners struggling with mortgage payments.
- Life Development Institutes Partner — Partner educational institution where Take Charge America provides financial education programming.
- Maricopa Community College District Partner — Partner community college district where Take Charge America provides financial education programming.
- Mesa Public Schools Partner — Partner public school system where Take Charge America provides financial education programming.
- Narcotics Anonymous (NA) Partner — Listed as a resource for a twelve-step program for recovery from drug addiction.
- National Association of Consumer Advocates (NACA) Partner — Listed as a resource for lawyers promoting justice for consumers.
- National Council on the Aging Partner — Hosts the Benefits Check Up website, an online directory for seniors to find programs for various needs.
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