The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CL A Equities 02079K305   223,942 1,183 SH   SOLE   1,183 0 0
AMAZON.COM INC Equities 023135106   387,443 1,766 SH   SOLE   1,766 0 0
APPLE INC Equities 037833100   1,753,441 7,002 SH   SOLE   7,002 0 0
ARROW FINANCIAL CORPORATION Equities 042744102   851,223 29,649 SH   SOLE   29,649 0 0
CHESAPEAKE UTILITIES CORP Equities 165303108   300,948 2,480 SH   SOLE   2,480 0 0
META PLATFORMS INC CL A Equities 30303M102   218,395 373 SH   SOLE   373 0 0
HOME DEPOT INC Equities 437076102   229,115 589 SH   SOLE   589 0 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   6,235,472 12,197 SH   SOLE   12,197 0 0
ISHARES CORE S&P MID-CAP ETF Equities 464287507   4,146,294 66,543 SH   SOLE   66,543 0 0
ISHARES CORE S&P SMALL-CAP ETF Equities 464287804   3,475,381 30,163 SH   SOLE   30,163 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF Equities 464288653   600,923 6,037 SH   SOLE   6,037 0 0
ISHARES IBONDS DEC 2025 TERM CORP Equities 46434VBD1   1,213,998 48,463 SH   SOLE   48,463 0 0
ISHARES CORE MSCI DEV MKTS ETF Equities 46435G326   1,846,937 28,648 SH   SOLE   28,648 0 0
ISHARES IBONDS DEC 2026 TERM CORP Equities 46435GAA0   1,242,951 51,639 SH   SOLE   51,639 0 0
ISHARES IBONDS 2025 H/Y INC ETF Equities 46435U168   2,740,106 118,108 SH   SOLE   118,108 0 0
ISHARES IBONDS DEC 2028 TERM CORP Equities 46435U515   1,368,653 54,966 SH   SOLE   54,966 0 0
ISHARES IBONDS DEC 2027 TERM CORP Equities 46435UAA9   1,271,246 53,057 SH   SOLE   53,057 0 0
ISHARES IBONDS DEC 2033 CORP Equities 46436E130   1,387,729 55,288 SH   SOLE   55,288 0 0
ISHARES IBONDS DEC 2029 TERM CORP Equities 46436E205   1,254,798 55,035 SH   SOLE   55,035 0 0
ISHARES IBONDS DEC 2032 TC ETF Equities 46436E312   1,437,463 58,481 SH   SOLE   58,481 0 0
ISHARES IBONDS DEC 2031 TERM CORP Equities 46436E486   1,209,360 59,428 SH   SOLE   59,428 0 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INC Equities 46436E528   268,285 11,589 SH   SOLE   11,589 0 0
ISHARES IBONDS DEC 2030 TERM CORP Equities 46436E726   1,241,251 58,111 SH   SOLE   58,111 0 0
JP MORGAN CHASE & CO Equities 46625H100   239,231 998 SH   SOLE   998 0 0
MERCK & CO INC Equities 58933Y105   319,928 3,216 SH   SOLE   3,216 0 0
MICROSOFT CORP Equities 594918104   576,612 1,368 SH   SOLE   1,368 0 0
NVIDIA CORP Equities 67066G104   506,273 3,770 SH   SOLE   3,770 0 0
ORACLE CORPORATION Equities 68389X105   264,124 1,585 SH   SOLE   1,585 0 0
SPDR S&P 500 ETF TRUST Equities 78462F103   232,088 396 SH   SOLE   396 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF Equities 78464A508   3,215,428 62,875 SH   SOLE   62,875 0 0
SPDR S&P HOMEBUILDERS ETF Equities 78464A888   529,606 5,068 SH   SOLE   5,068 0 0
SALESFORCE INC Equities 79466L302   200,598 600 SH   SOLE   600 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND Equities 81369Y803   232,520 1,000 SH   SOLE   1,000 0 0
REAL ESTATE SELECT SECTOR SPDR FUND Equities 81369Y860   283,348 6,967 SH   SOLE   6,967 0 0
VANGUARD SHORT TERM CORP BOND ETF Equities 92206C409   383,653 4,918 SH   SOLE   4,918 0 0
VANGUARD S&P 500 ETF Equities 922908363   10,490,092 19,469 SH   SOLE   19,469 0 0
VANGUARD MID-CAP ETF Equities 922908629   955,358 3,617 SH   SOLE   3,617 0 0
VANGUARD SMALL-CAP ETF Equities 922908751   500,984 2,085 SH   SOLE   2,085 0 0
VERIZON COMMUNICATIONS Equities 92343V104   228,143 5,705 SH   SOLE   5,705 0 0
VISA INC CL A Equities 92826C839   228,813 724 SH   SOLE   724 0 0
AT&T INC Equities 00206R102   51,574 2,265 SH   SOLE   2,265 0 0
NUVEEN ESG SMALL-CAP ETF Equities 67092P607   58,635 1,400 SH   SOLE   1,400 0 0
SHERWIN WILLIAMS CO Equities 824348106   8,498 25 SH   SOLE   25 0 0
THE HERSHEY COMPANY Equities 427866108   109,231 645 SH   SOLE   645 0 0
ABBOTT LABS Equities 002824100   89,583 792 SH   SOLE   792 0 0
ABBVIE INC Equities 00287Y109   11,373 64 SH   SOLE   64 0 0
ADOBE INC Equities 00724F101   96,496 217 SH   SOLE   217 0 0
ALPHABET INC CL C Equities 02079K107   131,404 690 SH   SOLE   690 0 0
ALTRIA GROUP INC Equities 02209S103   18,040 345 SH   SOLE   345 0 0
AMERICAN EXPRESS CO Equities 025816109   46,893 158 SH   SOLE   158 0 0
AMERICAN WATER WORKS CO INC Equities 030420103   30,376 244 SH   SOLE   244 0 0
AMGEN INC Equities 031162100   72,197 277 SH   SOLE   277 0 0
AMPHENOL CORP CL A Equities 032095101   156,332 2,251 SH   SOLE   2,251 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   16,100 55 SH   SOLE   55 0 0
BANK OF AMERICA CORP Equities 060505104   115,764 2,634 SH   SOLE   2,634 0 0
BERKSHIRE HATHAWAY INC-CL B Equities 084670702   164,994 364 SH   SOLE   364 0 0
BLACKROCK INC Equities 09290D101   140,440 137 SH   SOLE   137 0 0
BRISTOL MYERS SQUIBB CO Equities 110122108   41,006 725 SH   SOLE   725 0 0
