Form990-PF

Department of the Treasury
Internal Revenue Service

Return of Private Foundation
or Section 4947(a)(1) Trust Treated as Private Foundation
right arrowDo not enter social security numbers on this form as it may be made public.
right arrowGo to www.irs.gov/Form990PF for instructions and the latest information.
OMB No. 1545-0047
2024
Open to Public Inspection
For calendar year 2024, or tax year beginning 01-01-2024 , and ending 12-31-2024
Name of foundation
RICHARD A ZAPPALA FAMILY FOUNDATION
 
Number and street (or P.O. box number if mail is not delivered to street address)5700 CORPORATE DRIVE SUITE 520
  Room/suite
City or town, state or province, country, and ZIP or foreign postal code
PITTSBURGH, PA15237
A Employer identification number

23-7876878
B Telephone number (see instructions)

(412) 391-6020
C right arrow
G Check all that apply:

D 1. Foreign organizations, check here............. right arrow
2. Foreign organizations meeting the 85%
test, check here and attach computation ... right arrow
E right arrow
H Check type of organization:
F right arrow
I Fair market value of all assets at end
of year (from Part II, col. (c),
line 16)right arrow$7,227,743J Accounting method:
 
(Part I, column (d) must be on cash basis.)
Part I Analysis of Revenue and Expenses (The total of amounts in columns (b), (c), and (d) may not necessarily equal the amounts in column (a) (see instructions).) (a) Revenue and
expenses per
books 		(b) Net investment
income 		(c) Adjusted net
income 		(d) Disbursements
for charitable
purposes
(cash basis only)
Revenue 1 Contributions, gifts, grants, etc., received (attach schedule) 32,196
2 Check right arrow.............
3 Interest on savings and temporary cash investments      
4 Dividends and interest from securities... 148,800 148,800  
5a Gross rents............      
b Net rental income or (loss)  
6a Net gain or (loss) from sale of assets not on line 10 119,650
b Gross sales price for all assets on line 6a 1,422,831
7 Capital gain net income (from Part IV, line 2)... 119,650
8 Net short-term capital gain.........  
9 Income modifications...........  
10a Gross sales less returns and allowances  
b Less: Cost of goods sold....  
c Gross profit or (loss) (attach schedule).....    
11 Other income (attach schedule).......      
12 Total. Add lines 1 through 11........ 300,646 268,450  
Operating and Administrative Expenses 13 Compensation of officers, directors, trustees, etc. 80,000 20,000   60,000
14 Other employee salaries and wages......        
15 Pension plans, employee benefits.......        
16a Legal fees (attach schedule).........        
b Accounting fees (attach schedule)....... Click to see attachment
List of Attached Documents:
// Content
5,495 2,748   2,748
c Other professional fees (attach schedule).... Click to see attachment
List of Attached Documents:
// Content
58,531 56,502   2,031
17 Interest...............        
18 Taxes (attach schedule) (see instructions)... Click to see attachment
List of Attached Documents:
// Content
145 145   0
19 Depreciation (attach schedule) and depletion...      
20 Occupancy..............        
21 Travel, conferences, and meetings.......        
22 Printing and publications..........        
23 Other expenses (attach schedule).......        
24 Total operating and administrative expenses.
Add lines 13 through 23.......... 144,171 79,395   64,779
25 Contributions, gifts, grants paid....... 365,000 365,000
26 Total expenses and disbursements. Add lines 24 and 25 509,171 79,395   429,779
27 Subtract line 26 from line 12:
a Excess of revenue over expenses and disbursements -208,525
b Net investment income (if negative, enter -0-) 189,055
c Adjusted net income (if negative, enter -0-)...  
For Paperwork Reduction Act Notice, see instructions.
Cat. No. 11289X Form 990-PF (2024)
Form 990-PF (2024)
Page 2
Part II Balance Sheets Attached schedules and amounts in the description column
should be for end-of-year amounts only. (See instructions.) 		Beginning of year End of year
(a) Book Value (b) Book Value (c) Fair Market Value
Assets 1 Cash—non-interest-bearing............. 85,104 183,707 183,707
2 Savings and temporary cash investments.........      
3 Accounts receivable right arrow  
Less: allowance for doubtful accounts right arrow        
4 Pledges receivable right arrow  
Less: allowance for doubtful accounts right arrow        
5 Grants receivable.................      
6 Receivables due from officers, directors, trustees, and other
disqualified persons (attach schedule) (see instructions).....      
7 Other notes and loans receivable (attach schedule) right arrow  
Less: allowance for doubtful accounts right arrow        
8 Inventories for sale or use..............      
9 Prepaid expenses and deferred charges..........   10,933 10,933
10a Investments—U.S. and state government obligations (attach schedule)      
b Investments—corporate stock (attach schedule)....... 3,145,426 Click to see attachment
List of Attached Documents:
// Content
3,376,220 		5,603,019
c Investments—corporate bonds (attach schedule)....... 525,000 Click to see attachment
List of Attached Documents:
// Content
375,000 		277,870
11 Investments—land, buildings, and equipment: basis right arrow  
Less: accumulated depreciation (attach schedule) right arrow        
12 Investments—mortgage loans.............      
13 Investments—other (attach schedule).......... 1,597,743 Click to see attachment
List of Attached Documents:
// Content
1,198,888 		1,152,214
14 Land, buildings, and equipment: basis right arrow  
Less: accumulated depreciation (attach schedule) right arrow        
15 Other assets (describe right arrow)      
16 Total assets (to be completed by all filers—see the
instructions. Also, see page 1, item I) 5,353,273 5,144,748 7,227,743
Liabilities 17 Accounts payable and accrued expenses..........    
18 Grants payable.................    
19 Deferred revenue.................    
20 Loans from officers, directors, trustees, and other disqualified persons    
21 Mortgages and other notes payable (attach schedule)......    
22 Other liabilities (describe right arrow)    
23 Total liabilities (add lines 17 through 22)......... 0 0
Net Assets or Fund Balances Foundations that follow FASB ASC 958, check here right arrow
and complete lines 24, 25, 29 and 30.
24 Net assets without donor restrictions...........    
25 Net assets with donor restrictions............    
Foundations that do not follow FASB ASC 958, check here right arrow
and complete lines 26 through 30.
26 Capital stock, trust principal, or current funds........ 0 0
27 Paid-in or capital surplus, or land, bldg., and equipment fund 0 0
28 Retained earnings, accumulated income, endowment, or other funds 5,353,273 5,144,748
29 Total net assets or fund balances (see instructions)..... 5,353,273 5,144,748
30 Total liabilities and net assets/fund balances (see instructions). 5,353,273 5,144,748
Part III
Analysis of Changes in Net Assets or Fund Balances
1
Total net assets or fund balances at beginning of year—Part II, column (a), line 29 (must agree with end-of-year figure reported on prior year’s return) ...............
1
5,353,273
2
Enter amount from Part I, line 27a .....................
2
-208,525
3
Other increases not included in line 2 (itemize) right arrow
3
0
4
Add lines 1, 2, and 3 ..........................
4
5,144,748
5
Decreases not included in line 2 (itemize) right arrow
5
0
6
Total net assets or fund balances at end of year (line 4 minus line 5)—Part II, column (b), line 29 .
6
5,144,748
Form 990-PF (2024)
Form 990-PF (2024)
Page 3
Part IV
Capital Gains and Losses for Tax on Investment Income
(a) List and describe the kind(s) of property sold (e.g., real estate,
