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
AT&T INC Equities 00206R102   230,708 8,158 SH   DFND 2 8,158 0 0
ABBOTT LABS Equities 002824100   2,527,778 19,056 SH   DFND 2 19,056 0 0
ABBVIE INC Equities 00287Y109   975,525 4,656 SH   DFND 2 4,656 0 0
ADOBE INC Equities 00724F101   2,325,924 6,065 SH   DFND 2 6,065 0 0
ALPHABET INC CL C Equities 02079K107   1,710,250 10,947 SH   DFND 2 10,947 0 0
ALPHABET INC CL A Equities 02079K305   8,124,012 52,535 SH   DFND 2 52,535 0 0
ALTRIA GROUP INC Equities 02209S103   299,800 4,995 SH   DFND 2 4,995 0 0
AMAZON.COM INC Equities 023135106   7,089,278 37,261 SH   DFND 2 37,261 0 0
AMERICAN EXPRESS CO Equities 025816109   452,811 1,683 SH   DFND 2 1,683 0 0
AMERICAN WATER WORKS CO INC Equities 030420103   971,643 6,587 SH   DFND 2 6,587 0 0
AMGEN INC Equities 031162100   3,271,587 10,501 SH   DFND 2 10,501 0 0
AMPHENOL CORP CL A Equities 032095101   3,115,525 47,500 SH   DFND 2 47,500 0 0
APPLE INC Equities 037833100   14,652,260 65,963 SH   DFND 2 65,963 0 0
APPLIED MATERIALS INC Equities 038222105   244,527 1,685 SH   DFND 2 1,685 0 0
ARROW FINANCIAL CORPORATION Equities 042744102   49,308,446 1,875,559 SH   DFND 2 1,875,559 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   157,959 517 SH   DFND 2 517 0 0
BANK OF AMERICA CORP Equities 060505104   2,592,017 62,114 SH   DFND 2 62,114 0 0
BERKSHIRE HATHAWAY INC-CL B Equities 084670702   4,450,771 8,357 SH   DFND 2 8,357 0 0
BLACKROCK INC Equities 09290D101   3,182,565 3,363 SH   DFND 2 3,363 0 0
BRISTOL MYERS SQUIBB CO Equities 110122108   372,588 6,109 SH   DFND 2 6,109 0 0
CARRIER GLOBAL CORP Equities 14448C104   42,795 675 SH   DFND 2 675 0 0
CATERPILLAR INC Equities 149123101   2,080,378 6,308 SH   DFND 2 6,308 0 0
CHESAPEAKE UTILITIES CORP Equities 165303108   318,506 2,480 SH   DFND 2 2,480 0 0
CHEVRON CORPORATION Equities 166764100   1,058,611 6,328 SH   DFND 2 6,328 0 0
CISCO SYSTEMS INC Equities 17275R102   3,245,731 52,597 SH   DFND 2 52,597 0 0
COCA COLA CO Equities 191216100   2,188,458 30,557 SH   DFND 2 30,557 0 0
COLGATE PALMOLIVE CO Equities 194162103   210,075 2,242 SH   DFND 2 2,242 0 0
CONOCOPHILLIPS Equities 20825C104   1,501,366 14,296 SH   DFND 2 14,296 0 0
COSTCO WHOLESALE CORP Equities 22160K105   3,413,804 3,610 SH   DFND 2 3,610 0 0
CUMMINS INC Equities 231021106   1,457,344 4,650 SH   DFND 2 4,650 0 0
DANAHER CORP Equities 235851102   1,620,014 7,903 SH   DFND 2 7,903 0 0
DISNEY WALT CO NEW Equities 254687106   2,269,560 22,995 SH   DFND 2 22,995 0 0
DOLLAR TREE INC Equities 256746108   217,403 2,896 SH   DFND 2 2,896 0 0
DOMINION ENERGY INC Equities 25746U109   829,892 14,801 SH   DFND 2 14,801 0 0
EASTMAN CHEMICAL CO Equities 277432100   729,022 8,274 SH   DFND 2 8,274 0 0
ECOLAB INC Equities 278865100   510,336 2,013 SH   DFND 2 2,013 0 0
EMERSON ELEC CO Equities 291011104   149,768 1,366 SH   DFND 2 1,366 0 0
EXXON MOBIL CORP Equities 30231G102   2,974,320 25,009 SH   DFND 2 25,009 0 0
META PLATFORMS INC CL A Equities 30303M102   4,285,813 7,436 SH   DFND 2 7,436 0 0
