Living Goods

Tax-deductible

Oakland, CA501(c)(3)Since 2006InternationalEIN 20-5010527

Harnessing micro entrepreneurs to deliver health education and life-changing products.

501(c)(3) charity; gifts are tax-deductible.
82¢ of each $1 spent went to programs.
$1.8M paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

Before you give

FY2024 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2024
latest Form 990
Looks good: the latest return is for FY2024, 2 tax years back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
2 of 4
filings with a surplus
Average surplus $2.8M a year · 10% of revenue · last 4 filings
Worth a look: a surplus in 2 of the last 4 filings.
Pt I · Ln 19 · 4 filings
Spent on programs
82%
of spending
Looks good: 82% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$1.8M
to officers and key staff · 7% of spending
Top officer’s pay higher than 70% of similar orgs
Looks good: pay to officers and key staff is 7% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
16 mo
of spending, in cash
Looks good: 15.7 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $20K
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$1.1M
3% of total assets
Looks good: liabilities are 3% of assets; 50% or less.
Pt X · Ln 26
Independent board members
8
of 9 voting members
Looks good: 8 of 9 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$23.8M
+36% vs prior year
Spent
$26.0M
To programs
82%
Net assets
$34.6M
By yearFY2021–FY2024
Revenue
$23.8M
FY2024▲ +36%
Revenue by fiscal year
FY2021$27.4M
FY2022$42.7M
FY2023$17.5M
FY2024$23.8M
Expenses
$26.0M
FY2024▲ +10%
Expenses by fiscal year
FY2021$26.1M
FY2022$24.1M
FY2023$23.7M
FY2024$26.0M
Net assets
$34.6M
FY2024▼ -6%
Net assets by fiscal year
FY2021$24.6M
FY2022$43.2M
FY2023$37.0M
FY2024$34.6M

From the FY2024 Form 990 · figures checked against the IRS filing · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Jul 2007.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

82 cents of each dollar spent went to programs.

Program services 82% · $21.3M Management & general 11% · $2.9M Fundraising 7% · $1.8M

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

Who runs it and what they're paid

18 people listed on the 990; $1.8M paid to officers and key staff.

Part VII, Section A · reportable compensation
CEO/Officer, (until 9/2024)
$336,841Pt VII · Sec A
CEO/Officer. (from 10/2024)
$226,813Pt VII · Sec A
Chief of Staff
$184,460Pt VII · Sec A
CFO/Officer, (until 9/2024)
$169,664Pt VII · Sec A
HR Director US
$158,973Pt VII · Sec A
CFO/Officer, (from 10/2024)
$146,861Pt VII · Sec A
Deputy Director Advocacy
$142,034Pt VII · Sec A
Deputy Director Major Gifts
$138,478Pt VII · Sec A

Liz Jarman’s $337K as CEO/Officer, (until 9/2024) is at the 70th percentile of top reported officer pay among 345 $10–100M international nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 8 named individuals · Part VII

NameFY2024FY2023FY2022FY2021
Liz Jarman$336,841———
Elizabeth Ann Jarman—$247,500——
Emilie Chambert$226,813———
Lisa B McAndless—$203,507——
Lisa B McCandless——$203,257$199,167
Mandy Folse$184,460$172,892$169,812$163,377
Sonja Kotze$169,664$160,574——
Abiot Frew$158,973$140,678——

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Empowering micro-entrepreneurs to deliver health education and life-changing products.

Provided by the organization

This section is blank until Living Goods claims this page.

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1 program service account for $21.3M of program spending, described in the organization's own filed words · FY2024.
01

The program empowered 9,996 community health workers in burkina faso, uganda and kenya with technology and training to deliver quality health services to the doorsteps of 4,601,240 people. The program assessed and treated 1,540,361 children who comprised of 220,170 children under the age of one and supported 111,311 pregnant women.

$21.3Mprogram expense

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Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · received and paid
Grants received · FY2025
Total grants receivedfrom 1 funder$20K
Grants paid · 13 grants · $5.3M · 2021–2024
DimagiFY2024$245,114
Brac USA INCNY · FY2024$175,028
Brac USA INCNY · FY2023$375,000
DimagiFY2023$310,617
Brac USA INCNY · FY2022$1,570,000
DimagiFY2022$282,299
Medic Mobile INCCA · FY2022$140,031
Lwala Community Alliance INCTN · FY2022$32,757
DatakindNY · FY2022$16,676
Brac USA INCNY · FY2021$1,955,000
Medic Mobile INCCA · FY2021$106,351
Lwala Community Alliance INCTN · FY2021$87,243
DatakindNY · FY2021$50,027

By the numbers

The FY2024 990, line by line.