2-story brick warehouse; or common stock, 200 shs. MLC Co.)		 (b)
How acquired
P—Purchase
D—Donation 		(c)
Date acquired
(mo., day, yr.) 		(d)
Date sold
(mo., day, yr.)
1 a 188000.000 SHS FEDERATED HERMES INSTITUTIONAL TAX FREE P 2023-12-29 2024-08-05
b 150914.351 SHS FEDERATED HERMES INSTITUTIONAL PRIME P 2022-08-01 2024-06-30
c 75989.503 SHS FEDERATED HERMES INSTL PRIME VALUE P 2022-08-01 2024-06-30
d 6000.000 SHS VIRTUS CONV & INC P 2018-09-04 2024-01-31
e 0.500 SHS BERKLEY W R CORP P 2024-07-11 2024-08-15
48.000 SHS DOLBY LABORATORIES INC P 2002-02-14 2024-06-30
64.000 SHS ANSYS INC P 2023-06-30 2024-06-30
20.000 SHS CHIOCE HOTELS INTL INC P 2023-06-30 2024-06-30
205.000 SHS DOLBY LABORATORIES INC P 2023-06-30 2024-06-30
26.000 SHS EXPONENT INC P 2023-06-30 2024-06-30
9.000 SHS FAIR ISAAC INC P 2023-06-30 2024-06-30
67.000 SHS TERADYNE INC P 2023-06-30 2024-06-30
1950.000 SHS GOLDMAN SACHS ACCESS ETF P 2023-06-30 2024-06-30
91.000 SHS UNITEDHEALTH GROUP INC P 2023-06-30 2024-10-25
1100.000 SHS BCE INC P 2023-06-30 2024-02-07
120.000 SHS CHARTER COMMUNICATIONS INC A P 2023-06-30 2024-02-08
900.000 SHS COMCAST CORP NEW CL A P 2023-06-30 2024-02-08
379.000 SHS L3HARRIS TECHNOLOGIES INC P 2023-06-30 2024-09-09
525.000 SHS NESTLE S A REG ADR P 2023-06-30 2024-03-20
45.000 SHS UNITEDHEALTH GROUP INC P 2023-06-30 2024-10-25
420.000 SHS VISTRA CORP P 2023-06-30 2024-10-25
2.000 SHS BROADCOM INC P 2024-07-01 2024-07-18
1.000 SHS S&P GLOBAL INC P 2023-12-01 2024-07-18
2.000 SHS ZOETIS INC P 2024-02-28 2024-07-18
28.000 SHS AFLAC INC P 2022-01-19 2024-07-18
119.000 SHS AIR PRODUCTS & CHEMICALS INC P 2023-06-30 2024-06-21
1.000 SHS AMERICAN TOWER CORP REIT P 2020-09-04 2024-07-18
8.000 SHS AMGEN INC P 2022-01-19 2024-07-18
24.000 SHS ANALOG DEVICES INC P 2020-01-19 2024-07-18
5.000 SHS APPLE INC P 2023-06-14 2024-07-18
6.000 SHS AUTOMATIC DATA PROCESSING P 2022-01-19 2024-07-18
149.000 SHS BECTON DICKINSON & CO P 2023-06-30 2024-02-16
2.000 SHS BLACKROCK INC P 2022-01-19 2024-07-18
3.000 SHS CHEVRON CORP P 2023-02-06 2024-07-18
5.000 SHS CISCO SYSTEMS INC P 2022-01-19 2024-07-18
7.000 SHS EMERSON ELECTRIC CO P 2022-01-19 2024-07-18
311.000 SHS EVERSOURCE ENERGY P 2023-06-30 2024-01-19
5.000 SHS GENL DYNAMICS CORP P 2022-01-19 2024-07-18
1.000 SHS GRAINGER W W INC P 2022-07-12 2024-07-18
6.000 SHS ILLINOIS TOOL WORKS INC P 2022-01-19 2024-07-18
7.000 SHS JPMORGAN CHASE & CO P 2021-06-23 2024-07-18
8.000 SHS JOHNSON & JOHNSON P 2022-01-19 2024-07-18
5.000 SHS L3HARRIS TECHNOLOGIES INC P 2022-01-19 2024-07-18
14.000 SHS LOWES COMPANIES INC P 2022-01-19 2024-07-18
2.000 SHS MCDONALDS CORP P 2022-01-19 2024-07-18
186.000 SHS NORFOLK SOUTHERN CORP P 2023-06-30 2024-06-30
2.000 SHS PPG INDUSTRIES INC P 2022-01-19 2024-07-18
13.000 SHS PAYCHECK INC P 2002-01-19 2024-07-18
8.000 SHS PEPSICO INC P 2022-01-19 2024-07-18
6.000 SHS PHILLIPS 66 P 2019-08-05 2024-07-18
49.000 SHS UNITEDHEALTH GROUP P 2023-06-30 2024-12-20
8.000 SHS WEC ENERGY GROUP INC P 2022-01-19 2024-07-18
7.000 SHS WALMART INC P 2019-08-05 2024-07-18
2.000 SHS LINDE PLC NEW P 2022-01-19 2024-07-18
357.000 SHS MEDTRONIC PLC P 2023-06-30 2024-02-12
10.000 SHS CHUBB LTD P 2022-01-19 2024-07-18
CAPITAL GAINS DIVIDENDS P    
(e)
Gross sales price 		(f)
Depreciation allowed
(or allowable) 		(g)
Cost or other basis
plus expense of sale 		(h)
Gain or (loss)
(e) plus (f) minus (g)
a 188,000   188,000 0
b 151,000   150,886 114
c 76,000   75,952 48
d 124,849   150,000 -25,151
e 26     26
3,421   3,810 -389
21,060   16,241 4,819
2,895   2,582 313
14,002   15,570 -1,568
2,320   2,320 0
18,979   3,954 15,025
7,429   7,255 174
194,681   194,925 -244
51,868   47,439 4,429
43,285   44,215 -930
33,964   38,744 -4,780
37,389   32,992 4,397
86,765   39,146 47,619
55,581   40,977 14,604
25,649   21,598 4,051
30,845   7,667 23,178
312   322 -10
489   422 67
363   398 -35
2,654   1,771 883
32,357   27,952 4,405
213   251 -38
2,688   1,856 832
5,762   3,962 1,800
1,120   920 200
1,502   1,360 142
36,025   35,959 66
1,686   1,661 25
489   509 -20
242   296 -54
819   670 149
16,613   24,724 -8,111
1,469   1,059 410
968   477 491
1,523   1,461 62
1,477   1,060 417
1,255   1,338 -83
1,195   1,146 49
3,387   3,313 74
522   513 9
45,511   37,228 8,283
268   325 -57
1,650   1,588 62
1,376   1,405 -29
827   578 249
24,403   24,280 123
663   772 -109
495   249 246
900   651 249
30,333   36,497 -6,164
2,703   1,935 768
28,564     28,564
Complete only for assets showing gain in column (h) and owned by the foundation on 12/31/69 (l)
Gains (Col. (h) gain minus
col. (k), but not less than -0-) or
Losses (from col.(h))
(i)
F.M.V. as of 12/31/69 		(j)
Adjusted basis
as of 12/31/69 		(k)
Excess of col. (i)
over col. (j), if any
a       0
b       114
c       48
d       -25,151
e       26
      -389
      4,819
      313
      -1,568
      0
      15,025
      174
      -244
      4,429
      -930
      -4,780
      4,397
      47,619
      14,604
      4,051
      23,178
      -10
      67
      -35
      883
      4,405
      -38
      832
      1,800
      200
      142
      66
      25
      -20
      -54
      149
      -8,111
      410
      491
      62
      417
      -83
      49
      74
      9
      8,283
      -57
      62
      -29
      249
      123
      -109
      246
      249
      -6,164
      768
      28,564
2 Capital gain net income or (net capital loss) Bracket If gain, also enter in Part I, line 7
If (loss), enter -0- in Part I, line 7		 Bracket 2 119,650
3 Net short-term capital gain or (loss) as defined in sections 1222(5) and (6):
If gain, also enter in Part I, line 8, column (c) (see instructions). If (loss), enter -0-
in Part I, line 8 ................... 		Bracket 3  
Part V
Excise Tax Based on Investment Income (Section 4940(a), 4940(b), 4940(e), or 4948—see instructions)
1a Exempt operating foundations described in section 4940(d)(2), check here right arrow and enter “N/A" on line 1. Bracket for line 1a
Date of ruling or determination letter:   (attach copy of letter if necessary–see instructions) 1 2,628
b All other domestic foundations enter 1.39% (0.0139) of line 27b. Exempt foreign organizations enter 4% (0.04) of Part I, line 12, col. (b)
2 Tax under section 511 (domestic section 4947(a)(1) trusts and taxable foundations only. Others enter -0-) 2 0
3 Add lines 1 and 2........................... 3 2,628
4 Subtitle A (income) tax (domestic section 4947(a)(1) trusts and taxable foundations only. Others enter -0-) 4 0
5 Tax based on investment income. Subtract line 4 from line 3. If zero or less, enter -0- ..... 5 2,628
6 Credits/Payments:
a 2024 estimated tax payments and 2023 overpayment credited to 2024 6a 13,561
b Exempt foreign organizations—tax withheld at source...... 6b 0
c Tax paid with application for extension of time to file (Form 8868)... 6c 0
d Backup withholding erroneously withheld .......... 6d 0
7 Total credits and payments. Add lines 6a through 6d.............. 7 13,561
8 Enter any penalty for underpayment of estimated tax. Check here if Form 2220 is attached. 8 0
9 Tax due. If the total of lines 5 and 8 is more than line 7, enter amount owed.......right arrow 9  
10 Overpayment. If line 7 is more than the total of lines 5 and 8, enter the amount overpaid...right arrow 10 10,933
11 Enter the amount of line 10 to be: Credited to 2025 estimated taxright arrow10,933 Refundedright arrow 11 0
Form 990-PF (2024)
Form 990-PF (2024)
Page 4
Part VI-A
Statements Regarding Activities
1a
During the tax year, did the foundation attempt to influence any national, state, or local legislation or did
Yes
No
it participate or intervene in any political campaign? ....................
1a
 
