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
AB NEW YORK INTERMEDIATE MUNI ETF Equities 00039J764   6,290,233 251,559 SH   DFND 2 251,559 0 0
AT&T INC Equities 00206R102   202,024 8,133 SH   DFND 2 8,133 0 0
ABBOTT LABS Equities 002824100   2,206,733 17,613 SH   DFND 2 17,613 0 0
ABBVIE INC Equities 00287Y109   1,181,065 5,169 SH   DFND 2 5,169 0 0
ADOBE INC Equities 00724F101   2,068,791 5,911 SH   DFND 2 5,911 0 0
ALPHABET INC CL C Equities 02079K107   3,321,887 10,586 SH   DFND 2 10,586 0 0
ALPHABET INC CL A Equities 02079K305   15,803,370 50,490 SH   DFND 2 50,490 0 0
AMAZON.COM INC Equities 023135106   8,477,788 36,729 SH   DFND 2 36,729 0 0
AMERICAN ELEC PWR INC Equities 025537101   991,089 8,595 SH   DFND 2 8,595 0 0
AMERICAN EXPRESS CO Equities 025816109   865,313 2,339 SH   DFND 2 2,339 0 0
AMERICAN WATER WORKS CO INC Equities 030420103   981,360 7,520 SH   DFND 2 7,520 0 0
AMGEN INC Equities 031162100   2,862,326 8,745 SH   DFND 2 8,745 0 0
AMPHENOL CORP CL A Equities 032095101   5,235,999 38,745 SH   DFND 2 38,745 0 0
APPLE INC Equities 037833100   17,906,331 65,866 SH   DFND 2 65,866 0 0
APPLIED MATERIALS INC Equities 038222105   433,028 1,685 SH   DFND 2 1,685 0 0
ARROW FINANCIAL CORPORATION Equities 042744102   58,605,054 1,866,403 SH   DFND 2 1,866,403 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   297,358 1,156 SH   DFND 2 1,156 0 0
BANK OF AMERICA CORP Equities 060505104   3,358,905 61,071 SH   DFND 2 61,071 0 0
BERKSHIRE HATHAWAY INC-CL B Equities 084670702   4,447,447 8,848 SH   DFND 2 8,848 0 0
BLACKROCK INC Equities 09290D101   3,573,865 3,339 SH   DFND 2 3,339 0 0
BRISTOL MYERS SQUIBB CO Equities 110122108   271,912 5,041 SH   DFND 2 5,041 0 0
BROADCOM INC Equities 11135F101   1,697,274 4,904 SH   DFND 2 4,904 0 0
CARRIER GLOBAL CORP Equities 14448C104   14,531 275 SH   DFND 2 275 0 0
CATERPILLAR INC Equities 149123101   3,422,898 5,975 SH   DFND 2 5,975 0 0
CHEVRON CORPORATION Equities 166764100   1,010,326 6,629 SH   DFND 2 6,629 0 0
CISCO SYSTEMS INC Equities 17275R102   3,521,581 45,717 SH   DFND 2 45,717 0 0
COCA COLA CO Equities 191216100   2,307,030 33,000 SH   DFND 2 33,000 0 0
COLGATE PALMOLIVE CO Equities 194162103   148,083 1,874 SH   DFND 2 1,874 0 0
CONOCOPHILLIPS Equities 20825C104   1,340,027 14,315 SH   DFND 2 14,315 0 0
COSTCO WHOLESALE CORP Equities 22160K105   2,986,283 3,463 SH   DFND 2 3,463 0 0
CUMMINS INC Equities 231021106   2,104,075 4,122 SH   DFND 2 4,122 0 0
DANAHER CORP Equities 235851102   1,908,964 8,339 SH   DFND 2 8,339 0 0
DISNEY WALT CO NEW Equities 254687106   2,766,318 24,315 SH   DFND 2 24,315 0 0
DOLLAR TREE INC Equities 256746108   343,198 2,790 SH   DFND 2 2,790 0 0
DOMINION ENERGY INC Equities 25746U109   794,949 13,568 SH   DFND 2 13,568 0 0
EASTMAN CHEMICAL CO Equities 277432100   499,214 7,821 SH   DFND 2 7,821 0 0
ECOLAB INC Equities 278865100   473,324 1,803 SH   DFND 2 1,803 0 0
EMERSON ELEC CO Equities 291011104   221,244 1,667 SH   DFND 2 1,667 0 0
