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Wealth Watchers Inc

EIN 01-0638984 · Jacksonville, FL

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthFair59 out of 100GovernanceStrong90 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

THE MISSION OF WEALTH WATCHERS INC. IS TO BUILD VIABLE COMMUNITIES BY EXPANDING THE EDUCATION AND KNOWLEDGE OF INDIVIDUALS, FAMILIES, AND COMMUNITIES FOR THE PURPOSE OF UNDERSTANDING AND APPLYING ESSENTIAL FINANCIAL STRATEGIES THAT LEADS TO THE ACCUMULATION OF GENERATIONAL WEALTH.

Income
$3.8 million
Spending
$6.4 million
Spent on programs
92%
Reserves
10.7 months of spending
Largest source of income
donations and private grants, 47%
Employees
18
Highest pay
$482,900, president/ce

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Fair: 59 out of 100. Higher than 47% of charities in its peer group (housing, $1m to $10m).

  • Reserves

    28 of 35

    Spendable reserves would cover 10.7 months of spending.

  • Debt

    16 of 20

    It owes 19% of what it owns.

  • Living within its means

    0 of 15

    Spending exceeded income by 67% of income.

  • Income trend

    0 of 15

    Income fell 84% on the year before.

  • Spending floor

    15 of 15

    92% of spending went to programs and raising each dollar of donations cost 4 cents.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Strong: 90 out of 100. Higher than 51% of charities in its peer group (housing, $1m to $10m).

  • Independent board

    25 of 25

    6 of 6 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    8 of 8

    Has a written whistleblower policy.

