Lola & Saul Kramer Senior Services Agency Inc
Public records show a registered, tax-exempt organization in good standing.
Points to look into
- It owes more than it owns.
These come from the organization's own tax return. There may be a good explanation; ask the charity.
What it says it does
THE FILING ORGANIZATION IS A MISSION-DRIVEN NOT-FOR-PROFIT ORGANIZATION OFFERING HOME AND COMMUNITY-BASED SERVICES PRIMARILY TO THE JEWISH ELDERLY OF PALM BEACH COUNTY. THE GOAL IS TO HELP CLIENTS MAINTAIN THEIR INDEPENDENCE BY REMAINING IN THEIR OWN HOMES.
- Income
- $2.3 million
- Spending
- $2.4 million
- Spent on programs
- 84%
- Reserves
- -3 months of spending
- Largest source of income
- donations and private grants, 73%
- Employees
- 35
- Volunteers
- 134
- Highest pay
- $352,669, sr. vp of community
Source: Form 990 for the year ending May 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Weak: 33 out of 100. Higher than 4% of charities in its peer group (human services, $1m to $10m).
Reserves
0 of 35Spendable reserves are negative: it owes or has committed more than it holds.
Debt
0 of 20It owes 125% of what it owns.
Living within its means
8 of 15Spending exceeded income by 5% of income.
Income trend
10 of 15Income fell 5% on the year before.
Spending floor
15 of 1584% of spending went to programs and raising each dollar of donations cost 0 cents.
Source: Form 990 for the year ending May 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Governance
Strong: 95 out of 100. Higher than 60% of charities in its peer group (human services, $1m to $10m).
Independent board
25 of 2519 of 21 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
0 of 5Reports no independent review process for its chief executive's pay.
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 May 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 (4)
- $702,802 spent. THE NEIGHBOR TO NEIGHBOR (N2N) PROGRAM IDENTIFIES NEEDS AND PROVIDES A FULL RANGE OF PROGRAMS AND SERVICES TO ENABLE OLDER ADULTS IN 12 GATED COMMUNITIES. THESE SERVICES ARE SOCIAL AND RECREATIONAL ACTIVITIES, EDUCATION PROGRAMS, REFERRAL TO MEDICAL, HOMECARE, LEGAL AND FINANCIAL SERVICES, ACCESS TO PREVENTIVE HEALTHCARE SERVICES, SUPPORT FOR FAMILY CAREGIVERS AND TRANSPORTATION FOR SHOPPING AND EVENTS. THE JUST CHECKING PROGRAM PROVIDES CARE MANAGEMENT SERVICES IN THE HOME. THE PROGRAM HAS BEEN OPERATIONAL SINCE 2000 AND WAS ORIGINALLY DESIGNED TO PRESERVE PEOPLE AT HOME AND AVOID INSTITUTIONAL CARE. (Expenses $ 373,127 including grants of $ 180)(Revenue $ 105,523) THE KOSHER MEALS ON WHEELS PROGRAM WAS DEVELOPED IN RESPONSE TO AN UNMET NEED IN THE COMMUNITY. DELIVERY IS PROVIDED BY VOLUNTEERS AND IS AVAILABLE TO THE HOMEBOUND ELDERLY WITHIN A SPECIFIC GEOGRAPHICAL AREA. MEALS ARE KEPT TO A NOMINAL COST, WHICH IS ACTUALLY PRICED TO BE BELOW THE COST OF PREPARING AND PLATING THE MEAL. ALMOST ALL OF THE 31,282 HOME-DELIVERED MEALS ARE DELIVERED BY A DEDICATED CORPS OF VOLUNTEERS WHO WILLINGLY GIVE THEIR TIME AND SERVICES FOR THIS PROGRAM. FOR MANY MEALS ON WHEELS RECIPIENTS, THIS IS THE ONE NUTRITIOUS, FORTIFIED MEAL THEY RECEIVE DAILY, AND BECAUSE OF AN INFERIOR PUBLIC TRANSPORTATION SYSTEM AND THEIR OWN INABILITY TO DRIVE, THIS PROGRAM IS A LIFELINE THAT ENABLES THESE MEAL RECIPIENTS TO REMAIN LIVING INDEPENDENTLY IN THE COMMUNITY. THIS PROGRAM SERVES 166 CLIENTS.
- $488,242 spent. HOMEBOUND MITZVAH PROGRAM - THIS PROGRAM BRINGS THE HIGH HOLIDAYS AND PASSOVER TO HOMEBOUND MEMBERS OF THE JEWISH COMMUNITY. VOLUNTEERS PREPARE AND DELIVER MEALS, DVD'S OF SERVICES, RELIGIOUS ITEMS AND PRAYER BOOKS TO MEMBERS OF THE COMMUNITY. A COMPLETE MEAL, INCLUDING ALL THE TRIMMINGS AND A DVD RELIGIOUS SERVICE IS PROVIDED SO THAT JEWISH SENIORS, WHO ARE UNABLE TO PREPARE A TRADITIONAL MEAL, CAN CONTINUE TO CELEBRATE CULTURAL TRADITIONS THAT THEY HAVE EXPERIENCED THEIR ENTIRE LIFE. THIS PROGRAM SERVED 2,184 MEALS DURING THE CURRENT YEAR.PROMISE FUND - THE PROMISE FUND IS A GRANT ALLOCATION FROM THE PROMISE FOUNDATION A 501 C (3) ORGANIZATION. THE PROGRAM IS DESIGNED TO PROVIDE PATIENT NAVIGATION SERVICES AND DIAGNOSTIC ASSESSMENTS AS NEEDED TO PATIENTS. THE PROGRAM EMPHASIZES PROVIDING ASSISTANCE TO LOW INCOME MINORITY AND UNDERSERVED POPULATIONS WITH LIMITED ACCESS TO THE EXISTING HEALTH CARE NETWORK. THE GOAL OF THE PROGRAM IS TO PROMOTE EARLY DETECTION AND PROVIDE EDUCATION IN THOSE COMMUNITIES THAT TYPICALLY PRESENT WITH STAGE III AND STAGE IV CANCERS.
