Association for Financial Counselling & Plg Education USA
Public records show a registered, tax-exempt organization in good standing.
What it says it does
AFCPE ENSURES THE HIGHEST LEVEL OF KNOWLEDGE, SKILL, AND INTEGRITY OF THE PERSONAL FINANCE PROFESSION BY CERTIFYING, CONNECTING, AND SUPPORTING DIVERSE AND CAPABLE PROFESSIONALS WHO SERVE COMMUNITIES WORLDWIDE.
- Income
- $2.9 million
- Spending
- $3.2 million
- Spent on programs
- 80%
- Reserves
- 9.7 months of spending
- Largest source of income
- fees for its services, 76%
- Employees
- 20
- Volunteers
- 90
- Highest pay
- $141,180, executive director
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Good: 78 out of 100. Higher than 57% of charities in its peer group (community improvement, $1m to $10m).
Reserves
28 of 35Spendable reserves would cover 9.7 months of spending.
Debt
16 of 20It owes 25% of what it owns.
Living within its means
4 of 15Spending exceeded income by 8% of income.
Income trend
15 of 15Income rose 8% on the year before.
Spending floor
15 of 1580% of spending went to programs and raising each dollar of donations cost 3 cents.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Governance
Strong: 100 out of 100. Higher than 68% of charities in its peer group (community improvement, $1m to $10m).
Independent board
25 of 2513 of 13 voting board members are independent.
Conflict of interest policy
15 of 15Has a written conflict of interest policy.
Whistleblower policy
8 of 8Has a written whistleblower policy.
Record keeping policy
7 of 7Has a written policy on keeping and destroying records.
Board minutes
5 of 5Keeps minutes of board meetings.
Board sees the tax return
10 of 10Gave the board a copy of this return before filing it.
Pay set independently
5 of 5Sets its chief executive's pay through independent review and comparison.
Independent check of accounts
15 of 15Its accounts were audited by an independent accountant.
No reported misuse
10 of 10Reports no diversion of assets, excess benefits or loans to insiders.
Source: Form 990 for the year ending December 31, 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)
- $551,938 spent. EDUCATION - THE ASSOCIATION PROVIDES WEB-BASED LEARNING CREATED AND DELIVERED BY TRAINED FINANCIAL PROFESSIONALS TO EQUIP LEARNERS WITH THE SKILLS AND KNOWLEDGE NECESSARY TO HELP INDIVIDUALS AND COMMUNITIES DEVELOP A FIRM FOUNDATION OF PERSONAL FINANCE KNOWLEDGE TO ACHIEVE LASTING FINANCIAL WELL-BEING.
- $707,314 spent. CERTIFICATION - THE ASSOCIATION'S CERTIFICATIONS SET THE STANDARD FOR THE FIELD OF FINANCIAL COUNSELING, COACHING, AND PLANNING EDUCATION, PROVIDING PROFESSIONALS WITH THE KNOWLEDGE, SKILLS, AND TECHNIQUES TO POSITIVELY IMPACT THE FINANCIAL WELL-BEING OF THE INDIVIDUALS AND COMMUNITIES THAT THEY SERVE. EACH CERTIFICATION IS STRUCTURED, RIGOROUS, AND HIGHLY FOCUSED ON PROFESSIONAL DEVELOPMENT AND CONTINUING EDUCATION.
- $709,618 spent. CONFERENCE - THE ASSOCIATION HOSTS A 3-DAY PROFESSIONAL DEVELOPMENT CONFERENCE THAT BRINGS TOGETHER FINANCIAL EDUCATORS, RESEARCHERS, AND PRACTITIONERS TO LEARN, EXCHANGE IDEAS, AND MAKE LASTING CONNECTIONS TO HELP ADVANCE THE FINANCIAL WELL-BEING OF INDIVIDUALS AND COMMUNITIES.
- $559,631 spent. MEMBERSHIP - THE ASSOCIATION'S MEMBERSHIP PROGRAM IS VOLUNTARY AND PROVIDES INDIVIDUALS ACCESS TO A PROFESSIONAL NETWORK, PROFESSIONAL DEVELOPMENT, AND TOOLS AND RESOURCES THAT SUPPORT THE ASSOCIATION'S MISSION.OTHER PROGRAM AND SERVICES - THE ASSOCIATION FROM TIME TO TIME WILL PARTNER WITH DONORS AND CORPORATIONS TO PROVIDE SPECIFIC PROGRAMS OR PROJECTS THAT ALIGN WITH THE ASSOCIATION'S MISSION TO ENSURE THAT ALL PEOPLE HAVE ACCESS TO HIGH-QUALITY FINANCIAL COUNSELING, COACHING, AND PLANNING EDUCATION, AFFORDING THEM THE OPPORTUNITY TO ACHIEVE FINANCIAL WELL-BEING.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Legitimacy checks
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 September 7, 2026.
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 September 30, 2026.
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 September 10, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2024.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since July 2009.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
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 7, 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.