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   197,482 6,993 SH   DFND 2 6,993 0 0
ABBOTT LABS Equities 002824100   2,286,758 17,073 SH   DFND 2 17,073 0 0
ABBVIE INC Equities 00287Y109   1,024,333 4,424 SH   DFND 2 4,424 0 0
ADOBE INC Equities 00724F101   2,295,344 6,507 SH   DFND 2 6,507 0 0
ALPHABET INC CL C Equities 02079K107   2,538,278 10,422 SH   DFND 2 10,422 0 0
ALPHABET INC CL A Equities 02079K305   12,522,810 51,513 SH   DFND 2 51,513 0 0
AMAZON.COM INC Equities 023135106   8,149,121 37,114 SH   DFND 2 37,114 0 0
AMERICAN ELEC PWR INC Equities 025537101   806,513 7,169 SH   DFND 2 7,169 0 0
AMERICAN EXPRESS CO Equities 025816109   667,309 2,009 SH   DFND 2 2,009 0 0
AMERICAN WATER WORKS CO INC Equities 030420103   1,095,425 7,870 SH   DFND 2 7,870 0 0
AMGEN INC Equities 031162100   2,669,612 9,460 SH   DFND 2 9,460 0 0
AMPHENOL CORP CL A Equities 032095101   5,091,446 41,143 SH   DFND 2 41,143 0 0
APPLE INC Equities 037833100   16,640,325 65,351 SH   DFND 2 65,351 0 0
APPLIED MATERIALS INC Equities 038222105   344,987 1,685 SH   DFND 2 1,685 0 0
ARROW FINANCIAL CORPORATION Equities 042744102   52,231,640 1,845,641 SH   DFND 2 1,845,641 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   357,190 1,217 SH   DFND 2 1,217 0 0
BANK OF AMERICA CORP Equities 060505104   3,238,150 62,767 SH   DFND 2 62,767 0 0
BERKSHIRE HATHAWAY INC-CL B Equities 084670702   4,148,610 8,252 SH   DFND 2 8,252 0 0
BLACKROCK INC Equities 09290D101   3,910,328 3,354 SH   DFND 2 3,354 0 0
BRISTOL MYERS SQUIBB CO Equities 110122108   180,851 4,010 SH   DFND 2 4,010 0 0
BROADCOM INC Equities 11135F101   1,308,753 3,967 SH   DFND 2 3,967 0 0
CARRIER GLOBAL CORP Equities 14448C104   16,418 275 SH   DFND 2 275 0 0
CATERPILLAR INC Equities 149123101   3,069,029 6,432 SH   DFND 2 6,432 0 0
CHEVRON CORPORATION Equities 166764100   950,220 6,119 SH   DFND 2 6,119 0 0
CISCO SYSTEMS INC Equities 17275R102   3,260,350 47,652 SH   DFND 2 47,652 0 0
COCA COLA CO Equities 191216100   2,187,764 32,988 SH   DFND 2 32,988 0 0
COLGATE PALMOLIVE CO Equities 194162103   176,587 2,209 SH   DFND 2 2,209 0 0
CONOCOPHILLIPS Equities 20825C104   1,339,584 14,162 SH   DFND 2 14,162 0 0
COSTCO WHOLESALE CORP Equities 22160K105   3,322,086 3,589 SH   DFND 2 3,589 0 0
CUMMINS INC Equities 231021106   1,903,622 4,507 SH   DFND 2 4,507 0 0
DANAHER CORP Equities 235851102   1,644,963 8,297 SH   DFND 2 8,297 0 0
DISNEY WALT CO NEW Equities 254687106   2,674,491 23,358 SH   DFND 2 23,358 0 0
DOLLAR TREE INC Equities 256746108   265,652 2,815 SH   DFND 2 2,815 0 0
DOMINION ENERGY INC Equities 25746U109   831,300 13,590 SH   DFND 2 13,590 0 0
EASTMAN CHEMICAL CO Equities 277432100   490,718 7,783 SH   DFND 2 7,783 0 0
ECOLAB INC Equities 278865100   491,031 1,793 SH   DFND 2 1,793 0 0
EMERSON ELEC CO Equities 291011104   173,158 1,320 SH   DFND 2 1,320 0 0
