Form 990 for tax year 2022

Totals

Total revenue

$5,440,689

Total expenses

$5,068,730

Contributions and grants received

$5,487,842

Grants paid

$0

Program service revenue

$0

Investment income

-$47,156

Other revenue

$3

Total assets, end of year

$7,145,801

Total liabilities, end of year

$3,024,330

Net assets or fund balances, end of year

$4,121,471

Program services expenses (Part IX)

$4,204,942

Management and general expenses

$534,759

Fundraising expenses

$329,029

Program service expenses (Part III)

$4,204,942

Program services were 83.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Mission and programs · 2022

• FINANCIAL EMPOWERMENT (PUBLIC SUPPORT): CLARIFI'S FINANCIAL EMPOWERMENT PROGRAM UTILIZES A RELATIONSHIP-BASED, CASE MANAGEMENT APPROACH TO COUNSELING INDIVIDUALS TOWARDS FINANCIAL RESILIENCE. COUNSELORS BUILD LONG-TERM RELATIONSHIPS WITH CLIENTS BASED ON EMPATHY AND TRUST, HELPING THEM SET THEIR OWN FINANCIAL GOALS AND CREATE A STEP-BY-STEP ACTION PLAN FOR ACHIEVING THEM, INCLUDING REDUCED DEBT, IMPROVED CREDIT, AND INCREASING SAVINGS. DURING INITIAL APPOINTMENTS, COUNSELORS WORK WITH THEIR CLIENTS TO COMPLETE AN INCOME/EXPENSE ANALYSIS, IDENTIFY FINANCIAL GOALS, AND DEVELOP A WRITTEN ACTION PLAN FOR ACHIEVING SAID GOALS. COUNSELORS ALSO FOLLOW UP WITH CLIENTS AT 30, 60, AND 90 DAYS POST-APPOINTMENT TO CHECK IN ON PROGRESS, RECORD OUTCOMES, CONNECT THE CLIENT WITH ADDITIONAL RESOURCES, AND SCHEDULE FURTHER APPOINTMENTS. SERVICES ARE OFTEN PROVIDED IN COMMUNITY-BASED LOCATIONS IN PARTNERSHIP WITH OTHER ORGANIZATIONS SUCH AS CAREERLINK AND CHILDREN'S HOSPITAL OF PHILADELPHIA. THERE ARE NO ELIGIBILITY REQUIREMENTS AND NO LIMITATIONS ON THE VOLUME OF SERVICE PER CLIENT. CLIENTS OFTEN RETURN FOR MULTIPLE FOLLOW-UP APPOINTMENTS. THIS METHODOLOGY INCREASES THE CHANGE THAT EACH CLIENT MAKES POSITIVE BEHAVIORAL CHANGES AND MAINTAIN FINANCIALLY HEALTHY BEHAVIORS OVER TIME, BOTH OF WHICH YIELD STRONG, MEASURABLE LONG-TERM OUTCOMES. IN 2022, CLARIFI PROVIDED 4,912 FINANCIAL EMPOWERMENT COUNSELING SESSIONS TO 2,558 UNIQUE CLIENTS. OF THOSE CLIENTS, 191 REDUCED USE OF SHORT-TERM CREDIT, 159 REDUCED UNSECURED DEBT BY 10% OR MORE, 797 ESTABLISHED EMERGENCY SAVINGS, 16 ESTABLISHED A CREDIT PROFILE, 425 INCREASED THEIR CREDIT SCORE BY 35+ POINTS, AND 977 ACHIEVED AND MAINTAINED CAPACITY TO MEET BASIC NEEDS FOR 90 DAYS.