EXXON MOBIL CORP Equities 30231G102   2,785,269 23,145 SH   DFND 2 23,145 0 0
META PLATFORMS INC CL A Equities 30303M102   4,794,894 7,264 SH   DFND 2 7,264 0 0
FORD MOTOR CO DEL Equities 345370860   141,420 10,779 SH   DFND 2 10,779 0 0
GE VERNOVA LLC Equities 36828A101   550,306 842 SH   DFND 2 842 0 0
GENERAL DYNAMICS CORP Equities 369550108   2,219,936 6,594 SH   DFND 2 6,594 0 0
GE AEROSPACE Equities 369604301   971,219 3,153 SH   DFND 2 3,153 0 0
GOLDMAN SACHS GROUP INC Equities 38141G104   196,896 224 SH   DFND 2 224 0 0
HOME DEPOT INC Equities 437076102   4,611,972 13,403 SH   DFND 2 13,403 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106   1,954,997 10,021 SH   DFND 2 10,021 0 0
INGERSOLL-RAND INC Equities 45687V106   1,092,444 13,790 SH   DFND 2 13,790 0 0
INTEL CORP Equities 458140100   237,452 6,435 SH   DFND 2 6,435 0 0
INTERCONTINENTAL EXCHANGE GROUP, INC Equities 45866F104   3,040,961 18,776 SH   DFND 2 18,776 0 0
INTL. BUSINESS MACHINES CORP Equities 459200101   525,477 1,774 SH   DFND 2 1,774 0 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   85,333,802 138,910 SH   DFND 2 138,910 0 0
INTUIT INC Equities 461202103   11,924 18 SH   DFND 2 18 0 0
ISHARES CORE S&P 500 ETF Equities 464287200   867,134 1,266 SH   DFND 2 1,266 0 0
ISHARES CORE U.S. AGGREGATE Equities 464287226   6,476,818 64,846 SH   DFND 2 64,846 0 0
ISHARES RUSSELL MIDCAP ETF Equities 464287499   392,397 4,076 SH   DFND 2 4,076 0 0
ISHARES CORE S&P MID-CAP ETF Equities 464287507   54,491,448 825,629 SH   DFND 2 825,629 0 0
ISHARES CORE S&P SMALL-CAP ETF Equities 464287804   41,956,285 349,114 SH   DFND 2 349,114 0 0
ISHARES NEW YORK MUNI BOND ETF Mutual Funds 464288323   4,734,083 88,471 SH   DFND 2 88,471 0 0
ISHARES NATIONAL MUNI BOND ETF Mutual Funds 464288414   1,088,559 10,163 SH   DFND 2 10,163 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF Equities 464288653   4,389,907 43,178 SH   DFND 2 43,178 0 0
ISHARES ESG AWARE 1-5 YEAR USD ETF Equities 46435G243   871,916 34,545 SH   DFND 2 34,545 0 0
ISHARES CORE MSCI DEV MKTS ETF Equities 46435G326   44,232,069 536,276 SH   DFND 2 536,276 0 0
ISHARES IBONDS DEC 2026 TERM CORP Equities 46435GAA0   13,822,137 570,455 SH   DFND 2 570,455 0 0
ISHARES IBONDS DEC 2026 MUNI ETF Mutual Funds 46435U259   242,295 9,451 SH   DFND 2 9,451 0 0
ISHARES IBONDS DEC 2027 MUNI ETF Mutual Funds 46435U283   241,637 9,517 SH   DFND 2 9,517 0 0
ISHARES IBONDS DEC 2028 TERM MUNI Mutual Funds 46435U325   241,633 9,448 SH   DFND 2 9,448 0 0
ISHARES IBONDS DEC 2028 TERM CORP Equities 46435U515   14,150,454 555,904 SH   DFND 2 555,904 0 0
ISHARES IBONDS DEC 2027 TERM CORP Equities 46435UAA9   13,764,749 566,917 SH   DFND 2 566,917 0 0
ISHARES IBONDS DEC 2033 CORP Equities 46436E130   14,169,893 542,077 SH   DFND 2 542,077 0 0
ISHARES IBONDS DEC 2029 TERM CORP Equities 46436E205   13,814,921 590,255 SH   DFND 2 590,255 0 0
ISHARES IBONDS DEC 2032 TC ETF Equities 46436E312   14,934,803 584,990 SH   DFND 2 584,990 0 0
