PLATINUM2024's mission is to help strengthen communities and improve the lives of individuals and families by providing financially focused counseling and coaching that promotes fiscal education, sustainable housing, empowerment and health.

aka   |   Riverside, CA   |
GuideStar Charity Check

EIN: 33-0656671


Our mission is simple, yet vital: Our people improve the lives and financial well-being of individuals by providing quality financial education and coaching. We do this by offering confidential budget counseling, educational programs and seminars to consumers and their families. Our commitment is driven by four core values: Integrity – High expectations that the organization will stand up for its beliefs, honesty and candor Quality – Encouraging excellence, maintaining high standards and being the best Excellence – Something in which one excels, paving the way and being a leader Compassion – The betterment of others with emphasis on treating everyone with care, empathy and without judgment

Ruling year info



Cynthia Williams

Main address

1450 Iowa Avenue Suite 200

Riverside, CA 92507 USA

Show more contact info

Formerly known as

Counsumer Credit Counselors of Inland Empire, Inc.



Subject area info

Financial counseling

Population served info


NTEE code info

Financial Counseling, Money Management (P51)

What we aim to solve

SOURCE: Self-reported by organization

We address all types of consumer debt.

Our programs

SOURCE: Self-reported by organization

What are the organization's current programs, how do they measure success, and who do the programs serve?

Financial Education/Money Management has certified counselors to help consumers obtain solutions to their debt problems and gain control of their finances.

Population(s) Served

Housing Counseling/Foreclosure Prevention

Population(s) Served

Bankruptcy Counseling

Population(s) Served

Credit and Debt Counseling

Population(s) Served

Student Loan Counseling

Population(s) Served

Rental Housing Counseling

Population(s) Served

Reverse Mortgage Counseling

Population(s) Served

Where we work

Affiliations & memberships

Better Business Bureau A+ rating 2020

Our results

SOURCE: Self-reported by organization

How does this organization measure their results? It's a hard question but an important one.

Total dollar amount of grants awarded

This metric is no longer tracked.
Totals By Year
Related Program

Housing Counseling/Foreclosure Prevention

Type of Metric

Output - describing our activities and reach

Direction of Success


Goals & Strategy

SOURCE: Self-reported by organization

Learn about the organization's key goals, strategies, capabilities, and progress.

Charting impact

Four powerful questions that require reflection about what really matters - results.

Improve the lives and financial well-being of individuals and families by providing quality financial education and coaching.

Providing a host of financial coaching services.

We are staffed with experienced professionals and have the dedication to achieve our mission.

Consumer successful completion of debt management plans; foreclosure prevention, reverse mortgage, student loan counseling, etc.

How we listen

SOURCE: Self-reported by organization

Seeking feedback from people served makes programs more responsive and effective. Here’s how this organization is listening.

done We shared information about our current feedback practices.
  • How is your organization using feedback from the people you serve?

  • Which of the following feedback practices does your organization routinely carry out?

  • What challenges does the organization face when collecting feedback?

Fiscal year: Jan 01 - Dec 31
Financial documents
2023 Audited Financial Statements 2017 A-133 Single Audit
done  Yes, financials were audited by an independent accountant. info

Revenue vs. expenses:  breakdown

SOURCE: IRS Form 990 info
Note: When component data are not available, the graph displays the total Revenue and/or Expense values.

Liquidity in 2022 info

SOURCE: IRS Form 990


Average of 2.07 over 10 years

Months of cash in 2022 info

SOURCE: IRS Form 990


Average of 1.4 over 10 years

Fringe rate in 2022 info

SOURCE: IRS Form 990


Average of 4% over 10 years

Funding sources info

Source: IRS Form 990

Assets & liabilities info

Source: IRS Form 990

Financial data

SOURCE: IRS Form 990

Revenue & expenses

Fiscal Year: Jan 01 - Dec 31

SOURCE: IRS Form 990 info

Fiscal year ending: cloud_download Download Data

Balance sheet

Fiscal Year: Jan 01 - Dec 31

SOURCE: IRS Form 990 info

The balance sheet gives a snapshot of the financial health of an organization at a particular point in time. An organization's total assets should generally exceed its total liabilities, or it cannot survive long, but the types of assets and liabilities must also be considered. For instance, an organization's current assets (cash, receivables, securities, etc.) should be sufficient to cover its current liabilities (payables, deferred revenue, current year loan, and note payments). Otherwise, the organization may face solvency problems. On the other hand, an organization whose cash and equivalents greatly exceed its current liabilities might not be putting its money to best use.

Fiscal year ending: cloud_download Download Data

Financial trends analysis Glossary & formula definitions

Fiscal Year: Jan 01 - Dec 31

SOURCE: IRS Form 990 info

This snapshot of’s financial trends applies Nonprofit Finance Fund® analysis to data hosted by GuideStar. While it highlights the data that matter most, remember that context is key – numbers only tell part of any story.

