INCHARGE INSTITUTE OF AMERICA INC: Form 990, tax year 2013

View the entire original 990 at ProPublica ↗

Organization: INCHARGE INSTITUTE OF AMERICA INC (EIN 52-2196183)
Tax period: 2013-01-01 to 2013-12-31
Filed: 2014-08-08
IRS object ID: 201402209349300900
Schema version: 2013v3.0
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule A
Schedule D
Schedule J
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2014-08-08T11:24:45-05:00	ReturnTs
Tax Period End	2013-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	521853933	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	RIBIS JONES & MARESCA PA	BusinessNameLine1

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	10500 LITTLE PATUXENT PARKWAY 770	AddressLine1
City	COLUMBIA	City
State	MD	State
ZIP Code	21044	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2013-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	522196183	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	INCHARGE INSTITUTE OF AMERICA INC	BusinessNameLine1

Field	Value	IRS element (for citing)
Business Name Control	INCH	BusinessNameControlTxt
Phone	4072917770	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	5750 MAJOR BLVD NO 320	AddressLine1
City	ORLANDO	City
State	FL	State
ZIP Code	32819	ZIPCode

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	ETTA W MONEY	PersonNm
Person Title	PRESIDENT & CEO	PersonTitleTxt
Phone	4072917770	PhoneNum
Signature	2014-08-07	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	DAVID A JONES	PreparerPersonNm
PTIN	P01361002	PTIN
Phone	4108840220	PhoneNum

Field	Value	IRS element (for citing)
Tax	2013	TaxYr
Build TS	2015-11-30 17:44:51Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	ETTA W MONEY	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	5750 MAJOR BLVD STE 300	AddressLine1
City	ORLANDO	City
State	FL	State
ZIP Code	32819	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	$3,099,571	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c3	Yes (X)	Organization501c3Ind
Website Address	WWW.INCHARGE.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1999	FormationYr
Legal Domicile State	DE	LegalDomicileStateCd
Activity Or Mission	INCHARGE INSTITUTE OF AMERICA PROVIDES GENERAL AND ADMINISTRATIVE SUPPORT TO ITS AFFILIATED ENTITIES.	ActivityOrMissionDesc
Voting Members Governing Body	5	VotingMembersGoverningBodyCnt
Voting Members Independent	4	VotingMembersIndependentCnt
Total Employee	26	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$5,738,019	PYProgramServiceRevenueAmt
CY Program Service Revenue	$2,974,181	CYProgramServiceRevenueAmt
PY Investment Income	$65	PYInvestmentIncomeAmt
CY Investment Income	-$1,854	CYInvestmentIncomeAmt
PY Other Revenue	$115,170	PYOtherRevenueAmt
CY Other Revenue	$125,328	CYOtherRevenueAmt
PY Total Revenue	$5,853,254	PYTotalRevenueAmt
CY Total Revenue	$3,097,655	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$2,883,783	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$1,340,587	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$2,845,124	PYOtherExpensesAmt
CY Other Expenses	$1,800,822	CYOtherExpensesAmt
PY Total Expenses	$5,728,907	PYTotalExpensesAmt
CY Total Expenses	$3,141,409	CYTotalExpensesAmt
PY Revenues Less Expenses	$124,347	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	-$43,754	CYRevenuesLessExpensesAmt
Total Assets BOY	$2,495,693	TotalAssetsBOYAmt
Total Assets EOY	$2,814,708	TotalAssetsEOYAmt
Total Liabilities BOY	$1,554,506	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$917,275	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$941,187	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$1,897,433	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	INCHARGE INSTITUTE OF AMERICA PROVIDES GENERAL AND ADMINISTRATIVE SUPPORT TO ITS AFFILIATED ENTITIES.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Expense	$1,769,770	ExpenseAmt
Revenue	$2,974,181	RevenueAmt
Desc	CREDIT COUNSELING AND EDUCATION - ICI PROVIDES ADMINISTRATIVE SUPPORT TO INCHARGE DEBT SOLUTIONS IN THE AREA OF CREDIT COUNSELING AND EDUCATION SERVICES. THIS PROGRAM ASSISTS CONSUMERS IN MANAGING THEIR PERSONAL FINANCES THROUGH THE PROVISION OF SOLUTIONS-BASED CREDIT COUNSELING, BUDGET PLANNING AND FINANCIAL EDUCATIONAL MATERIALS. SOLUTIONS-BASED COUNSELING IS DESIGNED TO FIND THE RIGHT SOLUTION FOR EACH DEBT DISTRESSED CONSUMER. OVER 45,000 FINANCIALLY DISTRESSED INDIVIDUALS RECEIVED CREDIT COUNSELING AND FINANCIAL EDUCATIONAL MATERIALS DURING 2013. FINANCIAL EDUCATIONAL MATERIALS ASSIST CONSUMERS IN ACQUIRING AND IMPROVING MONEY MANAGEMENT SKILLS AND MANAGING CREDIT. CREDIT COUNSELING SERVICES ARE OFFERED IN PERSON FOR INDIVIDUALS RESIDING IN THE CENTRAL FLORIDA AREA, AND NATIONALLY OVER THE TELEPHONE AND THROUGH THE INTERNET.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Expense	$589,923	ExpenseAmt
Desc	DEBT MANAGEMENT - ICI PROVIDES ADMINISTRATIVE SUPPORT TO IDS IN THE AREA OF DEBT MANAGEMENT SERVICES. IDS OFFERS DEBT MANAGEMENT PROGRAMS TO ASSIST CONSUMERS IN PAYING OFF THEIR UNSECURED DEBTS AND TO BETTER MANAGE THEIR FINANCIAL OBLIGATIONS IN THE FUTURE. IDS PROCESSES DEBT PAYMENTS, ATTEMPTS TO SECURE A REDUCTION IN INTEREST RATES, AND ATTEMPTS TO ESTABLISH AFFORDABLE MONTHLY PAYMENTS ON THE CLIENTS' BEHALF. CLIENTS ARE PROVIDED INITIAL AND CONTINUING EDUCATIONAL ASSISTANCE THROUGH FINANCIAL EDUCATIONAL MATERIALS AND GUIDANCE IN FINANCIAL MATTERS AS DETERMINED BY THE CLIENT'S NEEDS.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Expense	$404,130	ExpenseAmt
Desc	BANKRUPTCY COUNSELING/DEBTOR EDUCATION - ICI PROVIDES ADMINISTRATIVE SUPPORT TO IDS IN THE AREA OF BANKRUPTCY COUNSELING AND DEBTOR EDUCATION SERVICES. BANKRUPTCY LEGISLATION ENACTED BY CONGRESS IN 2005 REQUIRES INDIVIDUALS FILING FOR BANKRUPTCY TO COMPLETE A BANKRUPTCY CREDIT COUNSELING SESSION PRIOR TO FILING, AND AN INSTRUCTIONAL COURSE IN PERSONAL FINANCIAL MANAGEMENT (DEBTOR EDUCATION) PRIOR TO RECEIVING A BANKRUPTCY DISCHARGE. TO OFFER CONVENIENT, ON-DEMAND ACCESS TO THIS REQUIRED CONTENT, IDS PROVIDES INTERACTIVE WEB-BASED AND TELEPHONIC BANKRUPTCY CREDIT COUNSELING AND DEBTOR EDUCATION PROGRAMS. BOTH PROGRAMS ISSUE CERTIFICATES TO INDIVIDUALS WHO COMPLETE EACH PROGRAM AS REQUIRED BY THE TITLE 11 BANKRUPTCY CODE. DURING 2013, OVER 71,000 CERTIFICATES WERE ISSUED TO BANKRUPTCY PETITIONERS EVIDENCING THEIR SUCCESSFUL COMPLETION OF THE BANKRUPTCY CREDIT COUNSELING SESSION AND THE PERSONAL FINANCIAL MANAGEMENT COURSE.	Desc