  • Record keeping policy

    7 of 7

    Has a written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    0 of 10

    Did not give the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (5)
  1. $3.4 million spent. WEALTH WATCHERS IS A HUD CERTIFIED HOUSING COUNSELING AGENCY THAT IS COMMITTED TO PROVIDING A CYCLICAL APPROACH TO BUILDING WEALTH AMONG CITIZENS IN FLORIDA. WEALTH WATCHERS PROVIDES FINANCIAL COACHING, HOUSING COUNSELING AND EDUCATIONAL SERVICES TO INDIVIDUALS AND FAMILIES IN VARIOUS PARTS OF FLORIDA. WEALTH WATCHERS IS A MEMBER OF THE HOMEFREE USA HUD INTERMEDIARY NETWORK AND UNDERSTANDS THE IMPORTANCE OF EXPANDING THE KNOWLEDGE OF ALL INDIVIDUALS, ESPECIALLY THOSE IN THE LOW TO MIDDLE INCOME BRACKET, FOR THE PURPOSE OF UNDERSTANDING THE IMPORTANCE OF BASIC FINANCE AND THE ACCUMULATION OF WEALTH. RECOGNIZING THAT HOMEOWNERSHIP IS THE MAIN VEHICLE FOR BUILDING WEALTH AMONG MANY CITIZENS, WEALTH WATCHERS POSITION ITSELF TO BE A VIABLE RESOURCE FOR CITIZENS PURSUING HOMEOWNERSHIP OPPORTUNITIES AND THOSE WHO WERE IN JEOPARDY OF LOSING THEIR HOMES DUE TO FORECLOSURE. WEALTH WATCHERS IS A HUD CERTIFIED HOUSING COUNSELING AGENCY THAT IS COMMITTED TO PROVIDING A CYCLICAL APPROACH TO BUILDING WEALTH AMONG CITIZENS IN FLORIDA. WEALTH WATCHERS PROVIDES FINANCIAL COACHING, HOUSING COUNSELING AND EDUCATIONAL SERVICES TO INDIVIDUALS AND FAMILIES IN VARIOUS PARTS OF FLORIDA. WEALTH WATCHERS IS A MEMBER OF THE HOMEFREE USA HUD INTERMEDIARY NETWORK AND UNDERSTANDS THE IMPORTANCE OF EXPANDING THE KNOWLEDGE OF ALL INDIVIDUALS, ESPECIALLY THOSE IN THE LOW TO MIDDLE INCOME BRACKET, FOR THE PURPOSE OF UNDERSTANDING THE IMPORTANCE OF BASIC FINANCE AND THE ACCUMULATION OF WEALTH. RECOGNIZING THAT HOMEOWNERSHIP IS THE MAIN VEHICLE FOR BUILDING WEALTH AMONG MANY CITIZENS, WEALTH WATCHERS POSITION ITSELF TO BE A VIABLE RESOURCE FOR CITIZENS PURSUING HOMEOWNERSHIP OPPORTUNITIES AND THOSE WHO WERE IN JEOPARDY OF LOSING THEIR HOMES DUE TO FORECLOSURE.
  2. $1.6 million spent. WEALTH WATCHERS, INC. IS AMONG MANY ORGANIZATIONS IN NORTH FLORIDA PROMOTING THE NEED FOR AFFORDABLE HOUSING IN JACKSONVILLE, FL, AND THE SURROUNDING COMMUNITIES. THE ORGANIZATION HAS A COMBINATION OF SINGLE- FAMILY HOMES AND MULTI-UNIT PROPERTIES CURRENTLY RENTED TO LOW- AND MIDDLE-INCOME FAMILIES. WEALTH WATCHERS, INC., CONTRIBUTION TO AFFORDABLE RENTAL HOUSING PROMOTES ECONOMIC DIVERSITY AND THE CREATION OR SUSTAINING OF MIXED-INCOME NEIGHBORHOODS. PRESERVING AFFORDABLE RENTALS ALSO ALLOWS LONGTIME RESIDENTS TO REMAIN IN THEIR NEIGHBORHOODS. WEALTH WATCHERS CONTINUES TO MEET THE DEMAND FOR AFFORDABLE RENTAL HOUSING THROUGH COLLABORATION AMONG GOVERNMENT, PRIVATE, AND PUBLIC FUNDING SOURCES. THESE GROUPS ARE MOTIVATED TO PRESERVE AFFORDABLE HOUSING BECAUSE OF ITS IMPACT AT THE INDIVIDUAL HOUSEHOLD, NEIGHBORHOOD, AND COMMUNITY LEVEL. FOR SOME HOUSEHOLDS, PRESERVATION SAFEGUARDS AFFORDABILITY DURING A TIME OF RISING HOUSING COSTS AND SHRINKING INCOMES. IT FURTHER HELPS TO REVITALIZE AND STABILIZE NEIGHBORHOODS THAT CAN OFFER ACCESS TO OPPORTUNITY. WEALTH WATCHERS, INC. IS AMONG MANY ORGANIZATIONS IN NORTH FLORIDA PROMOTING THE NEED FOR AFFORDABLE HOUSING IN JACKSONVILLE, FL, AND THE SURROUNDING COMMUNITIES. THE ORGANIZATION HAS A COMBINATION OF SINGLE- FAMILY HOMES AND MULTI-UNIT PROPERTIES CURRENTLY RENTED TO LOW- AND