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Business model indicators

Profitability info 2018 2019 2020 2021 2022
Unrestricted surplus (deficit) before depreciation -$889,962 $8,012,924 -$1,299,978 -$1,753,242 -$2,898,491
As % of expenses -4.9% 112.3% -19.5% -20.7% -33.8%
Unrestricted surplus (deficit) after depreciation -$1,127,769 $7,809,569 -$1,562,705 -$2,130,272 -$3,604,280
As % of expenses -6.1% 106.5% -22.5% -24.1% -38.8%
Revenue composition info
Total revenue (unrestricted & restricted) $17,395,786 $14,955,902 $4,176,877 $5,993,379 $6,984,946
Total revenue, % change over prior year -30.4% -14.0% -72.1% 43.5% 16.5%
Program services revenue 87.3% 24.8% 79.1% 45.2% 48.3%
Membership dues 0.0% 0.0% 0.0% 0.0% 0.0%
Investment income 0.9% 1.5% 6.1% 0.0% 0.0%
Government grants 8.0% 0.5% 3.1% 31.9% 16.6%
All other grants and contributions 2.0% 1.9% 9.5% 9.1% 17.3%
Other revenue 1.8% 71.3% 2.1% 13.8% 17.9%
Expense composition info
Total expenses before depreciation $18,130,560 $7,132,963 $6,673,111 $8,467,105 $8,585,072
Total expenses, % change over prior year -28.3% -60.7% -6.4% 26.9% 1.4%
Personnel 71.9% 39.1% 40.8% 38.6% 41.0%
Professional fees 1.5% 2.7% 3.1% 1.2% 5.4%
Occupancy 3.5% 4.1% 4.3% 4.0% 0.2%
Interest 0.0% 6.0% 0.4% 1.1% 2.8%
Pass-through 0.0% 0.0% 0.0% 0.0% 0.0%
All other expenses 23.1% 48.0% 51.4% 55.0% 50.5%
Full cost components (estimated) info 2018 2019 2020 2021 2022
Total expenses (after depreciation) $18,368,367 $7,336,318 $6,935,838 $8,844,135 $9,290,861
One month of savings $1,510,880 $594,414 $556,093 $705,592 $715,423
Debt principal payment $460,286 $13,080,746 $0 $87,341 $121,387
Fixed asset additions $0 $0 $1,154,253 $0 $0
Total full costs (estimated) $20,339,533 $21,011,478 $8,646,184 $9,637,068 $10,127,671

Capital structure indicators

Liquidity info 2018 2019 2020 2021 2022
Months of cash 0.4 5.3 0.9 1.8 3.1
Months of cash and investments 1.2 15.8 15.5 9.9 6.0
Months of estimated liquid unrestricted net assets 1.5 16.9 14.6 8.6 3.6
Balance sheet composition info 2018 2019 2020 2021 2022
Cash $574,145 $3,131,024 $502,551 $1,276,467 $2,209,411
Investments $1,239,191 $6,283,289 $8,128,853 $5,731,839 $2,049,928
Receivables $690,017 $1,268,981 $1,029,540 $582,749 $1,059,978
Gross land, buildings, equipment (LBE) $20,558,679 $7,255,124 $6,771,746 $6,945,764 $1,628,046
Accumulated depreciation (as a % of LBE) 36.6% 94.4% 80.8% 84.2% 47.1%
Liabilities (as a % of assets) 85.1% 9.3% 20.4% 24.3% 58.8%
Unrestricted net assets $2,537,867 $10,347,436 $8,784,731 $6,654,459 $3,050,179
Temporarily restricted net assets $0 N/A N/A N/A N/A
Permanently restricted net assets $0 N/A N/A N/A N/A
Total restricted net assets $0 $0 $0 $0 $0
Total net assets $2,537,867 $10,347,436 $8,784,731 $6,654,459 $3,050,179

Key data checks

Key data checks info 2018 2019 2020 2021 2022
Material data errors No No No No No


The people, governance practices, and partners that make the organization tick.

Form 1023/1024 is not available for this organization


Cynthia Williams

Todd Emerson is President of Springboard Nonprofit Consumer Credit Management, Inc. dba, an IRS 501(c) (3) nonprofit financial education and counseling organization. Mr. Emerson is responsible for the administration, strategic planning and program development that embodies’s mission to improve the lives of consumers by offering services that promote financial literacy, stable homeownership and a healthy economy. Mr. Emerson brings an impressive background to Previously, he served multiple roles in sales and operations for AT&T/SBC where he achieved several technical system certifications and was honored with the company’s President’s Club, Sterling Performers, and Encore Awards. He earned a Bachelor of Science in Economics and Finance from the College of Charleston in South Carolina, and completed an eighteen month post-graduate fellowship at Harvard University’s John F. Kennedy School of Government in Social Policies as a Ford Fellow.

Number of employees

Source: IRS Form 990

Officers, directors, trustees, and key employees

SOURCE: IRS Form 990

Show data for fiscal year
Compensation data
Download up to 5 most recent years of officer and director compensation data for this organization

Highest paid employees

SOURCE: IRS Form 990

Show data for fiscal year
Compensation data
Download up to 5 most recent years of highest paid employee data for this organization

Board of directors
as of 04/01/2024
SOURCE: Self-reported by organization
Board of directors data
Download the most recent year of board of directors data for this organization
Board chair

Stacie Anctil


Stacie Anctil


Mike Fraschilla

Edwards Federal Credit Union

Ethan Horn

Law Office of Dean, Omar, Branham & Shirley

John Perlstein

The Law Offices John J. Perlstein

Todd Emerson

Board leadership practices

SOURCE: Self-reported by organization

GuideStar worked with BoardSource, the national leader in nonprofit board leadership and governance, to create this section.

  • Board orientation and education
    Does the board conduct a formal orientation for new board members and require all board members to sign a written agreement regarding their roles, responsibilities, and expectations? Yes
  • CEO oversight
    Has the board conducted a formal, written assessment of the chief executive within the past year ? Yes
  • Ethics and transparency
    Have the board and senior staff reviewed the conflict-of-interest policy and completed and signed disclosure statements in the past year? Yes
  • Board composition
    Does the board ensure an inclusive board member recruitment process that results in diversity of thought and leadership? Yes
  • Board performance
    Has the board conducted a formal, written self-assessment of its performance within the past three years? Not applicable


Fiscal year ending
There are no fundraisers recorded for this organization.