Prog Srvc Accom Acty Other ProgSrvcAccomActyOtherGrp (2 entries)

ExpenseExpenseAmt	DescDesc
$35,759	HOUSING COUNSELING AND EDUCATION - ICI PROVIDES ADMINISTRATIVE SUPPORT TO IDS IN THE AREA OF HOUSING COUNSELING AND EDUCATION SERVICES. IDS IS A LOCAL U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT APPROVED AGENCY IN THE STATE OF FLORIDA AND A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING WHICH ENABLES IDS TO SERVE CONSUMERS ON A NATIONWIDE BASIS. HOUSING COUNSELING SERVICES INCLUDE FORECLOSURE PREVENTION AND MORTGAGE DELINQUENCY COUNSELING, HOMEBUYER EDUCATION AND PRE-PURCHASE HOMEBUYER COUNSELING. FORECLOSURE PREVENTION AND MORTGAGE DELINQUENCY COUNSELING IS DESIGNED TO PROVIDE EXISTING BORROWERS WITH INFORMATION AND ASSISTANCE NEEDED TO AVOID FORECLOSURE. PROGRAM HIGHLIGHTS INCLUDE BUDGET PLANNING, EVALUATION OF ELIGIBILITY FOR LOAN MODIFICATION, ASSESSMENT OF ABILITY TO SUSTAIN A HOME AND ALTERNATIVE HOUSING OPTIONS. HOMEBUYER EDUCATION IS DESIGNED TO BETTER PREPARE POTENTIAL HOMEOWNERS FOR HOMEOWNERSHIP. PARTICIPANTS EXAMINE THEIR HOUSING NEEDS, ANALYZE THEIR FINANCIAL SITUATION AND LEARN STRATEGIES TO IMPROVE FINANCIAL MANAGEMENT IN AN EFFORT TO BETTER PREPARE FOR HOMEOWNERSHIP. PARTICIPANTS ALSO LEARN HOW TO SHOP FOR A HOME, OBTAIN A MORTGAGE AND PREPARE FOR LIFE AS A HOMEOWNER. PRE-PURCHASE HOMEBUYER COUNSELING, A PERSONAL ONE-ON-ONE SESSION, IS OFFERED TO PROVIDE EDUCATION AND TIPS TO ASSIST POTENTIAL HOMEBUYERS IN IMPROVING FINANCIAL MANAGEMENT SKILLS AND UNDERSTANDING ALTERNATIVE SOURCES OF FUNDING AND MORTGAGE OPTIONS. DURING 2013, OVER 8,600 HOUSING COUNSELING SESSIONS WERE CONDUCTED.
$41,720	EDUCATIONAL PROGRAM DEVELOPMENT/OUTREACH - ICI PROVIDES ADMINISTRATIVE SUPPORT TO INCHARGE EDUCATION FOUNDATION (THE "FOUNDATION") WHOSE MISSION IS TO PROVIDE EDUCATIONAL MATERIALS, PROGRAMS, AND OUTREACH SERVICES TO FINANCIALLY DISTRESSED INDIVIDUALS AND FAMILIES. THE FOUNDATION FULFILLS THIS MISSION BY CREATING AND DISTRIBUTING PUBLICATIONS, NEWSLETTERS, ONLINE COURSES, INTERACTIVE TOOLS, GAMES, VIDEOS AND SEMINARS THAT PROVIDE INFORMATION ABOUT MONEY MANAGEMENT, PERSONAL FINANCE AND THE RESPONSIBLE USE OF CREDIT. THE FOUNDATION ALSO CONDUCTS FREE EDUCATIONAL WORKSHOPS, WITH CONTENT GEARED TOWARDS ALL AGE GROUPS, IN AN EFFORT TO HELP CONSUMERS OF ALL AGES LEARN AND CULTIVATE SOUND FINANCIAL MANAGEMENT SKILLS. DURING 2013, THE FOUNDATION REACHED OVER 3,000 INDIVIDUALS THROUGH SPONSORED EDUCATIONAL WORKSHOPS. MILITARY MONEY, A FINANCIAL LITERACY OUTREACH INITIATIVE, PROVIDES FREE FINANCIAL EDUCATION AND TOOLS TO SERVICE MEMBERS, VETERANS AND THEIR FAMILIES