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Able Works

EIN 20-2175098 · San Francisco, CA

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

LegitimacyPassesRegistration and standingFinancial healthFair60 out of 100GovernanceGood82 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

TO EQUIP INDIVIDUALS WIH FINANCIAL EDUCATION, LIFE SKILLS AND ASSETS THAT ENABLE THEM TO LIVE FREE FROM OPPRESSION AND POVERTY.

Income
$1.9 million
Spending
$2.0 million
Spent on programs
77%
Reserves
2.4 months of spending
Largest source of income
donations and private grants, 73%
Employees
20
Volunteers
15
Highest pay
$134,987, ceo

Source: Form 990 for the year ending September 30, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Fair: 60 out of 100. Higher than 33% of charities in its peer group (community improvement, $1m to $10m).

  • Reserves

    10 of 35

    Spendable reserves would cover 2.4 months of spending.

  • Debt

    16 of 20

    It owes 29% of what it owns.

  • Living within its means

    4 of 15

    Spending exceeded income by 7% of income.

  • Income trend

    15 of 15

    Income rose 7% on the year before.

  • Spending floor

    15 of 15

    77% of spending went to programs and raising each dollar of donations cost 14 cents.

Source: Form 990 for the year ending September 30, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Good: 82 out of 100. Higher than 35% of charities in its peer group (community improvement, $1m to $10m).

  • Independent board

    25 of 25

    11 of 11 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

    0 of 7

    Reports no written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    0 of 5

    Reports no independent review process for its chief executive's pay.

  • Independent check of accounts

    9 of 15

    Its accounts were reviewed or compiled by an independent accountant, but not audited.

  • No reported misuse

    10 of 10

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

Source: Form 990 for the year ending September 30, 2024, 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 (4)
  1. $580,464 spent. YOUTH PROGRAM: THE "FUTURE PROFITS" PROGRAM GOAL IS THE ENSURE JUNIOR AND SENIOR HIGH SCHOOL STUDENTS GAIN A GREATER VISION FOR THEIR FUTURE, INCREASE FINANCIAL KNOWLEDGE, BUILD HEALTHY FINANCIAL HABITS, AND IDENTIFY AND DRIVE THEIR OWN PATHWAY TOWARDS ECONOMIC FREEDOM. THIS PROGRAM OFFERS 24 LESSONS TO STUDENTS THROUGHOUT THE ACADEMIC YEAR.
  2. $450,711 spent. YOUTH PROGRAM: THE "ACHIEVABLE" PROGRAM GOAL IS TO ENSURE THAT GRADUATING HIGH SCHOOL SENIORS WHO ARE NOT IMMEDIATELY ATTENDING A 4-YEAR COLLEGE SUCCESSFULLY PURSUE AND COMPLETE AN INDUSTRY RECOGNIZED DEGREE AT A LOCAL COMMUNITY COLLEGE. MANY STUDENTS WILL TRANSFER TO A 4-YEAR COLLEGE TO PURSUE BACHELOR'S DEGREES. THIS IS A 24 MONTH PROGRAM WHICH INVOLVES WEEKLY COHORT MEETINGS, 1:1 COACHING, AND TEAM BUILDING ACTIVITIES.
  3. $151,955 spent. YOUTH PROGRAM: "LIVEABLE RELAUNCH" PROVIDES FINANCIAL EDUCATION AND LIFE SKILLS THROUGH A COHORT-BASED GROUP LEARNING ENVIRONMENT TO YOUNG ADULTS AGES 18-25 WHO ARE SEEKING A BETTER LIFE FOR THEMSELVES, THROUGH EMPLOYMENT, SCHOOLING, ETC. THIS PROGRAM OFFERS WEEKLY COHORT MEETINGS, 1:1 COACHING, AND TEAM BUILDING ACTIVITIES AND OUTINGS.
  4. $347,758 spent. YOUTH PROGRAM: FUTURE PROFITS 2.0: THE FUTURE PROFITS 2.0 PROGRAM GOAL IS TO ENSURE YOUTH AND YOUNG ADULTS IN NON-TRANSITIONAL SCHOOL SETTINGS GAIN A GREATER VISION FOR THEIR FUTURE, INCREASE FINANCIAL KNOWLEDGE, BUILD HEALTH FINANCIAL HABITS, AND IDENTIFY AND DRIVE THEIR OWN PATHWAY TOWARDS ECONOMIC FREEDOM. THIS PROGRAM OFFERS 8 LESSONS TO STUDENTS IN A 12 WEEK TIME FRAME.

Source: Form 990 for the year ending September 30, 2024, 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 September 2024.

    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 August 2006.

    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.