ISHARES IBONDS DEC 2031 TERM CORP Equities 46436E486   14,526,214 686,818 SH   DFND 2 686,818 0 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INC Equities 46436E528   27,371,780 1,185,952 SH   DFND 2 1,185,952 0 0
ISHARES IBONDS DEC 2030 TERM CORP Equities 46436E726   14,416,887 653,234 SH   DFND 2 653,234 0 0
ISHARES TR IBONDS DEC 2035 Equities 46438G372   14,439,445 556,647 SH   DFND 2 556,647 0 0
ISHARES IBONDS DEC 2034 TM CORP Equities 46438G653   10,213,790 387,326 SH   DFND 2 387,326 0 0
JP MORGAN CHASE & CO Equities 46625H100   6,588,755 20,448 SH   DFND 2 20,448 0 0
J P MORGAN EXCHANGE TRADED FD EQUITY PREMIUM Equities 46641Q332   10,967,824 191,611 SH   DFND 2 191,611 0 0
J P MORGAN EXCHANGE TRADED FD NASDAQ EQT PREM Equities 46654Q203   823,793 14,174 SH   DFND 2 14,174 0 0
JOHNSON & JOHNSON Equities 478160104   3,271,466 15,808 SH   DFND 2 15,808 0 0
LILLY ELI & CO Equities 532457108   3,833,384 3,567 SH   DFND 2 3,567 0 0
LOCKHEED MARTIN CORP Equities 539830109   200,239 414 SH   DFND 2 414 0 0
LOWES COS INC Equities 548661107   1,113,195 4,616 SH   DFND 2 4,616 0 0
MARVELL TECHNOLOGY INC Equities 573874104   2,118,211 24,926 SH   DFND 2 24,926 0 0
MASCO CORP Equities 574599106   1,507,937 23,762 SH   DFND 2 23,762 0 0
MASTERCARD INC CL A Equities 57636Q104   1,928,433 3,378 SH   DFND 2 3,378 0 0
MCDONALDS CORP Equities 580135101   2,835,024 9,276 SH   DFND 2 9,276 0 0
MCKESSON CORP COM Equities 58155Q103   813,728 992 SH   DFND 2 992 0 0
MERCK & CO INC Equities 58933Y105   404,198 3,840 SH   DFND 2 3,840 0 0
MICROSOFT CORP Equities 594918104   14,703,982 30,404 SH   DFND 2 30,404 0 0
MORGAN STANLEY Equities 617446448   2,672,892 15,056 SH   DFND 2 15,056 0 0
NETFLIX INC Equities 64110L106   2,742,480 29,250 SH   DFND 2 29,250 0 0
NEXTERA ENERGY INC Equities 65339F101   425,885 5,305 SH   DFND 2 5,305 0 0
NORFOLK SOUTHERN CORP Equities 655844108   327,408 1,134 SH   DFND 2 1,134 0 0
NVIDIA CORP Equities 67066G104   17,892,624 95,939 SH   DFND 2 95,939 0 0
NUVEEN ESG SMALL-CAP ETF Equities 67092P607   229,948 5,150 SH   DFND 2 5,150 0 0
OPKO HEALTH INC COM Equities 68375N103   31,500 25,000 SH   DFND 2 25,000 0 0
ORACLE CORPORATION Equities 68389X105   5,122,430 26,281 SH   DFND 2 26,281 0 0
PALO ALTO NETWORKS INC Equities 697435105   2,233,609 12,126 SH   DFND 2 12,126 0 0
PAYCHEX INC Equities 704326107   200,017 1,783 SH   DFND 2 1,783 0 0
PEPSICO INC Equities 713448108   1,183,179 8,244 SH   DFND 2 8,244 0 0
PFIZER INC Equities 717081103   80,825 3,246 SH   DFND 2 3,246 0 0
PIMCO ENHANCED SHORT MATURITY ETF Equities 72201R833   608,763 6,067 SH   DFND 2 6,067 0 0
PROCTER & GAMBLE CO Equities 742718109   2,506,635 17,491 SH   DFND 2 17,491 0 0
QUANTA SERVICES INC Equities 74762E102   1,813,170 4,296 SH   DFND 2 4,296 0 0
RTX CORPORATION Equities 75513E101   423,471 2,309 SH   DFND 2 2,309 0 0
SPDR S&P 500 ETF TRUST Equities 78462F103   5,024,195 7,367 SH   DFND 2 7,367 0 0
