Representative Financial Services Inc

Nonprofit profile at a glance

EIN
542193142
IRS 990-EZ coverage
2011–2025
Forms available
Form 990-EZ 2025
Location
Rhinelander, WI, USA
Phone
7154933167
Rating
35
Verdict
REVIEW
Rating confidence
Moderate
Sector
Personal Social Services

Reported finances

Revenue
$67,361
Expenses
$69,108
Assets
$8,660
Liabilities
$1,695

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

4 people listed

Executive titles in this filing

  • SHELLEY EADES (PRESIDENT)

People named in this filing

  • JEREMY BAKER (VICE-PRES)
  • SHELLEY EADES (PRESIDENT)
  • KATHLEEN BAKER (TREASURER/ KEY EMPLOYEE)

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 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The SS Administration requires our agency to be a non-profit corp to act as representative payee for our clients receiving SSA benefits who need our insured professional financial management due to disability or advanced age

What it reported doing in 2025

RFS has provided safe, insured financial managementservices to individuals needing these services

Operating model

Revenue model
Earned-program. 100% of the money available for current operations came from fees and other program revenue.
Distribution model
No current program activity. The filing reports no program spending for the current year.

The verdict

REVIEW - The filed numbers largely add up. 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: 0
  • Transparency & Controls: 82
  • Sustainability: 24
  • Growth: 20

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 0%; rating input score 0
  • Program expense ratio: 0%; rating input score 0

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
  • Major donor itemization: Limited

Sustainability

  • Operating margin: -2.6%; rating input score 38; 38th percentile among comparable filings
  • Total-asset coverage ratio: 0.13; rating input score 14; 14th percentile among comparable filings
  • Liabilities to assets ratio: 0.2; rating input score 12; 12th percentile among comparable filings
  • Officer compensation ratio: 25.5%; rating input score 7; 7th percentile among comparable filings

Growth

  • Program expense growth: -52.7% per year; rating input score 0; 8th percentile among comparable filings
  • Revenue growth: -1.2% per year; rating input score 0; 45th percentile among comparable filings
  • Asset growth: 5.8% per year; rating input score 100; 59th percentile among comparable filings

Details

  • Where the money goes: 0% of revenue deployed · 0% of spending went to programs
  • Governance: Filed governance answers
  • Accomplishments: 1 filed program accomplishment
  • Leadership: top reported pay $0 · 4 people listed
  • Consistency: 7 of 7 current checks pass
  • Schedules: 2 filed schedules
  • Filing history: 7 filing years from 2011 to 2025
  • 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.

Grant-readiness screening is separate from the live rating, not a measure of program quality. Review the source records before making a grant decision.

  • High — Financial Efficiency: Mission deployment rate scored 0/100.
  • High — Financial Efficiency: Program expense ratio scored 0/100.
  • High — Growth: Program expense growth scored 0/100.
  • High — Growth: Revenue growth scored 0/100.
  • Moderate — Sustainability: Operating margin scored 38/100.
  • High — Sustainability: Total-asset coverage ratio scored 14/100.
  • High — Sustainability: Officer compensation ratio scored 7/100.
  • High — Sustainability: Liabilities to assets ratio scored 12/100.
  • High — Grant Readiness: Automatic revocation: this organization had its federal tax-exempt status automatically revoked.