CATERPILLAR INC Equities 149123101   90,327 249 SH   SOLE   249 0 0
CHEVRON CORPORATION Equities 166764100   47,652 329 SH   SOLE   329 0 0
CISCO SYSTEMS INC Equities 17275R102   116,210 1,963 SH   SOLE   1,963 0 0
COCA COLA CO Equities 191216100   126,077 2,025 SH   SOLE   2,025 0 0
COLGATE PALMOLIVE CO Equities 194162103   21,909 241 SH   SOLE   241 0 0
COMM. SERV. SELECT SECTOR SPDR FUND Equities 81369Y852   67,767 700 SH   SOLE   700 0 0
CONOCOPHILLIPS Equities 20825C104   54,246 547 SH   SOLE   547 0 0
CONS DISC SELECT SECTOR SPDR FUND Equities 81369Y407   112,175 500 SH   SOLE   500 0 0
CONS STAPLES SELECT SECT SPDR FUND Equities 81369Y308   36,947 470 SH   SOLE   470 0 0
CONSTELLATION BRANDS INC CL A Equities 21036P108   20,995 95 SH   SOLE   95 0 0
COSTCO WHOLESALE CORP Equities 22160K105   175,924 192 SH   SOLE   192 0 0
CUMMINS INC Equities 231021106   60,308 173 SH   SOLE   173 0 0
DANAHER CORP Equities 235851102   80,572 351 SH   SOLE   351 0 0
DISNEY WALT CO NEW Equities 254687106   115,247 1,035 SH   SOLE   1,035 0 0
DOMINION ENERGY INC Equities 25746U109   9,803 182 SH   SOLE   182 0 0
EASTMAN CHEMICAL CO Equities 277432100   23,561 258 SH   SOLE   258 0 0
ECOLAB INC Equities 278865100   7,030 30 SH   SOLE   30 0 0
ENERGY SELECT SECTOR SPDR FUND Equities 81369Y506   29,467 344 SH   SOLE   344 0 0
EXXON MOBIL CORP Equities 30231G102   145,972 1,357 SH   SOLE   1,357 0 0
GE AEROSPACE Equities 369604301   83,395 500 SH   SOLE   500 0 0
GE VERNOVA LLC Equities 36828A101   41,116 125 SH   SOLE   125 0 0
GENERAL DYNAMICS CORP Equities 369550108   68,244 259 SH   SOLE   259 0 0
HEALTH CARE SELECT SECTOR SPDR FUND Equities 81369Y209   130,692 950 SH   SOLE   950 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106   111,138 492 SH   SOLE   492 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND Equities 81369Y704   86,962 660 SH   SOLE   660 0 0
INGERSOLL-RAND INC Equities 45687V106   68,750 760 SH   SOLE   760 0 0
INTERCONTINENTAL EXCHANGE GROUP, INC Equities 45866F104   118,612 796 SH   SOLE   796 0 0
INTL. BUSINESS MACHINES CORP Equities 459200101   45,065 205 SH   SOLE   205 0 0
ISHARES 1-5Y INV GRADE CORP ETF Equities 464288646   28,952 560 SH   SOLE   560 0 0
ISHARES BARCLAYS 1-3 YEAR TR ETF Equities 464287457   19,839 242 SH   SOLE   242 0 0
ISHARES IBONDS DEC 2034 TM CORP Equities 46438G653   158,910 6,244 SH   SOLE   6,244 0 0
ISHARES RUSSELL MIDCAP ETF Equities 464287499   156,998 1,776 SH   SOLE   1,776 0 0
JOHNSON & JOHNSON Equities 478160104   106,296 735 SH   SOLE   735 0 0
LENNAR CORP CL A Equities 526057104   45,138 331 SH   SOLE   331 0 0
LILLY ELI & CO Equities 532457108   122,748 159 SH   SOLE   159 0 0
LOWES COS INC Equities 548661107   27,148 110 SH   SOLE   110 0 0
LYONDELLBASELL INDUSTRIES NV Equities N53745100   12,849 173 SH   SOLE   173 0 0
MARVELL TECHNOLOGY INC Equities 573874104   100,510 910 SH   SOLE   910 0 0
MASCO CORP Equities 574599106   78,303 1,079 SH   SOLE   1,079 0 0
MASTERCARD INC CL A Equities 57636Q104   83,198 158 SH   SOLE   158 0 0
MATERIALS SELECT SECTOR SPDR FUND Equities 81369Y100   71,351 848 SH   SOLE   848 0 0
MCDONALDS CORP Equities 580135101   107,549 371 SH   SOLE   371 0 0
MORGAN STANLEY Equities 617446448   45,133 359 SH   SOLE   359 0 0
NETFLIX INC Equities 64110L106   175,590 197 SH   SOLE   197 0 0
NEXTERA ENERGY INC Equities 65339F101   36,562 510 SH   SOLE   510 0 0
PALO ALTO NETWORKS INC Equities 697435105   68,053 374 SH   SOLE   374 0 0
PAYCHEX INC Equities 704326107   17,528 125 SH   SOLE   125 0 0
PAYPAL HOLDINGS INC Equities 70450Y103   23,898 280 SH   SOLE   280 0 0
PEPSICO INC Equities 713448108   35,886 236 SH   SOLE   236 0 0
PFIZER INC Equities 717081103   6,633 250 SH   SOLE   250 0 0
PIMCO ENHANCED SHORT MATURITY ETF Equities 72201R833   196,165 1,955 SH   SOLE   1,955 0 0
PROCTER & GAMBLE CO Equities 742718109   119,534 713 SH   SOLE   713 0 0
QUANTA SERVICES INC Equities 74762E102   33,817 107 SH   SOLE   107 0 0
RTX CORPORATION Equities 75513E101   27,773 240 SH   SOLE   240 0 0
SNOWFLAKE INC CL A Equities 833445109   31,963 207 SH   SOLE   207 0 0
SPDR GOLD TRUST Equities 78463V107   97,578 403 SH   SOLE   403 0 0
STARBUCKS CORP Equities 855244109   12,136 133 SH   SOLE   133 0 0
STRYKER CORPORATION Equities 863667101   136,819 380 SH   SOLE   380 0 0
SYSCO CORP Equities 871829107   20,644 270 SH   SOLE   270 0 0
T ROWE PRICE GROUP INC Equities 74144T108   19,678 174 SH   SOLE   174 0 0
TERADYNE INC Equities 880770102   60,693 482 SH   SOLE   482 0 0
TESLA INC Equities 88160R101   56,941 141 SH   SOLE   141 0 0
TEXAS INSTRUMENTS INC Equities 882508104   9,376 50 SH   SOLE   50 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102   95,722 184 SH   SOLE   184 0 0
TJX COS INC Equities 872540109   126,005 1,043 SH   SOLE   1,043 0 0
