TY 2024 Form 990

(A)
Name and title

(B)
Average hours per week (list any hours for related organizations below dotted line)

(D)
Reportable compensation from the organization (W-2/1099-MISC/1099-NEC)

(E)
Reportable compensation from related organizations (W-2/1099-MISC/1099-NEC)

(F)
Estimated amount of other compensation from the organization and related organizations

(1) SHARON ZISSMAN ESQ CDMM......................................................................
PRESIDENT

7.00
.................

(2) KATHERINE GUDGEL......................................................................
VICE PRESIDENT

7.00
.................

(3) MARCIA TURNER......................................................................
SECRETARY/ TREASURER

7.00
.................

(4) SUSIE MARBURY CDMM......................................................................
IMMEDIATE PAST PRESIDENT

5.00
.................

(5) JACQUELINE JACQUEMAIN......................................................................
BOARD MEMBER

5.00
.................

(6) MARY PRADHAN CDMM......................................................................
BOARD MEMBER

5.00
.................

(7) CHRIS GLAESER CDMM......................................................................
BOARD MEMBER

5.00
.................

(8) TERRI ECHARTE......................................................................
BOARD MEMBER

5.00
.................

(9) BARB IRVIN......................................................................
BOARD MEMBER

5.00
.................

(A)
Name and title

(B)
Average hours per week (list any hours for related organizations below dotted line)

(D)
Reportable compensation from the organization (W-2/1099-MISC/1099-NEC)

(E)
Reportable compensation from related organizations (W-2/1099-MISC/1099-NEC)

(F)
Estimated amount of other compensation from the organization and related organizations

(A)
Name and business address

(B)
Description of services

ASSOCIATION & CONFERENCE GROUP LLC

673 POTOMAC STATON DRIVE SUITE 801
LEESBURG,VA20176

ASSOCIATION MANAGEMENT

108,786

Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization 1

- TIN:

SCHEDULE O
(Form 990)
(Rev. January 2025)
Department of the Treasury
Internal Revenue Service

Supplemental Information to Form 990 or 990-EZ

Complete to provide information for responses to specific questions on
Form 990 or 990-EZ or to provide any additional information.
Attach to Form 990 or 990-EZ.
Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public
Inspection

Name of the organization

AMERICAN ASSOCIATION OF DAILY MONEY
MANAGERS

Employer identification number

52-1944683

Return Reference	Explanation
FORM 990, PART VI, SECTION A, LINE 3	MANAGEMENT DUTIES WERE DELEGATED TO ASSOCIATION & CONFERENCE GROUP ($108,786) . DURING THE CONTRACT PERIOD, THE MANAGEMENT COMPANY ATTENDED BOARD MEETINGS AND WORKED WITH OFFICERS TO MANAGE THE ASSOCIATION. THE MANAGEMENT COMPANY PREFORMED ALL MANAGEMENT, ADMINISTRATIVE, AND FINANCIAL DUTIES FOR THE ASSOCIATION.
FORM 990, PART VI, SECTION A, LINE 6	MEMBERSHIP IS IN FOUR CATEGORIES: INDIVIDUALS, FIRMS, AFFILIATE AND RETIRED. INDIVIDUAL: INDIVIDUAL MEMBERS INCLUDE THOSE WHO ARE ENGAGED IN THE PROFESSION OF DAILY MONEY MANGAGEMENT SERVICES. A BACKGROUND CHECK IS REQUIRED FOR INDIVIDUAL MEMBERS. FIRM: DMM BUSINESSES WITH MORE THAN ONE EMPLOYEE OR OWNER MAY PUCHASE MULTIPLE MEMBERSHIPS AT A DISCOUNTED RATE. AFFILIATE: MEMBERS INCLUDE THOSE WHO PROVIDE SERVICES AND PRODUCTS TO DAILY MONEY MANAGERS OR THEIR CLIENTS, AND THOSE IN AFFILIATED RELATED PROFESSIONS. RETIRED: MEMBERS INCLUDE THOS WHO ARE SILL ACTIVE IN AADMM AND THE PROFESSION BUT ARE NO LONGER PROVIDING DAILY MONEY MANAGEMENT SERVICES TO CLIENTS.
FORM 990, PART VI, SECTION A, LINE 7A	MEMBERS ELECTED THE DIRECTORS OF THE BOARD. NOMINATING COMMITTEE DEVELOPS AN ELECTION SLATE. MEMBERS VOTE ON SLATE ON PRIVATE WEB-BASED VOTING SYSTEM. THIS IS DONE ANNUALLY BUT BOARD TERMS ARE FOR TWO YEARS. OFFICERS ARE ELEVETED BY THE DIRECTORS FROM AN ELECTION SLTATE PREPARED BY THE NOMINATING COMMITTEE. NOMINATING COMMITTEE HAS BOARD-APPROVED POLICIES AND PROCEDURES.
FORM 990, PART VI, SECTION A, LINE 7B	BY LAWS AND ELECTIONS OF THE BOARD MUST BE APPROVED BY MEMBERS. THE ELECTION IS DONE ONCE A YEAR BY E-MAIL VOTING. ALL OTHER DECISIONS ARE MADE BY THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION B, LINE 11B	THE BOARD OF DIRECTORS WILL RECEIVE THE 990 AND WILL VOTE TO APPROVE.
FORM 990, PART VI, SECTION B, LINE 12C	THE BOARD OF DIRECTORS HAS A BOARD-APPROVED CONFLICT OF INTEREST POLICY. YEARLY AT THE PERVIOUS-YEAR NOVEMBER MEETING OF THE BOARD THE POLICY IS REVIEWED AND ALL BOARD MEMBERS NOTE IF THEY HAVE ANY CONFLICTS OF INTEREST.
FORM 990, PART VI, SECTION B, LINE 15A	ASSOCIATION & CONFERENCE GROUP PERFORMED ALL MANAGEMENT, ADMINISTRATIVE AND FINANCIAL DUTIES FOR THE ORGANIZATION. THE BOARD OF DIRECTORS HAD A SIGNED CONTRACT WITH THE MANAGEMENT COMPANY. THE MANAGEMENT COMPANY WAS PAID ON A MONTHLY BASIS.
FORM 990, PART VI, SECTION C, LINE 19	ANY GOVERNING DOCUMENTS ARE AVAILABLE TO THE GENERAL PUBLIC UPON REQUEST.

