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
GENERAL DYNAMICS CORP Equities 369550108   2,048,718 6,174 SH   DFND 2 6,174 0 0
VANGUARD TOTAL BOND MARKET ETF Equities 921937835   977,260 13,931 SH   DFND 2 13,931 0 0
ISHARES CORE S&P 500 ETF Equities 464287200   974,161 1,272 SH   DFND 2 1,272 0 0
QUANTA SERVICES INC Equities 74762E102   2,525,707 3,931 SH   DFND 2 3,931 0 0
SPDR GOLD TRUST Equities 78463V107   497,377 1,306 SH   DFND 2 1,306 0 0
ISHARES CORE S&P SMALL-CAP ETF Equities 464287804   47,313,631 347,794 SH   DFND 2 347,794 0 0
ISHARES IBONDS DEC 2033 CORP Equities 46436E130   14,451,448 590,336 SH   DFND 2 590,336 0 0
NUVEEN ESG SMALL-CAP ETF Equities 67092P607   249,904 5,150 SH   DFND 2 5,150 0 0
VANGUARD REAL ESTATE ETF Equities 922908553   532,313 5,939 SH   DFND 2 5,939 0 0
VISA INC CL A Equities 92826C839   4,164,275 11,589 SH   DFND 2 11,589 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF Equities 464288653   18,564,306 201,413 SH   DFND 2 201,413 0 0
DOMINION ENERGY INC Equities 25746U109   768,846 12,704 SH   DFND 2 12,704 0 0
HOME DEPOT INC Equities 437076102   3,808,468 13,387 SH   DFND 2 13,387 0 0
AMERICAN EXPRESS CO Equities 025816109   598,773 1,969 SH   DFND 2 1,969 0 0
PIMCO ENHANCED SHORT MATURITY ETF Equities 72201R833   210,250 2,091 SH   DFND 2 2,091 0 0
ISHARES TR IBONDS DEC 2036 TERM CORP. ETF Equities 46438G166   5,768,579 244,121 SH   DFND 2 244,121 0 0
ENERGY SELECT SECTOR SPDR FUND Equities 81369Y506   238,743 3,882 SH   DFND 2 3,882 0 0
AMAZON.COM INC Equities 023135106   8,815,674 35,383 SH   DFND 2 35,383 0 0
THE HERSHEY COMPANY Equities 427866108   630,282 3,999 SH   DFND 2 3,999 0 0
TERADYNE INC Equities 880770102   1,501,408 3,745 SH   DFND 2 3,745 0 0
CARRIER GLOBAL CORP Equities 14448C104   15,087 275 SH   DFND 2 275 0 0
ISHARES IBONDS DEC 2034 TM CORP Equities 46438G653   12,606,446 511,832 SH   DFND 2 511,832 0 0
J P MORGAN EXCHANGE TRADED FD EQUITY PREMIUM Equities 46641Q332   19,152,469 340,670 SH   DFND 2 340,670 0 0
CONS STAPLES SELECT SECT SPDR FUND Equities 81369Y308   37,882 470 SH   DFND 2 470 0 0
INGERSOLL-RAND INC Equities 45687V106   213,988 2,849 SH   DFND 2 2,849 0 0
JP MORGAN CHASE & CO Equities 46625H100   5,954,940 18,000 SH   DFND 2 18,000 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND Equities 81369Y803   1,362,616 6,961 SH   DFND 2 6,961 0 0
TEMA ELECTRIFICATION ETF Equities 87975E834   18,337,107 517,558 SH   DFND 2 517,558 0 0
NVIDIA CORP Equities 67066G104   20,060,671 87,839 SH   DFND 2 87,839 0 0
PROCTER & GAMBLE CO Equities 742718109   2,336,974 16,086 SH   DFND 2 16,086 0 0
MASCO CORP Equities 574599106   1,547,841 22,965 SH   DFND 2 22,965 0 0
ALPHABET INC CL C Equities 02079K107   3,001,238 8,808 SH   DFND 2 8,808 0 0
TRAVELERS COMPANIES INC Equities 89417E109   2,406,443 6,750 SH   DFND 2 6,750 0 0