T-MOBILE US INC Equities 872590104   84,540 383 SH   SOLE   383 0 0
TRAVELERS COMPANIES INC Equities 89417E109   83,589 347 SH   SOLE   347 0 0
UNION PAC CORP Equities 907818108   93,496 410 SH   SOLE   410 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   95,102 188 SH   SOLE   188 0 0
UTILITIES SELECT SECTOR SPDR FUND Equities 81369Y886   69,938 924 SH   SOLE   924 0 0
VANGUARD TOTAL BOND MARKET ETF Equities 921937835   29,124 405 SH   SOLE   405 0 0
VERTEX PHARMACEUTICALS INC Equities 92532F100   48,324 120 SH   SOLE   120 0 0
WALMART INC Equities 931142103   112,034 1,240 SH   SOLE   1,240 0 0
WELLS FARGO & CO Equities 949746101   19,176 273 SH   SOLE   273 0 0
WILLIAMS COS INC Equities 969457100   137,302 2,537 SH   SOLE   2,537 0 0
YUM BRANDS INC Equities 988498101   52,322 390 SH   SOLE   390 0 0
GOLDMAN SACHS GROUP INC Equities 38141G104   45,810 80 SH   SOLE   80 0 0
ISHARES CORE U.S. AGGREGATE Equities 464287226   26,648 275 SH   SOLE   275 0 0
ABBOTT LABS Equities 002824100   1,470,430 13,000 SH   DFND 3 13,000 0 0
ADOBE INC Equities 00724F101   1,956,592 4,400 SH   DFND 3 4,400 0 0
AIR PRODUCTS & CHEMICALS INC Equities 009158106   783,108 2,700 SH   DFND 3 2,700 0 0
ALPHABET INC CL A Equities 02079K305   5,262,540 27,800 SH   DFND 3 27,800 0 0
AMAZON.COM INC Equities 023135106   5,550,567 25,300 SH   DFND 3 25,300 0 0
AMERICAN TOWER CORP REIT Equities 03027X100   431,014 2,350 SH   DFND 3 2,350 0 0
AMERICAN WATER WORKS CO INC Equities 030420103   373,470 3,000 SH   DFND 3 3,000 0 0
AMGEN INC Equities 031162100   1,225,008 4,700 SH   DFND 3 4,700 0 0
AMPHENOL CORP CL A Equities 032095101   1,805,700 26,000 SH   DFND 3 26,000 0 0
APPLE INC Equities 037833100   10,066,884 40,200 SH   DFND 3 40,200 0 0
BANK OF AMERICA CORP Equities 060505104   2,439,225 55,500 SH   DFND 3 55,500 0 0
BERKSHIRE HATHAWAY INC-CL B Equities 084670702   2,311,728 5,100 SH   DFND 3 5,100 0 0
BLACKROCK INC Equities 09290D101   2,255,242 2,200 SH   DFND 3 2,200 0 0
CAPITAL ONE FINANCIAL CORP Equities 14040H105   1,212,576 6,800 SH   DFND 3 6,800 0 0
CATERPILLAR INC Equities 149123101   2,285,388 6,300 SH   DFND 3 6,300 0 0
CHEVRON CORPORATION Equities 166764100   955,944 6,600 SH   DFND 3 6,600 0 0
COSTCO WHOLESALE CORP Equities 22160K105   1,282,778 1,400 SH   DFND 3 1,400 0 0
DANAHER CORP Equities 235851102   872,290 3,800 SH   DFND 3 3,800 0 0
DIGITAL REALTY TRUST INC REIT Equities 253868103   2,181,159 12,300 SH   DFND 3 12,300 0 0
DISNEY WALT CO NEW Equities 254687106   701,505 6,300 SH   DFND 3 6,300 0 0
ECOLAB INC Equities 278865100   351,480 1,500 SH   DFND 3 1,500 0 0
EXXON MOBIL CORP Equities 30231G102   882,074 8,200 SH   DFND 3 8,200 0 0
META PLATFORMS INC CL A Equities 30303M102   3,220,305 5,500 SH   DFND 3 5,500 0 0
GOLDMAN SACHS GROUP INC Equities 38141G104   1,488,812 2,600 SH   DFND 3 2,600 0 0
THE HERSHEY COMPANY Equities 427866108   440,310 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC Equities 437076102   3,034,122 7,800 SH   DFND 3 7,800 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106   2,033,010 9,000 SH   DFND 3 9,000 0 0
INGERSOLL-RAND INC Equities 45687V106   1,293,578 14,300 SH   DFND 3 14,300 0 0
INTERCONTINENTAL EXCHANGE GROUP, INC Equities 45866F104   1,691,264 11,350 SH   DFND 3 11,350 0 0
JP MORGAN CHASE & CO Equities 46625H100   2,996,375 12,500 SH   DFND 3 12,500 0 0
JOHNSON & JOHNSON Equities 478160104   1,373,890 9,500 SH   DFND 3 9,500 0 0
LENNAR CORP CL A Equities 526057104   450,021 3,300 SH   DFND 3 3,300 0 0
LILLY ELI & CO Equities 532457108   2,624,800 3,400 SH   DFND 3 3,400 0 0
MARVELL TECHNOLOGY INC Equities 573874104   2,209,000 20,000 SH   DFND 3 20,000 0 0
MASCO CORP Equities 574599106   1,995,675 27,500 SH   DFND 3 27,500 0 0
MCDONALDS CORP Equities 580135101   753,714 2,600 SH   DFND 3 2,600 0 0
MICROSOFT CORP Equities 594918104   8,577,525 20,350 SH   DFND 3 20,350 0 0
MORGAN STANLEY Equities 617446448   1,420,636 11,300 SH   DFND 3 11,300 0 0
NETFLIX INC Equities 64110L106   1,515,244 1,700 SH   DFND 3 1,700 0 0
NEXTERA ENERGY INC Equities 65339F101   394,295 5,500 SH   DFND 3 5,500 0 0
NVIDIA CORP Equities 67066G104   10,340,330 77,000 SH   DFND 3 77,000 0 0
ORACLE CORPORATION Equities 68389X105   1,833,040 11,000 SH   DFND 3 11,000 0 0
PALO ALTO NETWORKS INC Equities 697435105   291,136 1,600 SH   DFND 3 1,600 0 0
PEPSICO INC Equities 713448108   1,064,420 7,000 SH   DFND 3 7,000 0 0
PROCTER & GAMBLE CO Equities 742718109   2,032,756 12,125 SH   DFND 3 12,125 0 0
PUBLIC STORAGE INC REIT Equities 74460D109   568,936 1,900 SH   DFND 3 1,900 0 0
SALESFORCE INC Equities 79466L302   3,309,867 9,900 SH   DFND 3 9,900 0 0
SHERWIN WILLIAMS CO Equities 824348106   730,850 2,150 SH   DFND 3 2,150 0 0
SOUTHERN COMPANY Equities 842587107   753,228 9,150 SH   DFND 3 9,150 0 0