THROUGH A DEDICATED WEB PORTAL, PRINT AND EBOOKS AND RADIO CLIPS. IN 2013, 25,000 COPIES OF "DEFENDING YOUR HOME," A MILITARY HOUSING GUIDE, WERE DISTRIBUTED. THE GUIDE BOOK WAS ALSO PUBLISHED AS AN EBOOK AND IS AVAILABLE THROUGH IBOOKS AND IN KINDLE-FORMAT. MILITARY MONEY RESOURCES CAN BE FOUND AT INCHARGE.ORG/MILITARY-MONEY AND INCLUDE INFORMATION, INSPIRATION AND TOOLS TO HELP SERVICE MEMBERS MAXIMIZE THEIR PERSONAL FINANCIAL POTENTIAL. THE WEB PORTAL RECEIVES OVER 200,000 VISITORS EACH YEAR. "MILITARY MONEY MINUTES" AND "DEFENDING YOUR CASH MINUTES" ARE RADIO CLIPS OFFERING TIMELY ONE-MINUTE FINANCIAL TIPS. THE TIPS ARE BROADCAST SIX TIMES PER DAY ON THE ARMED FORCES RADIO NETWORK AND HAVE A REACH OF ONE MILLION SERVICE MEMBERS. MILITARY MONEY MINUTES AND DEFENDING YOUR CASH MINUTES ARE ALSO MADE AVAILABLE AS PODCASTS ON ITUNES AND OTHER WEBSITES. THE PODCAST LIBRARY EXPERIENCED MORE THAN 40,000 DOWNLOADS IN 2013. TO HELP ACCOMPLISH ITS MISSION, THE FOUNDATION CONTINUALLY SEEKS PARTNERSHIPS WITH OTHER ORGANIZATIONS.

ExpenseExpenseAmt

DescDesc

$35,759

HOUSING COUNSELING AND EDUCATION - ICI PROVIDES ADMINISTRATIVE SUPPORT TO IDS IN THE AREA OF HOUSING COUNSELING AND EDUCATION SERVICES. IDS IS A LOCAL U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT APPROVED AGENCY IN THE STATE OF FLORIDA AND A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING WHICH ENABLES IDS TO SERVE CONSUMERS ON A NATIONWIDE BASIS. HOUSING COUNSELING SERVICES INCLUDE FORECLOSURE PREVENTION AND MORTGAGE DELINQUENCY COUNSELING, HOMEBUYER EDUCATION AND PRE-PURCHASE HOMEBUYER COUNSELING. FORECLOSURE PREVENTION AND MORTGAGE DELINQUENCY COUNSELING IS DESIGNED TO PROVIDE EXISTING BORROWERS WITH INFORMATION AND ASSISTANCE NEEDED TO AVOID FORECLOSURE. PROGRAM HIGHLIGHTS INCLUDE BUDGET PLANNING, EVALUATION OF ELIGIBILITY FOR LOAN MODIFICATION, ASSESSMENT OF ABILITY TO SUSTAIN A HOME AND ALTERNATIVE HOUSING OPTIONS. HOMEBUYER EDUCATION IS DESIGNED TO BETTER PREPARE POTENTIAL HOMEOWNERS FOR HOMEOWNERSHIP. PARTICIPANTS EXAMINE THEIR HOUSING NEEDS, ANALYZE THEIR FINANCIAL SITUATION AND LEARN STRATEGIES TO IMPROVE FINANCIAL MANAGEMENT IN AN EFFORT TO BETTER PREPARE FOR HOMEOWNERSHIP. PARTICIPANTS ALSO LEARN HOW TO SHOP FOR A HOME, OBTAIN A MORTGAGE AND PREPARE FOR LIFE AS A HOMEOWNER. PRE-PURCHASE HOMEBUYER COUNSELING, A PERSONAL ONE-ON-ONE SESSION, IS OFFERED TO PROVIDE EDUCATION AND TIPS TO ASSIST POTENTIAL HOMEBUYERS IN IMPROVING FINANCIAL MANAGEMENT SKILLS AND UNDERSTANDING ALTERNATIVE SOURCES OF FUNDING AND MORTGAGE OPTIONS. DURING 2013, OVER 8,600 HOUSING COUNSELING SESSIONS WERE CONDUCTED.