EXXON MOBIL CORP Equities 30231G102   2,568,220 22,778 SH   DFND 2 22,778 0 0
META PLATFORMS INC CL A Equities 30303M102   5,390,349 7,340 SH   DFND 2 7,340 0 0
FISERV INC Equities 337738108   279,649 2,169 SH   DFND 2 2,169 0 0
FORD MOTOR CO DEL Equities 345370860   128,917 10,779 SH   DFND 2 10,779 0 0
GE VERNOVA LLC Equities 36828A101   501,758 816 SH   DFND 2 816 0 0
GENERAL DYNAMICS CORP Equities 369550108   2,287,428 6,708 SH   DFND 2 6,708 0 0
GE AEROSPACE Equities 369604301   956,307 3,179 SH   DFND 2 3,179 0 0
GENERAL MLS INC Equities 370334104   204,151 4,049 SH   DFND 2 4,049 0 0
GOLDMAN SACHS GROUP INC Equities 38141G104   264,388 332 SH   DFND 2 332 0 0
HOME DEPOT INC Equities 437076102   5,257,340 12,975 SH   DFND 2 12,975 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106   2,103,527 9,993 SH   DFND 2 9,993 0 0
INGERSOLL-RAND INC Equities 45687V106   1,276,396 15,449 SH   DFND 2 15,449 0 0
INTEL CORP Equities 458140100   203,481 6,065 SH   DFND 2 6,065 0 0
INTERCONTINENTAL EXCHANGE GROUP, INC Equities 45866F104   3,159,168 18,751 SH   DFND 2 18,751 0 0
INTL. BUSINESS MACHINES CORP Equities 459200101   322,791 1,144 SH   DFND 2 1,144 0 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   91,211,813 151,926 SH   DFND 2 151,926 0 0
INTUIT INC Equities 461202103   12,292 18 SH   DFND 2 18 0 0
ISHARES CORE S&P 500 ETF Equities 464287200   886,823 1,325 SH   DFND 2 1,325 0 0
ISHARES CORE U.S. AGGREGATE Equities 464287226   6,508,832 64,926 SH   DFND 2 64,926 0 0
ISHARES BARCLAYS 1-3 YEAR TR ETF Equities 464287457   143,189 1,726 SH   DFND 2 1,726 0 0
ISHARES RUSSELL MIDCAP ETF Equities 464287499   393,538 4,076 SH   DFND 2 4,076 0 0
ISHARES CORE S&P MID-CAP ETF Equities 464287507   56,195,256 861,099 SH   DFND 2 861,099 0 0
ISHARES CORE S&P SMALL-CAP ETF Equities 464287804   44,083,558 370,982 SH   DFND 2 370,982 0 0
ISHARES NEW YORK MUNI BOND ETF Mutual Funds 464288323   4,592,101 86,075 SH   DFND 2 86,075 0 0
ISHARES NATIONAL MUNI BOND ETF Mutual Funds 464288414   1,082,258 10,163 SH   DFND 2 10,163 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF Equities 464288653   4,597,886 44,644 SH   DFND 2 44,644 0 0
ISHARES ESG AWARE 1-5 YEAR USD ETF Equities 46435G243   621,234 24,545 SH   DFND 2 24,545 0 0
ISHARES CORE MSCI DEV MKTS ETF Equities 46435G326   39,504,890 492,764 SH   DFND 2 492,764 0 0
ISHARES IBONDS DEC 2026 TERM CORP Equities 46435GAA0   13,405,241 551,656 SH   DFND 2 551,656 0 0
ISHARES IBONDS 2025 H/Y INC ETF Equities 46435U168   14,960,855 644,309 SH   DFND 2 644,309 0 0
ISHARES IBONDS DEC 2026 MUNI ETF Mutual Funds 46435U259   242,513 9,451 SH   DFND 2 9,451 0 0
ISHARES IBONDS DEC 2027 MUNI ETF Mutual Funds 46435U283   242,446 9,517 SH   DFND 2 9,517 0 0
ISHARES IBONDS DEC 2028 TERM MUNI Mutual Funds 46435U325   242,247 9,448 SH   DFND 2 9,448 0 0
