Heart and Armor Foundation
Public records show a registered, tax-exempt organization in good standing.
What it says it does
The Heart and Armor Foundation for Veterans Health aims to protect the health of veterans and to connect civilians to the experiences of military service.
- Income
- $651,847
- Spending
- $803,814
- Spent on programs
- 84%
- Reserves
- 7.6 months of spending
- Largest source of income
- donations and private grants, 100%
- Employees
- 2
- Volunteers
- 20
- Highest pay
- $220,280, executive director and board member
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
Fair: 63 out of 100. Higher than 26% of charities in its peer group (public benefit, $250k to $1m).
Reserves
28 of 35Spendable reserves would cover 7.6 months of spending.
Debt
20 of 20It owes 0% of what it owns.
Living within its means
0 of 15Spending exceeded income by 23% of income.
Income trend
0 of 15Income fell 43% on the year before.
Spending floor
15 of 1584% of spending went to programs and raising each dollar of donations cost 5 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: 97 out of 100. Higher than 91% of charities in its peer group (public benefit, $250k to $1m).
Independent board
25 of 255 of 6 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
12 of 15Its accounts were reviewed or compiled by an independent accountant, but not audited.
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 (5)
- $72,974 spent. PTSD Research: Provided funding for PTSD research and associated clinical activities at the San Francisco Veterans Administration Hospital the University of California-San Francisco and the University of North Carolina Health Foundation Emergency Department-based insomnia pilot study on PTSD
- $277,250 spent. Women Warriors: Developing a model for advancing health care and support for women veterans.
- $185,275 spent. Cultural Gaps Civilian Connection: Facilitating contemporary and well-attended events between civilians and veterans creating a more contemporary and realistic understanding of military service. Through collaborative community service veterans are provided with a platform to share relatable stories of camaraderie sacrifice strength and service.
- $73,839 spent. Isolation Readjustment and Reintegration: Partnering with Student Veteran Outreach Programs through the San Francisco Veterans Administration and collaborating educational institutions Heart and Armor has built a best in class regional network of student veterans along with facilitating rapid access to VE resources
- $62,289 spent. Trauma Race and Healing: Research programs exploring unique needs of minority veterans with PTSD and other conditions.
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 October 13, 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 November 6, 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 October 13, 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 October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since August 2018.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 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 November 4, 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.