ARROW FINANCIAL CORPORATION Equities 042744102   67,548,408 1,833,064 SH   DFND 2 1,833,064 0 0
UTILITIES SELECT SECTOR SPDR FUND Equities 81369Y886   309,210 7,840 SH   DFND 2 7,840 0 0
MICRON TECHNOLOGY INC Equities 595112103   2,154,718 2,023 SH   DFND 2 2,023 0 0
WELLS FARGO & CO Equities 949746101   352,140 4,399 SH   DFND 2 4,399 0 0
NORFOLK SOUTHERN CORP Equities 655844108   228,351 739 SH   DFND 2 739 0 0
FINANCIAL SELECT SECTOR SPDR FUND Equities 81369Y605   673,160 12,606 SH   DFND 2 12,606 0 0
VANGUARD SHORT TERM CORP BOND ETF Equities 92206C409   3,397,069 43,975 SH   DFND 2 43,975 0 0
CONOCOPHILLIPS Equities 20825C104   1,648,226 13,170 SH   DFND 2 13,170 0 0
COSTCO WHOLESALE CORP Equities 22160K105   1,980,900 2,176 SH   DFND 2 2,176 0 0
DANAHER CORP Equities 235851102   1,762,430 7,955 SH   DFND 2 7,955 0 0
VERTEX PHARMACEUTICALS INC Equities 92532F100   1,211,874 2,318 SH   DFND 2 2,318 0 0
WALMART INC Equities 931142103   2,657,338 25,571 SH   DFND 2 25,571 0 0
AMPHENOL CORP CL A Equities 032095101   5,950,231 70,584 SH   DFND 2 70,584 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF Equities 78464A508   46,951,468 768,059 SH   DFND 2 768,059 0 0
ISHARES IBONDS DEC 2031 TERM CORP Equities 46436E486   14,416,781 718,682 SH   DFND 2 718,682 0 0
ECOLAB INC Equities 278865100   414,890 1,511 SH   DFND 2 1,511 0 0
BERKSHIRE HATHAWAY INC-CL B Equities 084670702   3,590,717 7,211 SH   DFND 2 7,211 0 0
TESLA INC Equities 88160R101   1,485,235 4,186 SH   DFND 2 4,186 0 0
ABBOTT LABS Equities 002824100   1,808,194 18,296 SH   DFND 2 18,296 0 0
VANGUARD MID-CAP ETF Equities 922908629   20,562,508 262,210 SH   DFND 2 262,210 0 0
DEERE & CO Equities 244199105   236,386 352 SH   DFND 2 352 0 0
MCDONALDS CORP Equities 580135101   2,291,156 9,921 SH   DFND 2 9,921 0 0
ISHARES IBONDS DEC 2027 MUNI ETF Mutual Funds 46435U283   240,209 9,517 SH   DFND 2 9,517 0 0
CUMMINS INC Equities 231021106   1,626,679 3,149 SH   DFND 2 3,149 0 0
INTERCONTINENTAL EXCHANGE GROUP, INC Equities 45866F104   2,839,920 18,680 SH   DFND 2 18,680 0 0
JOHNSON & JOHNSON Equities 478160104   3,685,181 13,920 SH   DFND 2 13,920 0 0
SPDR S&P BIOTECH ETF Equities 78464A870   256,388 1,626 SH   DFND 2 1,626 0 0
ABBVIE INC Equities 00287Y109   1,215,609 4,647 SH   DFND 2 4,647 0 0
SOUTHERN COMPANY Equities 842587107   888,664 10,721 SH   DFND 2 10,721 0 0
CONS DISC SELECT SECTOR SPDR FUND Equities 81369Y407   215,177 1,977 SH   DFND 2 1,977 0 0
GE AEROSPACE Equities 369604301   980,278 3,139 SH   DFND 2 3,139 0 0
EASTMAN CHEMICAL CO Equities 277432100   462,180 7,128 SH   DFND 2 7,128 0 0
AMGEN INC Equities 031162100   3,251,528 7,714 SH   DFND 2 7,714 0 0
ALPHABET INC CL A Equities 02079K305   16,075,418 46,720 SH   DFND 2 46,720 0 0
YUM BRANDS INC Equities 988498101   1,369,535 10,045 SH   DFND 2 10,045 0 0
META PLATFORMS INC CL A Equities 30303M102   5,423,621 7,479 SH   DFND 2 7,479 0 0