STRYKER CORPORATION Equities 863667101   1,548,215 4,300 SH   DFND 3 4,300 0 0
SYSCO CORP Equities 871829107   573,450 7,500 SH   DFND 3 7,500 0 0
TJX COS INC Equities 872540109   1,280,586 10,600 SH   DFND 3 10,600 0 0
TERADYNE INC Equities 880770102   629,600 5,000 SH   DFND 3 5,000 0 0
TESLA INC Equities 88160R101   1,696,128 4,200 SH   DFND 3 4,200 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102   1,612,713 3,100 SH   DFND 3 3,100 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   1,618,752 3,200 SH   DFND 3 3,200 0 0
VERTEX PHARMACEUTICALS INC Equities 92532F100   885,940 2,200 SH   DFND 3 2,200 0 0
VISA INC CL A Equities 92826C839   1,801,428 5,700 SH   DFND 3 5,700 0 0
VULCAN MATERIALS CO Equities 929160109   282,953 1,100 SH   DFND 3 1,100 0 0
WALMART INC Equities 931142103   2,547,870 28,200 SH   DFND 3 28,200 0 0
WASTE MANAGEMENT INC Equities 94106L109   1,614,320 8,000 SH   DFND 3 8,000 0 0
WILLIAMS COS INC Equities 969457100   1,861,728 34,400 SH   DFND 3 34,400 0 0
3M CO Equities 88579Y101   229,780 1,780 SH   DFND 2 1,780 0 0
ABBOTT LABS Equities 002824100   2,087,671 18,457 SH   DFND 2 18,457 0 0
ABBVIE INC Equities 00287Y109   819,730 4,613 SH   DFND 2 4,613 0 0
ADOBE INC Equities 00724F101   2,606,269 5,861 SH   DFND 2 5,861 0 0
ALPHABET INC CL A Equities 02079K305   9,766,366 51,592 SH   DFND 2 51,592 0 0
ALPHABET INC CL C Equities 02079K107   2,031,233 10,666 SH   DFND 2 10,666 0 0
ALTRIA GROUP INC Equities 02209S103   243,149 4,650 SH   DFND 2 4,650 0 0
AMAZON.COM INC Equities 023135106   7,901,989 36,018 SH   DFND 2 36,018 0 0
AMERICAN EXPRESS CO Equities 025816109   457,057 1,540 SH   DFND 2 1,540 0 0
AMERICAN WATER WORKS CO INC Equities 030420103   796,363 6,397 SH   DFND 2 6,397 0 0
AMGEN INC Equities 031162100   2,684,331 10,299 SH   DFND 2 10,299 0 0
AMPHENOL CORP CL A Equities 032095101   3,168,309 45,620 SH   DFND 2 45,620 0 0
APPLE INC Equities 037833100   15,351,748 61,304 SH   DFND 2 61,304 0 0
APPLIED MATERIALS INC Equities 038222105   274,032 1,685 SH   DFND 2 1,685 0 0
ARROW FINANCIAL CORPORATION Equities 042744102   53,349,755 1,858,229 SH   DFND 2 1,858,229 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   138,169 472 SH   DFND 2 472 0 0
BANK OF AMERICA CORP Equities 060505104   2,631,067 59,865 SH   DFND 2 59,865 0 0
BERKSHIRE HATHAWAY INC-CL B Equities 084670702   3,648,904 8,050 SH   DFND 2 8,050 0 0
BLACKROCK INC Equities 09290D101   3,326,482 3,245 SH   DFND 2 3,245 0 0
BRISTOL MYERS SQUIBB CO Equities 110122108   305,876 5,408 SH   DFND 2 5,408 0 0
CARRIER GLOBAL CORP Equities 14448C104   46,076 675 SH   DFND 2 675 0 0
CATERPILLAR INC Equities 149123101   2,225,533 6,135 SH   DFND 2 6,135 0 0
CHEVRON CORPORATION Equities 166764100   875,992 6,048 SH   DFND 2 6,048 0 0
CISCO SYSTEMS INC Equities 17275R102   3,040,749 51,364 SH   DFND 2 51,364 0 0
COCA COLA CO Equities 191216100   1,779,266 28,578 SH   DFND 2 28,578 0 0
COLGATE PALMOLIVE CO Equities 194162103   181,911 2,001 SH   DFND 2 2,001 0 0
COMM. SERV. SELECT SECTOR SPDR FUND Equities 81369Y852   21,298 220 SH   DFND 2 220 0 0
CONOCOPHILLIPS Equities 20825C104   1,364,282 13,757 SH   DFND 2 13,757 0 0
CONS DISC SELECT SECTOR SPDR FUND Equities 81369Y407   115,540 515 SH   DFND 2 515 0 0
CONS STAPLES SELECT SECT SPDR FUND Equities 81369Y308   29,164 371 SH   DFND 2 371 0 0
CONSTELLATION BRANDS INC CL A Equities 21036P108   98,566 446 SH   DFND 2 446 0 0
COSTCO WHOLESALE CORP Equities 22160K105   3,159,299 3,448 SH   DFND 2 3,448 0 0
CUMMINS INC Equities 231021106   1,583,690 4,543 SH   DFND 2 4,543 0 0
DANAHER CORP Equities 235851102   1,737,005 7,567 SH   DFND 2 7,567 0 0
DISNEY WALT CO NEW Equities 254687106   2,450,702 22,009 SH   DFND 2 22,009 0 0
DOLLAR TREE INC Equities 256746108   252,997 3,376 SH   DFND 2 3,376 0 0
DOMINION ENERGY INC Equities 25746U109   799,875 14,851 SH   DFND 2 14,851 0 0
EASTMAN CHEMICAL CO Equities 277432100   722,980 7,917 SH   DFND 2 7,917 0 0
EATON CORP PLC Equities G29183103   43,143 130 SH   DFND 2 130 0 0
ECOLAB INC Equities 278865100   464,657 1,983 SH   DFND 2 1,983 0 0
EMERSON ELEC CO Equities 291011104   176,105 1,421 SH   DFND 2 1,421 0 0
ENERGY SELECT SECTOR SPDR FUND Equities 81369Y506   168,579 1,968 SH   DFND 2 1,968 0 0
EXXON MOBIL CORP Equities 30231G102   2,561,349 23,811 SH   DFND 2 23,811 0 0
FINANCIAL SELECT SECTOR SPDR FUND Equities 81369Y605   525,395 10,871 SH   DFND 2 10,871 0 0
FISERV INC Equities 337738108   462,195 2,250 SH   DFND 2 2,250 0 0
FORD MOTOR CO DEL Equities 345370860   103,950 10,500 SH   DFND 2 10,500 0 0
GE AEROSPACE Equities 369604301   447,664 2,684 SH   DFND 2 2,684 0 0
GE VERNOVA LLC Equities 36828A101   222,686 677 SH   DFND 2 677 0 0
GENERAL DYNAMICS CORP Equities 369550108   1,623,362 6,161 SH   DFND 2 6,161 0 0