$41,720

EDUCATIONAL PROGRAM DEVELOPMENT/OUTREACH - ICI PROVIDES ADMINISTRATIVE SUPPORT TO INCHARGE EDUCATION FOUNDATION (THE "FOUNDATION") WHOSE MISSION IS TO PROVIDE EDUCATIONAL MATERIALS, PROGRAMS, AND OUTREACH SERVICES TO FINANCIALLY DISTRESSED INDIVIDUALS AND FAMILIES. THE FOUNDATION FULFILLS THIS MISSION BY CREATING AND DISTRIBUTING PUBLICATIONS, NEWSLETTERS, ONLINE COURSES, INTERACTIVE TOOLS, GAMES, VIDEOS AND SEMINARS THAT PROVIDE INFORMATION ABOUT MONEY MANAGEMENT, PERSONAL FINANCE AND THE RESPONSIBLE USE OF CREDIT. THE FOUNDATION ALSO CONDUCTS FREE EDUCATIONAL WORKSHOPS, WITH CONTENT GEARED TOWARDS ALL AGE GROUPS, IN AN EFFORT TO HELP CONSUMERS OF ALL AGES LEARN AND CULTIVATE SOUND FINANCIAL MANAGEMENT SKILLS. DURING 2013, THE FOUNDATION REACHED OVER 3,000 INDIVIDUALS THROUGH SPONSORED EDUCATIONAL WORKSHOPS. MILITARY MONEY, A FINANCIAL LITERACY OUTREACH INITIATIVE, PROVIDES FREE FINANCIAL EDUCATION AND TOOLS TO SERVICE MEMBERS, VETERANS AND THEIR FAMILIES THROUGH A DEDICATED WEB PORTAL, PRINT AND EBOOKS AND RADIO CLIPS. IN 2013, 25,000 COPIES OF "DEFENDING YOUR HOME," A MILITARY HOUSING GUIDE, WERE DISTRIBUTED. THE GUIDE BOOK WAS ALSO PUBLISHED AS AN EBOOK AND IS AVAILABLE THROUGH IBOOKS AND IN KINDLE-FORMAT. MILITARY MONEY RESOURCES CAN BE FOUND AT INCHARGE.ORG/MILITARY-MONEY AND INCLUDE INFORMATION, INSPIRATION AND TOOLS TO HELP SERVICE MEMBERS MAXIMIZE THEIR PERSONAL FINANCIAL POTENTIAL. THE WEB PORTAL RECEIVES OVER 200,000 VISITORS EACH YEAR. "MILITARY MONEY MINUTES" AND "DEFENDING YOUR CASH MINUTES" ARE RADIO CLIPS OFFERING TIMELY ONE-MINUTE FINANCIAL TIPS. THE TIPS ARE BROADCAST SIX TIMES PER DAY ON THE ARMED FORCES RADIO NETWORK AND HAVE A REACH OF ONE MILLION SERVICE MEMBERS. MILITARY MONEY MINUTES AND DEFENDING YOUR CASH MINUTES ARE ALSO MADE AVAILABLE AS PODCASTS ON ITUNES AND OTHER WEBSITES. THE PODCAST LIBRARY EXPERIENCED MORE THAN 40,000 DOWNLOADS IN 2013. TO HELP ACCOMPLISH ITS MISSION, THE FOUNDATION CONTINUALLY SEEKS PARTNERSHIPS WITH OTHER ORGANIZATIONS.

Field	Value	IRS element (for citing)
Total Other Prog Srvc Expense	$77,479	TotalOtherProgSrvcExpenseAmt
Total Program Service Expenses	$2,841,302	TotalProgramServiceExpensesAmt
Described In Section501c3	Yes (1)	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Lobbying Activities	0	LobbyingActivitiesInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Engaged In Excess Benefit Trans	0	EngagedInExcessBenefitTransInd
PY Excess Benefit Trans	0	PYExcessBenefitTransInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	0	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	Yes (1)	RelatedEntityInd
Related Organization Ctrl Ent	Yes (1)	RelatedOrganizationCtrlEntInd
Transaction With Control Ent	Yes (1)	TransactionWithControlEntInd
Trnsfr Exmpt Non Chrtbl Rltd Org	0	TrnsfrExmptNonChrtblRltdOrgInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	19	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	26	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	0	UnrelatedBusIncmOverLimitInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Quid Pro Quo Contributions	0	QuidProQuoContributionsInd
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOfInd
Rcv Fnds To Pay Prsnl Bnft Cntrct	0	RcvFndsToPayPrsnlBnftCntrctInd
Pay Premiums Prsnl Bnft Cntrct	0	PayPremiumsPrsnlBnftCntrctInd
Excess Business Holdings	0	ExcessBusinessHoldingsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	5	GoverningBodyVotingMembersCnt
Independent Voting Member	4	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	Yes (1)	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	0	MembersOrStockholdersInd
Election Of Board Members	0	ElectionOfBoardMembersInd
Decisions Subject To Approva	0	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	FL	StatesWhereCopyOfReturnIsFldCd
Upon Request	Yes (X)	UponRequestInd
Other	Yes (X)	OtherInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	INCHARGE INSTITUTE OF AMERICA INC	BusinessNameLine1