No
b
Did it spend more than $100 during the year (either directly or indirectly) for political purposes? See the instructions
for the definition.................................
1b
 
No
If the answer is "Yes" to 1a or 1b, attach a detailed description of the activities and copies of any materials
published or distributed by the foundation in connection with the activities.
c
Did the foundation file Form 1120-POL for this year?.....................
1c
 
No
d
Enter the amount (if any) of tax on political expenditures (section 4955) imposed during the year:
(1) On the foundation. right arrow$ 0(2) On foundation managers.right arrow$ 0
e
Enter the reimbursement (if any) paid by the foundation during the year for political expenditure tax imposed
on foundation managers.right arrow$ 0
2
Has the foundation engaged in any activities that have not previously been reported to the IRS?.......
2
 
No
If "Yes," attach a detailed description of the activities.
3
Has the foundation made any changes, not previously reported to the IRS, in its governing instrument, articles
of incorporation, or bylaws, or other similar instruments? If "Yes," attach a conformed copy of the changes....
3
 
No
4a
Did the foundation have unrelated business gross income of $1,000 or more during the year?.........
4a
 
No
b
If "Yes," has it filed a tax return on Form 990-T for this year?...................
4b
 
 
5
Was there a liquidation, termination, dissolution, or substantial contraction during the year?.........
5
 
No
If "Yes," attach the statement required by General Instruction T.
6
Are the requirements of section 508(e) (relating to sections 4941 through 4945) satisfied either:
round bullet By language in the governing instrument, or
round bullet By state legislation that effectively amends the governing instrument so that no mandatory directions
that conflict with the state law remain in the governing instrument? ................
6
Yes
 
7
Did the foundation have at least $5,000 in assets at any time during the year? If "Yes," complete Part II, col. (c),
and Part XIV..................................
7
Yes
 
8a
Enter the states to which the foundation reports or with which it is registered (see instructions)
right arrowPA
b
If the answer is "Yes" to line 7, has the foundation furnished a copy of Form 990-PF to the Attorney
General (or designate) of each state as required by General Instruction G? If "No," attach explanation .
8b
Yes
 
9
Is the foundation claiming status as a private operating foundation within the meaning of section 4942(j)(3)
or 4942(j)(5) for calendar year 2024 or the taxable year beginning in 2024? See the instructions for Part XIII.
If "Yes," complete Part XIII .............................
9
 
No
10
Did any persons become substantial contributors during the tax year? If "Yes," attach a schedule listing their names
and addresses. ...............................
10
 
No
11
At any time during the year, did the foundation, directly or indirectly, own a controlled entity within the
meaning of section 512(b)(13)? If "Yes," attach schedule. See instructions .............
11
 
No
12
Did the foundation make a distribution to a donor advised fund over which the foundation or a disqualified person had
advisory privileges? If "Yes," attach statement. See instructions.................
12
 
No
13
Did the foundation comply with the public inspection requirements for its annual returns and exemption application?
13
Yes
 
Website addressright arrowN/A
14
The books are in care ofright arrowLORI Z HARDIMAN Telephone no.right arrow (412) 391-9260

Located atright arrow5700 CORPORATE DRIVE SUITE 520PITTSBURGHPA ZIP+4right arrow15237
15
Section 4947(a)(1) nonexempt charitable trusts filing Form 990-PF in lieu of Form 1041 —check here .........right arrow
and enter the amount of tax-exempt interest received or accrued during the year ........right arrow
15
 
16 At any time during calendar year 2024, did the foundation have an interest in or a signature or other authority over YesNo
a bank, securities, or other financial account in a foreign country? .................
16   No
See the instructions for exceptions and filing requirements for FinCEN Form 114. If "Yes", enter the name of the foreign
country right arrow
Form 990-PF (2024)
Form 990-PF (2024)
Page 5
Part VI-B
Statements Regarding Activities for Which Form 4720 May Be Required
File Form 4720 if any item is checked in the "Yes" column, unless an exception applies.
Yes
No
1a
During the year did the foundation (either directly or indirectly):
(1) Engage in the sale or exchange, or leasing of property with a disqualified person? ...........
1a(1)
 
No
(2) Borrow money from, lend money to, or otherwise extend credit to (or accept it from)
a disqualified person? ..............................
1a(2)
 
No
(3) Furnish goods, services, or facilities to (or accept them from) a disqualified person? ...........
1a(3)
 
No
(4) Pay compensation to, or pay or reimburse the expenses of, a disqualified person? ............
1a(4)
Yes
 
(5) Transfer any income or assets to a disqualified person (or make any of either available
for the benefit or use of a disqualified person)? ......................
1a(5)
 