HEALTH CARE SELECT SECTOR SPDR FUND Equities 81369Y209   330,993 2,406 SH   DFND 2 2,406 0 0
HOME DEPOT INC Equities 437076102   4,530,567 11,647 SH   DFND 2 11,647 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106   2,141,211 9,479 SH   DFND 2 9,479 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND Equities 81369Y704   341,258 2,590 SH   DFND 2 2,590 0 0
INGERSOLL-RAND INC Equities 45687V106   1,502,812 16,613 SH   DFND 2 16,613 0 0
INTERCONTINENTAL EXCHANGE GROUP, INC Equities 45866F104   2,707,065 18,167 SH   DFND 2 18,167 0 0
INTL. BUSINESS MACHINES CORP Equities 459200101   295,012 1,342 SH   DFND 2 1,342 0 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   73,487,779 143,747 SH   DFND 2 143,747 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF Equities 464288653   7,082,470 71,152 SH   DFND 2 71,152 0 0
ISHARES 1-5Y INV GRADE CORP ETF Equities 464288646   235,080 4,547 SH   DFND 2 4,547 0 0
ISHARES BARCLAYS 1-3 YEAR TR ETF Equities 464287457   121,658 1,484 SH   DFND 2 1,484 0 0
ISHARES CORE MSCI DEV MKTS ETF Equities 46435G326   26,751,633 414,947 SH   DFND 2 414,947 0 0
ISHARES CORE S&P MID-CAP ETF Equities 464287507   49,462,800 793,819 SH   DFND 2 793,819 0 0
ISHARES CORE S&P SMALL-CAP ETF Equities 464287804   39,745,721 344,957 SH   DFND 2 344,957 0 0
ISHARES CORE U.S. AGGREGATE Equities 464287226   6,488,521 66,961 SH   DFND 2 66,961 0 0
ISHARES ESG AWARE 1-5 YEAR USD ETF Equities 46435G243   606,262 24,545 SH   DFND 2 24,545 0 0
ISHARES IBONDS 2025 H/Y INC ETF Equities 46435U168   30,658,081 1,321,469 SH   DFND 2 1,321,469 0 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INC Equities 46436E528   1,455,464 62,871 SH   DFND 2 62,871 0 0
ISHARES IBONDS DEC 2025 MUNI ETF Mutual Funds 46435U432   239,695 9,006 SH   DFND 2 9,006 0 0
ISHARES IBONDS DEC 2025 TERM CORP Equities 46434VBD1   12,366,484 493,672 SH   DFND 2 493,672 0 0
ISHARES IBONDS DEC 2026 MUNI ETF Equities 46435U259   240,622 9,451 SH   DFND 2 9,451 0 0
ISHARES IBONDS DEC 2026 TERM CORP Equities 46435GAA0   12,563,938 521,975 SH   DFND 2 521,975 0 0
ISHARES IBONDS DEC 2027 MUNI ETF Mutual Funds 46435U283   239,257 9,517 SH   DFND 2 9,517 0 0
ISHARES IBONDS DEC 2027 TERM CORP Equities 46435UAA9   12,293,229 513,073 SH   DFND 2 513,073 0 0
ISHARES IBONDS DEC 2028 TERM CORP Equities 46435U515   12,395,992 497,831 SH   DFND 2 497,831 0 0
ISHARES IBONDS DEC 2028 TERM MUNI Equities 46435U325   237,901 9,448 SH   DFND 2 9,448 0 0
ISHARES IBONDS DEC 2029 TERM CORP Equities 46436E205   12,505,549 548,489 SH   DFND 2 548,489 0 0
ISHARES IBONDS DEC 2030 TERM CORP Equities 46436E726   12,632,560 591,412 SH   DFND 2 591,412 0 0
ISHARES IBONDS DEC 2031 TERM CORP Equities 46436E486   12,655,400 621,887 SH   DFND 2 621,887 0 0
ISHARES IBONDS DEC 2032 TC ETF Equities 46436E312   12,881,665 524,071 SH   DFND 2 524,071 0 0
ISHARES IBONDS DEC 2033 CORP Equities 46436E130   12,560,140 500,404 SH   DFND 2 500,404 0 0
ISHARES IBONDS DEC 2034 TM CORP Equities 46438G653   1,244,989 48,919 SH   DFND 2 48,919 0 0
ISHARES NATIONAL MUNI BOND ETF Mutual Funds 464288414   1,250,151 11,733 SH   DFND 2 11,733 0 0
ISHARES NEW YORK MUNI BOND ETF Mutual Funds 464288323   4,804,861 90,283 SH   DFND 2 90,283 0 0
ISHARES RUSSELL MIDCAP ETF Equities 464287499   211,276 2,390 SH   DFND 2 2,390 0 0
JOHNSON & JOHNSON Equities 478160104   2,159,321 14,931 SH   DFND 2 14,931 0 0
JP MORGAN CHASE & CO Equities 46625H100   4,818,890 20,103 SH   DFND 2 20,103 0 0
LENNAR CORP CL A Equities 526057104   1,017,184 7,459 SH   DFND 2 7,459 0 0
LILLY ELI & CO Equities 532457108   2,776,112 3,596 SH   DFND 2 3,596 0 0
LOWES COS INC Equities 548661107   1,031,377 4,179 SH   DFND 2 4,179 0 0
LYONDELLBASELL INDUSTRIES NV Equities N53745100   691,751 9,314 SH   DFND 2 9,314 0 0
MARVELL TECHNOLOGY INC Equities 573874104   1,766,427 15,993 SH   DFND 2 15,993 0 0
MASCO CORP Equities 574599106   1,547,918 21,330 SH   DFND 2 21,330 0 0
MASTERCARD INC CL A Equities 57636Q104   1,900,391 3,609 SH   DFND 2 3,609 0 0
MATERIALS SELECT SECTOR SPDR FUND Equities 81369Y100   1,008,115 11,983 SH   DFND 2 11,983 0 0
MCDONALDS CORP Equities 580135101   2,415,943 8,334 SH   DFND 2 8,334 0 0
MERCK & CO INC Equities 58933Y105   373,050 3,750 SH   DFND 2 3,750 0 0
META PLATFORMS INC CL A Equities 30303M102   4,188,153 7,153 SH   DFND 2 7,153 0 0
MICROSOFT CORP Equities 594918104   13,181,148 31,272 SH   DFND 2 31,272 0 0
MORGAN STANLEY Equities 617446448   1,932,316 15,370 SH   DFND 2 15,370 0 0
NETFLIX INC Equities 64110L106   2,812,115 3,155 SH   DFND 2 3,155 0 0
NEXTERA ENERGY INC Equities 65339F101   470,501 6,563 SH   DFND 2 6,563 0 0
NVIDIA CORP Equities 67066G104   12,186,415 90,747 SH   DFND 2 90,747 0 0
ORACLE CORPORATION Equities 68389X105   4,921,379 29,533 SH   DFND 2 29,533 0 0
