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Embrace Living Charities

Tax-deductible

Oak Brook, IL501(c)(3)Human Services EIN 36-2166970Revenue $1.2M in FY2024

On file with the IRSembraceliving.org1900 Spring Rd Ste 450, 60523-1481 · Oak Brook, ILTax-exempt since Jul 1941Publicly supported charity — 170(b)(1)(A)(vi)

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To provide actively aging adults affordable welcoming homes in communities that Embrace Living.

501(c)(3) charity; gifts are tax-deductible.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78

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
5 of 5
filings with a surplus
Average surplus $623K a year · 76% of revenue · last 5 filings
Looks good: a surplus in 5 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Spent on programs
0%
of spending
Concern: 0% of spending went to programs; under 50%.
Pt IX · Ln 25 · col B
Cash reserves
18 mo
of spending, in cash
Looks good: 18.4 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
2
named funders · $10K
Fine: 2 funders name it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$47K
0.1% of total assets
Looks good: liabilities are 0% of assets; 50% or less.
Pt X · Ln 26
Independent board members
7
of 8 voting members
Looks good: 7 of 8 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$1.2M
+70% vs prior year
Spent
$295K
To programs
0%
Net assets
$38.4M
By yearFY2020–FY2024
Revenue
$1.2M
FY2024▲ +70%
Tap a bar for its year
Revenue by fiscal year
FY2020$728K
FY2021$586K
FY2022$829K
FY2023$732K
FY2024$1.2M
Expenses
$295K
FY2024▲ +9%
Tap a bar for its year
Expenses by fiscal year
FY2020$81K
FY2021$163K
FY2022$192K
FY2023$270K
FY2024$295K
Net assets
$38.4M
FY2024▲ +77%
Tap a bar for its year
Net assets by fiscal year
FY2020$19.6M
FY2021$21.9M
FY2022$19.0M
FY2023$21.7M
FY2024$38.4M

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

Give Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Jul 1941.

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

Where the money goes

What each dollar paid for.

Management & general 100% · $295K

Form 990 Part IX, line 25. Every line is in By the numbers.

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Who runs it and what they're paid

14 people listed on the 990.

Part VII, Section A · reportable compensation
Irv Woods
Director
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Ruth Carlson
Director
$0Pt VII · Sec A
Scott Meyer
Chairman
$0Pt VII · Sec A
Tonya Pitts
Director
$0Pt VII · Sec A
Anne M Oliva
Vice President & CFO
$0Pt VII · Sec A
See Embrace Living Charities executive salaries →

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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

Offers affordable, welcoming homes for active seniors in supportive communities.

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Provided by the organization

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1 program · in their own filed words · FY2024
01

Embrace living charities, a nonprofit organization was established in 1894 to provide programs and services for the elderly. Embrace living charities is the fundraising arm for embrace living communities.

Pt IX · col B

Funders

Who pays for it.

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

Grants

Schedule I · funders on record
Grants received · FY2024
Caroline B R Cepek Tr Uw 01-21229FY2024$5K
Edward M Ozias Charitable Trust 14536FY2024$4K
Total grants receivedfrom 2 funders$10K