No
(6) Agree to pay money or property to a government official? (Exception. Check "No"
if the foundation agreed to make a grant to or to employ the official for a period
after termination of government service, if terminating within 90 days.) ...............
1a(6)
 
No
b
If any answer is "Yes" to 1a(1)–(6), did any of the acts fail to qualify under the exceptions described in Regulations
section 53.4941(d)-3 or in a current notice regarding disaster assistance? See instructions ..........
1b
 
No
c
Organizations relying on a current notice regarding disaster assistance check here ........right arrow
d
Did the foundation engage in a prior year in any of the acts described in 1a, other than excepted acts,
that were not corrected before the first day of the tax year beginning in 2024? .............
1d
 
No
2
Taxes on failure to distribute income (section 4942) (does not apply for years the foundation was a private
operating foundation defined in section 4942(j)(3) or 4942(j)(5)):
a
At the end of tax year 2024, did the foundation have any undistributed income (Part XII, lines 6d
and 6e) for tax year(s) beginning before 2024?....................
2a
 
No
If "Yes," list the years right arrow20, 20, 20, 20
b
Are there any years listed in 2a for which the foundation is not applying the provisions of section 4942(a)(2)
(relating to incorrect valuation of assets) to the year’s undistributed income? (If applying section 4942(a)(2)
to all years listed, answer "No" and attach statement—see instructions.) ..............
2b
 
 
c
If the provisions of section 4942(a)(2) are being applied to any of the years listed in 2a, list the years here.
right arrow20, 20, 20, 20
3a
Did the foundation hold more than a 2% direct or indirect interest in any business enterprise at
any time during the year? ..............................
3a
 
No
b
If "Yes," did it have excess business holdings in 2024 as a result of (1) any purchase by the foundation
or disqualified persons after May 26, 1969; (2) the lapse of the 5-year period (or longer period approved
by the Commissioner under section 4943(c)(7)) to dispose of holdings acquired by gift or bequest; or (3)
the lapse of the 10-, 15-, or 20-year first phase holding period? (Use Schedule C, Form 4720, to determine
if the foundation had excess business holdings in 2024.) .....................
3b
 
 
4a
Did the foundation invest during the year any amount in a manner that would jeopardize its charitable purposes?
4a
 
No
b
Did the foundation make any investment in a prior year (but after December 31, 1969) that could jeopardize its
charitable purpose that had not been removed from jeopardy before the first day of the tax year beginning in 2024? ..
4b
 
No
Form 990-PF (2024)
Form 990-PF (2024)
Page 6
Part VI-B
Statements Regarding Activities for Which Form 4720 May Be Required (continued)
5a
During the year did the foundation pay or incur any amount to:
Yes
No
(1) Carry on propaganda, or otherwise attempt to influence legislation (section 4945(e))? ..........
5a(1)
 
No
(2) Influence the outcome of any specific public election (see section 4955); or to carry
on, directly or indirectly, any voter registration drive? ....................
5a(2)
 
No
(3) Provide a grant to an individual for travel, study, or other similar purposes? .............
5a(3)
 
No
(4) Provide a grant to an organization other than a charitable, etc., organization described
in section 4945(d)(4)(A)? See instructions ........................
5a(4)
 
No
(5) Provide for any purpose other than religious, charitable, scientific, literary, or
educational purposes, or for the prevention of cruelty to children or animals? .............
5a(5)
 
No
b
If any answer is "Yes" to 5a(1)–(5), did any of the transactions fail to qualify under the exceptions described in
Regulations section 53.4945 or in a current notice regarding disaster assistance? See instructions ........
5b
 
 
c
Organizations relying on a current notice regarding disaster assistance check .........right arrow
d
If the answer is "Yes" to question 5a(4), does the foundation claim exemption from the
tax because it maintained expenditure responsibility for the grant? .................
5d
 
 
If "Yes," attach the statement required by Regulations section 53.4945–5(d).
6a
Did the foundation, during the year, receive any funds, directly or indirectly, to pay premiums on
a personal benefit contract? .............................
6a
 
No
b
Did the foundation, during the year, pay premiums, directly or indirectly, on a personal benefit contract? ....
6b
 
No
If "Yes" to 6b, file Form 8870.
7a
At any time during the tax year, was the foundation a party to a prohibited tax shelter transaction?
7a
 
No
b
If "Yes", did the foundation receive any proceeds or have any net income attributable to the transaction? .....
7b
 
 
8
Is the foundation subject to the section 4960 tax on payment(s) of more than $1,000,000 in remuneration or
excess parachute payment during the year? .........................
8
 
No
Part VII
Information About Officers, Directors, Trustees, Foundation Managers, Highly Paid Employees,
and Contractors
1 List all officers, directors, trustees, foundation managers and their compensation. See instructions
(a) Name and address (b) Title, and average
hours per week
devoted to position 		(c) Compensation
 (If not paid, enter
-0-) 		(d) Contributions to employee benefit plans and deferred compensation (e) Expense account,
other allowances
RICHARD A ZAPPALA TRUSTEE
0.75 		0 0 0
6800 S EAST HARBOR CIRCLE
STUART,FL34996
NANCY B ZAPPALA TRUSTEE
0.60 		0 0 0
6800 S EAST HARBOR CIRCLE
STUART,FL34996
LORI Z HARDIMAN MANAGING DIRECTOR
3.00 		40,000 0 0
105 HAWTHORNE ROAD
PITTSBURGH,PA15238
JORDAN J ZAPPALA CHARITABLE LIAISON
1.25 		40,000 0 0
1301 MARYLAND AVE NE
WASHINGTON,DC20002
KATE H RHODES CHARITABLE LIAISON
0.50 		0 0 0
516 F ST NE
WASHINGTON,DC20002
2 Compensation of five highest-paid employees (other than those included on line 1—see instructions). If none, enter “NONE."
(a) Name and address of each employee paid more than $50,000 (b) Title, and average
hours per week
devoted to position 		(c) Compensation (d) Contributions to
employee benefit
plans and deferred
compensation 		(e) Expense account,
other allowances
NONE
Total number of other employees paid over $50,000...................right arrow 0
Form 990-PF (2024)
Form 990-PF (2024)
Page 7
Part VII
Information About Officers, Directors, Trustees, Foundation Managers, Highly Paid Employees,
and Contractors (continued)
3 Five highest-paid independent contractors for professional services (see instructions). If none, enter "NONE".
(a) Name and address of each person paid more than $50,000 (b) Type of service (c) Compensation
NONE
Total number of others receiving over $50,000 for professional services.............right arrow0
Part VIII-A
Summary of Direct Charitable Activities
List the foundation’s four largest direct charitable activities during the tax year. Include relevant statistical information such as the number of organizations and other beneficiaries served, conferences convened, research papers produced, etc. Expenses
1  
2  
3  
4  
Part VIII-B
Summary of Program-Related Investments (see instructions)
Describe the two largest program-related investments made by the foundation during the tax year on lines 1 and 2. Amount
1 N/A 0
2  
All other program-related investments. See instructions.
3  
Total. Add lines 1 through 3.........................right arrow0
Form 990-PF (2024)
Form 990-PF (2024)
Page 8
Part IX
Minimum Investment Return (All domestic foundations must complete this part. Foreign foundations, see instructions.)
1
Fair market value of assets not used (or held for use) directly in carrying out charitable, etc.,
purposes:
a
Average monthly fair market value of securities...................
1a
7,071,927
b
Average of monthly cash balances.......................
1b
165,048
c
Fair market value of all other assets (see instructions)................
1c
0
d
Total (add lines 1a, b, and c).........................
1d
7,236,975
e
Reduction claimed for blockage or other factors reported on lines 1a and
1c (attach detailed explanation) .............
1e
0
2
Acquisition indebtedness applicable to line 1 assets..................
2
0
3
Subtract line 2 from line 1d.........................
3
7,236,975
4
Cash deemed held for charitable activities. Enter 1.5% (0.015) of line 3 (for greater amount, see
instructions) .............................
4
108,555
5
Net value of noncharitable-use assets. Subtract line 4 from line 3. ............
5
7,128,420
6
Minimum investment return. Enter 5% (0.05) of line 5................
6
356,421
Part X
Distributable Amount (see instructions) (Section 4942(j)(3) and (j)(5) private operating foundations and certain foreign organizations check here right arrow and do not complete this part.)
1
Minimum investment return from Part IX, line 6..................
1
356,421
2a
Tax on investment income for 2024 from Part V, line 5 .......
2a
2,628
b
Income tax for 2024. (This does not include the tax from Part V.) ...
2b
 