ISHARES IBONDS DEC 2025 MUNI ETF Mutual Funds 46435U432   241,271 9,006 SH   DFND 2 9,006 0 0
ISHARES IBONDS DEC 2028 TERM CORP Equities 46435U515   13,712,585 537,327 SH   DFND 2 537,327 0 0
ISHARES IBONDS DEC 2027 TERM CORP Equities 46435UAA9   13,321,136 547,294 SH   DFND 2 547,294 0 0
ISHARES IBONDS DEC 2033 CORP Equities 46436E130   14,116,461 538,180 SH   DFND 2 538,180 0 0
ISHARES IBONDS DEC 2029 TERM CORP Equities 46436E205   13,845,399 589,919 SH   DFND 2 589,919 0 0
ISHARES IBONDS DEC 2032 TC ETF Equities 46436E312   14,436,537 563,487 SH   DFND 2 563,487 0 0
ISHARES IBONDS DEC 2031 TERM CORP Equities 46436E486   13,993,062 659,428 SH   DFND 2 659,428 0 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INC Equities 46436E528   20,731,867 886,356 SH   DFND 2 886,356 0 0
ISHARES IBONDS DEC 2030 TERM CORP Equities 46436E726   13,973,859 630,874 SH   DFND 2 630,874 0 0
ISHARES IBONDS DEC 2034 TM CORP Equities 46438G653   7,390,927 279,219 SH   DFND 2 279,219 0 0
JP MORGAN CHASE & CO Equities 46625H100   6,308,600 20,000 SH   DFND 2 20,000 0 0
JOHNSON & JOHNSON Equities 478160104   2,786,863 15,030 SH   DFND 2 15,030 0 0
LENNAR CORP CL A Equities 526057104   428,914 3,403 SH   DFND 2 3,403 0 0
LILLY ELI & CO Equities 532457108   2,914,660 3,820 SH   DFND 2 3,820 0 0
LOCKHEED MARTIN CORP Equities 539830109   203,678 408 SH   DFND 2 408 0 0
LOWES COS INC Equities 548661107   1,099,984 4,377 SH   DFND 2 4,377 0 0
MARVELL TECHNOLOGY INC Equities 573874104   1,973,543 23,475 SH   DFND 2 23,475 0 0
MASCO CORP Equities 574599106   1,646,422 23,390 SH   DFND 2 23,390 0 0
MASTERCARD INC CL A Equities 57636Q104   1,953,862 3,435 SH   DFND 2 3,435 0 0
MCDONALDS CORP Equities 580135101   2,732,883 8,993 SH   DFND 2 8,993 0 0
MERCK & CO INC Equities 58933Y105   321,452 3,830 SH   DFND 2 3,830 0 0
MICROSOFT CORP Equities 594918104   15,983,419 30,859 SH   DFND 2 30,859 0 0
MORGAN STANLEY Equities 617446448   2,405,383 15,132 SH   DFND 2 15,132 0 0
NETFLIX INC Equities 64110L106   3,654,308 3,048 SH   DFND 2 3,048 0 0
NEXTERA ENERGY INC Equities 65339F101   473,322 6,270 SH   DFND 2 6,270 0 0
NORFOLK SOUTHERN CORP Equities 655844108   227,410 757 SH   DFND 2 757 0 0
NVIDIA CORP Equities 67066G104   17,138,306 91,855 SH   DFND 2 91,855 0 0
NUVEEN ESG SMALL-CAP ETF Equities 67092P607   227,115 5,150 SH   DFND 2 5,150 0 0
OPKO HEALTH INC COM Equities 68375N103   38,750 25,000 SH   DFND 2 25,000 0 0
ORACLE CORPORATION Equities 68389X105   7,477,047 26,586 SH   DFND 2 26,586 0 0
PALO ALTO NETWORKS INC Equities 697435105   2,236,358 10,983 SH   DFND 2 10,983 0 0
PAYCHEX INC Equities 704326107   226,013 1,783 SH   DFND 2 1,783 0 0
PEPSICO INC Equities 713448108   1,071,417 7,629 SH   DFND 2 7,629 0 0
PFIZER INC Equities 717081103   66,070 2,593 SH   DFND 2 2,593 0 0
PIMCO ENHANCED SHORT MATURITY ETF Equities 72201R833   915,071 9,088 SH   DFND 2 9,088 0 0