Field	Value	IRS element (for citing)
Phone	4072917770	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	5750 MAJOR BLVD SUITE 320	AddressLine1
City	ORLANDO	City
State	FL	State
ZIP Code	32819	ZIPCode

Form990 Part VII Section A Form990PartVIISectionAGrp (9 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Former Ofcr Director TrusteeFormerOfcrDirectorTrusteeInd
ETTA W MONEY
PRESIDENT & CEO, TRUSTEE	1.00	49.00	Yes (X)	Yes (X)	$0	$265,909	$48,209
LONNIE M RITZER
TRUSTEE	1.00	2.00	Yes (X)		$207	$413	$0
RICHARD ANDERSON
TRUSTEE	1.00	2.00	Yes (X)		$8,540	$17,080	$0
FLORENCE WATFORD
TRUSTEE	1.00		Yes (X)		$0	$620	$0
RALPH BETANCOURT
TRUSTEE	1.00		Yes (X)		$0	$0	$0
ROBERT GALL
TRUSTEE	1.00		Yes (X)		$0	$0	$0
WILLIAM MALSEED
TREASURER	1.00	44.00		Yes (X)	$0	$169,839	$23,556
JODI MCGREGOR
SECRETARY	1.00	44.00		Yes (X)	$0	$203,309	$29,989
DAVID C JONES
FORMER TRUSTEE AND OFFICER	0.00				$10,121	$0	$0	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$18,868	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$657,170	TotReportableCompRltdOrgAmt
Total Other Compensation	$101,754	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	0	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	Yes (1)	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1	CityContractorAddress/USAddress/City	StateContractorAddress/USAddress/State	ZIP CodeContractorAddress/USAddress/ZIPCode	ServicesServicesDesc	CompensationCompensationAmt
AETNA
151 FARMINGTON AVENUE	HARTFORD	CT	06156	MEDICAL INSURANCE	$1,068,122
FIDELITY INVESTMENT CORPORATION
PO BOX 73307	CHICAGO	IL	60673	PENSION PLAN	$680,765
EMERSON INVESTMENTS
370 CENTRE POINT CIRCLE SUITE 1136	ALTAMONTE SPRINGS	FL	32701	LEASE OFFICE SPACE	$497,834
DIANE MEILLER & ASSOCIATES
255 S ORANGE AVENUE SUITE 1510	ORLANDO	FL	32801	IT CONTRACTORS	$306,898
JYP ORLANDO
2658 DEL MAR HEIGHTS ROAD 558	DEL MAR	CA	92014	LEASE IT SPACE	$129,200

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	6	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp

Field	Value	IRS element (for citing)
Desc	SUPPORT SERVICE INCOME	Desc
Business	900099	BusinessCd
Total Revenue Column	$2,974,181	TotalRevenueColumnAmt
Exclusion	$2,974,181	ExclusionAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$2,974,181	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$62	TotalRevenueColumnAmt
Exclusion	$62	ExclusionAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$36,000	TotalRevenueColumnAmt
Exclusion	$36,000	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$89,051	RealAmt

Less Rental Expenses LessRentalExpensesGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$89,051	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$89,051	TotalRevenueColumnAmt
Exclusion	$89,051	ExclusionAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$1,916	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$1,916	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$1,916	TotalRevenueColumnAmt
Exclusion	-$1,916	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	OTHER INCOME	Desc
Business	900099	BusinessCd
Total Revenue Column	$277	TotalRevenueColumnAmt
Exclusion	$277	ExclusionAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$277	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$3,097,655	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$3,097,655	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$8,747	TotalAmt
Management And General	$8,747	ManagementAndGeneralAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,059,115	TotalAmt
Program Services	$965,847	ProgramServicesAmt
Management And General	$93,268	ManagementAndGeneralAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$41,036	TotalAmt
Program Services	$36,932	ProgramServicesAmt
Management And General	$4,104	ManagementAndGeneralAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$137,380	TotalAmt
Program Services	$124,439	ProgramServicesAmt
Management And General	$12,941	ManagementAndGeneralAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$94,309	TotalAmt
Program Services	$85,299	ProgramServicesAmt
Management And General	$9,010	ManagementAndGeneralAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$6,707	TotalAmt
Management And General	$6,707	ManagementAndGeneralAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$8,704	TotalAmt
Management And General	$8,704	ManagementAndGeneralAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$303,832	TotalAmt
Program Services	$288,745	ProgramServicesAmt
Management And General	$15,087	ManagementAndGeneralAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$122,999	TotalAmt
Program Services	$111,249	ProgramServicesAmt
Management And General	$11,750	ManagementAndGeneralAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$1,030,890	TotalAmt
Program Services	$932,407	ProgramServicesAmt
Management And General	$98,483	ManagementAndGeneralAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$8,094	TotalAmt
Program Services	$7,321	ProgramServicesAmt
Management And General	$773	ManagementAndGeneralAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$90,111	TotalAmt
Program Services	$81,502	ProgramServicesAmt
Management And General	$8,609	ManagementAndGeneralAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$145,136	TotalAmt
Program Services	$131,271	ProgramServicesAmt
Management And General	$13,865	ManagementAndGeneralAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt	Program ServicesProgramServicesAmt	Management And GeneralManagementAndGeneralAmt
MISCELLANEOUS	$38,402	$34,732	$3,670
DUES & SUBSCRIPTIONS	$22,572	$20,416	$2,156
TRAINING & DEVELOPMENT	$15,683	$14,185	$1,498
RECRUITING AND RELOCATI	$6,642	$6,007	$635

