irs program accomplishments · form 990 part iii · fy2024
What they reported doing
- #1 primary $1.07MARIVA PROVIDES FREE FINANCIAL COUNSELING AND COACHING TO LOWER INCOME NEW YORKERS, BOTH AS A STANDALONE EFFORT AND INTEGRATED WITH OUR FREE TAX PROGRAM. WE OFFER COMPREHENSIVE FINANCIAL COUNSELING SERVICES AT SEVERAL NONPROFIT PARTNER ORGANIZATIONS IN LOW-INCOME NEIGHBORHOODS AROUND NEW YORK CITY. IN ADDITION TO SERVING THE GENERAL PUBLIC, WE HAVE EXPERTISE IN SPECIALIZED COUNSELING FOR PEOPLE SEEKING AFFORDABLE HOUSING, RECENT IMMIGRANTS, MICRO ENTREPRENEURS AND VERY LOW-INCOME NEW YORKERS. OUR PRIORITY IS REACHING PEOPLE WHO HAVE DIFFICULTY ACCESSING MAINSTREAM FINANCIAL SERVICES. IN 2024, 4,728 CLIENTS RECEIVED ONE ON ONE FINANCIAL COUNSELING FROM US.
named programs · 5 · from sources
What they call their work
Financial Counseling Program
Offers free, confidential one-on-one financial counseling to help clients manage debt, build credit, open bank accounts, save money, and achieve financial goals, available to all NYC residents over 18 regardless of income or immigration status.
Free Tax Preparation Program
Provides free income tax preparation services to eligible New Yorkers earning under $32,000 annually ($54,000 with dependents), including ITIN applications and prior-year filings, through IRS-certified volunteers at multiple locations across NYC.
La Ventanilla
Financial education program at the Mexican Consulate in NYC that serves the Mexican immigrant community by teaching credit building, debt reduction, and budgeting in Spanish.
Ready to Rent
Supports New Yorkers applying for affordable housing through the NYC Housing Lottery by educating them on income calculation rules and financial readiness for rental applications.
The Small Business Program
Provides workshops and one-on-one consultations to micro-entrepreneurs and small business owners in the Bronx on business development, financial management, and startup advice.
activities · 6 groups
What they do
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Culturally Specific Support Services 1 activity
- Financial empowerment for immigrant communitiesProvides culturally tailored financial services to immigrant populations, particularly Mexican and Ecuadorian communities, through La Ventanilla at consular offices in New York City. Offers free financial counseling, tax preparation, ITIN assistance, credit building, and budgeting support in Spanish and for Spanish speakers. Expanded from the Mexican Consulate to the Ecuadorian Consulate in 2024.
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Free Tax Preparation Services 1 activity
- Free income tax preparation and ITIN servicesProvides free income tax preparation services to low-income New York City residents through the VITA program, helping them file current and prior-year returns and claim credits such as the Earned Income Tax Credit. Also assists individuals in applying for or renewing Individual Taxpayer Identification Numbers (ITINs) if they are not eligible for Social Security numbers. Operates at over 30 locations in the Bronx and more than 10 sites citywide using in-person, drop-off, and virtual models.
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Financial Coaching and Credit Counseling 1 activity
- One-on-one financial counselingDelivers free, personalized financial counseling to thousands of New Yorkers annually, with a focus on communities in the Bronx, Brooklyn, Queens, and Manhattan. Services include budgeting, credit building, debt management, savings planning, bank account access, and financial organization for personal and business purposes. Provided to 4,728 individuals in 2024 through partnerships with 15 community-based organizations.
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Public Benefits Navigation and Enrollment 1 activity
- Ready to Rent affordable housing supportOperates the Ready to Rent program to assist New Yorkers applying for affordable housing through the NYC Housing Lottery by providing income eligibility reviews, credit history assessments, guidance on income calculations, and advice on improving credit scores and correcting report errors. Services are available in person and by phone across The Bronx, Brooklyn, Queens, and Manhattan.
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Small Business Technical Assistance 1 activity
- Small business development supportOffers business education, one-on-one consulting, business planning, financing guidance, EIN application assistance, and support in determining legal structure for entrepreneurs, self-employed individuals, and small business owners in the Bronx through The Small Business Program.
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Volunteer Engagement and Capacity Support 1 activity
- Volunteer engagement and capacity buildingEngages over 150–200 volunteers annually to deliver free tax preparation and financial education services across New York City. Volunteers support operations during tax season and contribute to broader community outreach and education efforts.