T ROWE PRICE GROUP INC Equities 74144T108   146,570 1,428 SH   DFND 2 1,428 0 0
PROCTER & GAMBLE CO Equities 742718109   2,487,594 16,190 SH   DFND 2 16,190 0 0
QUANTA SERVICES INC Equities 74762E102   1,783,664 4,304 SH   DFND 2 4,304 0 0
RTX CORPORATION Equities 75513E101   357,919 2,139 SH   DFND 2 2,139 0 0
SPDR S&P 500 ETF TRUST Equities 78462F103   4,928,400 7,398 SH   DFND 2 7,398 0 0
SPDR GOLD TRUST Equities 78463V107   612,119 1,722 SH   DFND 2 1,722 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF Equities 78464A409   506,037 4,842 SH   DFND 2 4,842 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF Equities 78464A508   43,328,204 783,087 SH   DFND 2 783,087 0 0
SPDR S&P DIVIDEND ETF Equities 78464A763   229,962 1,642 SH   DFND 2 1,642 0 0
SALESFORCE INC Equities 79466L302   3,531,063 14,899 SH   DFND 2 14,899 0 0
MATERIALS SELECT SECTOR SPDR FUND Equities 81369Y100   1,232,383 13,753 SH   DFND 2 13,753 0 0
HEALTH CARE SELECT SECTOR SPDR FUND Equities 81369Y209   467,055 3,356 SH   DFND 2 3,356 0 0
CONS STAPLES SELECT SECT SPDR FUND Equities 81369Y308   65,909 841 SH   DFND 2 841 0 0
CONS DISC SELECT SECTOR SPDR FUND Equities 81369Y407   242,036 1,010 SH   DFND 2 1,010 0 0
ENERGY SELECT SECTOR SPDR FUND Equities 81369Y506   200,300 2,242 SH   DFND 2 2,242 0 0
FINANCIAL SELECT SECTOR SPDR FUND Equities 81369Y605   679,085 12,606 SH   DFND 2 12,606 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND Equities 81369Y704   501,248 3,250 SH   DFND 2 3,250 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND Equities 81369Y803   1,034,990 3,672 SH   DFND 2 3,672 0 0
COMM. SERV. SELECT SECTOR SPDR FUND Equities 81369Y852   108,900 920 SH   DFND 2 920 0 0
REAL ESTATE SELECT SECTOR SPDR FUND Equities 81369Y860   10,307,315 244,655 SH   DFND 2 244,655 0 0
UTILITIES SELECT SECTOR SPDR FUND Equities 81369Y886   759,425 8,708 SH   DFND 2 8,708 0 0
SHERWIN WILLIAMS CO Equities 824348106   206,717 597 SH   DFND 2 597 0 0
SNOWFLAKE INC CL A Equities 833445109   637,179 2,825 SH   DFND 2 2,825 0 0
SOUTHERN COMPANY Equities 842587107   515,738 5,442 SH   DFND 2 5,442 0 0
STARBUCKS CORP Equities 855244109   215,984 2,553 SH   DFND 2 2,553 0 0
STRYKER CORPORATION Equities 863667101   2,681,956 7,255 SH   DFND 2 7,255 0 0
SYSCO CORP Equities 871829107   957,285 11,626 SH   DFND 2 11,626 0 0
TJX COS INC Equities 872540109   2,898,316 20,052 SH   DFND 2 20,052 0 0
T-MOBILE US INC Equities 872590104   2,499,127 10,440 SH   DFND 2 10,440 0 0
TERADYNE INC Equities 880770102   930,584 6,761 SH   DFND 2 6,761 0 0
TESLA INC Equities 88160R101   1,870,048 4,205 SH   DFND 2 4,205 0 0
TEXAS INSTRUMENTS INC Equities 882508104   632,215 3,441 SH   DFND 2 3,441 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102   2,500,763 5,156 SH   DFND 2 5,156 0 0
3M CO Equities 88579Y101   242,857 1,565 SH   DFND 2 1,565 0 0