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.

Cat. No. 51056K

Schedule O (Form 990) (Rev. 1-2025)

Additional Data

Software ID:
Software Version:

1	Briefly describe the organization’s mission or most significant activities: THE MISSION OF THE ORGANIZATION IS TO SUPPORT AND PROMOTE EXCELLENCE IN THE PROFESSION.
2	Check this box
3	Number of voting members of the governing body (Part VI, line 1a) ........	3	9
4	Number of independent voting members of the governing body (Part VI, line 1b) .....	4	9
5	Total number of individuals employed in calendar year 2024 (Part V, line 2a) ......	5	0
6	Total number of volunteers (estimate if necessary) .............	6	42
7a	Total unrelated business revenue from Part VIII, column (C), line 12 ........	7a	0
b	Net unrelated business taxable income from Form 990-T, Part I, line 11 .........	7b	0

		Prior Year	Current Year
8	Contributions and grants (Part VIII, line 1h) .........	0	0
9	Program service revenue (Part VIII, line 2g) .........	237,973	261,287
10	Investment income (Part VIII, column (A), lines 3, 4, and 7d ) ....	690	1,094
11	Other revenue (Part VIII, column (A), lines 5, 6d, 8c, 9c, 10c, and 11e)	0	0
12	Total revenue—add lines 8 through 11 (must equal Part VIII, column (A), line 12)	238,663	262,381
13	Grants and similar amounts paid (Part IX, column (A), lines 1–3 )...	0	0
14	Benefits paid to or for members (Part IX, column (A), line 4).....	0	0
15	Salaries, other compensation, employee benefits (Part IX, column (A), lines 5–10)	0	0
16a	Professional fundraising fees (Part IX, column (A), line 11e) .....	0	0
b	Total fundraising expenses (Part IX, column (D), line 25) 0
17	Other expenses (Part IX, column (A), lines 11a–11d, 11f–24e)....	215,258	154,994
18	Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25)	215,258	154,994
19	Revenue less expenses. Subtract line 18 from line 12.......	23,405	107,387
		Beginning of Current Year	End of Year
20	Total assets (Part X, line 16).............	270,182	374,680
21	Total liabilities (Part X, line 26).............	111,205	108,316
22	Net assets or fund balances. Subtract line 21 from line 20.....	158,977	266,364

Sign Here

	Signature of officer	Date

	Type or print name and title


4a	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )
	EDUCATION: HELD BUSINESS WORKSHOPS VIRTUALLY. OFFERED WEBINARS AS TRAINING OPPORTUNITIES TO MEMBERS AND NON-MEMBERS. PRESENTED CDMM WEBINAR SERIES.