CHEVRON CORPORATION Equities 166764100   1,069,856 5,239 SH   DFND 2 5,239 0 0
MATERIALS SELECT SECTOR SPDR FUND Equities 81369Y100   1,187,788 24,389 SH   DFND 2 24,389 0 0
TORONTO DOMINION BANK Equities 891160509   68,638 584 SH   DFND 2 584 0 0
INTL. BUSINESS MACHINES CORP Equities 459200101   252,700 1,149 SH   DFND 2 1,149 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769   366,007 978 SH   DFND 2 978 0 0
DOLLAR TREE INC Equities 256746108   274,218 2,405 SH   DFND 2 2,405 0 0
TOAST INC CL A Equities 888787108   596,179 20,565 SH   DFND 2 20,565 0 0
OPKO HEALTH INC COM Equities 68375N103   43,470 27,000 SH   DFND 2 27,000 0 0
ISHARES NATIONAL MUNI BOND ETF Mutual Funds 464288414   1,048,407 10,370 SH   DFND 2 10,370 0 0
EMERSON ELEC CO Equities 291011104   198,063 1,277 SH   DFND 2 1,277 0 0
FORD MOTOR CO DEL Equities 345370860   126,630 10,500 SH   DFND 2 10,500 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND Equities 81369Y704   534,336 3,200 SH   DFND 2 3,200 0 0
LYONDELLBASELL INDUSTRIES NV Equities N53745100   437,404 7,611 SH   DFND 2 7,611 0 0
BROADCOM INC Equities 11135F101   3,070,103 8,742 SH   DFND 2 8,742 0 0
VANGUARD S&P 500 ETF Equities 922908363   140,892,150 201,027 SH   DFND 2 201,027 0 0
ORACLE CORPORATION Equities 68389X105   3,756,116 27,357 SH   DFND 2 27,357 0 0
NETFLIX INC Equities 64110L106   1,344,425 19,322 SH   DFND 2 19,322 0 0
EATON CORP PLC Equities G29183103   1,226,822 2,855 SH   DFND 2 2,855 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   371,852 1,013 SH   DFND 2 1,013 0 0
HONEYWELL AEROSPACE INC COM Equities 43849R105   518,840 3,348 SH   DFND 2 3,348 0 0
COMM. SERV. SELECT SECTOR SPDR FUND Equities 81369Y852   77,679 700 SH   DFND 2 700 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF Equities 78464A409   589,799 4,792 SH   DFND 2 4,792 0 0
ISHARES IBONDS DEC 2032 TC ETF Equities 46436E312   14,667,811 609,381 SH   DFND 2 609,381 0 0
MERCK & CO INC Equities 58933Y105   543,750 3,742 SH   DFND 2 3,742 0 0
STARBUCKS CORP Equities 855244109   243,262 2,589 SH   DFND 2 2,589 0 0
LILLY ELI & CO Equities 532457108   3,193,541 2,760 SH   DFND 2 2,760 0 0
INTEL CORP Equities 458140100   756,848 6,295 SH   DFND 2 6,295 0 0
ISHARES CORE S&P MID-CAP ETF Equities 464287507   64,842,775 901,220 SH   DFND 2 901,220 0 0
SYSCO CORP Equities 871829107   723,079 9,275 SH   DFND 2 9,275 0 0
ISHARES TR IBONDS 2027 TERM ETF Equities 46436E478   34,451,931 1,581,815 SH   DFND 2 1,581,815 0 0
SNOWFLAKE INC CL A Equities 833445109   305,604 900 SH   DFND 2 900 0 0
VERIZON COMMUNICATIONS Equities 92343V104   350,126 7,633 SH   DFND 2 7,633 0 0
HEALTH CARE SELECT SECTOR SPDR FUND Equities 81369Y209   559,323 3,321 SH   DFND 2 3,321 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102   2,921,616 4,328 SH   DFND 2 4,328 0 0
MCKESSON CORP COM Equities 58155Q103   1,148,374 1,345 SH   DFND 2 1,345 0 0