FISERV INC Equities 337738108   496,868 2,250 SH   DFND 2 2,250 0 0
FORD MOTOR CO DEL Equities 345370860   105,315 10,500 SH   DFND 2 10,500 0 0
GE VERNOVA LLC Equities 36828A101   244,835 802 SH   DFND 2 802 0 0
GENERAL DYNAMICS CORP Equities 369550108   1,749,012 6,417 SH   DFND 2 6,417 0 0
GE AEROSPACE Equities 369604301   624,268 3,119 SH   DFND 2 3,119 0 0
GOLDMAN SACHS GROUP INC Equities 38141G104   214,146 392 SH   DFND 2 392 0 0
HOME DEPOT INC Equities 437076102   4,455,785 12,158 SH   DFND 2 12,158 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106   2,087,966 9,861 SH   DFND 2 9,861 0 0
INGERSOLL-RAND INC Equities 45687V106   1,405,327 17,560 SH   DFND 2 17,560 0 0
INTERCONTINENTAL EXCHANGE GROUP, INC Equities 45866F104   3,243,779 18,805 SH   DFND 2 18,805 0 0
INTL. BUSINESS MACHINES CORP Equities 459200101   379,455 1,526 SH   DFND 2 1,526 0 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   73,919,142 157,637 SH   DFND 2 157,637 0 0
INTUIT INC Equities 461202103   0 0 SH   DFND 2 0 0 0
ISHARES CORE S&P 500 ETF Equities 464287200   679,899 1,210 SH   DFND 2 1,210 0 0
ISHARES CORE U.S. AGGREGATE Equities 464287226   6,650,985 67,236 SH   DFND 2 67,236 0 0
ISHARES BARCLAYS 1-3 YEAR TR ETF Equities 464287457   142,792 1,726 SH   DFND 2 1,726 0 0
ISHARES RUSSELL MIDCAP ETF Equities 464287499   346,745 4,076 SH   DFND 2 4,076 0 0
ISHARES CORE S&P MID-CAP ETF Equities 464287507   50,272,843 861,575 SH   DFND 2 861,575 0 0
ISHARES CORE S&P SMALL-CAP ETF Equities 464287804   39,444,279 377,207 SH   DFND 2 377,207 0 0
ISHARES NEW YORK MUNI BOND ETF Mutual Funds 464288323   4,670,266 88,704 SH   DFND 2 88,704 0 0
ISHARES NATIONAL MUNI BOND ETF Mutual Funds 464288414   1,305,136 12,378 SH   DFND 2 12,378 0 0
ISHARES 1-5Y INV GRADE CORP ETF Equities 464288646   267,454 5,107 SH   DFND 2 5,107 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF Equities 464288653   7,155,534 68,969 SH   DFND 2 68,969 0 0
ISHARES IBONDS DEC 2025 TERM CORP Equities 46434VBD1   13,455,476 535,009 SH   DFND 2 535,009 0 0
ISHARES ESG AWARE 1-5 YEAR USD ETF Equities 46435G243   613,380 24,545 SH   DFND 2 24,545 0 0
ISHARES CORE MSCI DEV MKTS ETF Equities 46435G326   30,579,307 443,886 SH   DFND 2 443,886 0 0
ISHARES IBONDS DEC 2026 TERM CORP Equities 46435GAA0   13,886,638 573,591 SH   DFND 2 573,591 0 0
ISHARES IBONDS 2025 H/Y INC ETF Equities 46435U168   28,136,598 1,210,697 SH   DFND 2 1,210,697 0 0
ISHARES IBONDS DEC 2026 MUNI ETF Mutual Funds 46435U259   241,568 9,451 SH   DFND 2 9,451 0 0
ISHARES IBONDS DEC 2027 MUNI ETF Mutual Funds 46435U283   240,590 9,517 SH   DFND 2 9,517 0 0
ISHARES IBONDS DEC 2028 TERM MUNI Mutual Funds 46435U325   238,940 9,448 SH   DFND 2 9,448 0 0
ISHARES IBONDS DEC 2025 MUNI ETF Mutual Funds 46435U432   240,911 9,006 SH   DFND 2 9,006 0 0
ISHARES IBONDS DEC 2028 TERM CORP Equities 46435U515   14,132,339 559,475 SH   DFND 2 559,475 0 0
ISHARES IBONDS DEC 2027 TERM CORP Equities 46435UAA9   13,759,363 569,039 SH   DFND 2 569,039 0 0
ISHARES IBONDS DEC 2033 CORP Equities 46436E130   14,259,975 557,902 SH   DFND 2 557,902 0 0
