Retiresafe FY2021 filing

Washington, DC501(c)(4)EIN 48-1108059

Retiresafe is dedicated to preserving the options and benefits of older americans through advocacy, education, and the power of free markets. Our focus is on social security, medicare, health, safer retirement and financial well-being.

87¢ of each $1 spent went to programs.
$125K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Programs: Part IX · Pay: Part VII

Before you give

FY2021 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(4)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
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 5
filings with a surplus
Average deficit $33K a year · 5% of revenue · last 5 filings
Concern: a surplus in 2 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Spent on programs
87%
of spending
Looks good: 87% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$125K
to officers and key staff · 11% of spending
Looks good: pay to officers and key staff is 11% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
4 mo
of spending, in cash
Looks good: 3.9 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $125K
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$2K
0.6% of total assets
Looks good: liabilities are 1% of assets; 50% or less.
Pt X · Ln 26
Independent board members
4
of 4 voting members
Looks good: 4 of 4 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
+19% vs prior year
Spent
$1.2M
To programs
87%
Net assets
$388K
By yearFY2020–FY2024
Revenue
$1.2M
FY2021▲ +19%
Revenue by fiscal year
FY2020$975K
FY2021$1.2M
FY2022$559K
FY2023$221K
FY2024$239K
Expenses
$1.2M
FY2021▲ +35%
Expenses by fiscal year
FY2020$855K
FY2021$1.2M
FY2022$623K
FY2023$364K
FY2024$322K
Net assets
$388K
FY2021▲ +0.6%
Net assets by fiscal year
FY2020$386K
FY2021$388K
FY2022$324K
FY2023$181K
FY2024$99K

From the FY2021 Form 990 · see the original

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You’re viewing the FY2021 filing — not the latest on file. See the latest (FY2024) →

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Dec 1991.

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

Where the money goes

87 cents of each dollar spent went to programs.

Program services 87% · $1.0M Management & general 10% · $121K Fundraising 3% · $33K

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

Who runs it and what they're paid

5 people listed on the 990; $125K paid to officers and key staff.

Part VII, Section A · reportable compensation
President/CEO
$125,000Pt VII · Sec A
$0Pt VII · Sec A
Vice Chairman
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A

Compensation history total reportable pay by year · 1 named individual · Part VII

NameFY2024FY2023FY2022FY2021FY2020
Mark Gibbons$155,925$148,500$135,000$125,000$121,000

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 15aNo

Programs and updates

Advocates for older Americans' retirement options and benefits through education and free market principles.

Provided by the organization

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2 program services account for $1.0M of program spending, described in the organization's own filed words · FY2021.
01

Lobbying

The organization engages in grassroots lobbying and direct lobbying of the legislative and executive branches and civilian agencies.

$525Kprogram expense
02

Public Education and Grassroots Development

The organization disseminates information to the general public via senior expositions, conferences, internet, social media, grassroots interaction, press releases, articles, research papers, newsletters and public testimony.

$479Kprogram 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 · funders on record
Grants received · FY2024
Total grants receivedfrom 1 funder$125K

By the numbers

The FY2021 990, line by line.

