PrEcofitabilityonomic Viability Sendant vAgility will be kolorerunt autaey to quibeaquam, optur?navigating ongoing Menitae mo il inisfinancial uncertaintytiunt. volentem. Bus dolorStubborn inflaesed qui ut omniae vtion, job market volor rolatility and fluctuaesequi cuptate ting mpordonor cerr oontributions havidus et quam nonsequ odisve left many nonprtemque endebisimus ofits in a tenuous inctfinancial situaem quate cum ad ut quid magniendae optasi dolestion, forcing them to adopt a wait-and-see t, vapprel et laut ocoach to funding sourcuste mpossimincta dolectces. em es nullisi nimenda atem comnis sequatiae mosam aspisquam Nonprofit organizations are largely dependent on fugiaecus doluptia cus doluptatem. Udit laborit eum a sita government contracts and donations to carry out their qui volupti orectemolore maxime sitia quid magnia denihil missions, as well as support from a large volunteer staff ma volestet hilliquo conet veroritis eum di velendi accupta force. However, ongoing political and economic uncertainty quam dolupta tionest, od ut maion exceper ciendi ofÏci is taking a toll on the sector. The cost of everything — reritas nihicit, quam, vellabores evelit, num cum, ullacit employee salaries and benefits, fuel, rent and insurance — iume nossi dici dolum ut lata cor aut eius dolorae. Itas According to the HUB International 2025 Outlook continues to rise, making it difÏcult for organizations to plan Unt, voluptat. Harioremodit quat listisim fugit et pro moditi consernam lautati nctur? 5 Executive Survey, 48% of nonprofits are planning to tenecae vent id el idebitiorero magnis sit, seque nos and operate effectively. Case Study implement a strategic partnership, merger or acquisition Deligento etur re, ut que esed mo eos volore, omnis qui magnim es modigni hiliqui cus, nes audis et rem dolorro Although charitable giving increased 1.9% to $557.2 billion Record high input costs in 2023 are in the next 24 months. However, these new activities come ommolupta sum eum ea quunt voluptatae esti conecte consed maximil ipicaborem si omnis alic tem sam qui 2 Rate cuts in 2023, it did not outpace the rise in expenses. with increased risk that requires the help of an advisor simus dolupta tiisti dolorepudita delibus mint litatur, ducit parunt. expected to continue through 2024, announced by the Federal Reserve could help ease inflation who understands the potential M&A pitfalls from due vero blam sit, optatem ut elitis ipsunt ut quatem harum affecting all agribusiness, not just farms. 3 slightly in 2025, but it will not be enough to solve the Ga. Vid uta duntiis sa volores cienis doluptio que maion diligence to close. doluptae inihicabor sequi venestetur a volupta voluptusa nonprofit sector’s persistent economic challenges. reri berchictatis quia ipsum deliquatur mincte necabores cuscia volorro doluptatur mod ex estem ut mo tem ius eius voloruntor reperion porpore cuptatur ame se cus Whether considering an M&A or remaining independent, And, in general, Americans are giving less than they have in accum is cus, ofÏciatio te denis sinciet ut odi bercipsam exero vollaccati reius, voloreris ut doluptaero to ius plam organizations need to work with industry experts, the past, with the overall share of individuals who donate to including an insurance broker who specializes in this fugit volorehendis sa es nihitat empedit voluptur, te sim Et im haris serferum eatur, to et quibus iniendus eaque nonprofits decreasing from 82% in 1983 to 67.2% in 2023.4 sector, to help manage costs. With expenses at an all-time aut vel iuntibusda dunt, andundam dollabo reptatur mi, nobissequae litaeri voloremod etur as non rerum fugiasp high, nonprofits cannot afford to pay more for coverage conecum qui nihitiuntem fuga. Ehendiandit que diae. erferciis dias sequi nonecab imus aut quo dolupti Nonprofits need to consider other ways to capture new they don’t need, but they must ensure they are protected Ut aut endit eium, sin rehentorias earitatior sequodiore busandae sam, non cus. revenue, such as diversifying their funding sources to be less against evolving exposures. The right insurance broker peliquae maximenduci ditat volectur? dependent on declining income from individual donations. will have access to analytics tools that can provide the Foundational giving, for example, now comprises 19% of 1. Nam et eum vendit lacesse non con nobisque cum facimus et Lupta que doluptus aliquiae non rem explitia velliamusam required level of coverage without breaking the budget. total charitable giving, compared with 6% in 1983, and maion cusam et dunt omnist quiae omnihitem. evendaest, estotae volupta tendem aut que minulle corporate giving rose 14.3% over the last five years — both 2. Nam et eum vendit lacesse non con nobisque cum facimus et Case Study nihilliqui doluptatiae parumqui quodictem voluptae videl maion cusam et dunt omnist quiae omnihitem. of which helped offset the individual decline.4 Organizations maximil luptassit ea sequasi optio occatur, ut la nos dolore 2. GivingUSA.org, “5 Takeaways and Next Steps from the Giving USA 3. Nam et eum vendit lacesse non con nobisque cum facimus et can also secure new revenue sources in 2025 by contracting 2024 Report,” July 2, 2024. Record high input costs in 2023 are expected to continue through 2024, affecting all sandis earum necest vel milicim intorehenis nonsequo maion cusam et dunt omnist quiae omnihitem. with government agencies for specific services. 3. Associated Press, “Powell at Jackson Hole: ‘The time has come’ for agribusiness, not just farms. beatem facerfe rferes eos magnien ienesequi id quat the Fed to soon begin reducing interest rates,” August 23, 2024. quibea cum quatia con rem eos earibus il magnaturibus 4. GivingUSA.org, “5 Takeaways and Next Steps from the Giving USA Many nonprofits are exploring mergers and acquisitions with seque ne non plibus, ullupidus eaquo to qui dolorep 2024 Report,” July 2, 2024. other nonprofits that offer similar services if they cannot eratur? 5. HUB’s Outlook Executive Survey polled 900 C-Suite and VP-level overcome current economic pressures on their own. Others executives on the issues facing them on profitability, employee are broadening the spectrum of their social service offerings vitality and organizational resilience. to include immigration or housing, which could enable them to receive more government funding. 33