Planned to a T Inc

Nonprofit profile at a glance

EIN
863875975
IRS 990-EZ coverage
2021–2024
Forms available
Form 990-EZ 2024
Location
Atlanta, GA, USA
Phone
6788376274
Rating
49
Verdict
MIXED
Rating confidence
Moderate

Reported finances

Revenue
$162,963
Expenses
$171,722
Assets
$309
Liabilities
$2,220

Source: IRS Form 990-EZ. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

5 people listed

Executive titles in this filing

  • Ashley Rutland (Co-CEO)
  • Tiffany Pearson-Kilgore (Co-CEO)

People named in this filing

  • Ashley Rutland (Co-CEO)
  • Tiffany Pearson-Kilgore (Co-CEO)
  • Nicole Smith (Director)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990-EZ. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Our mission is to serve young people to improve their futures through financial wellness education. We used 16+ years of combined educational experience in collaboration with financial consultants to create an immersive financial education curriculum that starts young people on a pathway to living successful and stable financial lives.

What it reported doing in 2024

Increased the number of youth served by 300% and developed a program to launch virtually in 2025 to 2026 school year to expand program reach and impact further.

Operating model

Revenue model
Donor-supported. 100% of the money available for current operations came from contributions and gifts.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

MIXED - The filed numbers largely add up and program spending has grown recently. A relatively small share of available resources goes toward mission work and a relatively small share of total spending goes to programs.

Rating breakdown

  • Financial Efficiency: 6
  • Transparency & Controls: 100
  • Sustainability: 12
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 5.8%; rating input score 6
  • Program expense ratio: 5.5%; rating input score 6

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 52nd percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100

Sustainability

  • Operating margin: -5.4%; rating input score 22; 22nd percentile among comparable filings
  • Total-asset coverage ratio: 0; rating input score 3; 3rd percentile among comparable filings
  • Liabilities to assets ratio: 7.18; rating input score 1; 1st percentile among comparable filings
  • Officer compensation ratio: 61.6%; rating input score 2; 2nd percentile among comparable filings

Growth

  • Program expense growth: 28.9% per year; rating input score 100; 83rd percentile among comparable filings
  • Revenue growth: 61.7% per year; rating input score 100; 97th percentile among comparable filings
  • Asset growth: 24.1% per year; rating input score 100; 84th percentile among comparable filings

Details

  • Where the money goes: 5.8% of revenue deployed · 5.5% of spending went to programs
  • Governance: Filed governance answers
  • Accomplishments: 1 filed program accomplishment · $9K in reported program spending
  • Leadership: top reported pay $0 · 5 people listed
  • Consistency: 9 of 9 current checks pass
  • Schedules: 3 filed schedules
  • Filing history: 3 filing years from 2021 to 2024
  • Contacts: How to reach this organization
  • Money network: 2 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Financial Efficiency: Mission deployment rate scored 6/100.
  • High — Financial Efficiency: Program expense ratio scored 6/100.
  • High — Sustainability: Operating margin scored 22/100.
  • High — Sustainability: Total-asset coverage ratio scored 3/100.
  • High — Sustainability: Liabilities to assets ratio scored 1/100.
  • High — Sustainability: Officer compensation ratio scored 2/100.