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,050	TotalAmt
Program Services	$950	ProgramServicesAmt
Management And General	$100	ManagementAndGeneralAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$3,141,409	TotalAmt
Program Services	$2,841,302	ProgramServicesAmt
Management And General	$300,107	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$219,612	BOYAmt
EOY	$2,001,439	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$59,052	BOYAmt
EOY	$62,090	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$231,891	BOYAmt
EOY	$258,014	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$7,711,463	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$7,313,504	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$1,122,159	BOYAmt
EOY	$397,959	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$862,979	BOYAmt
EOY	$95,206	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$2,495,693	BOYAmt
EOY	$2,814,708	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$646,319	BOYAmt
EOY	$781,103	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$908,187	BOYAmt
EOY	$136,172	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,554,506	BOYAmt
EOY	$917,275	EOYAmt

Field	Value	IRS element (for citing)
Organization Follows SFAS117	Yes (X)	OrganizationFollowsSFAS117Ind

Unrestricted Net Assets UnrestrictedNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	$941,187	BOYAmt
EOY	$1,897,433	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$941,187	BOYAmt
EOY	$1,897,433	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$2,495,693	BOYAmt
EOY	$2,814,708	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	-$43,754	ReconcilationRevenueExpnssAmt
Other Changes In Net Assets	$1,000,000	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	0	FSAuditedInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule A IRS990ScheduleA

Field	Value	IRS element (for citing)
Supporting Organization509a3	Yes (X)	SupportingOrganization509a3Ind
Supporting Org Type3 Func Int	Yes (X)	SupportingOrgType3FuncIntInd
Certification	Yes (X)	CertificationInd
Contribution Controller	0	ContributionControllerInd
Contribution Family	0	ContributionFamilyInd
Contribution35 Controlled	0	Contribution35ControlledInd

Supported Org Information SupportedOrgInformationGrp (2 entries)

EINEIN	Organization TypeOrganizationTypeDesc	Governing Document ListedGoverningDocumentListedInd	Supported Org NotifiedSupportedOrgNotifiedInd	US OrganizedUSOrganizedInd	SupportSupportAmt
INCHARGE DEBT SOLUTIONS
330770440	7	Yes (1)	Yes (1)	Yes (1)	$2,930,510
INCHARGE EDUCATION FOUNDATION
200152720	11B, TYPE II	0	Yes (1)	Yes (1)	$43,671

Field	Value	IRS element (for citing)
Supported Organizations Total	2	SupportedOrganizationsTotalCnt
Support Sum	$2,974,181	SupportSumAmt

Schedule D IRS990ScheduleD

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$331,173	OtherCostOrOtherBasisAmt
Depreciation	$223,519	DepreciationAmt
Book Value	$107,654	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$7,361,539	OtherCostOrOtherBasisAmt
Depreciation	$7,071,234	DepreciationAmt
Book Value	$290,305	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$18,751	OtherCostOrOtherBasisAmt
Depreciation	$18,751	DepreciationAmt
Book Value	$0	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$397,959	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	DEFERRED RENT	Desc
Amt	$136,172	Amt

Field	Value	IRS element (for citing)
Total Liability	$136,172	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	ICI BELIEVES THAT IT HAS APPROPRIATE SUPPORT FOR ANY TAX POSITIONS TAKEN, AND AS SUCH, DOES NOT HAVE ANY UNCERTAIN TAX POSITIONS THAT ARE MATERIAL TO THE FINANCIAL STATEMENTS.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd
Comp Based On Revenue Of Flng Org	0	CompBasedOnRevenueOfFlngOrgInd
Comp Bsd On Rev Related Orgs	0	CompBsdOnRevRelatedOrgsInd
Comp Bsd Net Earns Flng Org	0	CompBsdNetEarnsFlngOrgInd
Comp Bsd Net Earns Rltd Orgs	0	CompBsdNetEarnsRltdOrgsInd
Any Non Fixed Payments	0	AnyNonFixedPaymentsInd
Initial Contract Exception	0	InitialContractExceptionInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (4 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
ETTA W MONEY
PRESIDENT & CEO, TRUSTEE	$0	$222,230	$0	$14,072	$0	$29,607	$0	$47,174	$0	$1,035	$0	$314,118	$0	$0
WILLIAM MALSEED
TREASURER	$0	$144,669	$0	$5,601	$0	$19,569	$0	$21,696	$0	$1,860	$0	$193,395	$0	$0
JODI MCGREGOR
SECRETARY	$0	$178,925	$0	$0	$0	$24,384	$0	$27,829	$0	$2,160	$0	$233,298	$0	$0
DAVID C JONES
FORMER TRUSTEE AND OFFICER	$0	$0	$0	$0	$10,121	$0	$0	$0	$0	$0	$10,121	$0	$10,121	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