4b	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )
	NEWSLETTERS EMAILED TO MEMBERS AND NON-MEMBERS. SENT "NEWS YOU CAN USE" EMAIL NEWSLETTERS. PROVIDED AND MONITORED LINKEDIN SOCIAL MEDIA SITE. MAINTAINED ORGANIZATION WEBSITE.

4c	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )












4d	Other program services (Describe in Schedule O.)
	(Expenses $ including grants of $ ) (Revenue $ )
4e	Total program service expenses

1b	Sub-Total..............
c	Total from continuation sheets to Part VII, Section A..
d	Total (add lines 1b and 1c).........	0	0	0

1a	Federated campaigns..	1a
b	Membership dues..	1b
c	Fundraising events..	1c
d	Related organizations	1d
e	Government grants (contributions)	1e

f	All other contributions, gifts, grants, and similar amounts not included above	1f

g	Noncash contributions included in lines 1a - 1f:$	1g

h Total. Add lines 1a-1f.......

		Business Code
2a	MEMBERSHIP DUES	611710	166,604	166,604
b	CONFERENCE AND WEBINAR	611710	94,683	94,683
c
d
e
f	All other program service revenue.
g	Total. Add lines 2a–2f .....		261,287

3 Investment income (including dividends, interest, and othersimilar amounts) ......			1,094			1,094
4 Income from investment of tax-exempt bond proceeds
5 Royalties...........
			(i) Real	(ii) Personal
6a	Gross rents	6a
b	Less: rental expenses	6b
c	Rental income or (loss)	6c
d	Net rental income or (loss).......
			(i) Securities	(ii) Other
7a	Gross amount from sales of assets other than inventory	7a
b	Less: cost or other basis and sales expenses	7b
c	Gain or (loss)	7c
d	Net gain or (loss).........
8a	Gross income from fundraising events (not including $ of contributions reported on line 1c). See Part IV, line 18 ....
			8a
b	Less: direct expenses ...		8b
c	Net income or (loss) from fundraising events..
9a	Gross income from gaming activities. See Part IV, line 19 ...
			9a
b	Less: direct expenses ...		9b
c	Net income or (loss) from gaming activities..
10a	Gross sales of inventory, less returns and allowances ..
			10a
b	Less: cost of goods sold ..		10b
c	Net income or (loss) from sales of inventory..

Business Code
11a
b
c
d	All other revenue ....
e	Total. Add lines 11a–11d ......
12	Total revenue. See instructions.....			262,381	261,287	0	1,094

1	Grants and other assistance to domestic organizations and domestic governments. See Part IV, line 21 ....
2	Grants and other assistance to domestic individuals. See Part IV, line 22 ...........
3	Grants and other assistance to foreign organizations, foreign governments, and foreign individuals. See Part IV, lines 15 and 16. .............
4	Benefits paid to or for members .......
5	Compensation of current officers, directors, trustees, and key employees ...........
6	Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) .........
7	Other salaries and wages........
8	Pension plan accruals and contributions (include section 401(k) and 403(b) employer contributions) ....
9	Other employee benefits .......
10	Payroll taxes ...........
11	Fees for services (non-employees):
a	Management ......	108,786
b	Legal .........
c	Accounting ...........	3,736
d	Lobbying ...........
e	Professional fundraising services. See Part IV, line 17
f	Investment management fees ......
g	Other (If line 11g amount exceeds 10% of line 25, column (A) amount, list line 11g expenses on Schedule O)	1,163
12	Advertising and promotion ....
13	Office expenses .......	670
14	Information technology ......	11,165
15	Royalties ..
16	Occupancy ...........
17	Travel ............	111
18	Payments of travel or entertainment expenses for any federal, state, or local public officials .
19	Conferences, conventions, and meetings ....	2,863
20	Interest ...........
21	Payments to affiliates .......
22	Depreciation, depletion, and amortization ..
23	Insurance ...	4,841
24	Other expenses. Itemize expenses not covered above (List miscellaneous expenses in line 24e. If line 24e amount exceeds 10% of line 25, column (A) amount, list line 24e expenses on Schedule O.)
a	BANK/ CREDIT CARD FEES	8,184
b	SPEAKER FEES	6,000
c	POSTAGE/PRINTING	3,653
d	BACKGROUND CHECKS	2,540
e	All other expenses	1,282
25	Total functional expenses. Add lines 1 through 24e	154,994
26	Joint costs. Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation. Check here if following SOP 98-2 (ASC 958-720).

