2026-03-21T07:09:02-05:00 2025-09-30 043530932 PAVENTO RATCLIFFE RENZI & CO LLC 391 East Central St Unit 8A Franklin MA 02038 990 2024-10-01 043540147 Build Commonwealth Inc BUIL 6175419066 265 Franklin Street 1702 Boston MA 02110 Timothy Flacke Chief Executive Officer 6175419065 2026-03-10 1 0 John A Ratcliffe P00551279 5085533091 2026-03-10 2024 2025-03-06 01:10:19Z X Timothy Flacke 265 Franklin Street 1702 Boston MA 02110 1775251 0 X www.buildcommonwealth.org X 2000 MA Build Commonwealth, Inc. strengthens the financial opportunity and security of low-and moderate-income consumers by innovating, incubating and stimulating new financial products and policies. Build Commonwealth, Inc. envisions a world where the financial system promotes lasting social and economic prosperity for every family. 12 11 40 0 0 0 13941825 1438050 846400 142500 151338 194701 0 0 14939563 1775251 0 0 0 0 3991846 4253918 0 0 144356 1950480 2144395 5942326 6398313 8997237 -4623062 13586512 8676886 675024 354338 12911488 8322548 See Schedule O Form 990, Part I, Line 1 0 0 5736494 142500 All of Build Commonwealth's work is focused on improving the economic well-being of millions of financially vulnerable Americans through innovation. Build Commonwealth generates practical ideas for financial products, services and policies, pilot tests its ideas, and pursues scale strategies to reach millions of households. 5736494 1 1 0 1 0 0 0 0 0 0 1 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 27 0 1 40 1 0 0 0 0 0 0 0 0 0 0 0 0 X 12 11 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 6175419064 Build Commonwealth Inc 265 Franklin Boston MA 02110 Fred T Goldberg Jr Director 2.00 X 0 0 0 Dr Kelli Keough Director 2.00 X 0 0 0 Professor Georgia Keohane Director 2.00 X 0 0 0 Professor Peter Tufano President 2.00 X X 0 0 0 Timothy Flacke CEO, Secy & Treasurer 40.00 X X 231744 0 23957 Lacrecia Cade Director 2.00 X 0 0 0 Evelyn Stark Director 2.00 X 0 0 0 Celia Edwards Karam Director 2.00 X 0 0 0 Mary Dent Director 2.00 X 0 0 0 Haydee Moreno Director 2.00 X 0 0 0 Debra Plousha-Moore Director 2.00 X 0 0 0 Nicholas Maynard Sr. Vice President 40.00 X 200037 0 7115 Paula Grieco Sr. Vice President 40.00 X 205500 0 7285 Michelle Carter Sr. Vice President 40.00 X 168489 0 23294 Brenda Velazquez Sr. Vice President 40.00 X 173976 0 5143 979746 0 66794 13 0 1 0 Catherine New 1000 Cordova Place PMB512 Santa Fe NM 87505 Program Consultant 180960 Mubulushu International Inc 74 Bolton Road Harvard MA 01451 Researcher 126000 Haydee Moreno 2605 Inridge Drive Austin TX 78745 Program Consulting 118157 Shana Beal 190 Via Lerida Greenbrae CA 94904 Program Consultant 115000 Qualtrics LLC PO Box 29650 Phoenix AZ 85038 Survey Support 104835 5 1438050 1438050 DEV FINL SEC INITIATIV 900099 142500 142500 142500 194701 194701 1775251 142500 0 194701 301958 226468 30196 45294 3140073 2857218 207807 75048 552804 439546 112062 1196 259083 230749 18736 9598 33654 33654 120537 5158 115379 388829 388826 3 176818 157832 12352 6634 55283 52092 3191 53588 53409 179 10676 9529 746 401 Special Projects 816665 813665 3000 Marketing & Materials 279085 278854 231 Small Equipment 85848 76630 5997 3221 Office Operations 78955 70468 5523 2964 44457 42396 2061 6398313 5736494 517463 144356 50639 50443 2917617 3554321 8925000 3800000 290035 78833 71057 42192 402749 390879 16006 11870 971296 1044668 344862 94559 13586512 8676886 366988 296605 308036 57733 675024 354338 X 2269988 2289321 10641500 6033227 12911488 8322548 13586512 8676886 -4623062 34122 0 X 0 1 X 1 0 X 1532608 7522509 1053466 13941825 1438050 25488458 355422 96279 894070 846400 142500 2334671 1888030 7618788 1947536 14788225 1580550 27823129 0 0 0 27823129 9805 7470 113390 151338 194701 476704 9805 7470 113390 151338 194701 476704 19316 19316 1917151 7626258 2060926 14939563 1775251 28319149 0.98250 0.97600 0.01680 0.01140 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 0 0 0 0 0 384324 430270 447116 1261710 1892565 2955 2461 1087 0 6503 96081 107568 111779 315428 473142 90629 87918 2711 220832 211673 9159 91288 91288 0 11870 Lease liability 57733 57733 1809373 34122 34122 1775251 0 1775251 6398313 0 6398313 0 6398313 X X X X X 0 0 0 0 0 0 0 0 0 Timothy Flacke CEO, Secy & Treasurer 231744 0 0 0 0 0 0 0 23957 0 255701 0 0 0 Paula Grieco Sr. Vice President 205500 0 0 0 0 0 0 0 7285 0 212785 0 0 0 Nicholas Maynard Sr. Vice President 200037 0 0 0 0 0 0 0 7115 0 207152 0 0 0 Michelle Carter Sr. Vice President 168489 0 0 0 0 0 0 0 23294 0 191783 0 0 0 Brenda Velazquez Sr. Vice President 173976 0 0 0 0 0 0 0 5143 0 179119 0 0 0 Part I, Line 3 See Schedule O - Form 990, Part VI, Section B, Line 15 explanation Haydee Moreno Director 118157 payment for program consulting 0 Form 990, Part VI, Section B, line 11b 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 Chief Executive Officer'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 Chief Executive Officer. Staff compensation is approved by the Chief Executive Officer & HR 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 Build Commonwealth, Inc. 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.