By the numbers

The FY2024 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$1.2M
Ln 12
Investment incomeLn 3$866K
Gifts and grantsLn 1h$373K
Other incomeLn 4–11$2K
Money outPt IX
$295K
Ln 25
Managementcol C$295K
Owns and owesPt X
$38.4M
net assets · Ln 32
Cash and savingsLn 1–2$452K
Total assetsLn 16$38.5M
LiabilitiesLn 26$47K
PeoplePt VI, VII
14
listed · VII A
PaidVII A0
Voting boardVI 1a8
IndependentVI 1b7
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$373K
Investment incomeLn 3$866K
Other incomeLn 4–11$2K
Total revenueLn 12$1.2M
Assets in detailPt X, end of year
CashLn 1$452K
Cash and savings togetherLn 1–2$452K
Other assetsLn 15$38.0M
Total assetsLn 16$38.5M
LiabilitiesLn 26$47K
Net assetsLn 32$38.4M
OperationsPt I, VI
EmployeesI 50
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$793K$452K
Total assetsLn 16$21.7M$38.5M
LiabilitiesLn 26$29K$47K
Net assetsLn 32$21.7M$38.4M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Accounting feesLn 11c$6K$6K
Other fees for servicesLn 11g$235K$235K
Office expensesLn 13$3K$3K
OccupancyLn 16$49K$49K
Conferences, conventions and meetingsLn 19$98$98
All other expensesLn 24e$1K$1K
Total functional expensesLn 25$295K$0$295K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest Viewing $1.2M$295K$947K$38.4M 990 PDF
FY2023 $732K$270K$461K$21.7M 990 PDF
FY2022 $829K$192K$637K$19.0M 990 PDF
FY2021 $586K$163K$423K$21.9M 990 PDF
FY2020 $728K$81K$647K$19.6M 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2024 990 (6 parts)
Part I · Summary $1,241,562 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $52,827$373,287
I-9 Program service revenuePrior year $0$0
I-10 Investment incomePrior year $678,830$865,863
I-11 Other revenuePrior year $0$2,412
I-12 Total revenuePrior year $731,657$1,241,562
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $0$0
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $270,434$294,773
I-18 Total expensesPrior year $270,434$294,773
I-19 Revenue less expensesPrior year $461,223$946,789
Part VI · Governance 7 of 8 board members independent, no flags
VI-1a Voting members of the governing body8
VI-1b Independent voting members7
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $1,241,562 across 4 lines filed
Lines not itemized here account for $2,412 of total revenue; see the IRS return.
VIII-1f All other contributions, gifts and grants$373,287
VIII-1h Total contributions, gifts and grants$373,287
VIII-3 Investment incomeExcluded from tax $865,863$865,863
VIII-12 Total revenueRelated to mission $2,412 · Unrelated business $0 · Excluded from tax $865,863$1,241,562
Part IX · Statement of functional expenses $294,773 across 6 lines filed
IX-11c Accounting feesManagement $6,350$6,350
IX-11g Other fees for servicesManagement $235,136$235,136
IX-13 Office expensesManagement $2,835$2,835
IX-16 OccupancyManagement $49,283$49,283
IX-19 Conferences, conventions and meetingsManagement $98$98
IX-24e All other expensesManagement $1,071$1,071
IX-25 Total functional expensesPrograms $0 · Management $294,773 · Fundraising $0$294,773
Part X · Balance sheet $38,480,722 assets, 11 lines filed
X-1 Cash, non-interest-bearingStart of year $793,250$451,741
X-4 Accounts receivableStart of year $4,117$8,361
X-15 Other assetsStart of year $20,921,322$38,020,620
X-16 Total assetsStart of year $21,718,689$38,480,722
X-17 Accounts payable and accrued expensesStart of year $24,084$40,313
X-25 Other liabilitiesStart of year $4,464$6,661
X-26 Total liabilitiesStart of year $28,548$46,974
X-27 Net assets without donor restrictionsStart of year $17,008,778$33,204,513
X-28 Net assets with donor restrictionsStart of year $4,681,363$5,229,235
X-32 Total net assets or fund balancesStart of year $21,690,141$38,433,748
X-33 Total liabilities and net assetsStart of year $21,718,689$38,480,722
Part XI · Reconciliation of net assets $38,433,748 net assets at year end
XI-1 Total revenue$1,241,562
XI-2 Total expenses$294,773
XI-3 Revenue less expenses$946,789
XI-4 Net assets at start of year$21,690,141
XI-5 Net unrealized gains (losses) on investments$1,862,985
XI-9 Other changes in net assets$13,933,833
XI-10 Net assets at end of year$38,433,748

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

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