SPDR GOLD TRUST Equities 78463V107   621,018 1,567 SH   DFND 2 1,567 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF Equities 78464A409   516,641 4,842 SH   DFND 2 4,842 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF Equities 78464A508   44,402,614 781,598 SH   DFND 2 781,598 0 0
SPDR S&P DIVIDEND ETF Equities 78464A763   228,501 1,642 SH   DFND 2 1,642 0 0
SPDR S&P BIOTECH ETF Equities 78464A870   198,258 1,626 SH   DFND 2 1,626 0 0
SALESFORCE INC Equities 79466L302   3,952,192 14,919 SH   DFND 2 14,919 0 0
MATERIALS SELECT SECTOR SPDR FUND Equities 81369Y100   1,258,866 27,758 SH   DFND 2 27,758 0 0
HEALTH CARE SELECT SECTOR SPDR FUND Equities 81369Y209   514,091 3,321 SH   DFND 2 3,321 0 0
CONS STAPLES SELECT SECT SPDR FUND Equities 81369Y308   36,510 470 SH   DFND 2 470 0 0
CONS DISC SELECT SECTOR SPDR FUND Equities 81369Y407   236,074 1,977 SH   DFND 2 1,977 0 0
ENERGY SELECT SECTOR SPDR FUND Equities 81369Y506   176,873 3,956 SH   DFND 2 3,956 0 0
FINANCIAL SELECT SECTOR SPDR FUND Equities 81369Y605   690,431 12,606 SH   DFND 2 12,606 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND Equities 81369Y704   496,384 3,200 SH   DFND 2 3,200 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND Equities 81369Y803   1,054,436 7,324 SH   DFND 2 7,324 0 0
COMM. SERV. SELECT SECTOR SPDR FUND Equities 81369Y852   82,404 700 SH   DFND 2 700 0 0
REAL ESTATE SELECT SECTOR SPDR FUND Equities 81369Y860   764,686 18,951 SH   DFND 2 18,951 0 0
UTILITIES SELECT SECTOR SPDR FUND Equities 81369Y886   497,936 11,664 SH   DFND 2 11,664 0 0
SNOWFLAKE INC CL A Equities 833445109   604,117 2,754 SH   DFND 2 2,754 0 0
SOUTHERN COMPANY Equities 842587107   585,722 6,717 SH   DFND 2 6,717 0 0
STARBUCKS CORP Equities 855244109   249,598 2,964 SH   DFND 2 2,964 0 0
STRYKER CORPORATION Equities 863667101   2,477,512 7,049 SH   DFND 2 7,049 0 0
SYSCO CORP Equities 871829107   813,832 11,044 SH   DFND 2 11,044 0 0
TJX COS INC Equities 872540109   3,007,069 19,576 SH   DFND 2 19,576 0 0
T-MOBILE US INC Equities 872590104   2,144,508 10,562 SH   DFND 2 10,562 0 0
TEMA ELECTRIFICATION ETF Equities 87975E834   10,712,151 370,341 SH   DFND 2 370,341 0 0
TERADYNE INC Equities 880770102   1,048,515 5,417 SH   DFND 2 5,417 0 0
TESLA INC Equities 88160R101   1,802,478 4,008 SH   DFND 2 4,008 0 0
TEXAS INSTRUMENTS INC Equities 882508104   617,451 3,559 SH   DFND 2 3,559 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102   2,907,680 5,018 SH   DFND 2 5,018 0 0
3M CO Equities 88579Y101   285,779 1,785 SH   DFND 2 1,785 0 0
TORONTO DOMINION BANK Equities 891160509   55,013 584 SH   DFND 2 584 0 0
TRAVELERS COMPANIES INC Equities 89417E109   2,335,563 8,052 SH   DFND 2 8,052 0 0
UBER TECHNOLOGIES INC Equities 90353T100   218,084 2,669 SH   DFND 2 2,669 0 0
UNION PAC CORP Equities 907818108   1,939,618 8,385 SH   DFND 2 8,385 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   976,795 2,959 SH   DFND 2 2,959 0 0
VANGUARD TOTAL BOND MARKET ETF Equities 921937835   1,381,035 18,645 SH   DFND 2 18,645 0 0
VANGUARD SHORT TERM CORP BOND ETF Equities 92206C409   5,540,278 69,488 SH   DFND 2 69,488 0 0