ISHARES IBONDS DEC 2029 TERM CORP Equities 46436E205   14,120,518 610,485 SH   DFND 2 610,485 0 0
ISHARES IBONDS DEC 2032 TC ETF Equities 46436E312   14,591,536 583,895 SH   DFND 2 583,895 0 0
ISHARES IBONDS DEC 2031 TERM CORP Equities 46436E486   14,180,612 683,403 SH   DFND 2 683,403 0 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INC Equities 46436E528   7,775,890 334,879 SH   DFND 2 334,879 0 0
ISHARES IBONDS DEC 2030 TERM CORP Equities 46436E726   14,144,194 651,206 SH   DFND 2 651,206 0 0
ISHARES IBONDS DEC 2034 TM CORP Equities 46438G653   3,768,330 146,142 SH   DFND 2 146,142 0 0
JP MORGAN CHASE & CO Equities 46625H100   5,124,222 20,890 SH   DFND 2 20,890 0 0
JOHNSON & JOHNSON Equities 478160104   2,572,013 15,509 SH   DFND 2 15,509 0 0
LENNAR CORP CL A Equities 526057104   917,896 7,997 SH   DFND 2 7,997 0 0
LILLY ELI & CO Equities 532457108   3,078,167 3,727 SH   DFND 2 3,727 0 0
LOWES COS INC Equities 548661107   1,000,323 4,289 SH   DFND 2 4,289 0 0
MARVELL TECHNOLOGY INC Equities 573874104   1,033,514 16,786 SH   DFND 2 16,786 0 0
MASCO CORP Equities 574599106   1,549,699 22,285 SH   DFND 2 22,285 0 0
MASTERCARD INC CL A Equities 57636Q104   2,034,621 3,712 SH   DFND 2 3,712 0 0
MCDONALDS CORP Equities 580135101   2,723,554 8,719 SH   DFND 2 8,719 0 0
MERCK & CO INC Equities 58933Y105   603,277 6,721 SH   DFND 2 6,721 0 0
MICROSOFT CORP Equities 594918104   12,189,289 32,471 SH   DFND 2 32,471 0 0
MORGAN STANLEY Equities 617446448   1,815,152 15,558 SH   DFND 2 15,558 0 0
NATIONAL GRID PLC SPONS ADR Equities 636274409   212,117 3,233 SH   DFND 2 3,233 0 0
NETFLIX INC Equities 64110L106   3,078,282 3,301 SH   DFND 2 3,301 0 0
NEXTERA ENERGY INC Equities 65339F101   487,014 6,870 SH   DFND 2 6,870 0 0
NVIDIA CORP Equities 67066G104   10,150,654 93,658 SH   DFND 2 93,658 0 0
ORACLE CORPORATION Equities 68389X105   4,310,422 30,831 SH   DFND 2 30,831 0 0
OTIS WORLDWIDE CORP Equities 68902V107   0 0 SH   DFND 2 0 0 0
PALO ALTO NETWORKS INC Equities 697435105   1,611,865 9,446 SH   DFND 2 9,446 0 0
PAYCHEX INC Equities 704326107   342,964 2,223 SH   DFND 2 2,223 0 0
PEPSICO INC Equities 713448108   1,121,701 7,481 SH   DFND 2 7,481 0 0
PFIZER INC Equities 717081103   70,699 2,790 SH   DFND 2 2,790 0 0
PHILIP MORRIS INTERNATIONAL Equities 718172109   512,698 3,230 SH   DFND 2 3,230 0 0
PIMCO ENHANCED SHORT MATURITY ETF Equities 72201R833   1,750,184 17,394 SH   DFND 2 17,394 0 0
T ROWE PRICE GROUP INC Equities 74144T108   145,155 1,580 SH   DFND 2 1,580 0 0
PROCTER & GAMBLE CO Equities 742718109   2,745,054 16,108 SH   DFND 2 16,108 0 0
QUANTA SERVICES INC Equities 74762E102   1,022,820 4,024 SH   DFND 2 4,024 0 0
RTX CORPORATION Equities 75513E101   302,936 2,287 SH   DFND 2 2,287 0 0
SPDR S&P 500 ETF TRUST Equities 78462F103   4,098,091 7,326 SH   DFND 2 7,326 0 0
SPDR GOLD TRUST Equities 78463V107   519,228 1,802 SH   DFND 2 1,802 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF Equities 78464A409   389,152 4,842 SH   DFND 2 4,842 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF Equities 78464A508   40,560,866 794,221 SH   DFND 2 794,221 0 0
