2017-05-12T06:16:29-05:00 2016-09-30 043530932 PAVENTO RATCLIFFE RENZI & CO LLC 391 East Central St Unit 8A Franklin MA 02038 990 2015-10-01 043540147 D2D Fund Inc D2DF 6175419066 114 Western Avenue Allston MA 021341037 Timothy Flacke Executive Director 6175419065 2017-05-12 1 John A Ratcliffe P00551279 5085533091 2017-05-12 2015 2021-01-29 14:40:06Z Timothy Flacke 114 Western Avenue Allston MA 021341037 1788613 0 X www.buildcommonwealth.org X 2000 MA Doorways to Dreams (D2D) Fund strengthens the financial opportunity and security of low-and moderate-income consumers by innovating, incubating and stimulating new financial products and policies. D2D Fund envisions a world where the financial system promotes lasting social and economic prosperity for every family. 10 9 21 14 0 0 2568415 1541583 776237 239900 1227 7130 0 0 3345879 1788613 0 0 0 0 1156574 1389433 0 0 55020 940801 619663 2097375 2009096 1248504 -220483 2896623 2653964 145941 123765 2750682 2530199 See Schedule O Form 990, Part I, Line 1 0 0 1807842 239900 All of D2D's work is focused on improving the economic well-being of millions of financially vulnerable Americans through innovation. D2D generates practical ideas for financial products, services and policies, pilot tests its ideas, and pursues scale strategies to reach millions ofhouseholds. 1807842 1 1 0 1 0 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 28 0 1 21 1 0 0 0 0 0 0 0 0 X 10 9 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 MA X X Timothy Flacke 8776423167 D2D Fund Inc 114 Western Avenue Allston MA 02134 Fred T Goldberg Jr Director 2.00 X 0 0 0 Keith Malbrue Director 2.00 X 0 0 0 Professor Brigitte Madrian Director 2.00 X 0 0 0 Professor Peter Tufano Board Chair 2.00 X X 0 0 0 Timothy Flacke Executive Director 40.00 X X 140000 0 9790 Professor Howell Jackson Director 2.00 X 0 0 0 Evelyn Stark Director 2.00 X 0 0 0 Kate McKee Director 2.00 X 0 0 0 Gary Reeder Director 2.00 X 0 0 0 Celia Edwards Karam Director 2.00 X 0 0 0 Nicholas Maynard Sr. Vice President 40.00 X 125704 0 0 265704 0 9790 2 0 0 0 0 1541583 1541583 DEVELOP FIN'L ED.GAMES 900099 239900 239900 239900 7130 7130 1788613 239900 0 7130 174311 129705 17842 26764 995490 926320 52205 16965 119459 110073 6830 2556 100173 91157 6011 3005 2652 1519 1133 34748 34748 125673 125442 144 87 66346 59971 3953 2422 73861 72782 268 811 49350 39089 10238 23 6646 6007 396 243 Special Projects 151276 151276 Marketing & Materials 37089 37089 Small Equipment 34304 31227 1908 1169 Office Operations 32231 23685 7571 975 5487 2500 2987 2009096 1807842 146234 55020 513383 204251 1160128 1352349 928500 983000 283773 20056 600 339 118097 28360 6007 89737 4232 4232 2896623 2653964 145941 123765 145941 123765 X 854249 947074 1896433 1583125 2750682 2530199 2896623 2653964 -220483 0 X 0 1 X 1 0 X 1266875 2048560 665823 2568415 1541583 8091256 211060 419144 1022145 776237 239900 2668486 1477935 2467704 1687968 3344652 1781483 10759742 0 0 0 10759742 4691 4090 4396 1227 7130 21534 4691 4090 4396 1227 7130 21534 1482626 2471794 1692364 3345879 1788613 10781276 0.99800 0.99850 0.00200 0.00150 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 343 67104 67447 1941649 2009096 250455 62614 0 0 233947 268264 254869 250455 1007535 1511303 2137 3109 2913 67447 75606 58487 67066 63717 62614 251884 377826 2137 3109 480 343 6069 35534 27675 7859 21275 481 20794 61288 204 61084 89737 1913156 124543 124543 1788613 0 1788613 2133639 124543 124543 2009096 0 2009096 X X X 0 0 0 0 0 0 0 0 0 Part I, Line 3 See Schedule O - Form 990, Part VI, Section B, Line 15 explanation Form 990, Part VI, Section B, line 11 The tax return is reviewed by the Audit Committee; once approved it is sent electronically to all members of the Board of Directors and any questions forwarded to the appropriate staff. Form 990, Part VI, Section B, line 12c All Directors understand their obligations with regard to disclosing potential conflicts of interest and are encouraged to do so when such potential conflicts arise throughout the year, particularly during quarterly board meetings. Form 990, Part VI, Section B, line 15 The Executive Director's compensation is determined by a Board of Directors' committee after reviewing performance, comparable data and determining what would be equitable for both the organization and the Executive Director. Staff compensation is determined by the Executive Director following annual reviews and self-reviews by each employee. Consideration is given to comparisons of salaries of similar nonprofit Organizations. All compensation decisions are supported with written documentation that is stored in office files. Form 990, Part VI, Section C, line 19 The Organization makes its governing documents, conflict of interest policy and financial statements available to the public upon request.