VANGUARD S&P 500 ETF Equities 922908363   122,534,304 195,389 SH   DFND 2 195,389 0 0
VANGUARD REAL ESTATE ETF Equities 922908553   573,769 6,484 SH   DFND 2 6,484 0 0
VANGUARD MID-CAP ETF Equities 922908629   25,768,654 88,791 SH   DFND 2 88,791 0 0
VANGUARD SMALL-CAP ETF Equities 922908751   11,116,613 43,096 SH   DFND 2 43,096 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769   462,002 1,378 SH   DFND 2 1,378 0 0
VERIZON COMMUNICATIONS Equities 92343V104   390,316 9,583 SH   DFND 2 9,583 0 0
VERTEX PHARMACEUTICALS INC Equities 92532F100   1,200,951 2,649 SH   DFND 2 2,649 0 0
VISA INC CL A Equities 92826C839   4,456,121 12,706 SH   DFND 2 12,706 0 0
WALMART INC Equities 931142103   3,497,160 31,390 SH   DFND 2 31,390 0 0
WELLS FARGO & CO Equities 949746101   464,975 4,989 SH   DFND 2 4,989 0 0
WILLIAMS COS INC Equities 969457100   1,918,952 31,924 SH   DFND 2 31,924 0 0
YUM BRANDS INC Equities 988498101   1,428,537 9,443 SH   DFND 2 9,443 0 0
EATON CORP PLC Equities G29183103   251,304 789 SH   DFND 2 789 0 0
LYONDELLBASELL INDUSTRIES NV Equities N53745100   239,406 5,529 SH   DFND 2 5,529 0 0
AB NEW YORK INTERMEDIATE MUNI ETF Equities 00039J764   0 0 SH   OTR 2 0 0 0
AT&T INC Equities 00206R102   11,700 471 SH   OTR 2 0 471 0
ABBOTT LABS Equities 002824100   15,787 126 SH   OTR 2 0 126 0
ABBVIE INC Equities 00287Y109   228,490 1,000 SH   OTR 2 0 1,000 0
ADOBE INC Equities 00724F101   26,249 75 SH   OTR 2 0 75 0
ALPHABET INC CL C Equities 02079K107   327,921 1,045 SH   OTR 2 0 1,045 0
ALPHABET INC CL A Equities 02079K305   1,403,492 4,484 SH   OTR 2 0 4,484 0
AMAZON.COM INC Equities 023135106   481,260 2,085 SH   OTR 2 0 2,085 0
AMERICAN ELEC PWR INC Equities 025537101   0 0 SH   OTR 2 0 0 0
AMERICAN EXPRESS CO Equities 025816109   184,975 500 SH   OTR 2 0 500 0
AMERICAN WATER WORKS CO INC Equities 030420103   33,147 254 SH   OTR 2 0 254 0
AMGEN INC Equities 031162100   105,067 321 SH   OTR 2 0 321 0
AMPHENOL CORP CL A Equities 032095101   209,197 1,548 SH   OTR 2 0 1,548 0
APPLE INC Equities 037833100   1,488,162 5,474 SH   OTR 2 0 5,474 0
APPLIED MATERIALS INC Equities 038222105   0 0 SH   OTR 2 0 0 0
ARROW FINANCIAL CORPORATION Equities 042744102   167,425 5,332 SH   OTR 2 0 5,332 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   600,889 2,336 SH   OTR 2 0 2,336 0
BANK OF AMERICA CORP Equities 060505104   221,650 4,030 SH   OTR 2 0 4,030 0
BERKSHIRE HATHAWAY INC-CL B Equities 084670702   304,103 605 SH   OTR 2 0 605 0
BLACKROCK INC Equities 09290D101   212,998 199 SH   OTR 2 0 199 0
BRISTOL MYERS SQUIBB CO Equities 110122108   11,327 210 SH   OTR 2 0 210 0
BROADCOM INC Equities 11135F101   0 0 SH   OTR 2 0 0 0
CARRIER GLOBAL CORP Equities 14448C104   248,348 4,700 SH   OTR 2 0 4,700 0
CATERPILLAR INC Equities 149123101   489,231 854 SH   OTR 2 0 854 0
CHEVRON CORPORATION Equities 166764100   200,267 1,314 SH   OTR 2 0 1,314 0
CISCO SYSTEMS INC Equities 17275R102   95,902 1,245 SH   OTR 2 0 1,245 0