TORONTO DOMINION BANK Equities 891160509   46,691 584 SH   DFND 2 584 0 0
TRAVELERS COMPANIES INC Equities 89417E109   2,385,935 8,545 SH   DFND 2 8,545 0 0
UBER TECHNOLOGIES INC Equities 90353T100   261,482 2,669 SH   DFND 2 2,669 0 0
UNION PAC CORP Equities 907818108   1,819,576 7,698 SH   DFND 2 7,698 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   1,290,731 3,738 SH   DFND 2 3,738 0 0
VANGUARD TOTAL BOND MARKET ETF Equities 921937835   1,344,758 18,082 SH   DFND 2 18,082 0 0
VANGUARD SHORT TERM CORP BOND ETF Equities 92206C409   4,859,904 60,802 SH   DFND 2 60,802 0 0
VANGUARD S&P 500 ETF Equities 922908363   128,888,231 210,471 SH   DFND 2 210,471 0 0
VANGUARD REAL ESTATE ETF Equities 922908553   554,371 6,064 SH   DFND 2 6,064 0 0
VANGUARD MID-CAP ETF Equities 922908629   26,431,342 89,983 SH   DFND 2 89,983 0 0
VANGUARD SMALL-CAP ETF Equities 922908751   11,063,469 43,509 SH   DFND 2 43,509 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769   452,218 1,378 SH   DFND 2 1,378 0 0
VERIZON COMMUNICATIONS Equities 92343V104   359,335 8,176 SH   DFND 2 8,176 0 0
VERTEX PHARMACEUTICALS INC Equities 92532F100   1,096,984 2,801 SH   DFND 2 2,801 0 0
VISA INC CL A Equities 92826C839   4,302,754 12,604 SH   DFND 2 12,604 0 0
WALMART INC Equities 931142103   3,202,899 31,078 SH   DFND 2 31,078 0 0
WELLS FARGO & CO Equities 949746101   401,414 4,789 SH   DFND 2 4,789 0 0
WILLIAMS COS INC Equities 969457100   2,229,793 35,198 SH   DFND 2 35,198 0 0
YUM BRANDS INC Equities 988498101   1,453,272 9,561 SH   DFND 2 9,561 0 0
EATON CORP PLC Equities G29183103   69,611 186 SH   DFND 2 186 0 0
LYONDELLBASELL INDUSTRIES NV Equities N53745100   331,412 6,758 SH   DFND 2 6,758 0 0
AT&T INC Equities 00206R102   35,950 1,273 SH   OTR 2 0 1,273 0
ABBOTT LABS Equities 002824100   57,058 426 SH   OTR 2 0 426 0
ABBVIE INC Equities 00287Y109   301,002 1,300 SH   OTR 2 0 1,300 0
ADOBE INC Equities 00724F101   67,375 191 SH   OTR 2 0 191 0
ALPHABET INC CL C Equities 02079K107   266,687 1,095 SH   OTR 2 0 1,095 0
ALPHABET INC CL A Equities 02079K305   1,308,850 5,384 SH   OTR 2 0 5,384 0
AMAZON.COM INC Equities 023135106   473,173 2,155 SH   OTR 2 0 2,155 0
AMERICAN EXPRESS CO Equities 025816109   332,160 1,000 SH   OTR 2 0 1,000 0
AMERICAN WATER WORKS CO INC Equities 030420103   35,354 254 SH   OTR 2 0 254 0
AMGEN INC Equities 031162100   90,586 321 SH   OTR 2 0 321 0
AMPHENOL CORP CL A Equities 032095101   142,065 1,148 SH   OTR 2 0 1,148 0
APPLE INC Equities 037833100   1,688,452 6,631 SH   OTR 2 0 6,631 0
ARROW FINANCIAL CORPORATION Equities 042744102   330,855 11,691 SH   OTR 2 0 11,691 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   692,954 2,361 SH   OTR 2 0 2,361 0
BANK OF AMERICA CORP Equities 060505104   207,908 4,030 SH   OTR 2 0 4,030 0
BERKSHIRE HATHAWAY INC-CL B Equities 084670702   472,576 940 SH   OTR 2 0 940 0