PALO ALTO NETWORKS INC Equities 697435105   1,630,544 8,961 SH   DFND 2 8,961 0 0
PAYCHEX INC Equities 704326107   294,182 2,098 SH   DFND 2 2,098 0 0
PAYPAL HOLDINGS INC Equities 70450Y103   230,616 2,702 SH   DFND 2 2,702 0 0
PEPSICO INC Equities 713448108   1,117,641 7,350 SH   DFND 2 7,350 0 0
PFIZER INC Equities 717081103   67,386 2,540 SH   DFND 2 2,540 0 0
PHILIP MORRIS INTERNATIONAL Equities 718172109   388,731 3,230 SH   DFND 2 3,230 0 0
PIMCO ENHANCED SHORT MATURITY ETF Equities 72201R833   1,769,797 17,638 SH   DFND 2 17,638 0 0
PROCTER & GAMBLE CO Equities 742718109   2,634,955 15,717 SH   DFND 2 15,717 0 0
QUANTA SERVICES INC Equities 74762E102   1,189,612 3,764 SH   DFND 2 3,764 0 0
REAL ESTATE SELECT SECTOR SPDR FUND Equities 81369Y860   4,798,857 117,995 SH   DFND 2 117,995 0 0
RTX CORPORATION Equities 75513E101   240,466 2,078 SH   DFND 2 2,078 0 0
SALESFORCE INC Equities 79466L302   4,988,538 14,921 SH   DFND 2 14,921 0 0
SNOWFLAKE INC CL A Equities 833445109   431,113 2,792 SH   DFND 2 2,792 0 0
SPDR GOLD TRUST Equities 78463V107   338,740 1,399 SH   DFND 2 1,399 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF Equities 78464A409   425,612 4,842 SH   DFND 2 4,842 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF Equities 78464A508   37,181,081 727,045 SH   DFND 2 727,045 0 0
SPDR S&P 500 ETF TRUST Equities 78462F103   4,076,186 6,955 SH   DFND 2 6,955 0 0
SPDR S&P DIVIDEND ETF Equities 78464A763   216,908 1,642 SH   DFND 2 1,642 0 0
SPDR S&P HOMEBUILDERS ETF Equities 78464A888   7,288,980 69,751 SH   DFND 2 69,751 0 0
STARBUCKS CORP Equities 855244109   241,539 2,647 SH   DFND 2 2,647 0 0
STRYKER CORPORATION Equities 863667101   2,748,982 7,635 SH   DFND 2 7,635 0 0
SYSCO CORP Equities 871829107   894,353 11,697 SH   DFND 2 11,697 0 0
T ROWE PRICE GROUP INC Equities 74144T108   152,558 1,349 SH   DFND 2 1,349 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND Equities 81369Y803   623,154 2,680 SH   DFND 2 2,680 0 0
TERADYNE INC Equities 880770102   1,368,373 10,867 SH   DFND 2 10,867 0 0
TESLA INC Equities 88160R101   1,650,090 4,086 SH   DFND 2 4,086 0 0
TEXAS INSTRUMENTS INC Equities 882508104   678,411 3,618 SH   DFND 2 3,618 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102   2,341,035 4,500 SH   DFND 2 4,500 0 0
TJX COS INC Equities 872540109   2,430,214 20,116 SH   DFND 2 20,116 0 0
T-MOBILE US INC Equities 872590104   2,384,988 10,805 SH   DFND 2 10,805 0 0
TRAVELERS COMPANIES INC Equities 89417E109   2,109,233 8,756 SH   DFND 2 8,756 0 0
UNION PAC CORP Equities 907818108   1,815,198 7,960 SH   DFND 2 7,960 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   1,967,795 3,890 SH   DFND 2 3,890 0 0
UTILITIES SELECT SECTOR SPDR FUND Equities 81369Y886   1,016,517 13,430 SH   DFND 2 13,430 0 0
VANGUARD GROWTH ETF Equities 922908736   211,787 516 SH   DFND 2 516 0 0
VANGUARD MID-CAP ETF Equities 922908629   25,276,477 95,698 SH   DFND 2 95,698 0 0
VANGUARD REAL ESTATE ETF Equities 922908553   451,101 5,064 SH   DFND 2 5,064 0 0
VANGUARD S&P 500 ETF Equities 922908363   105,128,318 195,116 SH   DFND 2 195,116 0 0
VANGUARD SHORT TERM CORP BOND ETF Equities 92206C409   4,943,962 63,376 SH   DFND 2 63,376 0 0
VANGUARD SMALL-CAP ETF Equities 922908751   10,659,782 44,364 SH   DFND 2 44,364 0 0
VANGUARD TOTAL BOND MARKET ETF Equities 921937835   1,650,191 22,948 SH   DFND 2 22,948 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769   399,358 1,378 SH   DFND 2 1,378 0 0
VERIZON COMMUNICATIONS Equities 92343V104   199,710 4,994 SH   DFND 2 4,994 0 0
VERTEX PHARMACEUTICALS INC Equities 92532F100   1,147,292 2,849 SH   DFND 2 2,849 0 0
VISA INC CL A Equities 92826C839   3,770,989 11,932 SH   DFND 2 11,932 0 0
WALMART INC Equities 931142103   2,725,588 30,167 SH   DFND 2 30,167 0 0
WELLS FARGO & CO Equities 949746101   336,098 4,785 SH   DFND 2 4,785 0 0
WILLIAMS COS INC Equities 969457100   2,077,992 38,396 SH   DFND 2 38,396 0 0
YUM BRANDS INC Equities 988498101   1,223,137 9,117 SH   DFND 2 9,117 0 0
3M CO Equities 88579Y101   380,816 2,950 SH   OTR 2 0 2,950 0
ABBOTT LABS Equities 002824100   48,185 426 SH   OTR 2 0 426 0
ABBVIE INC Equities 00287Y109   231,010 1,300 SH   OTR 2 0 1,300 0
ADOBE INC Equities 00724F101   84,934 191 SH   OTR 2 0 191 0
ALPHABET INC CL A Equities 02079K305   1,021,084 5,394 SH   OTR 2 0 5,394 0
ALPHABET INC CL C Equities 02079K107   208,532 1,095 SH   OTR 2 0 1,095 0
AMAZON.COM INC Equities 023135106   476,076 2,170 SH   OTR 2 0 2,170 0
AMERICAN EXPRESS CO Equities 025816109   296,790 1,000 SH   OTR 2 0 1,000 0
AMERICAN WATER WORKS CO INC Equities 030420103   31,620 254 SH   OTR 2 0 254 0
AMGEN INC Equities 031162100   83,665 321 SH   OTR 2 0 321 0
AMPHENOL CORP CL A Equities 032095101   79,729 1,148 SH   OTR 2 0 1,148 0
APPLE INC Equities 037833100   1,663,039 6,641 SH   OTR 2 0 6,641 0
