Developing Assets, Empowering Families

The Lubert Individual Development Accounts Program (IDA) helps working individuals build assets through matched savings for post-secondary education, small business expansion or the purchase of a new, first home. Through the Lubert IDA program, we help families establish lifelong financial stability and achieve their dreams.

What does that Impact look like, by the numbers?

In our last cycle alone, 227 participants graduated. Of those individuals, 81 purchased their first home and 146 continued their education.

Program Requirements


  • The Lubert IDA homeownership program has leveraged more than $8 million in mortgages, increasing the net worth of participants.
  • 19% of homeownership graduates live below the federal poverty guideline, with more than half living between 100%-200% of the federal poverty line.
  • More than $312,000 were matched, saving clients $156,000.



  • Every student matched saved approximately $20,000. More than 80% of graduates were pursuing their bachelor’s degree or a certification when they received their match, and LPN certifications encompassed 93% of certifications pursued.
  • 31% of educational graduates live below the federal poverty guideline, with about half living between 100%-200% of the federal poverty line.
  • Nearly $540,000 were matched, saving clients more than $134,900. 

Small Business IDA Program

Program Requirements

  • Live in Philadelphia, Montgomery or Delaware counties in Pennsylvania or Atlantic, Burlington, Camden, Cape May or Cumberland counties in New Jersey.
  • Have a net worth of less than $10,000.
  • Have proof (pay stubs and tax returns) of earned income.
  • Qualify for the Earned Income Tax Credit or have a household income at or below 350% of the Federal Poverty Level
  • Be an equal or majority owner in an existing small business
  • Have direct unconditional ownership of small business
  • Small business must be a limited liability company (LLC) or incorporated in the state of Pennsylvania or New Jersey

IDA Participants must be enrolled for at least 6 months, complete financial literacy and business education requirements and make minimum deposits before receiving a match*
* IDA funds may only be used to purchase equipment, hard assets and other productive business-related purchases that are exclusively related to projected growth in revenues.


Lubert IDA Homeownership Graduate

“Being an IDA graduate means my children will grow up in a place where they can thrive. It wasn’t always easy, but thanks to United Way and Mr. Ira Lubert’s support of the IDA program, my family has a safe place to call home.” – Ricknel



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