1The main four
Money inPt VIII
$1.2M
Ln 12
Gifts and grantsLn 1h$1.2M
Investment incomeLn 3$38
Money outPt IX
$1.2M
Ln 25
Programscol B$1.0M
Managementcol C$121K
Fundraisingcol D$33K
Owns and owesPt X
$388K
net assets · Ln 32
Cash and savingsLn 1–2$376K
Total assetsLn 16$390K
LiabilitiesLn 26$2K
PeoplePt VI, VII
5
listed · VII A
PaidVII A1
Voting boardVI 1a4
IndependentVI 1b4
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$1.2M
Investment incomeLn 3$38
Gains on assetsLn 7$0
Total revenueLn 12$1.2M
Assets in detailPt X, end of year
CashLn 1$256K
SavingsLn 2$121K
Cash and savings togetherLn 1–2$376K
InvestmentsLn 11–13$0
Land, buildings, equipmentLn 10c$0
Other assetsLn 15$0
Total assetsLn 16$390K
LiabilitiesLn 26$2K
Net assetsLn 32$388K
OperationsPt I, VI
EmployeesI 52
VolunteersI 61
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 FY21End FY21
Cash and savingsLn 1–2$374K$376K
InvestmentsLn 11–13$0
Land, buildings, equipmentLn 10c$0
Total assetsLn 16$390K$390K
LiabilitiesLn 26$4K$2K
Net assetsLn 32$386K$388K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$0
Grants to domestic individualsLn 2$0
Grants and assistance to foreign recipientsLn 3$0
Benefits paid to or for membersLn 4$0
Pay of current officers, directors and key staffLn 5$125K$73K$33K$19K
Pay of disqualified personsLn 6$0
Other salaries and wagesLn 7$20K$20K
Pension plan contributionsLn 8$7K$5K$1K$910
Other employee benefitsLn 9$734$517$120$97
Payroll taxesLn 10$12K$9K$2K$2K
Management feesLn 11a$0
Legal feesLn 11b$200$200
Accounting feesLn 11c$36K$36K
Lobbying feesLn 11d$0
Professional fundraising feesLn 11e$0
Investment management feesLn 11f$0
Other fees for servicesLn 11g$3K$3K
Advertising and promotionLn 12$0
Office expensesLn 13$12K$7K$3K$2K
Information technologyLn 14$22K$18K$2K$1K
RoyaltiesLn 15$0
OccupancyLn 16$21K$13K$5K$3K
TravelLn 17$5K$3K$1K$677
Travel and entertainment for public officialsLn 18$0
Conferences, conventions and meetingsLn 19$0
InterestLn 20$0
Payments to affiliatesLn 21$0
Depreciation, depletion and amortizationLn 22$0
InsuranceLn 23$570$570
Other expenses (24a–d)Ln 24$892K$872K$16K$4K
All other expensesLn 24e$0
Total functional expensesLn 25$1.2M$1.0M$121K$33K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest $239K$322K−$83K$99K 990 PDF
FY2023 $221K$364K−$143K$181K 990 PDF
FY2022 $559K$623K−$64K$324K 990 PDF
FY2021 Viewing $1.2M$1.2M$2K$388K 990 PDF
FY2020 $975K$855K$120K$386K 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 FY2021 990 (4 parts)
Part VIII · Statement of revenue $1,159,704 across 8 lines filed
VIII-1f All other contributions, gifts and grants$1,159,666
VIII-1h Total contributions, gifts and grants$1,159,666
VIII-3 Investment incomeExcluded from tax $38$38
VIII-5 Royalties$0
VIII-6 Net rental income or loss$0
VIII-7 Net gain or loss on sales of assets$0
VIII-8 Net income from fundraising events$0
VIII-12 Total revenueExcluded from tax $38$1,159,704
Part IX · Statement of functional expenses $1,157,539 across 31 lines filed
IX-1 Grants to domestic organizations$0
IX-2 Grants to domestic individuals$0
IX-3 Grants and assistance to foreign recipients$0
IX-4 Benefits paid to or for members$0
IX-5 Pay of current officers, directors and key staffPrograms $72,896 · Management $32,994 · Fundraising $19,110$125,000
IX-6 Pay of disqualified persons$0
IX-7 Other salaries and wagesManagement $19,500$19,500
IX-8 Pension plan contributionsPrograms $4,859 · Management $1,123 · Fundraising $910$6,892
IX-9 Other employee benefitsPrograms $517 · Management $120 · Fundraising $97$734
IX-10 Payroll taxesPrograms $8,750 · Management $2,023 · Fundraising $1,639$12,412
IX-11a Management fees$0
IX-11b Legal feesManagement $200$200
IX-11c Accounting feesManagement $36,496$36,496
IX-11d Lobbying fees$0
IX-11e Professional fundraising fees$0
IX-11f Investment management fees$0
IX-11g Other fees for servicesPrograms $3,425$3,425
IX-12 Advertising and promotion$0
IX-13 Office expensesPrograms $7,256 · Management $3,023 · Fundraising $1,813$12,092
IX-14 Information technologyPrograms $18,085 · Management $2,352 · Fundraising $1,412$21,849
IX-15 Royalties$0
IX-16 OccupancyPrograms $12,874 · Management $5,364 · Fundraising $3,219$21,457
IX-17 TravelPrograms $2,710 · Management $1,129 · Fundraising $677$4,516
IX-18 Travel and entertainment for public officials$0
IX-19 Conferences, conventions and meetings$0
IX-20 Interest$0
IX-21 Payments to affiliates$0
IX-22 Depreciation, depletion and amortization$0
IX-23 InsuranceManagement $570$570
IX-24 Other expenses (24a–d)Programs $872,375 · Management $15,796 · Fundraising $4,225$892,396
IX-24e All other expenses$0
IX-25 Total functional expensesPrograms $1,003,747 · Management $120,690 · Fundraising $33,102$1,157,539
Part X · Balance sheet $390,270 assets, 19 lines filed
X-1 Cash, non-interest-bearingStart of year $253,278$255,589
X-2 Savings and temporary cash investmentsStart of year $120,735$120,773
X-3 Pledges and grants receivable$0
X-4 Accounts receivableStart of year $7,300$8,159
X-8 Inventories for sale or use$0
X-9 Prepaid expenses and deferred chargesStart of year $8,339$5,749
X-10c Land, buildings and equipment, net$0
X-11 Publicly traded securities$0
X-12 Other securities$0
X-13 Program-related investments$0
X-14 Intangible assets$0
X-15 Other assets$0
X-16 Total assetsStart of year $389,652$390,270
X-17 Accounts payable and accrued expensesStart of year $4,007$2,460
X-26 Total liabilitiesStart of year $4,007$2,460
X-27 Net assets without donor restrictionsStart of year $260,645$327,810
X-28 Net assets with donor restrictionsStart of year $125,000$60,000
X-32 Total net assets or fund balancesStart of year $385,645$387,810
X-33 Total liabilities and net assetsStart of year $389,652$390,270
Part XI · Reconciliation of net assets $387,810 net assets at year end
XI-1 Total revenue$1,159,704
XI-2 Total expenses$1,157,539
XI-3 Revenue less expenses$2,165
XI-4 Net assets at start of year$385,645
XI-10 Net assets at end of year$387,810

Form 990 e-file (XML) FY2021 from the IRS · Classification, formation year and address from the IRS Business Master File

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