MIDDLE-INCOME FAMILIES. WEALTH WATCHERS, INC., CONTRIBUTION TO AFFORDABLE RENTAL HOUSING PROMOTES ECONOMIC DIVERSITY AND THE CREATION OR SUSTAINING OF MIXED-INCOME NEIGHBORHOODS. PRESERVING AFFORDABLE RENTALS ALSO ALLOWS LONGTIME RESIDENTS TO REMAIN IN THEIR NEIGHBORHOODS. WEALTH WATCHERS CONTINUES TO MEET THE DEMAND FOR AFFORDABLE RENTAL HOUSING THROUGH COLLABORATION AMONG GOVERNMENT, PRIVATE, AND PUBLIC FUNDING SOURCES. THESE GROUPS ARE MOTIVATED TO PRESERVE AFFORDABLE HOUSING BECAUSE OF ITS IMPACT AT THE INDIVIDUAL HOUSEHOLD, NEIGHBORHOOD, AND COMMUNITY LEVEL. FOR SOME HOUSEHOLDS, PRESERVATION SAFEGUARDS AFFORDABILITY DURING A TIME OF RISING HOUSING COSTS AND SHRINKING INCOMES. IT FURTHER HELPS TO REVITALIZE AND STABILIZE NEIGHBORHOODS THAT CAN OFFER ACCESS TO OPPORTUNITY.
  3. $828,192 spent. WEALTH WATCHERS INC. IS A SUBSTANTIAL CONTRIBUTOR TO THE ECONOMIC SUSTAINABILITY IN URBAN AND RURAL COMMUNITIES THROUGHOUT FLORIDA AND GEORGIA. WEALTH WATCHERS PROVIDES PRODUCTS AND SERVICES THAT CREATE A PROSPEROUS, THRIVING ECOSYSTEM THAT IS THE CATALYST FOR ECONOMIC DEVELOPMENT, WORKFORCE DEVELOPMENT, HOME OWNERSHIP AND OTHER QUALITY HOUSING OPTIONS. THESE PRODUCTS AND SERVICES CONTRIBUTE TO THE OVERALL WEALTH AND STABILITY OF THE PEOPLE AND COMMUNITIES IT SERVES. WEALTH WATCHERS IS COMMITTED TO ENSURING THAT ALL RESIDENTS HAVE A VOICE AND WE BELIEVE THAT RESIDENT LEADERSHIP AND ENGAGEMENT ARE ESSENTIAL TO ENSURING WE ARE BUILDING VIABLE COMMUNITIES. WEALTH WATCHERS IS A CHARTERED MEMBER OF NEIGHBORWORKS AMERICA, A NETWORK OF THE TOP HIGH IMPACT AND COLLABORATIVE COMMUNITY DEVELOPMENT AND HOUSING COUNSELING ORGANIZATIONS IN THE COUNTRY. WEALTH WATCHERS INC. IS A SUBSTANTIAL CONTRIBUTOR TO THE ECONOMIC SUSTAINABILITY IN URBAN AND RURAL COMMUNITIES THROUGHOUT FLORIDA AND GEORGIA. WEALTH WATCHERS PROVIDES PRODUCTS AND SERVICES THAT CREATE A PROSPEROUS, THRIVING ECOSYSTEM THAT IS THE CATALYST FOR ECONOMIC DEVELOPMENT, WORKFORCE DEVELOPMENT, HOME OWNERSHIP AND OTHER QUALITY HOUSING OPTIONS. THESE PRODUCTS AND SERVICES CONTRIBUTE TO THE OVERALL WEALTH AND STABILITY OF THE PEOPLE AND COMMUNITIES IT SERVES. WEALTH WATCHERS IS COMMITTED TO ENSURING THAT ALL RESIDENTS HAVE A VOICE AND WE BELIEVE THAT RESIDENT LEADERSHIP AND ENGAGEMENT ARE ESSENTIAL TO ENSURING WE ARE BUILDING VIABLE COMMUNITIES. WEALTH WATCHERS IS A CHARTERED MEMBER OF NEIGHBORWORKS AMERICA, A NETWORK OF THE TOP HIGH IMPACT AND COLLABORATIVE COMMUNITY DEVELOPMENT AND HOUSING COUNSELING ORGANIZATIONS IN THE COUNTRY.
  4. $97,867 spent. WEALTH WATCHERS, INC. THROUGH FUNDS RECEIVED FROM USDA RURAL MICRO- ENTREPRENEUR ASSISTANT PROGRAM (RMAP) IS PROVIDING LOANS TO SMALL BUSINESSES IN RURAL AREAS OF NORTHEAST FLORIDA AND SOUTHEAST, SOUTHWEST, AND CENTRAL GEORGIA. THE ORGANIZATION CURRENTLY HAS EXTENDED FOUR LOANS TO VARIOUS SMALL BUSINESSES.
  5. WEALTH WATCHERS, INC. THROUGH FUNDS RECEIVED FROM USDA RURAL MICRO- ENTREPRENEUR ASSISTANT PROGRAM (RMAP) IS PROVIDING LOANS TO SMALL BUSINESSES IN RURAL AREAS OF NORTHEAST FLORIDA AND SOUTHEAST, SOUTHWEST, AND CENTRAL GEORGIA. THE ORGANIZATION CURRENTLY HAS EXTENDED FOUR LOANS TO VARIOUS SMALL BUSINESSES.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending December 2025.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since July 2002.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.