c
Add lines 2a and 2b............................
2c
2,628
3
Distributable amount before adjustments. Subtract line 2c from line 1............
3
353,793
4
Recoveries of amounts treated as qualifying distributions................
4
0
5
Add lines 3 and 4............................
5
353,793
6
Deduction from distributable amount (see instructions).................
6
0
7
Distributable amount as adjusted. Subtract line 6 from line 5. Enter here and on Part XII, line 1 ...
7
353,793
Part XI
Qualifying Distributions (see instructions)
1
Amounts paid (including administrative expenses) to accomplish charitable, etc., purposes:
a
Expenses, contributions, gifts, etc.—total from Part I, column (d), line 26 ..........
1a
429,779
b
Program-related investments—total from Part VIII-B..................
1b
0
2
Amounts paid to acquire assets used (or held for use) directly in carrying out charitable, etc.,
purposes...............................
2
 
3
Amounts set aside for specific charitable projects that satisfy the:
a
Suitability test (prior IRS approval required)....................
3a
 
b
Cash distribution test (attach the required schedule) .................
3b
 
4
Qualifying distributions. Add lines 1a through 3b. Enter here and on Part XII, line 4. .......
4
429,779
Form 990-PF (2024)
Form 990-PF (2024)
Page 9
Part XII
Undistributed Income (see instructions)
(a)
Corpus 		(b)
Years prior to 2023 		(c)
2023 		(d)
2024
1 Distributable amount for 2024 from Part X, line 7 353,793
2 Undistributed income, if any, as of the end of 2024:
a Enter amount for 2023 only....... 20,841
b Total for prior years:20 , 20, 20 0
3 Excess distributions carryover, if any, to 2024:
a From 2019......  
b From 2020......  
c From 2021......  
d From 2022......  
e From 2023......  
f Total of lines 3a through e ........ 0
4Qualifying distributions for 2024 from Part
XI, line 4: right arrow$ 429,779
a Applied to 2023, but not more than line 2a 20,841
b Applied to undistributed income of prior years
(Election required—see instructions)..... 		0
c Treated as distributions out of corpus (Election
required—see instructions)........ 		0
d Applied to 2024 distributable amount..... 353,793
e Remaining amount distributed out of corpus 55,145
5 Excess distributions carryover applied to 2024. 0 0
(If an amount appears in column (d), the
same amount must be shown in column (a).)
6Enter the net total of each column as
indicated below:
a Corpus. Add lines 3f, 4c, and 4e. Subtract line 5 55,145
b Prior years’ undistributed income. Subtract
line 4b from line 2b .......... 		0
c Enter the amount of prior years’ undistributed
income for which a notice of deficiency has
been issued, or on which the section 4942(a)
tax has been previously assessed...... 		0
d Subtract line 6c from line 6b. Taxable amount
—see instructions ........... 		0
e Undistributed income for 2023. Subtract line
4a from line 2a. Taxable amount—see
instructions ............. 		0
f Undistributed income for 2024. Subtract
lines 4d and 5 from line 1. This amount must
be distributed in 2025 .......... 		0
7 Amounts treated as distributions out of
corpus to satisfy requirements imposed by
section 170(b)(1)(F) or 4942(g)(3) (Election may
be required - see instructions) ....... 		32,196
8 Excess distributions carryover from 2019 not
applied on line 5 or line 7 (see instructions) ... 		0
9 Excess distributions carryover to 2025.
Subtract lines 7 and 8 from line 6a ...... 		22,949
10 Analysis of line 9:
a Excess from 2020....  
b Excess from 2021....  
c Excess from 2022....  
d Excess from 2023....  
e Excess from 2024.... 22,949
Form 990-PF (2024)
Form 990-PF (2024)
Page 10
Part XIII
Private Operating Foundations (see instructions and Part VI-A, question 9)
1a If the foundation has received a ruling or determination letter that it is a private operating
foundation, and the ruling is effective for 2024, enter the date of the ruling ...... right arrow
 
b Check box to indicate whether the organization is a private operating foundation described in section or
2a Enter the lesser of the adjusted net
income from Part I or the minimum
investment return from Part IX for each
year listed .......... 		Tax year Prior 3 years (e) Total
(a) 2024 (b) 2023 (c) 2022 (d) 2021
         
b 85% (0.85) of line 2a .........          
c Qualifying distributions from Part XI,
line 4 for each year listed ..... 		         
d Amounts included in line 2c not used directly
for active conduct of exempt activities .......... 		         
e Qualifying distributions made directly
for active conduct of exempt activities.
Subtract line 2d from line 2c .... 		         
3 Complete 3a, b, or c for the
alternative test relied upon:
a “Assets" alternative test—enter:
(1) Value of all assets ......          
(2) Value of assets qualifying
under section 4942(j)(3)(B)(i)		          
b “Endowment" alternative test— enter 2/3
of minimum investment return shown in
Part IX, line 6 for each year listed .. 		         
c “Support" alternative test—enter:
(1) Total support other than gross
investment income (interest,
dividends, rents, payments
on securities loans (section
512(a)(5)), or royalties) .... 		         
(2) Support from general public
and 5 or more exempt
organizations as provided in
section 4942(j)(3)(B)(iii).... 		         
(3) Largest amount of support
from an exempt organization		          
(4) Gross investment income          
Part XIV
Supplementary Information (Complete this part only if the foundation had $5,000 or more in
assets at any time during the year—see instructions.)
1Information Regarding Foundation Managers:
aList any managers of the foundation who have contributed more than 2% of the total contributions received by the foundation
before the close of any tax year (but only if they have contributed more than $5,000). (See section 507(d)(2).)
RICHARD A ZAPPALA
NANCY B ZAPPALA
bList any managers of the foundation who own 10% or more of the stock of a corporation (or an equally large portion of the
ownership of a partnership or other entity) of which the foundation has a 10% or greater interest.
2Information Regarding Contribution, Grant, Gift, Loan, Scholarship, etc., Programs:
Check here right arrow if the foundation only makes contributions to preselected charitable organizations and does not accept
unsolicited requests for funds. If the foundation makes gifts, grants, etc. to individuals or organizations under
other conditions, complete items 2a, b, c, and d. See instructions
aThe name, address, and telephone number or email address of the person to whom applications should be addressed:
bThe form in which applications should be submitted and information and materials they should include:
cAny submission deadlines:
dAny restrictions or limitations on awards, such as by geographical areas, charitable fields, kinds of institutions, or other
factors:
Form 990-PF (2024)
Form 990-PF (2024)
Page 11
Part XIV
Supplementary Information (continued)
3 Grants and Contributions Paid During the Year or Approved for Future Payment
Recipient If recipient is an individual,
show any relationship to
any foundation manager
or substantial contributor
 Foundation
status of
recipient 		Purpose of grant or
contribution 		Amount
Name and address (home or business)
aPaid during the year