BLACKROCK INC Equities 09290D101   232,008 199 SH   OTR 2 0 199 0
BRISTOL MYERS SQUIBB CO Equities 110122108   69,229 1,535 SH   OTR 2 0 1,535 0
CARRIER GLOBAL CORP Equities 14448C104   280,590 4,700 SH   OTR 2 0 4,700 0
CATERPILLAR INC Equities 149123101   490,987 1,029 SH   OTR 2 0 1,029 0
CHEVRON CORPORATION Equities 166764100   302,660 1,949 SH   OTR 2 0 1,949 0
CISCO SYSTEMS INC Equities 17275R102   85,183 1,245 SH   OTR 2 0 1,245 0
COCA COLA CO Equities 191216100   113,805 1,716 SH   OTR 2 0 1,716 0
COLGATE PALMOLIVE CO Equities 194162103   440,869 5,515 SH   OTR 2 0 5,515 0
CONOCOPHILLIPS Equities 20825C104   106,981 1,131 SH   OTR 2 0 1,131 0
COSTCO WHOLESALE CORP Equities 22160K105   83,307 90 SH   OTR 2 0 90 0
CUMMINS INC Equities 231021106   61,666 146 SH   OTR 2 0 146 0
DANAHER CORP Equities 235851102   21,610 109 SH   OTR 2 0 109 0
DISNEY WALT CO NEW Equities 254687106   139,576 1,219 SH   OTR 2 0 1,219 0
DOMINION ENERGY INC Equities 25746U109   25,569 418 SH   OTR 2 0 418 0
ECOLAB INC Equities 278865100   232,781 850 SH   OTR 2 0 850 0
EMERSON ELEC CO Equities 291011104   343,692 2,620 SH   OTR 2 0 2,620 0
EXXON MOBIL CORP Equities 30231G102   867,724 7,696 SH   OTR 2 0 7,696 0
META PLATFORMS INC CL A Equities 30303M102   333,409 454 SH   OTR 2 0 454 0
GENERAL DYNAMICS CORP Equities 369550108   34,100 100 SH   OTR 2 0 100 0
GOLDMAN SACHS GROUP INC Equities 38141G104   19,909 25 SH   OTR 2 0 25 0
HOME DEPOT INC Equities 437076102   534,040 1,318 SH   OTR 2 0 1,318 0
HONEYWELL INTERNATIONAL INC Equities 438516106   97,672 464 SH   OTR 2 0 464 0
INGERSOLL-RAND INC Equities 45687V106   55,355 670 SH   OTR 2 0 670 0
INTEL CORP Equities 458140100   85,217 2,540 SH   OTR 2 0 2,540 0
INTERCONTINENTAL EXCHANGE GROUP, INC Equities 45866F104   120,295 714 SH   OTR 2 0 714 0
INTL. BUSINESS MACHINES CORP Equities 459200101   1,050,482 3,723 SH   OTR 2 0 3,723 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   301,386 502 SH   OTR 2 0 502 0
INTUIT INC Equities 461202103   512,183 750 SH   OTR 2 0 750 0
ISHARES BARCLAYS 1-3 YEAR TR ETF Equities 464287457   124,440 1,500 SH   OTR 2 0 1,500 0
ISHARES CORE S&P MID-CAP ETF Equities 464287507   304,894 4,672 SH   OTR 2 0 4,672 0
ISHARES CORE S&P SMALL-CAP ETF Equities 464287804   819,210 6,894 SH   OTR 2 0 6,894 0
ISHARES 10-20 YEAR TREASURY BOND ETF Equities 464288653   319,681 3,104 SH   OTR 2 0 3,104 0
ISHARES CORE MSCI DEV MKTS ETF Equities 46435G326   795,206 9,919 SH   OTR 2 0 9,919 0
ISHARES IBONDS DEC 2026 TERM CORP Equities 46435GAA0   182,056 7,492 SH   OTR 2 0 7,492 0
ISHARES IBONDS 2025 H/Y INC ETF Equities 46435U168   585,725 25,225 SH   OTR 2 0 25,225 0
ISHARES IBONDS DEC 2028 TERM CORP Equities 46435U515   182,315 7,144 SH   OTR 2 0 7,144 0
ISHARES IBONDS DEC 2027 TERM CORP Equities 46435UAA9   234,613 9,639 SH   OTR 2 0 9,639 0
