Advisors Charitable Gift Fund Inc
Advisors Charitable Gift Fund consistently reports zero executive compensation but frequently spends more than it earns.
EIN: 10782573 · Woburn, MA · NTEE: W120 · Updated: 2026-03-27
| Metric | Value |
|---|---|
| Total Revenue | $6.3M |
| Total Expenses | $6.3M |
| Program Spending | 95% |
| Net Assets | $22.7M |
| Transparency Score | 85/100 |
Search Intent Cockpit
Advisors Charitable Gift Fund Inc Form 990, Revenue, CEO Pay, and IRS Filing Signals
Advisors Charitable Gift Fund Inc is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Advisors Charitable Gift Fund Inc in one place.
Form 990 Filing Summary
13 filing years are available, with latest revenue of $3.4M and expenses of $6.3M.
Revenue and Expenses
Advisors Charitable Gift Fund Inc reported $3.4M in revenue and $6.3M in expenses, a deficit of $2.9M.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
85/100 mission score, 2 red flags, and 3 strengths are shown from structured and AI review.
Is Advisors Charitable Gift Fund Inc Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
IRS 990 Data Cockpit
Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
| Program services | $6.0M (95%) |
Across stored filings, Advisors Charitable Gift Fund Inc shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
Decision Cockpit
One-Stop Donor, Research, and Peer Context Hub
| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Some Concerns | Good filing record; 2 red flags identified |
| Mission spend | 95% to programs | Excellent |
| Financial durability | Grade B | 13 stored filing years |
| Peer context | Compare with Joint Committee For Childrens Health Care In Everett | Massachusetts and Category W context |
Trust Check
Review legitimacy, deductibility, red flags, and filing consistency.
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Woburn, MA nonprofitsCategory W in Massachusetts
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Keep the Investigation Moving
Advisors Charitable Gift Fund Inc directs 95% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Advisors Charitable Gift Fund Inc
Advisors Charitable Gift Fund Inc (EIN: 10782573) is a nonprofit organization based in Woburn, MA, classified under NTEE code W120. The organization reported total revenue of $6.3M and total assets of $27.4M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Advisors Charitable Gift Fund Inc's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Advisors Charitable Gift Fund Inc is a mid-size nonprofit that has been operating for 23 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 6.1%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $3.4M |
| Total Expenses | $6.3M |
| Surplus / Deficit | $-2,926,940 |
| Total Assets | $22.8M |
| Total Liabilities | $24K |
| Net Assets | $22.7M |
| Operating Margin | -87.1% |
| Debt-to-Asset Ratio | 0.1% |
| Months of Reserves | 43.5 months |
Financial Health Grade: B
In 2023, Advisors Charitable Gift Fund Inc reported a deficit of $2.9M with expenses exceeding revenue, holds 43.5 months of operating reserves (strong position), has a debt-to-asset ratio of 0.1% (very low leverage).
Financial Trends
Over 13 years of filings (2011–2023), Advisors Charitable Gift Fund Inc's revenue has grown at a compound annual growth rate (CAGR) of 6.1%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | -46.6% | -30.0% | -10.9% |
| 2022 | -31.4% | -15.1% | -30.5% |
| 2021 | +5.5% | +60.1% | +12.1% |
| 2020 | +38.4% | -4.7% | +7.3% |
| 2019 | -21.3% | -12.0% | +3.0% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 2003 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Advisors Charitable Gift Fund Inc with a Mission Score of 85 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 5%
- programs: 95%
- fundraising: 0%
According to IRS 990 filings, Advisors Charitable Gift Fund Inc allocates its expenses as follows: admin: 5%, programs: 95%, fundraising: 0%. With 95% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $2.9M, with expenses exceeding revenue.
- Debt-to-asset ratio: 0.1%.
Executive Compensation Analysis
Executive compensation is consistently reported as 0% across all available filings, indicating that no officers receive compensation from the organization, which is a positive sign for donor confidence.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Advisors Charitable Gift Fund Inc's IRS 990 filings:
- Consistent negative net income (expenses exceeding revenue) in recent years, such as in 2023 ($2.9M deficit) and 2022 ($2.6M deficit), which, while common for DAFs distributing grants, requires understanding of funding sources.
- Significant fluctuations in annual revenue, from a high of $15.9M in 2017 to $3.3M in 2023, indicating reliance on variable donor contributions.
Strengths
The following positive indicators were identified for Advisors Charitable Gift Fund Inc:
- Consistent zero officer compensation across all filings, demonstrating a commitment to minimizing executive overhead.
- Substantial growth in assets over its history, from $7.9M in 2014 to $27.4M currently, indicating strong financial stewardship of donor funds.
- Low liabilities relative to assets, suggesting good financial health and minimal debt burden (e.g., $23,630 liabilities vs. $22.7M assets in 2023).
Frequently Asked Questions about Advisors Charitable Gift Fund Inc
Is Advisors Charitable Gift Fund Inc a legitimate charity?
Advisors Charitable Gift Fund Inc (EIN: 10782573) is a registered tax-exempt nonprofit based in Massachusetts. Our AI analysis gives it a Mission Score of 85/100. It has 13 years of IRS 990 filings on record. Total revenue: $6.3M. 2 red flags identified. 3 strengths noted. Financial health grade: B.
How does Advisors Charitable Gift Fund Inc spend its money?
Advisors Charitable Gift Fund Inc directs 95% of its spending to programs and services. This exceeds the 65% industry benchmark.
Are donations to Advisors Charitable Gift Fund Inc tax-deductible?