ADDICTION RECOVERY MINISTRY CO STFRANCIS OF ASSISI

201 9TH STREET
PITTSBURGH,PA15215 		  501(C)(3) UNRESTRICTED 30,000

AMD3 FOUNDATION

5200 WESTMINSTER PLACE
PITTSBURGH,PA15232 		  501(C)(3) UNRESTRICTED 20,000

BIG BROTHERS & SISTERS OF GREATER PITTSBURGH

5989 CENTRE AVE SUITE 1
PITTSBURGH,PA15206 		  501(C)(3) UNRESTRICTED 5,000

BOYS & GIRLS CLUB OF MARTIN COUNTY

11900 SE FEDERAL HIGHWAY
HOBE SOUND,FL33455 		  501(C)(3) UNRESTRICTED 10,000

PITTSBURGH SYMPHONY ORCHESTRA

600 PENN AVENUE
PITTSBURGH,PA15222 		  501(C)(3) UNRESTRICTED 6,500

CANCER RESEARCH INSTITUTE

29 BROADWAY FLOOR 4
NEW YORK,NY10006 		  501(C)(3) UNRESTRICTED 1,000

CENTER FOR HEARING AND COMMUNICATION

50 BROADWAY 6TH FLOOR
NEW YORK,NY10004 		  501(C)(3) UNRESTRICTED 2,500

CHRIST CHURCH WASHINGTON PARISH

620 G STREET SE
WASHINGTON,DC20003 		  501(C)(3) UNRESTRICTED: $25,000 RESTRICTED:$1,000 ST. PATRICK FUND 26,000

CHRIST THE KING PARISH

309 BRILLIANT AVENUE
ASPINWALL,PA15215 		  501(C)(3) UNRESTRICTED 5,000

CLEVELAND CLINIC MARTIN HEALTH

PO BOX 9010
STUART,FL34995 		  501(C)(3) UNRESTRICTED 11,500

DC FAMILY YOUTH INITIATIVES

853 NEW JERSEY AVE SE SUITE 200
WASHINGTON,DC20003 		  501(C)(3) UNRESTRICTED 5,000

FLORIDA OCEANOGRAPHIC SOCIETY

890 NORTHEAST OCEAN BLVD
STUART,FL34996 		  501(C)(3) UNRESTRICTED 15,000

PITTSBURGH TOMORROW

1140 FOX CHAPEL ROAD
PITTSBURGH,PA15238 		  501(C)(3) UNRESTRICTED 1,000

VOLUNTEERS IN MEDICINE CLINIC

417 SE BALBOA AVENUE
STUART,FL34994 		  501(C)(3) UNRESTRICTED 1,000

FOX FAMILIES CARE

1310 OLD FREEPORT ROAD
PITTSBURGH,PA15238 		  501(C)(3) UNRESTRICTED 2,500

HIBISCUS CHILDRENS CENTER

PO BOX 1406
JENSEN BEACH,FL34957 		  501(C)(3) UNRESTRICTED 5,000

HOUSE OF HOPE

2484 SE BONITA STREET
STUART,FL34997 		  501(C)(3) UNRESTRICTED 5,000

MARY'S SHELTER OF THE TREASURE COAST

1033 E 14TH STREET
STUART,FL34996 		  501(C)(3) UNRESTRICTED 5,000

KANE CENTERCOUNCIL ON AGING OF MARTIN COUNTY

900 SE SALERNO ROAD
STUART,FL34997 		  501(C)(3) UNRESTRICTED 10,000

LA ROCHE UNIVERSITY

9000 BABCOCK BLVD
PITTSBURGH,PA15237 		  501(C)(3) RESTRICTED: $20,000 TO PACEM , $25,000 TO STUDENT CENTER 45,000

MENTORING PARTNERSHIP OF SOUTHWESTERN PA

1901 CENTRE AVE SUITE 206
PITTSBURGH,PA15219 		  501(C)(3) UNRESTRICTED 1,000

MARINE CORPS SCHOLARSHIP FOUNDATION

909 N WASHINGTON STREET SUITE 400
ALEXANDRIA,VA22314 		  501(C)(3) RESTRICTED: FIDELIS FUND 5,000

PITTSBURGH BOTANIC GARDEN

799 PINKERTON RUN ROAD
OAKDALE,PA15071 		  501(C)(3) RESTRICTED: $50,000 TO HORTICULTURE PROJECT 75,500

PITTSBURGH CULTURAL TRUST

803 LIBERTY AVENUE
PITTSBURGH,PA15222 		  501(C)(3) UNRESTRICTED 2,500

PROJECT LIFT

5062 SW SUNSHINE FARMS WAY
PALM CITY,FL34990 		  501(C)(3) UNRESTRICTED 15,000

PROVIDENCE CONNECTIONS

3113 BRIGHTON ROAD
PITTSBURGH,PA15212 		  501(C)(3) UNRESTRICTED 1,000

SAILFISH POINT FOUNDATION

2201 SE SAILFISH POINT BLVD
STUART,FL34996 		  501(C)(3) UNRESTRICTED 1,000

UNIVERSITY OF PITTSBURGH

PO BOX 64
PITTSBURGH,PA152640093 		  501(C)(3) RESTRICTED: PETE SHEPTAK CHAIR 2,000

ST MARGARET'S FOUNDATION

815 FREEPORT ROAD
PITTSBURGH,PA15215 		  501(C)(3) UNRESTRICTED 2,500

ST ANDREWS CATHOLIC CHURCH

2100 SE COVE RD
STUART,FL34997 		  501(C)(3) UNRESTRICTED 15,000

UNITED WAY OF MARTIN COUNTY

10 SE CENTRAL PARKWAY SUITE 101
STUART,FL34994 		  501(C)(3) UNRESTRICTED 15,000

THE LYRIC THEATRE

59 SW FLAGLER AVENUE
STUART,FL34994 		  501(C)(3) UNRESTRICTED 2,500

THE NEIGHBORHOOD ACADEMY

709 N AIKEN AVENUE
PITTSBURGH,PA15206 		  501(C)(3) UNRESTRICTED 5,000

TYKES & TEENS

3577 SW CORPORATE PKWY
PALM CITY,FL34990 		  501(C)(3) UNRESTRICTED 10,000
Total .................................right arrow 3a 365,000
bApproved for future payment
Total ................................. right arrow 3b 0
Form 990-PF (2024)
Form 990-PF (2024)
Page 12
Part XV-A
Analysis of Income-Producing Activities
Enter gross amounts unless otherwise indicated. Unrelated business income Excluded by section 512, 513, or 514 (e)
Related or exempt
function income
(See instructions.)
1Program service revenue: (a)
Business code 		(b)
Amount 		(c)
Exclusion code 		(d)
Amount
a
b
c
d
e
f
gFees and contracts from government agencies          
2 Membership dues and assessments ....          
3 Interest on savings and temporary cash
investments ........... 		         
4 Dividends and interest from securities ....     14 148,800  
5 Net rental income or (loss) from real estate:
aDebt-financed property......          
bNot debt-financed property.....          
6 Net rental income or (loss) from personal property          
7 Other investment income .....          
8 Gain or (loss) from sales of assets other than
inventory ............ 		    18 119,650  
9 Net income or (loss) from special events:          
10 Gross profit or (loss) from sales of inventory          
11 Other revenue:
a
b
c
d
e
12 Subtotal. Add columns (b), (d), and (e) .. 0 268,450 0
13Total. Add line 12, columns (b), (d), and (e)..................
13
268,450
(See worksheet in line 13 instructions to verify calculations.)
Part XV-B
Relationship of Activities to the Accomplishment of Exempt Purposes
Line No.
DownArrow 		Explain below how each activity for which income is reported in column (e) of Part XV-A contributed importantly to
the accomplishment of the foundation’s exempt purposes (other than by providing funds for such purposes). (See
instructions.)
Form 990-PF (2024)
Form 990-PF (2024)
Page 13
Part XVI
Information Regarding Transfers To and Transactions and Relationships With Noncharitable Exempt Organizations
1
Did the organization directly or indirectly engage in any of the following with any other organization described in section 501(c) (other than section 501(c)(3) organizations) or in section 527, relating to political organizations?
Yes
No
a
Transfers from the reporting foundation to a noncharitable exempt organization of:
(1) Cash...................................
1a(1)
 
No
(2) Other assets.................................
1a(2)
 
No
b
Other transactions:
(1) Sales of assets to a noncharitable exempt organization....................
1b(1)
 
No