1The main four
Money inPt VIII
$23.8M
Ln 12
Gifts and grantsLn 1h$22.5M
Investment incomeLn 3$1.2M
Money outPt IX
$26.0M
Ln 25
Programscol B$21.3M
Managementcol C$2.9M
Fundraisingcol D$1.8M
Owns and owesPt X
$34.6M
net assets · Ln 32
Cash and savingsLn 1–2$34.1M
Total assetsLn 16$35.7M
LiabilitiesLn 26$1.1M
PeoplePt VI, VII
18
listed · VII A
PaidVII A10
Voting boardVI 1a9
IndependentVI 1b8
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$22.5M
Investment incomeLn 3$1.2M
Total revenueLn 12$23.8M
Assets in detailPt X, end of year
CashLn 1$3.8M
SavingsLn 2$30.3M
Cash and savings togetherLn 1–2$34.1M
Land, buildings, equipmentLn 10c$118K
Other assetsLn 15$95K
Total assetsLn 16$35.7M
LiabilitiesLn 26$1.1M
Net assetsLn 32$34.6M
OperationsPt I, VI
EmployeesI 519
VolunteersI 60
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY24End FY24
Cash and savingsLn 1–2$21.7M$34.1M
Land, buildings, equipmentLn 10c$73K$118K
Total assetsLn 16$38.1M$35.7M
LiabilitiesLn 26$1.2M$1.1M
Net assetsLn 32$37.0M$34.6M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$420K$420K
Grants and assistance to foreign recipientsLn 3$17.5M$17.5M
Pay of current officers, directors and key staffLn 5$755K$624K$132K
Other salaries and wagesLn 7$3.6M$1.2M$1.2M$1.2M
Pension plan contributionsLn 8$60K$54K$6K
Other employee benefitsLn 9$457K$103K$354K
Payroll taxesLn 10$115K$115K
Other fees for servicesLn 11g$1.1M$515K$566K$40K
Advertising and promotionLn 12$12K$7K$5K
Office expensesLn 13$194K$149K$42K$3K
Information technologyLn 14$5K$5K
OccupancyLn 16$114K$47K$67K
TravelLn 17$392K$299K$43K$50K
Conferences, conventions and meetingsLn 19$473K$456K$17K
Depreciation, depletion and amortizationLn 22$30K$30K
InsuranceLn 23$31K$6K$26K
Other expenses (24a–d)Ln 24$702K$392K$286K$23K
All other expensesLn 24e$17K$17K
Total functional expensesLn 25$26.0M$21.3M$2.9M$1.8M

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest Viewing $23.8M$26.0M−$2.2M$34.6M 990 PDF
FY2023 $17.5M$23.7M−$6.2M$37.0M 990 PDF
FY2022 $42.7M$24.1M$18.6M$43.2M 990 PDF
FY2021 $27.4M$26.1M$1.3M$24.6M 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2024 990 (4 parts)
Part VIII · Statement of revenue $23,777,495 across 4 lines filed
VIII-1f All other contributions, gifts and grants$22,548,511
VIII-1h Total contributions, gifts and grants$22,548,511
VIII-3 Investment incomeExcluded from tax $1,228,984$1,228,984
VIII-12 Total revenueRelated to mission $0 · Unrelated business $0 · Excluded from tax $1,228,984$23,777,495
Part IX · Statement of functional expenses $25,995,769 across 18 lines filed
IX-1 Grants to domestic organizationsPrograms $420,142$420,142
IX-3 Grants and assistance to foreign recipientsPrograms $17,531,723$17,531,723
IX-5 Pay of current officers, directors and key staffManagement $623,597 · Fundraising $131,708$755,305
IX-7 Other salaries and wagesPrograms $1,177,867 · Management $1,200,340 · Fundraising $1,188,237$3,566,444
IX-8 Pension plan contributionsPrograms $54,169 · Fundraising $5,680$59,849
IX-9 Other employee benefitsPrograms $103,173 · Fundraising $353,837$457,010
IX-10 Payroll taxesPrograms $114,811$114,811
IX-11g Other fees for servicesPrograms $515,269 · Management $565,771 · Fundraising $39,734$1,120,774
IX-12 Advertising and promotionPrograms $6,591 · Fundraising $5,000$11,591
IX-13 Office expensesPrograms $149,393 · Management $42,041 · Fundraising $2,669$194,103
IX-14 Information technologyPrograms $4,719$4,719
IX-16 OccupancyPrograms $47,488 · Management $66,808$114,296
IX-17 TravelPrograms $298,722 · Management $42,914 · Fundraising $50,057$391,693
IX-19 Conferences, conventions and meetingsPrograms $456,485 · Management $16,592$473,077
IX-22 Depreciation, depletion and amortizationPrograms $30,473$30,473
IX-23 InsurancePrograms $5,745 · Management $25,544$31,289
IX-24 Other expenses (24a–d)Programs $392,242 · Management $286,334 · Fundraising $23,024$701,600
IX-24e All other expensesPrograms $16,870$16,870
IX-25 Total functional expensesPrograms $21,325,882 · Management $2,869,941 · Fundraising $1,799,946$25,995,769
Part X · Balance sheet $35,680,143 assets, 14 lines filed
X-1 Cash, non-interest-bearingStart of year $1,567,969$3,804,248
X-2 Savings and temporary cash investmentsStart of year $20,165,613$30,293,177
X-3 Pledges and grants receivableStart of year $15,471,233$105,231
X-9 Prepaid expenses and deferred chargesStart of year $855,359$1,264,127
X-10c Land, buildings and equipment, netStart of year $73,214$118,179
X-15 Other assetsStart of year $10,349$95,181
X-16 Total assetsStart of year $38,143,737$35,680,143
X-17 Accounts payable and accrued expensesStart of year $877,583$1,055,868
X-25 Other liabilitiesStart of year $0$3,687
X-26 Total liabilitiesStart of year $1,188,200$1,059,555
X-27 Net assets without donor restrictionsStart of year $16,110,685$20,893,364
X-28 Net assets with donor restrictionsStart of year $20,844,852$13,727,224
X-32 Total net assets or fund balancesStart of year $36,955,537$34,620,588
X-33 Total liabilities and net assetsStart of year $38,143,737$35,680,143
Part XI · Reconciliation of net assets $34,620,588 net assets at year end
XI-1 Total revenue$23,777,495
XI-2 Total expenses$25,995,769
XI-3 Revenue less expenses−$2,218,274
XI-4 Net assets at start of year$36,955,537
XI-9 Other changes in net assets−$116,675
XI-10 Net assets at end of year$34,620,588

Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File

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