PART I, LINE 4B

NON-QUALIFIED DEFERRED COMPENSATION PLANS EXIST FOR CERTAIN KEY EXECUTIVES. UNDER THE DEFERRED COMPENSATION PLANS, A PORTION OF THE PARTICIPATING EXECUTIVES' COMPENSATION IS DEFERRED. THE DEFERRED COMPENSATION BALANCE IS PAYABLE UPON 100% VESTING IN THE PLAN OR SEPARATION FROM SERVICE. THE DEFERRED COMPENSATION HAS BEEN INVESTED IN ANNUITY POLICIES AND OTHER PARTICIPANT DIRECTED INVESTMENT OPTIONS. DURING 2013, DAVID C. JONES RECEIVED MONTHLY PAYOUTS FROM THE ANNUITY-BASED DEFERRED COMPENSATION PLAN.

FORM 990, PART VI, SECTION B, LINE 15

PART I, QUESTION 3: A COMPENSATION COMMITTEE PERFORMS THE FOLLOWING TO ESTABLISH THE COMPENSATION OF INCHARGE INSTITUTE OF AMERICA'S CEO/EXECUTIVE DIRECTOR: 1) ENGAGES THE SERVICES OF AN INDEPENDENT COMPENSATION CONSULTANT 2) REVIEWS THE FORM 990 OF OTHER ORGANIZATIONS 3) SOLICITS A COMPENSATION SURVEY OR STUDY 4) SEEKS APPROVAL OF COMPENSATION BY THE BOARD OF TRUSTEES

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 4	ON AUGUST 8, 2013, THE BOARD OF TRUSTEES OF INCHARGE INSTITUTE OF AMERICA (ICI) ELECTED TO MAKE THE FOLLOWING CHANGES TO ITS GOVERNING DOCUMENTS: 1) AMEND THE BYLAWS TO REMOVE THE REQUIREMENT THAT TWO ICI TRUSTEES SERVE ON THE INCHARGE EDUCATION FOUNDATION'S (THE "FOUNDATION") BOARD OF TRUSTEES. 2) UNDER A WRITTEN UNANIMOUS CONSENT OF THE BOARD OF TRUSTEES, ICI AUTHORIZED THE AMENDMENT OF THE FOUNDATION'S CERTIFICATE OF INCORPORATION TO (A) REMOVE THE SOLE MEMBER STRUCTURE; (B) REVISE THE ASSET DISTRIBUTION ARTICLE TO REMOVE ICI AS THE DESIGNATED DISTRIBUTION RECIPIENT; AND (3) REMOVE ICI AS THE SOLE MEMBER OF THE FOUNDATION.
FORM 990, PART VI, SECTION B, LINE 11	THE BOARD OF TRUSTEES AND THE PRESIDENT & CEO REVIEW AND APPROVE THE FORM 990 PRIOR TO ITS FILING.
FORM 990, PART VI, SECTION B, LINE 12C	OFFICERS, DIRECTORS, TRUSTEES AND KEY EMPLOYEES ARE REQUIRED TO DISCLOSE ANY POTENTIAL CONFLICTS OF INTEREST ON A CONFLICT OF INTEREST FORM THAT IS COMPLETED ANNUALLY. POTENTIAL CONFLICTS ARE TO BE REPORTED TO THE ORGANIZATION AS SOON AS KNOWN. FOLLOW UP IS PERFORMED TO ENSURE ALL CONFLICT OF INTEREST FORMS ARE RECEIVED.
FORM 990, PART VI, SECTION B, LINE 15	A SEPARATE BOARD APPOINTED COMPENSATION COMMITTEE DETERMINES THE SALARY OF THE OFFICERS OF INCHARGE INSTITUTE OF AMERICA ON AN ANNUAL BASIS. SALARY COMPARABILITY DATA AND PERFORMANCE IS REVIEWED FOR OFFICERS ANNUALLY. ON A REGULAR BASIS, AN INDEPENDENT COMPENSATION CONSULTANT MAY BE USED TO PERFORM A COMPENSATION SURVEY OR STUDY. KEY EMPLOYEES MAY RECEIVE INCREASES AND ARE ELIGIBLE FOR INCREASES BASED ON PERFORMANCE. PERIODICALLY, KEY EMPLOYEES' SALARIES ARE COMPARED TO MARKET DATA. THE LAST COMPENSATION REVIEW WAS CONDUCTED IN JANUARY - FEBRUARY 2014.
FORM 990, PART VI, SECTION C, LINE 18	THE ORGANIZATION MAKES ITS FORM 1023 AND FORM 990 AVAILABLE TO THE PUBLIC UPON REQUEST. THE ORGANIZATION'S FORM 990 IS ALSO AVAILABLE ON GUIDESTAR.ORG.
FORM 990, PART VI, SECTION C, LINE 19	THE ORGANIZATION PROVIDES COPIES OF ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AS VALID REQUESTS ARE RECEIVED.
FORM 990, PART XI, LINE 9:	CONTRIBUTED NET ASSETS FROM AFFILIATE 1,000,000.