SPDR S&P DIVIDEND ETF Equities 78464A763   222,787 1,642 SH   DFND 2 1,642 0 0
SPDR S&P HOMEBUILDERS ETF Equities 78464A888   7,560,284 78,022 SH   DFND 2 78,022 0 0
SALESFORCE INC Equities 79466L302   4,140,131 15,428 SH   DFND 2 15,428 0 0
MATERIALS SELECT SECTOR SPDR FUND Equities 81369Y100   1,090,811 12,689 SH   DFND 2 12,689 0 0
HEALTH CARE SELECT SECTOR SPDR FUND Equities 81369Y209   490,010 3,356 SH   DFND 2 3,356 0 0
CONS STAPLES SELECT SECT SPDR FUND Equities 81369Y308   68,684 841 SH   DFND 2 841 0 0
CONS DISC SELECT SECTOR SPDR FUND Equities 81369Y407   199,435 1,010 SH   DFND 2 1,010 0 0
ENERGY SELECT SECTOR SPDR FUND Equities 81369Y506   210,917 2,257 SH   DFND 2 2,257 0 0
FINANCIAL SELECT SECTOR SPDR FUND Equities 81369Y605   541,485 10,871 SH   DFND 2 10,871 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND Equities 81369Y704   425,978 3,250 SH   DFND 2 3,250 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND Equities 81369Y803   758,195 3,672 SH   DFND 2 3,672 0 0
COMM. SERV. SELECT SECTOR SPDR FUND Equities 81369Y852   88,734 920 SH   DFND 2 920 0 0
REAL ESTATE SELECT SECTOR SPDR FUND Equities 81369Y860   5,299,905 126,641 SH   DFND 2 126,641 0 0
UTILITIES SELECT SECTOR SPDR FUND Equities 81369Y886   1,127,082 14,294 SH   DFND 2 14,294 0 0
SNOWFLAKE INC CL A Equities 833445109   481,890 3,297 SH   DFND 2 3,297 0 0
STARBUCKS CORP Equities 855244109   272,690 2,780 SH   DFND 2 2,780 0 0
STRYKER CORPORATION Equities 863667101   2,937,053 7,890 SH   DFND 2 7,890 0 0
SYSCO CORP Equities 871829107   903,632 12,042 SH   DFND 2 12,042 0 0
TJX COS INC Equities 872540109   2,566,326 21,070 SH   DFND 2 21,070 0 0
T-MOBILE US INC Equities 872590104   2,971,683 11,142 SH   DFND 2 11,142 0 0
TERADYNE INC Equities 880770102   938,088 11,357 SH   DFND 2 11,357 0 0
TESLA INC Equities 88160R101   1,109,982 4,283 SH   DFND 2 4,283 0 0
TEXAS INSTRUMENTS INC Equities 882508104   659,140 3,668 SH   DFND 2 3,668 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102   2,308,129 4,639 SH   DFND 2 4,639 0 0
3M CO Equities 88579Y101   252,599 1,720 SH   DFND 2 1,720 0 0
TRAVELERS COMPANIES INC Equities 89417E109   2,386,487 9,024 SH   DFND 2 9,024 0 0
UNION PAC CORP Equities 907818108   1,959,262 8,294 SH   DFND 2 8,294 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   2,109,665 4,028 SH   DFND 2 4,028 0 0
VANGUARD TOTAL BOND MARKET ETF Equities 921937835   1,718,216 23,393 SH   DFND 2 23,393 0 0
VANGUARD SHORT TERM CORP BOND ETF Equities 92206C409   5,359,158 67,889 SH   DFND 2 67,889 0 0
VANGUARD S&P 500 ETF Equities 922908363   110,615,530 215,243 SH   DFND 2 215,243 0 0
VANGUARD REAL ESTATE ETF Equities 922908553   549,035 6,064 SH   DFND 2 6,064 0 0
VANGUARD MID-CAP ETF Equities 922908629   25,524,525 98,696 SH   DFND 2 98,696 0 0
VANGUARD SMALL-CAP ETF Equities 922908751   10,398,301 46,892 SH   DFND 2 46,892 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769   378,730 1,378 SH   DFND 2 1,378 0 0