Advisors Charitable Gift Fund Inc is registered as a tax-exempt nonprofit (EIN: 10782573). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How does Advisors Charitable Gift Fund Inc compare to similar nonprofits?
With a transparency score of 85/100 (Excellent), Advisors Charitable Gift Fund Inc is above average for NTEE category W120 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Advisors Charitable Gift Fund Inc located?
Advisors Charitable Gift Fund Inc is headquartered in Woburn, Massachusetts and files with the IRS under EIN 10782573. It is classified under NTEE code W120.
How many years of IRS 990 filings does Advisors Charitable Gift Fund Inc have?
Advisors Charitable Gift Fund Inc has 13 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $6.3M in total revenue.
Is Advisors Charitable Gift Fund Inc a good charity?
As a donor-advised fund, its primary function is to facilitate charitable giving. The consistent zero executive compensation is a strong positive. However, the recurring trend of expenses exceeding revenue in recent years (e.g., $6.28M expenses vs. $3.35M revenue in 2023) suggests that while funds are being distributed, the operational model relies on asset management and new contributions to cover these distributions. Donors should understand that their contributions are held and then granted out, rather than directly funding operational programs.
Why do expenses often exceed revenue?
For a donor-advised fund like Advisors Charitable Gift Fund Inc, expenses primarily represent grants distributed to other charities. When expenses exceed revenue, it often means the organization is distributing more in grants than it received in new contributions during that specific period, drawing from its existing asset base or prior year contributions. For example, in 2023, expenses were $6,285,928 while revenue was $3,358,988, indicating significant grantmaking activity.
What is the trend in the organization's assets?
The organization's assets have shown significant growth over time, from $7,951,195 in 2014 to $27,413,364 currently. While there have been fluctuations, such as a decrease from $36,774,132 in 2021 to $22,766,067 in 2023, the overall trend indicates a substantial accumulation and management of charitable funds.
How does this organization compare to other charities?
As a donor-advised fund (NTEE W120), it functions differently from direct service charities. Its efficiency is measured by its ability to facilitate grants and manage donor funds with low overhead. The zero executive compensation and low liabilities are strong indicators of financial prudence in its specific operational model.
Filing History
IRS 990 filing history for Advisors Charitable Gift Fund Inc showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Advisors Charitable Gift Fund Inc's revenue has grown by 102.9%, moving from $1.7M to $3.4M. Total assets increased by 420.5% over the same period, from $4.4M to $22.8M. Total functional expenses rose by 452.4%, from $1.1M to $6.3M. In its most recent filing year (2023), Advisors Charitable Gift Fund Inc reported a deficit of $2.9M, with expenses exceeding revenue. The organization holds $24K in liabilities against $22.8M in assets (debt-to-asset ratio: 0.1%), resulting in net assets of $22.7M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $3.4M | $6.3M | $22.8M | $24K | — | View 990 |
| 2022 | $6.3M | $9.0M | $25.6M | $12K | — | View 990 |
| 2021 | $9.2M | $10.6M | $36.8M | $15K | — | View 990 |
| 2020 | $8.7M | $6.6M | $32.8M | $16K | — | View 990 |
| 2019 | $6.3M | $6.9M | $30.6M | $15K | — | View 990 |
| 2018 | $8.0M | $7.9M | $29.7M | $15K | — | View 990 |
| 2017 | $15.9M | $7.2M | $31.0M | $3K | — | — |
| 2016 | $13.4M | $3.5M | $20.0M | $12K | — | View 990 |
| 2015 | $5.0M | $2.0M | $10.0M | $10K | — | View 990 |
| 2014 | $1.4M | $1.3M | $8.0M | $10K | — | View 990 |
| 2013 | $2.4M | $1.0M | $7.6M | $43K | — | View 990 |
| 2012 | $3.0M | $2.2M | $5.7M | $15K | — | View 990 |
| 2011 | $1.7M | $1.1M | $4.4M | $12K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $3.4M, expenses of $6.3M, and assets of $22.8M (revenue -46.6% year-over-year).
- 2022: Revenue of $6.3M, expenses of $9.0M, and assets of $25.6M (revenue -31.4% year-over-year).
- 2021: Revenue of $9.2M, expenses of $10.6M, and assets of $36.8M (revenue +5.5% year-over-year).
- 2020: Revenue of $8.7M, expenses of $6.6M, and assets of $32.8M (revenue +38.4% year-over-year).
- 2019: Revenue of $6.3M, expenses of $6.9M, and assets of $30.6M (revenue -21.3% year-over-year).
- 2018: Revenue of $8.0M, expenses of $7.9M, and assets of $29.7M (revenue -49.8% year-over-year).
- 2017: Revenue of $15.9M, expenses of $7.2M, and assets of $31.0M (revenue +19.1% year-over-year).
- 2016: Revenue of $13.4M, expenses of $3.5M, and assets of $20.0M (revenue +165.3% year-over-year).
- 2015: Revenue of $5.0M, expenses of $2.0M, and assets of $10.0M (revenue +248.0% year-over-year).
- 2014: Revenue of $1.4M, expenses of $1.3M, and assets of $8.0M (revenue -39.5% year-over-year).
- 2013: Revenue of $2.4M, expenses of $1.0M, and assets of $7.6M (revenue -21.4% year-over-year).
- 2012: Revenue of $3.0M, expenses of $2.2M, and assets of $5.7M (revenue +83.8% year-over-year).
- 2011: Revenue of $1.7M, expenses of $1.1M, and assets of $4.4M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Advisors Charitable Gift Fund Inc:
Data Sources and Methodology
This transparency report for Advisors Charitable Gift Fund Inc is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.