(2) Purchases of assets from a noncharitable exempt organization..................
1b(2)
 
No
(3) Rental of facilities, equipment, or other assets.......................
1b(3)
 
No
(4) Reimbursement arrangements...........................
1b(4)
 
No
(5) Loans or loan guarantees.............................
1b(5)
 
No
(6) Performance of services or membership or fundraising solicitations................
1b(6)
 
No
c
Sharing of facilities, equipment, mailing lists, other assets, or paid employees..............
1c
 
No
d
If the answer to any of the above is "Yes," complete the following schedule. Column (b) should always show the fair market value
of the goods, other assets, or services given by the reporting foundation. If the foundation received less than fair market value
in any transaction or sharing arrangement, show in column (d) the value of the goods, other assets, or services received.
(a) Line No. (b) Amount involved (c) Name of noncharitable exempt organization (d) Description of transfers, transactions, and sharing arrangements
2a
Is the foundation directly or indirectly affiliated with, or related to, one or more tax-exempt organizations
described in section 501(c) (other than section 501(c)(3)) or in section 527? ...........
b
If "Yes," complete the following schedule.

(a) Name of organization (b) Type of organization (c) Description of relationship
Sign Here
Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct, and complete. Declaration of preparer (other than taxpayer) is based on all information of which preparer has any knowledge.
right arrow right arrow
May the IRS discuss this return
with the preparer shown below?
See instructions.
Signature of officer or trustee Date Title
Paid Preparer Use Only Print/Type preparer's name Preparer's Signature Date Check if self-
employed right arrow		 PTIN
Firm's name Right Arrow
 Firm's EIN Right Arrow
Firm's address Right Arrow


 Phone no.
Form 990-PF (2024)
Additional Data


Software ID:  
Software Version:  


Form 990PF - Special Condition Description:
Special Condition Description
Schedule B
(Form 990)
(Rev. January 2025)
Department of the Treasury
Internal Revenue Service
Schedule of Contributors

right arrow Attach to Form 990, 990-EZ, or 990-PF.
right arrow Go to www.irs.gov/Form990 for the latest information.
OMB No. 1545-0047
Name of the organization
RICHARD A ZAPPALA FAMILY FOUNDATION
 
Employer identification number

23-7876878
Organization type (check one):
Filers of:
Section:
Form 990 or 990-EZ
501(c)( ) (enter number) organization

4947(a)(1) nonexempt charitable trust not treated as a private foundation

527 political organization


Form 990-PF
501(c)(3) exempt private foundation

4947(a)(1) nonexempt charitable trust treated as a private foundation

501(c)(3) taxable private foundation
Check if your organization is covered by the General Rule or a Special Rule.  
Note:  Only a section 501(c)(7), (8), or (10) organization can check boxes for both the General Rule and a Special Rule. See instructions.
General Rule
For an organization filing Form 990, 990-EZ, or 990-PF that received, during the year, contributions totaling $5,000 or more (in money or other property) from any one contributor. Complete Parts I and II. See instructions for determining a contributor's total contributions.
Special Rules
For an organization described in section 501(c)(3) filing Form 990 or 990-EZ that met the 331/3% support test of the regulations
under sections 509(a)(1) and 170(b)(1)(A)(vi), that checked Schedule A (Form 990 or 990-EZ), Part II, line 13, 16a, or 16b, and that received from any one contributor, during the year, total contributions of the greater of (1) $5,000 or (2) 2% of the amount on (i) Form 990, Part VIII, line 1h, or (ii) Form 990-EZ, line 1. Complete Parts I and II.
For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, total contributions of more than $1,000 exclusively for religious, charitable, scientific, literary, or educational purposes, or for the prevention of cruelty to children or animals. Complete Parts I, II, and III.
For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, contributions exclusively for religious, charitable, etc., purposes, but no such contributions totaled more than $1,000. If this box is checked, enter here the total contributions that were received during the year for an exclusively religious, charitable, etc., purpose. Don't complete any of the parts unless the General Rule applies to this organization because it received nonexclusively religious, charitable, etc., contributions totaling $5,000 or more during the year ......... Right Arrow $  
Caution: An organization that isn't covered by the General Rule and/or the Special Rules doesn't file Schedule B (Form 990,
990-EZ, or 990-PF), but it must answer “No” on Part IV, line 2, of its Form 990; or check the box on line H of its Form 990-EZ
or on its Form 990PF, Part I, line 2, to certify that it doesn't meet the filing requirements of Schedule B (Form 990,
990-EZ, or 990-PF).
For Paperwork Reduction Act Notice, see the Instructions
for Form 990, 990-EZ, or 990-PF.
Cat. No. 30613XSchedule B (Form 990) (Rev. 1-2025)
Schedule B (Form 990) (Rev. 1-2025) Page 2
Name of organization
RICHARD A ZAPPALA FAMILY FOUNDATION
  		Employer identification number
23-7876878
Part I
Contributors (see instructions). Use duplicate copies of Part I if additional space is needed.
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
1
RICHARD A ZAPPALA
6800 S EAST HARBOR CIRCLE
 
STUART, FL34996

$ 32,196


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 
 

$  


(Complete Part II for noncash contributions.)
Schedule B (Form 990) (Rev. 1-2025)
Schedule B (Form 990) (Rev. 1-2025)
Page 3
Name of organization
RICHARD A ZAPPALA FAMILY FOUNDATION
  		Employer identification number

23-7876878
Part II
Noncash Property (see instructions). Use duplicate copies of Part II if additional space is needed.
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
Schedule B (Form 990) (Rev. 1-2025)
Schedule B (Form 990) (Rev. 1-2025)
Page 4
Name of organization
RICHARD A ZAPPALA FAMILY FOUNDATION
  		Employer identification number

