Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Oct 2006.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Where the money goes
67 cents of each dollar spent went to programs.
Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.
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Who runs it and what they're paid
24 people listed on the 990; $136K paid to officers and key staff.
Judith Herbst’s $184K as Executive Director is at the 99th percentile of top reported officer pay among 2168 $100K–1M human services 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 · 2 named individuals · Part VII
| Name | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Judith Herbst | $183,626 | $136,058 | $136,500 | $100,000 | — |
| Lisa Ernst | — | — | — | — | $107,319 |
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
Empowers women to achieve financial independence via counseling and education.
Questions for Savvy Ladies
Your first name shows with your question. Savvy Ladies answers here, for everyone.
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The organization provides financial literacy education programs for women. This includes seminars, webinars and workshops. Women have access to free financial guidance on personal finance issues and retirement planning via helpline, email, or telephone.
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2022 990, line by line.
Download 990
| Line | Start FY22 | End FY22 |
|---|---|---|
| Cash and savingsLn 1–2 | $263K | $366K |
| Total assetsLn 16 | $282K | $404K |
| LiabilitiesLn 26 | $58K | $36K |
| Net assetsLn 32 | $224K | $368K |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Pay of current officers, directors and key staffLn 5 | $154K | $110K | $28K | $16K |
| Other salaries and wagesLn 7 | $55K | $39K | $10K | $7K |
| Other employee benefitsLn 9 | $5K | $3K | $876 | $525 |
| Payroll taxesLn 10 | $15K | $10K | $3K | $2K |
| Legal feesLn 11b | $1K | $1K | ||
| Accounting feesLn 11c | $10K | $10K | ||
| Other fees for servicesLn 11g | $30K | $30K | ||
| Advertising and promotionLn 12 | $3K | $3K | ||
| Office expensesLn 13 | $6K | $1K | $4K | $166 |
| InterestLn 20 | $221 | $221 | ||
| InsuranceLn 23 | $6K | $6K | ||
| Other expenses (24a–d)Ln 24 | $136K | $116K | $4K | $16K |
| All other expensesLn 24e | $6K | $6K | $484 | $96 |
| Total functional expensesLn 25 | $427K | $285K | $101K | $41K |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2024 Latest | $649K | $595K | $54K | $536K | 990 PDF |
| FY2023 | $581K | $467K | $114K | $482K | 990 PDF |
| FY2022 Viewing | $570K | $427K | $144K | $368K | 990 PDF |
| FY2021 | $456K | $405K | $51K | $224K | 990 PDF |
| FY2020 | $316K | $265K | $51K | $173K | 990 PDF |
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Schedules filed Part IV
See the full FY2022 990 (6 parts)
Part I · Summary $570,381 revenue, 12 lines filed
Part VI · Governance 20 of 21 board members independent, no flags
Part VIII · Statement of revenue $570,381 across 6 lines filed
Part IX · Statement of functional expenses $426,706 across 13 lines filed
Part X · Balance sheet $404,301 assets, 11 lines filed
Part XI · Reconciliation of net assets $368,171 net assets at year end
Form 990 e-file (XML) FY2022 from the IRS · Classification, formation year and address from the IRS Business Master File
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