ARROW FINANCIAL CORPORATION Equities 042744102   335,649 11,691 SH   OTR 2 0 11,691 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   691,136 2,361 SH   OTR 2 0 2,361 0
BANK OF AMERICA CORP Equities 060505104   178,217 4,055 SH   OTR 2 0 4,055 0
BERKSHIRE HATHAWAY INC-CL B Equities 084670702   428,350 945 SH   OTR 2 0 945 0
BLACKROCK INC Equities 09290D101   203,997 199 SH   OTR 2 0 199 0
BRISTOL MYERS SQUIBB CO Equities 110122108   86,820 1,535 SH   OTR 2 0 1,535 0
CARRIER GLOBAL CORP Equities 14448C104   320,822 4,700 SH   OTR 2 0 4,700 0
CATERPILLAR INC Equities 149123101   373,280 1,029 SH   OTR 2 0 1,029 0
CHEVRON CORPORATION Equities 166764100   282,293 1,949 SH   OTR 2 0 1,949 0
CISCO SYSTEMS INC Equities 17275R102   74,888 1,265 SH   OTR 2 0 1,265 0
COCA COLA CO Equities 191216100   106,838 1,716 SH   OTR 2 0 1,716 0
COLGATE PALMOLIVE CO Equities 194162103   501,369 5,515 SH   OTR 2 0 5,515 0
COMM. SERV. SELECT SECTOR SPDR FUND Equities 81369Y852   633,912 6,548 SH   OTR 2 0 6,548 0
CONOCOPHILLIPS Equities 20825C104   112,161 1,131 SH   OTR 2 0 1,131 0
CONS DISC SELECT SECTOR SPDR FUND Equities 81369Y407   785,898 3,503 SH   OTR 2 0 3,503 0
CONS STAPLES SELECT SECT SPDR FUND Equities 81369Y308   398,238 5,066 SH   OTR 2 0 5,066 0
CONSTELLATION BRANDS INC CL A Equities 21036P108   132,379 599 SH   OTR 2 0 599 0
COSTCO WHOLESALE CORP Equities 22160K105   82,464 90 SH   OTR 2 0 90 0
CUMMINS INC Equities 231021106   50,896 146 SH   OTR 2 0 146 0
DANAHER CORP Equities 235851102   25,021 109 SH   OTR 2 0 109 0
DISNEY WALT CO NEW Equities 254687106   135,736 1,219 SH   OTR 2 0 1,219 0
DOMINION ENERGY INC Equities 25746U109   25,476 473 SH   OTR 2 0 473 0
EATON CORP PLC Equities G29183103   157,638 475 SH   OTR 2 0 475 0
ECOLAB INC Equities 278865100   199,172 850 SH   OTR 2 0 850 0
EMERSON ELEC CO Equities 291011104   324,697 2,620 SH   OTR 2 0 2,620 0
ENERGY SELECT SECTOR SPDR FUND Equities 81369Y506   230,425 2,690 SH   OTR 2 0 2,690 0
EXXON MOBIL CORP Equities 30231G102   827,859 7,696 SH   OTR 2 0 7,696 0
FINANCIAL SELECT SECTOR SPDR FUND Equities 81369Y605   959,930 19,862 SH   OTR 2 0 19,862 0
GENERAL DYNAMICS CORP Equities 369550108   26,349 100 SH   OTR 2 0 100 0
HEALTH CARE SELECT SECTOR SPDR FUND Equities 81369Y209   741,777 5,392 SH   OTR 2 0 5,392 0
HOME DEPOT INC Equities 437076102   518,524 1,333 SH   OTR 2 0 1,333 0
HONEYWELL INTERNATIONAL INC Equities 438516106   104,813 464 SH   OTR 2 0 464 0
INDUSTRIAL SELECT SECTOR SPDR FUND Equities 81369Y704   535,473 4,064 SH   OTR 2 0 4,064 0
INGERSOLL-RAND INC Equities 45687V106   60,608 670 SH   OTR 2 0 670 0
INTERCONTINENTAL EXCHANGE GROUP, INC Equities 45866F104   107,883 724 SH   OTR 2 0 724 0
INTL. BUSINESS MACHINES CORP Equities 459200101   818,427 3,723 SH   OTR 2 0 3,723 0
INTUIT INC Equities 461202103   471,375 750 SH   OTR 2 0 750 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   262,772 514 SH   OTR 2 0 514 0
ISHARES 10-20 YEAR TREASURY BOND ETF Equities 464288653   425,832 4,278 SH   OTR 2 0 4,278 0
ISHARES 1-5Y INV GRADE CORP ETF Equities 464288646   77,550 1,500 SH   OTR 2 0 1,500 0
ISHARES BARCLAYS 1-3 YEAR TR ETF Equities 464287457   122,970 1,500 SH   OTR 2 0 1,500 0
ISHARES CORE MSCI DEV MKTS ETF Equities 46435G326   756,362 11,732 SH   OTR 2 0 11,732 0
ISHARES CORE S&P MID-CAP ETF Equities 464287507   374,296 6,007 SH   OTR 2 0 6,007 0
ISHARES CORE S&P SMALL-CAP ETF Equities 464287804   1,108,525 9,621 SH   OTR 2 0 9,621 0
ISHARES IBONDS 2025 H/Y INC ETF Equities 46435U168   929,810 40,078 SH   OTR 2 0 40,078 0
ISHARES IBONDS DEC 2025 TERM CORP Equities 46434VBD1   273,721 10,927 SH   OTR 2 0 10,927 0
ISHARES IBONDS DEC 2026 TERM CORP Equities 46435GAA0   275,433 11,443 SH   OTR 2 0 11,443 0
ISHARES IBONDS DEC 2027 TERM CORP Equities 46435UAA9   325,736 13,595 SH   OTR 2 0 13,595 0
ISHARES IBONDS DEC 2028 TERM CORP Equities 46435U515   272,381 10,939 SH   OTR 2 0 10,939 0
ISHARES IBONDS DEC 2029 TERM CORP Equities 46436E205   378,913 16,619 SH   OTR 2 0 16,619 0
ISHARES IBONDS DEC 2030 TERM CORP Equities 46436E726   378,521 17,721 SH   OTR 2 0 17,721 0
ISHARES IBONDS DEC 2031 TERM CORP Equities 46436E486   429,263 21,094 SH   OTR 2 0 21,094 0
ISHARES IBONDS DEC 2032 TC ETF Equities 46436E312   427,471 17,391 SH   OTR 2 0 17,391 0
ISHARES IBONDS DEC 2033 CORP Equities 46436E130   425,721 16,961 SH   OTR 2 0 16,961 0
ISHARES IBONDS DEC 2034 TM CORP Equities 46438G653   57,466 2,258 SH   OTR 2 0 2,258 0
JOHNSON & JOHNSON Equities 478160104   737,417 5,099 SH   OTR 2 0 5,099 0
JP MORGAN CHASE & CO Equities 46625H100   1,451,444 6,055 SH   OTR 2 0 6,055 0
LENNAR CORP CL A Equities 526057104   15,683 115 SH   OTR 2 0 115 0
LILLY ELI & CO Equities 532457108   1,091,608 1,414 SH   OTR 2 0 1,414 0