VERIZON COMMUNICATIONS Equities 92343V104   441,761 9,739 SH   DFND 2 9,739 0 0
VERTEX PHARMACEUTICALS INC Equities 92532F100   1,429,734 2,949 SH   DFND 2 2,949 0 0
VISA INC CL A Equities 92826C839   4,372,881 12,478 SH   DFND 2 12,478 0 0
WALMART INC Equities 931142103   2,731,410 31,113 SH   DFND 2 31,113 0 0
WELLS FARGO & CO Equities 949746101   357,083 4,974 SH   DFND 2 4,974 0 0
WILLIAMS COS INC Equities 969457100   2,424,733 40,575 SH   DFND 2 40,575 0 0
YUM BRANDS INC Equities 988498101   1,483,433 9,427 SH   DFND 2 9,427 0 0
LYONDELLBASELL INDUSTRIES NV Equities N53745100   619,379 8,798 SH   DFND 2 8,798 0 0
AT&T INC Equities 00206R102   36,000 1,273 SH   OTR 2 0 1,273 0
ABBOTT LABS Equities 002824100   56,509 426 SH   OTR 2 0 426 0
ABBVIE INC Equities 00287Y109   272,376 1,300 SH   OTR 2 0 1,300 0
ADOBE INC Equities 00724F101   73,248 191 SH   OTR 2 0 191 0
ALPHABET INC CL C Equities 02079K107   171,072 1,095 SH   OTR 2 0 1,095 0
ALPHABET INC CL A Equities 02079K305   833,355 5,389 SH   OTR 2 0 5,389 0
ALTRIA GROUP INC Equities 02209S103   0 0 SH   OTR 2 0 0 0
AMAZON.COM INC Equities 023135106   410,962 2,160 SH   OTR 2 0 2,160 0
AMERICAN EXPRESS CO Equities 025816109   269,050 1,000 SH   OTR 2 0 1,000 0
AMERICAN WATER WORKS CO INC Equities 030420103   37,467 254 SH   OTR 2 0 254 0
AMGEN INC Equities 031162100   100,008 321 SH   OTR 2 0 321 0
AMPHENOL CORP CL A Equities 032095101   75,297 1,148 SH   OTR 2 0 1,148 0
APPLE INC Equities 037833100   1,474,045 6,636 SH   OTR 2 0 6,636 0
APPLIED MATERIALS INC Equities 038222105   0 0 SH   OTR 2 0 0 0
ARROW FINANCIAL CORPORATION Equities 042744102   307,356 11,691 SH   OTR 2 0 11,691 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   721,356 2,361 SH   OTR 2 0 2,361 0
BANK OF AMERICA CORP Equities 060505104   168,172 4,030 SH   OTR 2 0 4,030 0
BERKSHIRE HATHAWAY INC-CL B Equities 084670702   503,288 945 SH   OTR 2 0 945 0
BLACKROCK INC Equities 09290D101   188,323 199 SH   OTR 2 0 199 0
BRISTOL MYERS SQUIBB CO Equities 110122108   93,620 1,535 SH   OTR 2 0 1,535 0
CARRIER GLOBAL CORP Equities 14448C104   297,980 4,700 SH   OTR 2 0 4,700 0
CATERPILLAR INC Equities 149123101   339,364 1,029 SH   OTR 2 0 1,029 0
CHESAPEAKE UTILITIES CORP Equities 165303108   0 0 SH   OTR 2 0 0 0
CHEVRON CORPORATION Equities 166764100   326,048 1,949 SH   OTR 2 0 1,949 0
CISCO SYSTEMS INC Equities 17275R102   78,062 1,265 SH   OTR 2 0 1,265 0
COCA COLA CO Equities 191216100   122,898 1,716 SH   OTR 2 0 1,716 0
COLGATE PALMOLIVE CO Equities 194162103   516,756 5,515 SH   OTR 2 0 5,515 0
CONOCOPHILLIPS Equities 20825C104   118,778 1,131 SH   OTR 2 0 1,131 0
COSTCO WHOLESALE CORP Equities 22160K105   85,109 90 SH   OTR 2 0 90 0
CUMMINS INC Equities 231021106   45,757 146 SH   OTR 2 0 146 0
DANAHER CORP Equities 235851102   22,344 109 SH   OTR 2 0 109 0
DISNEY WALT CO NEW Equities 254687106   120,313 1,219 SH   OTR 2 0 1,219 0
DOLLAR TREE INC Equities 256746108   0 0 SH   OTR 2 0 0 0
DOMINION ENERGY INC Equities 25746U109   23,437 418 SH   OTR 2 0 418 0
EASTMAN CHEMICAL CO Equities 277432100   0 0 SH   OTR 2 0 0 0