ISHARES IBONDS DEC 2033 CORP Equities 46436E130   345,502 13,172 SH   OTR 2 0 13,172 0
ISHARES IBONDS DEC 2029 TERM CORP Equities 46436E205   289,948 12,354 SH   OTR 2 0 12,354 0
ISHARES IBONDS DEC 2032 TC ETF Equities 46436E312   345,588 13,489 SH   OTR 2 0 13,489 0
ISHARES IBONDS DEC 2031 TERM CORP Equities 46436E486   345,334 16,274 SH   OTR 2 0 16,274 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INC Equities 46436E528   355,645 15,205 SH   OTR 2 0 15,205 0
ISHARES IBONDS DEC 2030 TERM CORP Equities 46436E726   291,339 13,153 SH   OTR 2 0 13,153 0
ISHARES IBONDS DEC 2034 TM CORP Equities 46438G653   222,692 8,413 SH   OTR 2 0 8,413 0
JP MORGAN CHASE & CO Equities 46625H100   1,900,466 6,025 SH   OTR 2 0 6,025 0
JOHNSON & JOHNSON Equities 478160104   945,457 5,099 SH   OTR 2 0 5,099 0
LENNAR CORP CL A Equities 526057104   14,495 115 SH   OTR 2 0 115 0
LILLY ELI & CO Equities 532457108   1,078,882 1,414 SH   OTR 2 0 1,414 0
LOWES COS INC Equities 548661107   144,503 575 SH   OTR 2 0 575 0
MARVELL TECHNOLOGY INC Equities 573874104   105,508 1,255 SH   OTR 2 0 1,255 0
MASCO CORP Equities 574599106   18,724 266 SH   OTR 2 0 266 0
MASTERCARD INC CL A Equities 57636Q104   34,129 60 SH   OTR 2 0 60 0
MCDONALDS CORP Equities 580135101   53,181 175 SH   OTR 2 0 175 0
MERCK & CO INC Equities 58933Y105   264,799 3,155 SH   OTR 2 0 3,155 0
MICROSOFT CORP Equities 594918104   2,486,678 4,801 SH   OTR 2 0 4,801 0
MORGAN STANLEY Equities 617446448   270,232 1,700 SH   OTR 2 0 1,700 0
NETFLIX INC Equities 64110L106   251,773 210 SH   OTR 2 0 210 0
NEXTERA ENERGY INC Equities 65339F101   155,056 2,054 SH   OTR 2 0 2,054 0
NORFOLK SOUTHERN CORP Equities 655844108   127,674 425 SH   OTR 2 0 425 0
NVIDIA CORP Equities 67066G104   1,813,558 9,720 SH   OTR 2 0 9,720 0
ORACLE CORPORATION Equities 68389X105   1,390,732 4,945 SH   OTR 2 0 4,945 0
PALO ALTO NETWORKS INC Equities 697435105   114,842 564 SH   OTR 2 0 564 0
PAYCHEX INC Equities 704326107   75,422 595 SH   OTR 2 0 595 0
PEPSICO INC Equities 713448108   400,394 2,851 SH   OTR 2 0 2,851 0
PFIZER INC Equities 717081103   239,512 9,400 SH   OTR 2 0 9,400 0
PIMCO ENHANCED SHORT MATURITY ETF Equities 72201R833   99,180 985 SH   OTR 2 0 985 0
T ROWE PRICE GROUP INC Equities 74144T108   89,810 875 SH   OTR 2 0 875 0
PROCTER & GAMBLE CO Equities 742718109   484,458 3,153 SH   OTR 2 0 3,153 0
QUANTA SERVICES INC Equities 74762E102   59,676 144 SH   OTR 2 0 144 0
RTX CORPORATION Equities 75513E101   869,279 5,195 SH   OTR 2 0 5,195 0
SPDR PORTFOLIO S&P 500 VALUE ETF Equities 78464A508   88,362 1,597 SH   OTR 2 0 1,597 0
SALESFORCE INC Equities 79466L302   190,074 802 SH   OTR 2 0 802 0
MATERIALS SELECT SECTOR SPDR FUND Equities 81369Y100   143,194 1,598 SH   OTR 2 0 1,598 0
HEALTH CARE SELECT SECTOR SPDR FUND Equities 81369Y209   352,239 2,531 SH   OTR 2 0 2,531 0