- $437,222 spent. HOLOCAUST NOW INITIATIVE - THE HOLOCAUST INITIATIVE IS TO IDENTIFY AND PROVIDE SERVICES TO HOLOCAUST SURVIVORS AND THEIR FAMILIES IN PALM BEACH COUNTY FLORIDA. HOLOCAUST SURVIVORS MAY RECEIVE BENEFITS FROM EXISTING SERVICE PROVIDERS HOWEVER, IT IS COMMON THAT THE SERVICES PROVIDED ARE LIMITED OR INCOMPLETE. THE HOLOCAUST INITIATIVE ASSESSES CLIENT AND FAMILY NEEDS AND USES THE ARRAY OF SERVICES AVAILABLE AT MORSELIFE HEALTH SYSTEM TO FILL IN THESE GAPS. SERVICES MAY INCLUDE, HOME CARE, CHORE SERVICES, REHABILITATION SERVICES, HOUSING ASSISTANCE AND COUNSELING. THE NOW INITIATIVE ALSO ACTIVELY WORKS THROUGH COMMUNITY EDUCATION, SEMINARS, AND AN ACTIVE OUTREACH PROGRAM TO IDENTIFY SURVIVORS THAT WERE PREVIOUSLY NOT KNOWN TO THE ORGANIZED JEWISH COMMUNITY. (Expenses $ 373,127 including grants of $ 180)(Revenue $ 105,523) THE KOSHER MEALS ON WHEELS PROGRAM WAS DEVELOPED IN RESPONSE TO AN UNMET NEED IN THE COMMUNITY. DELIVERY IS PROVIDED BY VOLUNTEERS AND IS AVAILABLE TO THE HOMEBOUND ELDERLY WITHIN A SPECIFIC GEOGRAPHICAL AREA. MEALS ARE KEPT TO A NOMINAL COST, WHICH IS ACTUALLY PRICED TO BE BELOW THE COST OF PREPARING AND PLATING THE MEAL. ALMOST ALL OF THE 31,282 HOME-DELIVERED MEALS ARE DELIVERED BY A DEDICATED CORPS OF VOLUNTEERS WHO WILLINGLY GIVE THEIR TIME AND SERVICES FOR THIS PROGRAM. FOR MANY MEALS ON WHEELS RECIPIENTS, THIS IS THE ONE NUTRITIOUS, FORTIFIED MEAL THEY RECEIVE DAILY, AND BECAUSE OF AN INFERIOR PUBLIC TRANSPORTATION SYSTEM AND THEIR OWN INABILITY TO DRIVE, THIS PROGRAM IS A LIFELINE THAT ENABLES THESE MEAL RECIPIENTS TO REMAIN LIVING INDEPENDENTLY IN THE COMMUNITY. THIS PROGRAM SERVES 166 CLIENTS.
- $373,127 spent. THE KOSHER MEALS ON WHEELS PROGRAM WAS DEVELOPED IN RESPONSE TO AN UNMET NEED IN THE COMMUNITY. DELIVERY IS PROVIDED BY VOLUNTEERS AND IS AVAILABLE TO THE HOMEBOUND ELDERLY WITHIN A SPECIFIC GEOGRAPHICAL AREA. MEALS ARE KEPT TO A NOMINAL COST, WHICH IS ACTUALLY PRICED TO BE BELOW THE COST OF PREPARING AND PLATING THE MEAL. ALMOST ALL OF THE 31,282 HOME-DELIVERED MEALS ARE DELIVERED BY A DEDICATED CORPS OF VOLUNTEERS WHO WILLINGLY GIVE THEIR TIME AND SERVICES FOR THIS PROGRAM. FOR MANY MEALS ON WHEELS RECIPIENTS, THIS IS THE ONE NUTRITIOUS, FORTIFIED MEAL THEY RECEIVE DAILY, AND BECAUSE OF AN INFERIOR PUBLIC TRANSPORTATION SYSTEM AND THEIR OWN INABILITY TO DRIVE, THIS PROGRAM IS A LIFELINE THAT ENABLES THESE MEAL RECIPIENTS TO REMAIN LIVING INDEPENDENTLY IN THE COMMUNITY. THIS PROGRAM SERVES 166 CLIENTS.
Source: Form 990 for the year ending May 31, 2025, 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 October 13, 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 May 2025.
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 December 2012.
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 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.