LOWES COS INC Equities 548661107   141,910 575 SH   OTR 2 0 575 0
LYONDELLBASELL INDUSTRIES NV Equities N53745100   7,650 103 SH   OTR 2 0 103 0
MARVELL TECHNOLOGY INC Equities 573874104   138,615 1,255 SH   OTR 2 0 1,255 0
MASCO CORP Equities 574599106   21,118 291 SH   OTR 2 0 291 0
MASTERCARD INC CL A Equities 57636Q104   31,594 60 SH   OTR 2 0 60 0
MATERIALS SELECT SECTOR SPDR FUND Equities 81369Y100   248,432 2,953 SH   OTR 2 0 2,953 0
MCDONALDS CORP Equities 580135101   50,731 175 SH   OTR 2 0 175 0
MERCK & CO INC Equities 58933Y105   313,859 3,155 SH   OTR 2 0 3,155 0
META PLATFORMS INC CL A Equities 30303M102   265,822 454 SH   OTR 2 0 454 0
MICROSOFT CORP Equities 594918104   2,023,622 4,801 SH   OTR 2 0 4,801 0
MORGAN STANLEY Equities 617446448   213,724 1,700 SH   OTR 2 0 1,700 0
NETFLIX INC Equities 64110L106   187,177 210 SH   OTR 2 0 210 0
NEXTERA ENERGY INC Equities 65339F101   147,251 2,054 SH   OTR 2 0 2,054 0
NVIDIA CORP Equities 67066G104   1,305,299 9,720 SH   OTR 2 0 9,720 0
ORACLE CORPORATION Equities 68389X105   824,035 4,945 SH   OTR 2 0 4,945 0
PALO ALTO NETWORKS INC Equities 697435105   102,625 564 SH   OTR 2 0 564 0
PAYCHEX INC Equities 704326107   83,431 595 SH   OTR 2 0 595 0
PEPSICO INC Equities 713448108   433,523 2,851 SH   OTR 2 0 2,851 0
PFIZER INC Equities 717081103   254,157 9,580 SH   OTR 2 0 9,580 0
PIMCO ENHANCED SHORT MATURITY ETF Equities 72201R833   98,835 985 SH   OTR 2 0 985 0
PROCTER & GAMBLE CO Equities 742718109   532,792 3,178 SH   OTR 2 0 3,178 0
QUANTA SERVICES INC Equities 74762E102   45,511 144 SH   OTR 2 0 144 0
REAL ESTATE SELECT SECTOR SPDR FUND Equities 81369Y860   77,964 1,917 SH   OTR 2 0 1,917 0
RTX CORPORATION Equities 75513E101   601,165 5,195 SH   OTR 2 0 5,195 0
SALESFORCE INC Equities 79466L302   268,133 802 SH   OTR 2 0 802 0
SNOWFLAKE INC CL A Equities 833445109   60,838 394 SH   OTR 2 0 394 0
SPDR PORTFOLIO S&P 500 VALUE ETF Equities 78464A508   83,154 1,626 SH   OTR 2 0 1,626 0
SPDR S&P HOMEBUILDERS ETF Equities 78464A888   141,493 1,354 SH   OTR 2 0 1,354 0
STARBUCKS CORP Equities 855244109   165,619 1,815 SH   OTR 2 0 1,815 0
STRYKER CORPORATION Equities 863667101   422,339 1,173 SH   OTR 2 0 1,173 0
SYSCO CORP Equities 871829107   19,880 260 SH   OTR 2 0 260 0
T ROWE PRICE GROUP INC Equities 74144T108   98,954 875 SH   OTR 2 0 875 0
TECHNOLOGY SELECT SECTOR SPDR FUND Equities 81369Y803   2,034,085 8,748 SH   OTR 2 0 8,748 0
TERADYNE INC Equities 880770102   62,582 497 SH   OTR 2 0 497 0
TESLA INC Equities 88160R101   88,037 218 SH   OTR 2 0 218 0
THERMO FISHER SCIENTIFIC INC Equities 883556102   166,474 320 SH   OTR 2 0 320 0
TJX COS INC Equities 872540109   234,975 1,945 SH   OTR 2 0 1,945 0
T-MOBILE US INC Equities 872590104   54,962 249 SH   OTR 2 0 249 0
TRAVELERS COMPANIES INC Equities 89417E109   22,403 93 SH   OTR 2 0 93 0
UNION PAC CORP Equities 907818108   97,373 427 SH   OTR 2 0 427 0
UNITEDHEALTH GROUP INC Equities 91324P102   150,746 298 SH   OTR 2 0 298 0
UTILITIES SELECT SECTOR SPDR FUND Equities 81369Y886   157,435 2,080 SH   OTR 2 0 2,080 0
VANGUARD MID-CAP ETF Equities 922908629   3,082,633 11,671 SH   OTR 2 0 11,671 0
VANGUARD REAL ESTATE ETF Equities 922908553   134,956 1,515 SH   OTR 2 0 1,515 0
VANGUARD S&P 500 ETF Equities 922908363   1,061,434 1,970 SH   OTR 2 0 1,970 0
VANGUARD SHORT TERM CORP BOND ETF Equities 92206C409   477,967 6,127 SH   OTR 2 0 6,127 0
VANGUARD SMALL-CAP ETF Equities 922908751   1,104,807 4,598 SH   OTR 2 0 4,598 0
VERIZON COMMUNICATIONS Equities 92343V104   79,020 1,976 SH   OTR 2 0 1,976 0
VERTEX PHARMACEUTICALS INC Equities 92532F100   175,577 436 SH   OTR 2 0 436 0
VISA INC CL A Equities 92826C839   399,791 1,265 SH   OTR 2 0 1,265 0
WALMART INC Equities 931142103   162,178 1,795 SH   OTR 2 0 1,795 0
WELLS FARGO & CO Equities 949746101   64,972 925 SH   OTR 2 0 925 0
WILLIAMS COS INC Equities 969457100   68,624 1,268 SH   OTR 2 0 1,268 0
YUM BRANDS INC Equities 988498101   9,660 72 SH   OTR 2 0 72 0
AIR PRODUCTS & CHEMICALS INC Equities 009158106   57,718 199 SH   DFND 2 199 0 0
AMERICAN TOWER CORP REIT Equities 03027X100   22,376 122 SH   DFND 2 122 0 0
AT&T INC Equities 00206R102   165,675 7,276 SH   DFND 2 7,276 0 0
CAPITAL ONE FINANCIAL CORP Equities 14040H105   1,783 10 SH   DFND 2 10 0 0
GOLDMAN SACHS GROUP INC Equities 38141G104   192,973 337 SH   DFND 2 337 0 0
NUVEEN ESG SMALL-CAP ETF Equities 67092P607   157,058 3,750 SH   DFND 2 3,750 0 0
SHERWIN WILLIAMS CO Equities 824348106   180,163 530 SH   DFND 2 530 0 0
SOUTHERN COMPANY Equities 842587107   66,679 810 SH   DFND 2 810 0 0
THE HERSHEY COMPANY Equities 427866108   41,152 243 SH   DFND 2 243 0 0
VULCAN MATERIALS CO Equities 929160109   190,865 742 SH   DFND 2 742 0 0
WASTE MANAGEMENT INC Equities 94106L109   60,335 299 SH   DFND 2 299 0 0