ECOLAB INC Equities 278865100   215,492 850 SH   OTR 2 0 850 0
EMERSON ELEC CO Equities 291011104   287,257 2,620 SH   OTR 2 0 2,620 0
EXXON MOBIL CORP Equities 30231G102   915,285 7,696 SH   OTR 2 0 7,696 0
META PLATFORMS INC CL A Equities 30303M102   261,667 454 SH   OTR 2 0 454 0
FISERV INC Equities 337738108   0 0 SH   OTR 2 0 0 0
FORD MOTOR CO DEL Equities 345370860   0 0 SH   OTR 2 0 0 0
GE VERNOVA LLC Equities 36828A101   0 0 SH   OTR 2 0 0 0
GENERAL DYNAMICS CORP Equities 369550108   27,256 100 SH   OTR 2 0 100 0
GE AEROSPACE Equities 369604301   0 0 SH   OTR 2 0 0 0
GOLDMAN SACHS GROUP INC Equities 38141G104   13,657 25 SH   OTR 2 0 25 0
HOME DEPOT INC Equities 437076102   486,699 1,328 SH   OTR 2 0 1,328 0
HONEYWELL INTERNATIONAL INC Equities 438516106   98,247 464 SH   OTR 2 0 464 0
INGERSOLL-RAND INC Equities 45687V106   53,620 670 SH   OTR 2 0 670 0
INTERCONTINENTAL EXCHANGE GROUP, INC Equities 45866F104   123,162 714 SH   OTR 2 0 714 0
INTL. BUSINESS MACHINES CORP Equities 459200101   925,761 3,723 SH   OTR 2 0 3,723 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   241,025 514 SH   OTR 2 0 514 0
INTUIT INC Equities 461202103   460,493 750 SH   OTR 2 0 750 0
ISHARES CORE S&P 500 ETF Equities 464287200   0 0 SH   OTR 2 0 0 0
ISHARES CORE U.S. AGGREGATE Equities 464287226   0 0 SH   OTR 2 0 0 0
ISHARES BARCLAYS 1-3 YEAR TR ETF Equities 464287457   124,095 1,500 SH   OTR 2 0 1,500 0
ISHARES RUSSELL MIDCAP ETF Equities 464287499   0 0 SH   OTR 2 0 0 0
ISHARES CORE S&P MID-CAP ETF Equities 464287507   272,611 4,672 SH   OTR 2 0 4,672 0
ISHARES CORE S&P SMALL-CAP ETF Equities 464287804   703,856 6,731 SH   OTR 2 0 6,731 0
ISHARES NEW YORK MUNI BOND ETF Mutual Funds 464288323   0 0 SH   OTR 2 0 0 0
ISHARES NATIONAL MUNI BOND ETF Mutual Funds 464288414   0 0 SH   OTR 2 0 0 0
ISHARES 1-5Y INV GRADE CORP ETF Equities 464288646   78,555 1,500 SH   OTR 2 0 1,500 0
ISHARES 10-20 YEAR TREASURY BOND ETF Equities 464288653   322,040 3,104 SH   OTR 2 0 3,104 0
ISHARES IBONDS DEC 2025 TERM CORP Equities 46434VBD1   177,685 7,065 SH   OTR 2 0 7,065 0
ISHARES ESG AWARE 1-5 YEAR USD ETF Equities 46435G243   0 0 SH   OTR 2 0 0 0
ISHARES CORE MSCI DEV MKTS ETF Equities 46435G326   639,299 9,280 SH   OTR 2 0 9,280 0
ISHARES IBONDS DEC 2026 TERM CORP Equities 46435GAA0   177,822 7,345 SH   OTR 2 0 7,345 0
ISHARES IBONDS 2025 H/Y INC ETF Equities 46435U168   931,413 40,078 SH   OTR 2 0 40,078 0
ISHARES IBONDS DEC 2026 MUNI ETF Mutual Funds 46435U259   0 0 SH   OTR 2 0 0 0
ISHARES IBONDS DEC 2027 MUNI ETF Mutual Funds 46435U283   0 0 SH   OTR 2 0 0 0
ISHARES IBONDS DEC 2028 TERM MUNI Mutual Funds 46435U325   0 0 SH   OTR 2 0 0 0
ISHARES IBONDS DEC 2025 MUNI ETF Mutual Funds 46435U432   0 0 SH   OTR 2 0 0 0
ISHARES IBONDS DEC 2028 TERM CORP Equities 46435U515   176,618 6,992 SH   OTR 2 0 6,992 0
ISHARES IBONDS DEC 2027 TERM CORP Equities 46435UAA9   229,517 9,492 SH   OTR 2 0 9,492 0
ISHARES IBONDS DEC 2033 CORP Equities 46436E130   331,334 12,963 SH   OTR 2 0 12,963 0