COCA COLA CO Equities 191216100   119,966 1,716 SH   OTR 2 0 1,716 0
COLGATE PALMOLIVE CO Equities 194162103   396,285 5,015 SH   OTR 2 0 5,015 0
CONOCOPHILLIPS Equities 20825C104   38,380 410 SH   OTR 2 0 410 0
COSTCO WHOLESALE CORP Equities 22160K105   77,611 90 SH   OTR 2 0 90 0
CUMMINS INC Equities 231021106   74,526 146 SH   OTR 2 0 146 0
DANAHER CORP Equities 235851102   11,446 50 SH   OTR 2 0 50 0
DISNEY WALT CO NEW Equities 254687106   98,866 869 SH   OTR 2 0 869 0
DOLLAR TREE INC Equities 256746108   0 0 SH   OTR 2 0 0 0
DOMINION ENERGY INC Equities 25746U109   9,843 168 SH   OTR 2 0 168 0
EASTMAN CHEMICAL CO Equities 277432100   0 0 SH   OTR 2 0 0 0
ECOLAB INC Equities 278865100   162,237 618 SH   OTR 2 0 618 0
EMERSON ELEC CO Equities 291011104   254,822 1,920 SH   OTR 2 0 1,920 0
EXXON MOBIL CORP Equities 30231G102   757,661 6,296 SH   OTR 2 0 6,296 0
META PLATFORMS INC CL A Equities 30303M102   299,681 454 SH   OTR 2 0 454 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   33,666 100 SH   OTR 2 0 100 0
GE AEROSPACE Equities 369604301   0 0 SH   OTR 2 0 0 0
GOLDMAN SACHS GROUP INC Equities 38141G104   21,975 25 SH   OTR 2 0 25 0
HOME DEPOT INC Equities 437076102   441,824 1,284 SH   OTR 2 0 1,284 0
HONEYWELL INTERNATIONAL INC Equities 438516106   51,504 264 SH   OTR 2 0 264 0
INGERSOLL-RAND INC Equities 45687V106   53,077 670 SH   OTR 2 0 670 0
INTEL CORP Equities 458140100   93,726 2,540 SH   OTR 2 0 2,540 0
INTERCONTINENTAL EXCHANGE GROUP, INC Equities 45866F104   115,639 714 SH   OTR 2 0 714 0
INTL. BUSINESS MACHINES CORP Equities 459200101   895,443 3,023 SH   OTR 2 0 3,023 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   293,026 477 SH   OTR 2 0 477 0
INTUIT INC Equities 461202103   496,815 750 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 RUSSELL MIDCAP ETF Equities 464287499   0 0 SH   OTR 2 0 0 0
ISHARES CORE S&P MID-CAP ETF Equities 464287507   309,540 4,690 SH   OTR 2 0 4,690 0
ISHARES CORE S&P SMALL-CAP ETF Equities 464287804   828,877 6,897 SH   OTR 2 0 6,897 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 10-20 YEAR TREASURY BOND ETF Equities 464288653   0 0 SH   OTR 2 0 0 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   824,058 9,991 SH   OTR 2 0 9,991 0
ISHARES IBONDS DEC 2026 TERM CORP Equities 46435GAA0   182,379 7,527 SH   OTR 2 0 7,527 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 2028 TERM CORP Equities 46435U515   182,665 7,176 SH   OTR 2 0 7,176 0
ISHARES IBONDS DEC 2027 TERM CORP Equities 46435UAA9   234,860 9,673 SH   OTR 2 0 9,673 0
ISHARES IBONDS DEC 2033 CORP Equities 46436E130   361,203 13,818 SH   OTR 2 0 13,818 0
ISHARES IBONDS DEC 2029 TERM CORP Equities 46436E205   307,542 13,140 SH   OTR 2 0 13,140 0
ISHARES IBONDS DEC 2032 TC ETF Equities 46436E312   361,403 14,156 SH   OTR 2 0 14,156 0
ISHARES IBONDS DEC 2031 TERM CORP Equities 46436E486   358,704 16,960 SH   OTR 2 0 16,960 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INC Equities 46436E528   692,585 30,008 SH   OTR 2 0 30,008 0