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financials · form 990 · fy2024
revenue
Total revenue$2.19M
Contributions & grants$2.04M94%
Program service revenue$00%
Investment income$143K7%
Other revenue$-3K
expenses
Total expenses$2.05M
Program expenses87%
Admin / overhead12%
Fundraising1%
Salaries & benefits$1.72M
Grants paid out$0
Largest expense lineCompensation
balance sheet
Total assets$4.13M
Cash$1.20M
Investments$2.09M
Liabilities$525K
Net assets$3.61M
Liquid reserves19.2 mo
5 years on record · 2020–2024 · YoY revenue +7.1%
leadership · form 990 part vii · fy2024
Who runs it
paid leadership · 2
| Name | Title | Hours/wk | Compensation |
|---|---|---|---|
| IRENE BALDWIN | EXECUTIVE DI | 40 | $185K |
| MARIBEL MONTILLA | TAX PROGRAM | 40 | $128K |
board members · 13
- ASTRID ANDRE — SECRETARY
- DIANA BREEN — BOARD MEMBER
- HENG LY — CHAIR
- JAMES BUCKLEY — BOARD MEMBER
- JOSH GARCIA — BOARD MEMBER
- LAKIA WILLIAMS — BOARD MEMBER
- LEMURIA ALAWODE-EL — BOARD MEMBER
- MYRIAM REBLING — BOARD MEMBER
- NATALIE LOZADA — BOARD MEMBER
- STEVEN FLAX — VICE CHAIR
- SUSAN GRBIC — TREASURER
- TERI WADE — BOARD MEMBER
- WALTER BLENMAN — BOARD MEMBER
relationships · 28
Who they work with
- Center for Urban Community Services Partner — Partners with Ariva to support financial counseling and related programs.
- Centro de Servicios Comunitarios Urbanos (CUCS) Partner — Partner organization in delivering financial and tax assistance programs.
- Consulado de México Partner — Collaborates on the "La Ventanilla" program to provide financial and tax services.
- Ecuadorian Consulate Partner — Hosts La Ventanilla program since 2024, expanding access to financial counseling services for Spanish speakers in New York City.
- Ecuadorian Consulate Partner — Hosts expanded La Ventanilla program providing free tax and financial education services.
- Fan Fox & Leslie R. Samuels Foundation Funder — Supported the Bronx Seniors Financial Empowerment Project.
- Flagstar Foundation Funder — Supported the Bronx Seniors Financial Empowerment Project.
- IRS Government — Tax sites are sponsored by the IRS VITA program and staff are IRS-certified.
- Internal Revenue Service Government — Provides official certification and training for Ariva's volunteer tax preparers through the VITA program.
- Legal Hand Partner — Collaborates on community service initiatives, including financial counseling and tax preparation.
- Legal Hand Partner — Collaborates with Ariva on programs providing financial and legal support services.
- M&T Bank Funder — Provided support for the expansion of La Ventanilla to the Ecuadorian Consulate in 2024.
- M&T Bank Partner — Supports the La Ventanilla program financially and through partnership to provide free financial counseling services.
- Mexican Consulate Partner — Collaborates with Ariva on the La Ventanilla program to provide financial services to the community.
- Mexican Consulate Partner — Hosts La Ventanilla program and collaborates with ARIVA to provide financial counseling services to Spanish speakers in New York City.
- Mexican Consulate in New York City Partner — Hosts La Ventanilla program providing free tax and financial education services to the Mexican community.
- Mother Cabrini Health Foundation Funder — Funds the La Ventanilla program to ensure free and confidential financial counseling services for Spanish speakers in New York City.
- New York City Department of Consumer and Worker Protection Partner — Collaborates with Ariva on the Ready to Rent program to prepare New Yorkers for affordable housing applications.
- New York City Department of Housing Preservation and Development Partner — Collaborates with Ariva on the Ready to Rent program to support affordable housing applications through the NYC Housing Lottery.
- New York Foundation for Eldercare Funder — Supported the Bronx Seniors Financial Empowerment Project.
- Raul Sosa Ruiz Partner — Staff contact for the Small Business Program at Ariva's West Farms office.
- The Mexican Consulate Partner — Collaborates to deliver financial counseling services to the Mexican immigrant community in NYC through the La Ventanilla program.
- The Mexican Studies Institute (MSI) at The City University of New York Partner — Partnership with Ariva to connect students to internship opportunities involving tax certification and community tax preparation.
- clients Partner — Engages clients as contributors of community stories to support shared learning and collective prosperity.
- nonprofit partner organizations Partner — Provides financial counseling services at multiple nonprofit partner organizations located in low-income neighborhoods across New York City.
- partners Partner — Collaborates with partners to share stories and resources aimed at building financial prosperity.
- staff Partner — Involves staff in sharing community stories to support financial education and collective prosperity.
- volunteers Partner — Engages volunteers in sharing community stories to promote financial empowerment.
strategies · 3
How they approach the work
Named approaches extracted from this org’s sources. Where others share an approach, follow it to see the full set of orgs running it.
- Equity-Centered, Culturally Congruent Service Deliverymethodology: culturally_and_linguistically_congruent_servicesBy delivering financial services through trusted community sites—including consular offices—and in culturally and linguistically appropriate ways, the organization increases engagement and trust among underserved populations, because accessibility and cultural resonance reduce systemic barriers to service uptake.
- Personalized Financial Counseling for Long-Term Wealth Buildingmethodology: personalized financial counselingBy providing tailored, goal-oriented financial counseling over multiple sessions, the organization enables clients to achieve financial independence and long-term wealth, because individualized support addresses specific barriers and builds sustained financial capability.
- Tax Filing as a Gateway to Financial Inclusionmethodology: tax filing as financial documentationBy offering free tax preparation and ITIN services as an entry point, the organization promotes economic stability and access to formal financial systems, because documented income enables eligibility for credit, housing, and public benefits—especially for cash-paid and immigrant workers.