CONS STAPLES SELECT SECT SPDR FUND Equities 81369Y308   194,828 2,486 SH   OTR 2 0 2,486 0
CONS DISC SELECT SECTOR SPDR FUND Equities 81369Y407   433,988 1,811 SH   OTR 2 0 1,811 0
ENERGY SELECT SECTOR SPDR FUND Equities 81369Y506   105,421 1,180 SH   OTR 2 0 1,180 0
FINANCIAL SELECT SECTOR SPDR FUND Equities 81369Y605   550,875 10,226 SH   OTR 2 0 10,226 0
INDUSTRIAL SELECT SECTOR SPDR FUND Equities 81369Y704   326,813 2,119 SH   OTR 2 0 2,119 0
TECHNOLOGY SELECT SECTOR SPDR FUND Equities 81369Y803   1,343,345 4,766 SH   OTR 2 0 4,766 0
COMM. SERV. SELECT SECTOR SPDR FUND Equities 81369Y852   385,294 3,255 SH   OTR 2 0 3,255 0
REAL ESTATE SELECT SECTOR SPDR FUND Equities 81369Y860   163,338 3,877 SH   OTR 2 0 3,877 0
UTILITIES SELECT SECTOR SPDR FUND Equities 81369Y886   126,803 1,454 SH   OTR 2 0 1,454 0
SNOWFLAKE INC CL A Equities 833445109   34,284 152 SH   OTR 2 0 152 0
SOUTHERN COMPANY Equities 842587107   28,431 300 SH   OTR 2 0 300 0
STARBUCKS CORP Equities 855244109   153,549 1,815 SH   OTR 2 0 1,815 0
STRYKER CORPORATION Equities 863667101   433,623 1,173 SH   OTR 2 0 1,173 0
SYSCO CORP Equities 871829107   21,408 260 SH   OTR 2 0 260 0
TJX COS INC Equities 872540109   281,130 1,945 SH   OTR 2 0 1,945 0
T-MOBILE US INC Equities 872590104   59,606 249 SH   OTR 2 0 249 0
TERADYNE INC Equities 880770102   68,407 497 SH   OTR 2 0 497 0
TESLA INC Equities 88160R101   96,949 218 SH   OTR 2 0 218 0
THERMO FISHER SCIENTIFIC INC Equities 883556102   111,555 230 SH   OTR 2 0 230 0
3M CO Equities 88579Y101   457,781 2,950 SH   OTR 2 0 2,950 0
TORONTO DOMINION BANK Equities 891160509   166,616 2,084 SH   OTR 2 0 2,084 0
TRAVELERS COMPANIES INC Equities 89417E109   25,967 93 SH   OTR 2 0 93 0
UNION PAC CORP Equities 907818108   100,930 427 SH   OTR 2 0 427 0
UNITEDHEALTH GROUP INC Equities 91324P102   102,899 298 SH   OTR 2 0 298 0
VANGUARD SHORT TERM CORP BOND ETF Equities 92206C409   489,731 6,127 SH   OTR 2 0 6,127 0
VANGUARD S&P 500 ETF Equities 922908363   1,147,600 1,874 SH   OTR 2 0 1,874 0
VANGUARD REAL ESTATE ETF Equities 922908553   137,130 1,500 SH   OTR 2 0 1,500 0
VANGUARD MID-CAP ETF Equities 922908629   2,932,965 9,985 SH   OTR 2 0 9,985 0
VANGUARD SMALL-CAP ETF Equities 922908751   979,741 3,853 SH   OTR 2 0 3,853 0
VERIZON COMMUNICATIONS Equities 92343V104   86,845 1,976 SH   OTR 2 0 1,976 0
VERTEX PHARMACEUTICALS INC Equities 92532F100   170,755 436 SH   OTR 2 0 436 0
VISA INC CL A Equities 92826C839   428,432 1,255 SH   OTR 2 0 1,255 0
WALMART INC Equities 931142103   182,932 1,775 SH   OTR 2 0 1,775 0
WELLS FARGO & CO Equities 949746101   77,534 925 SH   OTR 2 0 925 0
WILLIAMS COS INC Equities 969457100   80,328 1,268 SH   OTR 2 0 1,268 0
YUM BRANDS INC Equities 988498101   10,944 72 SH   OTR 2 0 72 0
EATON CORP PLC Equities G29183103   177,769 475 SH   OTR 2 0 475 0
LYONDELLBASELL INDUSTRIES NV Equities N53745100   5,051 103 SH   OTR 2 0 103 0