ISHARES IBONDS DEC 2030 TERM CORP Equities 46436E726   308,053 13,958 SH   OTR 2 0 13,958 0
ISHARES TR IBONDS DEC 2035 Equities 46438G372   309,205 11,920 SH   OTR 2 0 11,920 0
ISHARES IBONDS DEC 2034 TM CORP Equities 46438G653   357,340 13,551 SH   OTR 2 0 13,551 0
JP MORGAN CHASE & CO Equities 46625H100   1,600,467 4,967 SH   OTR 2 0 4,967 0
J P MORGAN EXCHANGE TRADED FD EQUITY PREMIUM Equities 46641Q332   210,357 3,675 SH   OTR 2 0 3,675 0
J P MORGAN EXCHANGE TRADED FD NASDAQ EQT PREM Equities 46654Q203   0 0 SH   OTR 2 0 0 0
JOHNSON & JOHNSON Equities 478160104   872,087 4,214 SH   OTR 2 0 4,214 0
LILLY ELI & CO Equities 532457108   1,478,760 1,376 SH   OTR 2 0 1,376 0
LOCKHEED MARTIN CORP Equities 539830109   0 0 SH   OTR 2 0 0 0
LOWES COS INC Equities 548661107   36,174 150 SH   OTR 2 0 150 0
MARVELL TECHNOLOGY INC Equities 573874104   130,274 1,533 SH   OTR 2 0 1,533 0
MASCO CORP Equities 574599106   16,880 266 SH   OTR 2 0 266 0
MASTERCARD INC CL A Equities 57636Q104   34,253 60 SH   OTR 2 0 60 0
MCDONALDS CORP Equities 580135101   53,485 175 SH   OTR 2 0 175 0
MCKESSON CORP COM Equities 58155Q103   0 0 SH   OTR 2 0 0 0
MERCK & CO INC Equities 58933Y105   332,095 3,155 SH   OTR 2 0 3,155 0
MICROSOFT CORP Equities 594918104   1,896,274 3,921 SH   OTR 2 0 3,921 0
MORGAN STANLEY Equities 617446448   215,521 1,214 SH   OTR 2 0 1,214 0
NETFLIX INC Equities 64110L106   103,136 1,100 SH   OTR 2 0 1,100 0
NEXTERA ENERGY INC Equities 65339F101   132,783 1,654 SH   OTR 2 0 1,654 0
NORFOLK SOUTHERN CORP Equities 655844108   0 0 SH   OTR 2 0 0 0
NVIDIA CORP Equities 67066G104   1,183,343 6,345 SH   OTR 2 0 6,345 0
NUVEEN ESG SMALL-CAP ETF Equities 67092P607   0 0 SH   OTR 2 0 0 0
OPKO HEALTH INC COM Equities 68375N103   0 0 SH   OTR 2 0 0 0
ORACLE CORPORATION Equities 68389X105   681,210 3,495 SH   OTR 2 0 3,495 0
PALO ALTO NETWORKS INC Equities 697435105   67,049 364 SH   OTR 2 0 364 0
PAYCHEX INC Equities 704326107   51,266 457 SH   OTR 2 0 457 0
PEPSICO INC Equities 713448108   236,952 1,651 SH   OTR 2 0 1,651 0
PFIZER INC Equities 717081103   211,650 8,500 SH   OTR 2 0 8,500 0
PIMCO ENHANCED SHORT MATURITY ETF Equities 72201R833   98,835 985 SH   OTR 2 0 985 0
PROCTER & GAMBLE CO Equities 742718109   276,302 1,928 SH   OTR 2 0 1,928 0
QUANTA SERVICES INC Equities 74762E102   60,777 144 SH   OTR 2 0 144 0
RTX CORPORATION Equities 75513E101   870,233 4,745 SH   OTR 2 0 4,745 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   90,953 1,601 SH   OTR 2 0 1,601 0
SPDR S&P DIVIDEND ETF Equities 78464A763   0 0 SH   OTR 2 0 0 0
SPDR S&P BIOTECH ETF Equities 78464A870   8,535 70 SH   OTR 2 0 70 0
SALESFORCE INC Equities 79466L302   166,099 627 SH   OTR 2 0 627 0
MATERIALS SELECT SECTOR SPDR FUND Equities 81369Y100   144,943 3,196 SH   OTR 2 0 3,196 0
HEALTH CARE SELECT SECTOR SPDR FUND Equities 81369Y209   391,799 2,531 SH   OTR 2 0 2,531 0
CONS STAPLES SELECT SECT SPDR FUND Equities 81369Y308   193,112 2,486 SH   OTR 2 0 2,486 0