Schedule R IRS990ScheduleR

Id Related Tax Exempt Org IdRelatedTaxExemptOrgGrp (2 entries)

Address Line1USAddress/AddressLine1	CityUSAddress/City	StateUSAddress/State	ZIP CodeUSAddress/ZIPCode	EINEIN	Primary ActivitiesPrimaryActivitiesTxt	Legal Domicile StateLegalDomicileStateCd	Exempt Code SectionExemptCodeSectionTxt	Public Charity StatusPublicCharityStatusTxt	Direct Controlling NADirectControllingNACd	Controlled OrganizationControlledOrganizationInd	Business Name Line1DirectControllingEntityName/BusinessNameLine1
INCHARGE DEBT SOLUTIONS
5750 MAJOR BLVD SUITE 300	ORLANDO	FL	32819	330770440	FINANCIAL COUNSELING	NV	501(C)(3)	LINE 7	N/A	0
INCHARGE EDUCATION FOUNDATION INC
5750 MAJOR BLVD SUITE 310	ORLANDO	FL	32819	200152720	DEVELOP FINANCIAL EDUCATIONAL MATERIALS AND RESOURCES	DE	501(C)(3)	LINE 11B, II		Yes (1)	INCHARGE INSTITUTE OF AMERICA INC

Id Related Org Txbl Corp Tr IdRelatedOrgTxblCorpTrGrp

Related Organization Name RelatedOrganizationName

Field	Value	IRS element (for citing)
Business Name Line1	BRIGHT HORIZONS FINANCIAL SERVICES INC	BusinessNameLine1

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4630 S KIRKMAN ROAD SUITE 357	AddressLine1
City	ORLANDO	City
State	FL	State
ZIP Code	32811	ZIPCode

Field	Value	IRS element (for citing)
EIN	463794644	EIN
Primary Activities	PROVIDES PERSONAL FINANCIAL PRODUCTS AND SERVICES	PrimaryActivitiesTxt
Legal Domicile State	DE	LegalDomicileStateCd

Direct Controlling Entity Name DirectControllingEntityName

Field	Value	IRS element (for citing)
Business Name Line1	INCHARGE INSTITUTE OF AMERICA INC	BusinessNameLine1

Field	Value	IRS element (for citing)
Entity Type	C	EntityTypeTxt
Share Of EOY Assets	$1,000,000	ShareOfEOYAssetsAmt
Ownership	1.00000	OwnershipPct
Controlled Organization	Yes (1)	ControlledOrganizationInd

Field	Value	IRS element (for citing)
Receipt Of Int Annts Rnts Rylts	Yes (1)	ReceiptOfIntAnntsRntsRyltsInd
Gift Grnt Or Cap Contri To Oth Org	Yes (1)	GiftGrntOrCapContriToOthOrgInd
Gift Grnt Cap Contri From Oth Org	Yes (1)	GiftGrntCapContriFromOthOrgInd
Loans Or Guarantees To Other Org	0	LoansOrGuaranteesToOtherOrgInd
Loans Or Guarantees From Oth Org	0	LoansOrGuaranteesFromOthOrgInd
Div Related Organization	0	DivRelatedOrganizationInd
Asset Sale To Other Org	Yes (1)	AssetSaleToOtherOrgInd
Asset Purchase From Other Org	0	AssetPurchaseFromOtherOrgInd
Asset Exchange	0	AssetExchangeInd
Rental Of Facilities To Oth Org	0	RentalOfFacilitiesToOthOrgInd
Rental Of Fclts From Oth Org	0	RentalOfFcltsFromOthOrgInd
Perform Of Services For Oth Org	Yes (1)	PerformOfServicesForOthOrgInd
Perform Of Services By Other Org	0	PerformOfServicesByOtherOrgInd
Sharing Of Facilities	Yes (1)	SharingOfFacilitiesInd
Paid Employees Sharing	Yes (1)	PaidEmployeesSharingInd
Reimbursement Paid To Other Org	Yes (1)	ReimbursementPaidToOtherOrgInd
Reimbursement Paid By Other Org	Yes (1)	ReimbursementPaidByOtherOrgInd
Transfer To Other Org	0	TransferToOtherOrgInd
Transfer From Other Org	Yes (1)	TransferFromOtherOrgInd

Transactions Related Org TransactionsRelatedOrgGrp (7 entries)

Transaction TypeTransactionTypeTxt	InvolvedInvolvedAmt	Method Of Amount DeterminationMethodOfAmountDeterminationTxt
BRIGHT HORIZONS FINANCIAL SERVICES INC
B	$1,000,000	CASH
INCHARGE EDUCATION FOUNDATION INC
C	$1,000,000	CASH
INCHARGE DEBT SOLUTIONS
N	$468,800	USAGE
INCHARGE DEBT SOLUTIONS
S	$4,221,691	CASH
INCHARGE DEBT SOLUTIONS
L	$2,930,510	USAGE
INCHARGE DEBT SOLUTIONS
Q	$727,947	CASH
INCHARGE EDUCATION FOUNDATION INC
S	$126,681	CASH