ISHARES IBONDS DEC 2029 TERM CORP Equities 46436E205   282,579 12,217 SH   OTR 2 0 12,217 0
ISHARES IBONDS DEC 2032 TC ETF Equities 46436E312   332,267 13,296 SH   OTR 2 0 13,296 0
ISHARES IBONDS DEC 2031 TERM CORP Equities 46436E486   334,345 16,113 SH   OTR 2 0 16,113 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INC Equities 46436E528   0 0 SH   OTR 2 0 0 0
ISHARES IBONDS DEC 2030 TERM CORP Equities 46436E726   282,751 13,018 SH   OTR 2 0 13,018 0
ISHARES IBONDS DEC 2034 TM CORP Equities 46438G653   58,223 2,258 SH   OTR 2 0 2,258 0
JP MORGAN CHASE & CO Equities 46625H100   1,477,905 6,025 SH   OTR 2 0 6,025 0
JOHNSON & JOHNSON Equities 478160104   845,618 5,099 SH   OTR 2 0 5,099 0
LENNAR CORP CL A Equities 526057104   13,200 115 SH   OTR 2 0 115 0
LILLY ELI & CO Equities 532457108   1,167,837 1,414 SH   OTR 2 0 1,414 0
LOWES COS INC Equities 548661107   134,107 575 SH   OTR 2 0 575 0
MARVELL TECHNOLOGY INC Equities 573874104   77,270 1,255 SH   OTR 2 0 1,255 0
MASCO CORP Equities 574599106   18,498 266 SH   OTR 2 0 266 0
MASTERCARD INC CL A Equities 57636Q104   32,887 60 SH   OTR 2 0 60 0
MCDONALDS CORP Equities 580135101   54,665 175 SH   OTR 2 0 175 0
MERCK & CO INC Equities 58933Y105   283,193 3,155 SH   OTR 2 0 3,155 0
MICROSOFT CORP Equities 594918104   1,802,247 4,801 SH   OTR 2 0 4,801 0
MORGAN STANLEY Equities 617446448   198,339 1,700 SH   OTR 2 0 1,700 0
NATIONAL GRID PLC SPONS ADR Equities 636274409   0 0 SH   OTR 2 0 0 0
NETFLIX INC Equities 64110L106   195,831 210 SH   OTR 2 0 210 0
NEXTERA ENERGY INC Equities 65339F101   145,608 2,054 SH   OTR 2 0 2,054 0
NVIDIA CORP Equities 67066G104   1,053,454 9,720 SH   OTR 2 0 9,720 0
ORACLE CORPORATION Equities 68389X105   691,351 4,945 SH   OTR 2 0 4,945 0
OTIS WORLDWIDE CORP Equities 68902V107   214,140 2,075 SH   OTR 2 0 2,075 0
PALO ALTO NETWORKS INC Equities 697435105   96,241 564 SH   OTR 2 0 564 0
PAYCHEX INC Equities 704326107   91,797 595 SH   OTR 2 0 595 0
PEPSICO INC Equities 713448108   427,479 2,851 SH   OTR 2 0 2,851 0
PFIZER INC Equities 717081103   238,196 9,400 SH   OTR 2 0 9,400 0
PHILIP MORRIS INTERNATIONAL Equities 718172109   0 0 SH   OTR 2 0 0 0
PIMCO ENHANCED SHORT MATURITY ETF Equities 72201R833   99,111 985 SH   OTR 2 0 985 0
T ROWE PRICE GROUP INC Equities 74144T108   80,386 875 SH   OTR 2 0 875 0
PROCTER & GAMBLE CO Equities 742718109   537,320 3,153 SH   OTR 2 0 3,153 0
QUANTA SERVICES INC Equities 74762E102   36,602 144 SH   OTR 2 0 144 0
RTX CORPORATION Equities 75513E101   688,130 5,195 SH   OTR 2 0 5,195 0
SPDR S&P 500 ETF TRUST Equities 78462F103   0 0 SH   OTR 2 0 0 0
SPDR GOLD TRUST Equities 78463V107   0 0 SH   OTR 2 0 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF Equities 78464A409   0 0 SH   OTR 2 0 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF Equities 78464A508   83,040 1,626 SH   OTR 2 0 1,626 0
SPDR S&P DIVIDEND ETF Equities 78464A763   0 0 SH   OTR 2 0 0 0
SPDR S&P HOMEBUILDERS ETF Equities 78464A888   131,202 1,354 SH   OTR 2 0 1,354 0
SALESFORCE INC Equities 79466L302   215,218 802 SH   OTR 2 0 802 0