CONS DISC SELECT SECTOR SPDR FUND Equities 81369Y407   432,503 3,622 SH   OTR 2 0 3,622 0
ENERGY SELECT SECTOR SPDR FUND Equities 81369Y506   105,516 2,360 SH   OTR 2 0 2,360 0
FINANCIAL SELECT SECTOR SPDR FUND Equities 81369Y605   560,078 10,226 SH   OTR 2 0 10,226 0
INDUSTRIAL SELECT SECTOR SPDR FUND Equities 81369Y704   328,699 2,119 SH   OTR 2 0 2,119 0
TECHNOLOGY SELECT SECTOR SPDR FUND Equities 81369Y803   1,372,322 9,532 SH   OTR 2 0 9,532 0
COMM. SERV. SELECT SECTOR SPDR FUND Equities 81369Y852   383,179 3,255 SH   OTR 2 0 3,255 0
REAL ESTATE SELECT SECTOR SPDR FUND Equities 81369Y860   140,378 3,479 SH   OTR 2 0 3,479 0
UTILITIES SELECT SECTOR SPDR FUND Equities 81369Y886   124,143 2,908 SH   OTR 2 0 2,908 0
SNOWFLAKE INC CL A Equities 833445109   33,343 152 SH   OTR 2 0 152 0
SOUTHERN COMPANY Equities 842587107   0 0 SH   OTR 2 0 0 0
STARBUCKS CORP Equities 855244109   93,894 1,115 SH   OTR 2 0 1,115 0
STRYKER CORPORATION Equities 863667101   306,833 873 SH   OTR 2 0 873 0
SYSCO CORP Equities 871829107   19,159 260 SH   OTR 2 0 260 0
TJX COS INC Equities 872540109   252,228 1,642 SH   OTR 2 0 1,642 0
T-MOBILE US INC Equities 872590104   50,557 249 SH   OTR 2 0 249 0
TEMA ELECTRIFICATION ETF Equities 87975E834   17,500 605 SH   OTR 2 0 605 0
TERADYNE INC Equities 880770102   96,199 497 SH   OTR 2 0 497 0
TESLA INC Equities 88160R101   98,039 218 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   60,842 105 SH   OTR 2 0 105 0
3M CO Equities 88579Y101   416,260 2,600 SH   OTR 2 0 2,600 0
TORONTO DOMINION BANK Equities 891160509   196,313 2,084 SH   OTR 2 0 2,084 0
TRAVELERS COMPANIES INC Equities 89417E109   26,976 93 SH   OTR 2 0 93 0
UBER TECHNOLOGIES INC Equities 90353T100   0 0 SH   OTR 2 0 0 0
UNION PAC CORP Equities 907818108   98,774 427 SH   OTR 2 0 427 0
UNITEDHEALTH GROUP INC Equities 91324P102   88,469 268 SH   OTR 2 0 268 0
VANGUARD TOTAL BOND MARKET ETF Equities 921937835   0 0 SH   OTR 2 0 0 0
VANGUARD SHORT TERM CORP BOND ETF Equities 92206C409   289,181 3,627 SH   OTR 2 0 3,627 0
VANGUARD S&P 500 ETF Equities 922908363   1,146,394 1,828 SH   OTR 2 0 1,828 0
VANGUARD REAL ESTATE ETF Equities 922908553   8,849 100 SH   OTR 2 0 100 0
VANGUARD MID-CAP ETF Equities 922908629   1,948,807 6,715 SH   OTR 2 0 6,715 0
VANGUARD SMALL-CAP ETF Equities 922908751   555,108 2,152 SH   OTR 2 0 2,152 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769   0 0 SH   OTR 2 0 0 0
VERIZON COMMUNICATIONS Equities 92343V104   51,971 1,276 SH   OTR 2 0 1,276 0
VERTEX PHARMACEUTICALS INC Equities 92532F100   197,665 436 SH   OTR 2 0 436 0
VISA INC CL A Equities 92826C839   301,260 859 SH   OTR 2 0 859 0
WALMART INC Equities 931142103   80,772 725 SH   OTR 2 0 725 0
WELLS FARGO & CO Equities 949746101   0 0 SH   OTR 2 0 0 0
WILLIAMS COS INC Equities 969457100   76,219 1,268 SH   OTR 2 0 1,268 0
YUM BRANDS INC Equities 988498101   10,892 72 SH   OTR 2 0 72 0
EATON CORP PLC Equities G29183103   151,292 475 SH   OTR 2 0 475 0
LYONDELLBASELL INDUSTRIES NV Equities N53745100   0 0 SH   OTR 2 0 0 0