  Expenses $2,438,866

• HOUSING (PUBLIC SUPPORT): CLARIFI'S COUNSELORS HELP FAMILIES FIND, SECURE, AND MAINTAIN SAFE HOUSINGAND, IF THEY OWN A HOME, PRESERVE IT FOR THEMSELVES AND THE NEXT GENERATION. CLARIFI'S HOUSING SERVICES SPAN THE ENTIRETY OF THE HOUSING SPECTRUM INCLUDING FORECLOSURE AND EVICTION PREVENTION, PRE-PURCHASE COUNSELING, HOME REPAIR ACCESS, AND TENANCY PREPARATION. CLARIFI'S HOUSING COUNSELORS, CERTIFIED BY THE DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT, UTILIZE A CASE-MANAGEMENT MODEL TO HELP THEIR CLIENTS ACHIEVE THEIR HOUSING GOALS. DURING INITIAL APPOINTMENTS, COUNSELORS WORK WITH THEIR CLIENTS TO COMPLETE AN INCOME/EXPENSE ANALYSIS, IDENTIFY HOUSING GOALS, AND DEVELOP A WRITTEN ACTION PLAN FOR ACHIEVING SAID GOALS. COUNSELORS ALSO FOLLOW UP WITH CLIENTS AT 30, 60, AND 90 DAYS POST-APPOINTMENT TO CHECK IN ON PROGRESS, RECORD OUTCOMES, CONNECT THE CLIENT WITH ADDITIONAL RESOURCES, AND SCHEDULE FURTHER APPOINTMENTS. RENTAL COUNSELING INCLUDES EVICTION PREVENTION THROUGH LANDLORD/TENANT MEDIATION, LEASING EDUCATION, LANDLORD ADVOCACY (BASED IN SAFE, WARM, DRY STANDARDS), AND LEASING PREPARATION (SAVING FOR DEPOSITS, CREDIT COUNSELING, ETC.) PRE-PURCHASE SERVICES INCLUDE PURCHASE PLANNING AND EDUCATION, PURCHASE GUIDANCE, AND HOMEBUYER GRANT APPLICATION ASSISTANCE. FORECLOSURE PREVENTION SERVICES INCLUDE MORTGAGE DELINQUENCY NEGOTIATION, FORECLOSURE CONCILIATION, EMERGENCY ASSISTANCE APPLICATIONS, AND COURT BASED ADVOCACY IN PHILADELPHIA, MONTGOMERY COUNTY, DELAWARE COUNTY, NEW JERSEY AND DELAWARE. LASTLY, CLARIFI OFFERS ACCESS TO THE RESTORE, REPAIR, RENEW HOME PRESERVATION LOAN PROGRAM, CONNECTING PHILADELPHIA HOMEOWNERS WITH LOW-INTEREST HOME REPAIR LOANS. ADDITIONALLY, CLARIFI'S COUNSELORS MAINTAIN A LARGE REFERRAL NETWORK AND OFTEN CONNECT THEIR CLIENTS TO ADDITIONAL RESOURCES SUCH AS UTILITIES, FOOD, AND CLOTHING ASSISTANCE. IN 2022, CLARIFI PROVIDED 1,387 HOUSING COUNSELING SESSIONS TO 1,210 UNIQUE CLIENTS. OF OUR HOUSING CLIENTS, 23 PURCHASED A HOME, 21 PREVENTED AN EVICTION, AND 207 REPORTED AVOIDING FORECLOSURE OR WERE IN THEIR HOMES WORKING TOWARD A SOLUTION AS OF 12/31/22.

  Expenses $1,597,878

• COMMUNITY ENGAGEMENT (PUBLIC SUPPORT): CLARIFI'S COMMUNITY ENGAGEMENT PROGRAM INCLUDES OUTREACH TO OUR COMMUNITIES THROUGH EDUCATION, COMMUNITY EVENTS AND VOLUNTEER COORDINATION TO INCREASE OUR CONNECTION TO COMMUNITIES WE SERVE AND ENCOURAGE ACCESS TO OUR FINANCIAL EMPOWERMENT AND HOUSING PROGRAMS. OUR CERTIFIED FINANCIAL EDUCATORS PROVIDE BOTH IN-PERSON AND ONLINE WORKSHOPS IN A VARIETY OF TOPICS INCLUDING MONEY MANAGEMENT, CREDIT BASICS, CREDIT REPORTING, SAVING, INVESTING, HOMEOWNERSHIP, PREDATORY LENDING, AND FINANCIAL SCAMS. ADDITIONALLY, WE TAILOR PROGRAMMING FOR SPECIFIC POPULATIONS SUCH AS WOMEN, SENIORS, AND RETURNING CITIZENS. IN 2022, CLARIFI PRESENTED 21 FINANCIAL WORKSHOPS FOR 293 PARTICIPANTS.

  Expenses $168,198

As filed on the 2022 return. The filer continues this part on Schedule O, which is not shown here.

Listed in Part VII

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.

Schedule J

Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.

Grants on this return

No itemized grants to organizations on this return.

Related organizations on this return

Schedule R Part II: tax-exempt organizations related to the filer by control. It does not record shared board members or money.

• GREENPATH INC

  501(C)(3) · COUNSELING · MI

  Directly controlled by GREENPATH INC

• HOMEOWNERSHIP PRESERVATION FOUNDATION

  501(C)(3) · HOUSING · MN

  Directly controlled by GREENPATH INC

• RURAL DYNAMICS INC

  501(C)(3) · DEBT RESTRUCTURING, FINANCIAL EDUCATION, TAX RETURN PREPARATION · MT

  Directly controlled by GREENPATH INC

Provenance

Return type

form_990

Tax year

2022

Filed

24 July 2023

IRS schema version

2022v5.0

Source object

202332079349300013

Check it against the return as filed: the GivingTuesday Data Lake hosts a public copy of the original XML.

The source document this was parsed from is served over the API, which is where bulk and document access live.