MATERIALS SELECT SECTOR SPDR FUND Equities 81369Y100   146,828 1,708 SH   OTR 2 0 1,708 0
HEALTH CARE SELECT SECTOR SPDR FUND Equities 81369Y209   462,706 3,169 SH   OTR 2 0 3,169 0
CONS STAPLES SELECT SECT SPDR FUND Equities 81369Y308   230,881 2,827 SH   OTR 2 0 2,827 0
CONS DISC SELECT SECTOR SPDR FUND Equities 81369Y407   413,679 2,095 SH   OTR 2 0 2,095 0
ENERGY SELECT SECTOR SPDR FUND Equities 81369Y506   145,782 1,560 SH   OTR 2 0 1,560 0
FINANCIAL SELECT SECTOR SPDR FUND Equities 81369Y605   570,673 11,457 SH   OTR 2 0 11,457 0
INDUSTRIAL SELECT SECTOR SPDR FUND Equities 81369Y704   308,932 2,357 SH   OTR 2 0 2,357 0
TECHNOLOGY SELECT SECTOR SPDR FUND Equities 81369Y803   1,091,040 5,284 SH   OTR 2 0 5,284 0
COMM. SERV. SELECT SECTOR SPDR FUND Equities 81369Y852   361,302 3,746 SH   OTR 2 0 3,746 0
REAL ESTATE SELECT SECTOR SPDR FUND Equities 81369Y860   80,226 1,917 SH   OTR 2 0 1,917 0
UTILITIES SELECT SECTOR SPDR FUND Equities 81369Y886   102,899 1,305 SH   OTR 2 0 1,305 0
SNOWFLAKE INC CL A Equities 833445109   22,216 152 SH   OTR 2 0 152 0
STARBUCKS CORP Equities 855244109   178,033 1,815 SH   OTR 2 0 1,815 0
STRYKER CORPORATION Equities 863667101   436,649 1,173 SH   OTR 2 0 1,173 0
SYSCO CORP Equities 871829107   19,510 260 SH   OTR 2 0 260 0
TJX COS INC Equities 872540109   236,901 1,945 SH   OTR 2 0 1,945 0
T-MOBILE US INC Equities 872590104   66,411 249 SH   OTR 2 0 249 0
TERADYNE INC Equities 880770102   41,052 497 SH   OTR 2 0 497 0
TESLA INC Equities 88160R101   56,497 218 SH   OTR 2 0 218 0
TEXAS INSTRUMENTS INC Equities 882508104   0 0 SH   OTR 2 0 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102   114,436 230 SH   OTR 2 0 230 0
3M CO Equities 88579Y101   433,237 2,950 SH   OTR 2 0 2,950 0
TRAVELERS COMPANIES INC Equities 89417E109   24,595 93 SH   OTR 2 0 93 0
UNION PAC CORP Equities 907818108   100,869 427 SH   OTR 2 0 427 0
UNITEDHEALTH GROUP INC Equities 91324P102   156,078 298 SH   OTR 2 0 298 0
VANGUARD TOTAL BOND MARKET ETF Equities 921937835   0 0 SH   OTR 2 0 0 0
VANGUARD SHORT TERM CORP BOND ETF Equities 92206C409   483,665 6,127 SH   OTR 2 0 6,127 0
VANGUARD S&P 500 ETF Equities 922908363   1,004,180 1,954 SH   OTR 2 0 1,954 0
VANGUARD REAL ESTATE ETF Equities 922908553   135,810 1,500 SH   OTR 2 0 1,500 0
VANGUARD MID-CAP ETF Equities 922908629   2,604,021 10,069 SH   OTR 2 0 10,069 0
VANGUARD SMALL-CAP ETF Equities 922908751   854,403 3,853 SH   OTR 2 0 3,853 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769   0 0 SH   OTR 2 0 0 0
VERIZON COMMUNICATIONS Equities 92343V104   89,631 1,976 SH   OTR 2 0 1,976 0
VERTEX PHARMACEUTICALS INC Equities 92532F100   211,382 436 SH   OTR 2 0 436 0
VISA INC CL A Equities 92826C839   441,564 1,260 SH   OTR 2 0 1,260 0
WALMART INC Equities 931142103   155,827 1,775 SH   OTR 2 0 1,775 0
WELLS FARGO & CO Equities 949746101   66,406 925 SH   OTR 2 0 925 0
WILLIAMS COS INC Equities 969457100   75,775 1,268 SH   OTR 2 0 1,268 0
YUM BRANDS INC Equities 988498101   11,330 72 SH   OTR 2 0 72 0
LYONDELLBASELL INDUSTRIES NV Equities N53745100   7,251 103 SH   OTR 2 0 103 0