1	Cash–non-interest-bearing ........		269,432	1	351,669
2	Savings and temporary cash investments .........			2
3	Pledges and grants receivable, net ......			3
4	Accounts receivable, net .............		750	4	1,500
5	Loans and other receivables from any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or 35% controlled entity or family member of any of these persons .......
				5
6	Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), and persons described in section 4958(c)(3)(B) ...
				6
7	Notes and loans receivable, net ...........			7
8	Inventories for sale or use ............			8
9	Prepaid expenses and deferred charges ......		0	9	21,511
10a	Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D	10a
b	Less: accumulated depreciation	10b		10c
11	Investments—publicly traded securities .			11
12	Investments—other securities. See Part IV, line 11 .....			12
13	Investments—program-related. See Part IV, line 11 ..			13
14	Intangible assets ...............			14
15	Other assets. See Part IV, line 11 ...........			15
16	Total assets. Add lines 1 through 15 (must equal line 33)...		270,182	16	374,680

17	Accounts payable and accrued expenses .....	3,472	17	987
18	Grants payable ...		18
19	Deferred revenue .........	107,733	19	107,329
20	Tax-exempt bond liabilities .........		20
21	Escrow or custodial account liability. Complete Part IV of Schedule D		21
22	Loans and other payables to any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or 35% controlled entity or family member of any of these persons .........
			22
23	Secured mortgages and notes payable to unrelated third parties ..		23
24	Unsecured notes and loans payable to unrelated third parties ..		24
25	Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17 - 24). Complete Part X of Schedule D		25
26	Total liabilities. Add lines 17 through 25..	111,205	26	108,316

	Organizations that follow FASB ASC 958, check here and complete lines 27, 28, 32, and 33.
27	Net assets without donor restrictions ..........	134,681	27	242,068
28	Net assets with donor restrictions ...........	24,296	28	24,296
	Organizations that do not follow FASB ASC 958, check here and complete lines 29 through 33.
29	Capital stock or trust principal, or current funds .....		29
30	Paid-in or capital surplus, or land, building or equipment fund ...		30
31	Retained earnings, endowment, accumulated income, or other funds		31
32	Total net assets or fund balances ...........	158,977	32	266,364
33	Total liabilities and net assets/fund balances ........	270,182	33	374,680

Limits on Lobbying Expenditures (The term "expenditures" means amounts paid or incurred.)		(b) Affiliated group totals
1a	Total lobbying expenditures to influence public opinion (grass roots lobbying) ......................
b	Total lobbying expenditures to influence a legislative body (direct lobbying) ........................
c	Total lobbying expenditures (add lines 1a and 1b) ............................................................
d	Other exempt purpose expenditures ...............................................................................
e	Total exempt purpose expenditures (add lines 1c and 1d) ..................................................
f	Lobbying nontaxable amount. Enter the amount from the following table in both columns.
	If the amount on line 1e, column (a) or (b) is:The lobbying nontaxable amount is:
	Not over $500,00020% of the amount on line 1e.
	Over $500,000 but not over $1,000,000$100,000 plus 15% of the excess over $500,000.
	Over $1,000,000 but not over $1,500,000$175,000 plus 10% of the excess over $1,000,000.
	Over $1,500,000 but not over $17,000,000$225,000 plus 5% of the excess over $1,500,000.
	Over $17,000,000$1,000,000.

g	Grassroots nontaxable amount (enter 25% of line 1f) .................................................
h	Subtract line 1g from line 1a. If zero or less, enter -0-. ................................................
i	Subtract line 1f from line 1c. If zero or less, enter -0-. ................................................
j	If there is an amount other than zero on either line 1h or line 1i, did the organization file Form 4720 reporting section 4911 tax for this year? ...................................................................................................................	Yes No

4-Year Averaging Period Under Section 501(h) (Some organizations that made a section 501(h) election do not have to complete all of the five columns below. See the separate instructions for lines 2a through 2f.)
Lobbying Expenditures During 4-Year Averaging Period
	Calendar year (or fiscal year beginning in)	(a) 2021	(b) 2022	(c) 2023	(d) 2024	(e) Total

2a	Lobbying nontaxable amount

b	Lobbying ceiling amount (150% of line 2a, column(e))

c	Total lobbying expenditures

d	Grassroots nontaxable amount

e	Grassroots ceiling amount (150% of line 2d, column (e))

f	Grassroots lobbying expenditures

(a) Name	(b) Address	(c) EIN	(d) Amount paid from filing organization's funds. If none, enter -0-.	(e) Amount of political contributions received and promptly and directly delivered to a separate political organization. If none, enter -0-.
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