23-7876878
Part III
Exclusively religious, charitable, etc., contributions to organizations described in section 501(c) (7), (8), or (10) that total more than $1,000 for the year from any one contributor. Complete columns (a) through (e) and the following line entry. For organizations completing Part III, enter the total of exclusively religious, charitable, etc., contributions of $1,000 or less for the year. (Enter this information once. See instructions.) $  
Use duplicate copies of Part III if additional space is needed.
(a)
No. from Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
     
 
(a)
No. from Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
     
 
(a)
No. from Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
     
 
(a)
No. from Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
     
 
Schedule B (Form 990) (Rev. 1-2025)
Additional Data


Software ID:  
Software Version:  

TY 2024 AccountingFeesSchedule
Name:
RICHARD A ZAPPALA FAMILY FOUNDATION
EIN:
23-7876878
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
ACCOUNTING FEES 5,495 2,748   2,748

TY 2024 InvestmentsCorpBondsSchedule
Name:
RICHARD A ZAPPALA FAMILY FOUNDATION
EIN:
23-7876878
Name of Bond End of Year Book Value End of Year Fair Market Value
BRIGHTHOUSE FIN 5.375% 150,000 112,200
PRUDENTIAL 4.125% 100,000 74,120
BANK OF AMERICA CORP 4.125% 125,000 91,550

TY 2024 InvestmentsCorpStockSchedule
Name:
RICHARD A ZAPPALA FAMILY FOUNDATION
EIN:
23-7876878
Name of Stock End of Year Book Value End of Year Fair Market Value
BERKSHIRE HATHAWAY - B 65,079 131,451
JP MORGAN CHASE 27,214 98,281
APPLE INC 67,853 206,346
ALPHABET INC-NON-VOTING 36,094 190,440
BECTON DICKINSON & CO 69,597 88,252
COLGATE-PALMOLIVE CO 18,151 22,728
JOHNSON & JOHNSON 122,621 135,220
L3HARRIS TECHNOLOGIES INC 37,480 37,850
LOWES COMPANIES INC 81,830 217,184
MASTERCARD INC 25,614 144,807
MCDONALDS CORP 55,295 106,970
MICROSOFT CORP 101,993 416,864
PEPSICO INCORPORATED 107,115 128,035
PNC FINANCIAL SERVICES 45,236 94,304
REPUBLIC SERVICES INC 27,142 125,738
THERMO FISHER SCIENTIFIC INC 30,969 114,451
COMCAST CORP 35,307 30,024
CHEVRON CORPORATION 131,430 141,943
LINDE PLC 74,553 171,236
TE CONNECTIVITY LTD 77,676 105,369
TEXAS INSTRUMENTS INC 36,620 66,566
AMAZON COM INC 27,225 65,817
AFLAC INC 34,136 65,064
ABBOTT LABORATORIES 41,412 49,882
ACCENTURE PLC CLASS A 71,596 100,260
AMGEN INC 34,406 45,091
ANALOG DEVICES INC 34,846 62,888
AUTOMATIC DATA PROCESSING 36,529 61,473
BLACKROCK INC 29,215 58,431
CHUBB LTD 33,827 58,852
CISCO SYSTEMS INC 38,578 43,216
EMERSON ELECTRIC CO 20,725 38,170
GENL DYNAMICS CORP 30,094 42,949
ILLINOIS TOOL WORKS INC 34,659 52,740
NEXTERA ENERGY INC 38,916 47,674
NIKE INC CLASS B 51,052 40,256
PAYCHEX INC 31,743 49,638
PHILLIPS 66 38,829 50,129
PROCTER & GAMBLE CO 22,852 31,183
TARGET CORP 23,425 29,199
WALMART INC 13,621 34,604
WEC ENERGY GROUP INC 30,010 31,503
AMERICAN TOWER CORP 24,676 18,341
VISTRA CORP 18,607 130,977
FISERV INC 29,016 52,382
PPG INDUSTRIES INC 20,817 15,648
UNITEDHEALTH GROUP INC 25,582 43,504
APPLIED MATERIALS INC 9,713 17,076
ASML HOLDINGS NV 29,244 32,575
COSTCO 27,756 52,227
GRANGER WW 18,597 41,108
ALLEGION PLC 18,162 21,170
ASPEN TECHNOLOGY INC NEW 21,482 26,960
BENTLEY SYSTEMS INC 27,248 31,289
BERKLEY W R CORPORATION 23,468 29,904
BRIGHT HORIZONS FAMILY 15,193 17,736
CHEMED CORP 16,276 16,954
CHARLES RIVER 24,755 18,091
COOPER COS INC 28,661 30,153
EQUIFAX INC 22,668 26,504
EXPONENT INC 16,573 16,216
FAIR ISAAC INC 5,726 13,937
JACK HENRY & ASSOC INC 24,919 23,841
INTERACTIVE BROKERS GROUP 14,187 37,277
LCI INDUSTRIES 5,918 5,170
LPL FINANCIAL HOLDINGS 24,373 36,896
LENNOX INTERNATIONAL 17,095 38,995
POOL CORP 31,982 28,639
ROLLINS INC 19,858 24,009
SCOTTS MIRACLE-GRO CO 18,572 13,799
SITEONE LANDSCAPE SUPPLY 16,461 15,154
TELEDYNE TECHNOLOGIES INC 18,629 20,886
TERADYNE INC 15,991 19,644
THOR INDUSTRIES 14,693 16,175
WATSCO INC 18,015 29,381
ZEBRA TECHNOLOGIES CORP 25,512 28,967
CHOICE HOTELS INTL INC 20,371 23,427
GOLDMAN SACHS ACCESS ETF 94,528 94,225
MICRON TECHNOLOGY INC 24,934 29,877
QUANTA SVCS INC 25,642 47,408
S&P GLOBAL INC 32,767 43,827
SAIA INC 15,334 20,964
ZURN ELKAY WATER 19,076 25,998
ZOETIS INC 43,357 35,519
UNIVERSAL DISPLAY CORP 21,540 16,813
STARBUCKS CORP 43,206 41,519
OLLIE'S BARGAIN OUTLET 16,154 18,105
NORDSON CORP 25,407 23,016
GE AEROSPACE NEW 25,772 25,019
EXPEDIA INC 38,511 56,831
CNH INDUSTRIAL N V 86,107 81,961
CARLISLE COMPANIES INC 18,283 15,122
CACI INTL INC CLASS A 35,876 35,557
BROADCOM INC 65,035 92,736
BJ'S WHOLESALE CLUB 15,314 18,764
WESCO INTL INC 26,016 31,668

TY 2024 InvestmentsOtherSchedule2
Name:
RICHARD A ZAPPALA FAMILY FOUNDATION
EIN:
23-7876878
Category/ Item Listed at Cost or FMV Book Value End of Year Fair Market Value
NEW PERSPECTIVE FD A AT COST 637,188 604,579
FEDERATED HERMES INSTL PRIME VALUE FUND AT COST 189,700 189,812
LORD ABBOTT INVT TRUST AT COST 352,838 333,084
NEW PERSPECTIVE FD A AT COST 19,162 24,739

TY 2024 OtherProfessionalFeesSchedule
Name:
RICHARD A ZAPPALA FAMILY FOUNDATION
EIN:
23-7876878
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
INVESTMENT FEES 54,471 54,471   0
ANNUAL MEETING 2,249 1,125   1,125
TRAVEL EXPENSE 1,811 906   906


TY 2024 TaxesSchedule
Name:
RICHARD A ZAPPALA FAMILY FOUNDATION
EIN:
23-7876878
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
FOREIGN TAX PAID 145 145   0