Nonprofit · EIN 75-3109240
FINANCIAL WELLNESS INSTITUTE INC
Also known as CREDITWORTHY
Tax-exempt · WOODBURY, NJ 08096
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $293,302 | $211,464 | $81,838 | $1,138,375 | $1,211,969 | -$73,594 |
| December 31, 2024 | 990 | $149,920 | $326,332 | -$176,412 | $663,666 | $819,098 | -$155,432 |
| December 31, 2023 | 990 | $305,723 | $292,451 | $13,272 | $274,333 | $253,353 | $20,980 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $279,946
- of which government grants
- $118,196
- Program service revenue
- $13,356
- Investment income
- $0
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $27,500
- Other salaries and wages
- $14,690
- Salaries, compensation and benefits (total)
- $56,088
- Professional fundraising fees
- $0
- Accounting fees
- $15,220
- Travel
- $5,987
- Program services (functional)
- $183,972
- Management and general (functional)
- $27,492
Balance sheet and other
- Total assets, start of year
- $663,666
- Total assets, end of year
- $1,138,375
- Total liabilities, end of year
- $1,211,969
- Net assets, end of year
- -$73,594
- Net assets without donor restrictions
- -$73,594
- Gross receipts
- $293,302
- Employees
- 3
- Volunteers
- 11
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Wanda Hardy | CEO Officer | 40 | $27,500 |
| Tiffanie Talley-Baines | Vice President Trustee or director, Officer | 1 | $0 |
| Vincent Spano | Vice President Trustee or director, Officer | 1 | $0 |
| Melissa Fox | Trustee Trustee or director | 1 | $0 |
| Crystal Dundas | Trustee Trustee or director | 2 | $0 |
| Nadira Farouk | CFO Trustee or director, Officer | 1 | $0 |
| Daniel Mak | Chairperson Trustee or director, Officer | 2 | $0 |
| Robert Juliano | Treasurer Trustee or director, Officer | 2 | $0 |
| Barbara Wallace | Secretary Trustee or director, Officer | 1 | $0 |
| Anthony Wehbe | Trustee Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 11 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Wanda Hardy | CEO Officer | 40 | $165,000 |
| Tiffanie Talley-Baines | Secretary Trustee or director, Officer | 1 | $0 |
| Vincent Spano | Trustee Trustee or director | 1 | $0 |
| Melissa Fox | Trustee Trustee or director | 1 | $0 |
| Crystal Dundas | Vice Chair Trustee or director, Officer | 2 | $0 |
| Darrin Gould | Trustee Trustee or director | 1 | $0 |
| Daniel Mak | Chairperson Trustee or director, Officer | 2 | $0 |
| Robert Juliano | Treasurer Trustee or director, Officer | 2 | $0 |
| Robin Todd | Trustee Trustee or director | 1 | $0 |
| Barbara Wallace | Trustee Trustee or director | 1 | $0 |
| Anthony Wehbe | Trustee Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 11 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Wanda Hardy | CEO Officer | 40 | $127,187 |
| Tiffanie Talley-Baines | Secretary Trustee or director, Officer | 1 | $0 |
| Vincent Spano | Trustee Trustee or director | 1 | $0 |
| Melissa Fox | Trustee Trustee or director | 1 | $0 |
| Crystal Dundas | Vice Chair Trustee or director, Officer | 2 | $0 |
| Darrin Gould | Trustee Trustee or director | 1 | $0 |
| Daniel Mak | Chairperson Trustee or director, Officer | 2 | $0 |
| Robert Juliano | Treasurer Trustee or director, Officer | 2 | $0 |
| Robin Todd | Trustee Trustee or director | 1 | $0 |
| Barbara Wallace | Trustee Trustee or director | 1 | $0 |
| Anthony Wehbe | Trustee Trustee or director | 1 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 5656, WOODBURY, NJ 08096-0656
- In care of
- % WANDA P HARDY
- Signed the 990
- Wanda Hardy, CEO
- Phone
- (856) 251-0311
- Return prepared by
- Ditmars Perazza & Co LLP
Mission
Strengthen individuals and families and empowering communities toward economic stability.
Program accomplishments
- In support of our mission the Financial Wellness Instutute conducted programs and provided support to individuals and families in the following programs:1. Financial Eduction & Economic Empowerment2, Housing 3. Other Programs Small Business Technical Support Workforce Development - Career ServicesExpenses $183,972
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 75-3109240
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 2003
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Education (B60)
- Assets (IRS master file)
- $1,138,375
- Income (IRS master file)
- $293,302
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $293,302 | $211,464 | $1,138,375 | IRS |
| 990 | December 2024 | $149,920 | $326,332 | $663,666 | XML |
| 990 | December 2023 | $305,723 | $292,451 | $274,333 | XML |
| 990 | December 2022 | $292,709 | $289,708 | $210,091 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990-EZ | December 2019 | – | – | – | IRS |
| 990-EZ | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 75-3109240).
Questions about FINANCIAL WELLNESS INSTITUTE INC
- What is the EIN of FINANCIAL WELLNESS INSTITUTE INC?
- The employer identification number (EIN) of FINANCIAL WELLNESS INSTITUTE INC is 75-3109240.
- Is FINANCIAL WELLNESS INSTITUTE INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2003.
- Are donations to FINANCIAL WELLNESS INSTITUTE INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does FINANCIAL WELLNESS INSTITUTE INC file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of FINANCIAL WELLNESS INSTITUTE INC due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did FINANCIAL WELLNESS INSTITUTE INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who are the officers and directors of FINANCIAL WELLNESS INSTITUTE INC?
- The 990 for the year ended December 31, 2025 lists 10 people; 1 received compensation from the organization, the highest $27,500 (Wanda Hardy, CEO).
- How much revenue does FINANCIAL WELLNESS INSTITUTE INC have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $293,302, expenses of $211,464 and total assets of $1,138,375 at year end.
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