STRYKER CORPORATION Equities 863667101   1,773,236 6,439 SH   DFND 2 6,439 0 0
UNION PAC CORP Equities 907818108   2,138,942 7,860 SH   DFND 2 7,860 0 0
NEXTERA ENERGY INC Equities 65339F101   365,748 4,829 SH   DFND 2 4,829 0 0
SPDR S&P 500 ETF TRUST Equities 78462F103   1,410,103 1,849 SH   DFND 2 1,849 0 0
VANGUARD SMALL-CAP ETF Equities 922908751   7,715,369 27,120 SH   DFND 2 27,120 0 0
3M CO Equities 88579Y101   237,197 1,445 SH   DFND 2 1,445 0 0
ISHARES IBONDS DEC 2028 TERM CORP Equities 46435U515   14,494,334 580,702 SH   DFND 2 580,702 0 0
ISHARES TR IBONDS DEC 2035 Equities 46438G372   14,422,538 599,191 SH   DFND 2 599,191 0 0
APPLE INC Equities 037833100   19,722,110 59,222 SH   DFND 2 59,222 0 0
EXXONMOBIL HOLDINGS Equities 30233Q108   3,441,349 21,145 SH   DFND 2 21,145 0 0
LOWES COS INC Equities 548661107   476,390 2,585 SH   DFND 2 2,585 0 0
PEPSICO INC Equities 713448108   891,729 7,037 SH   DFND 2 7,037 0 0
ISHARES RUSSELL MIDCAP ETF Equities 464287499   434,950 4,076 SH   DFND 2 4,076 0 0
HONEYWELL TECHNOLOGIES Equities 438516205   1,178,733 5,588 SH   DFND 2 5,588 0 0
ISHARES CORE U.S. AGGREGATE Equities 464287226   5,825,177 61,616 SH   DFND 2 61,616 0 0
WILLIAMS COS INC Equities 969457100   2,021,564 29,742 SH   DFND 2 29,742 0 0
BANK OF AMERICA CORP Equities 060505104   2,885,498 53,013 SH   DFND 2 53,013 0 0
ADOBE INC Equities 00724F101   350,552 1,461 SH   DFND 2 1,461 0 0
ISHARES IBONDS DEC 2026 MUNI ETF Mutual Funds 46435U259   242,324 9,451 SH   DFND 2 9,451 0 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   106,263,219 143,643 SH   DFND 2 143,643 0 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INC Equities 46436E528   1,387,112 61,567 SH   DFND 2 61,567 0 0
ISHARES IBONDS DEC 2027 TERM CORP Equities 46435UAA9   3,684,446 152,754 SH   DFND 2 152,754 0 0
MASTERCARD INC CL A Equities 57636Q104   1,738,785 3,153 SH   DFND 2 3,153 0 0
PFIZER INC Equities 717081103   79,885 2,801 SH   DFND 2 2,801 0 0
COCA COLA CO Equities 191216100   2,662,713 30,933 SH   DFND 2 30,933 0 0
APPLIED MATERIALS INC Equities 038222105   856,050 1,674 SH   DFND 2 1,674 0 0
ISHARES ESG AWARE 1-5 YEAR USD ETF Equities 46435G243   843,934 34,545 SH   DFND 2 34,545 0 0
GOLDMAN SACHS GROUP INC Equities 38141G104   200,780 223 SH   DFND 2 223 0 0
ISHARES CORE MSCI DEV MKTS ETF Equities 46435G326   50,260,656 561,697 SH   DFND 2 561,697 0 0
ISHARES NEW YORK MUNI BOND ETF Mutual Funds 464288323   3,755,707 74,341 SH   DFND 2 74,341 0 0
BLACKROCK INC Equities 09290D101   2,946,279 2,784 SH   DFND 2 2,784 0 0
COLGATE PALMOLIVE CO Equities 194162103   133,014 1,559 SH   DFND 2 1,559 0 0
SALESFORCE INC Equities 79466L302   3,744,057 16,309 SH   DFND 2 16,309 0 0
MICROSOFT CORP Equities 594918104   15,081,312 29,404 SH   DFND 2 29,404 0 0
ISHARES IBONDS DEC 2026 TERM CORP Equities 46435GAA0   3,593,672 148,253 SH   DFND 2 148,253 0 0
AB NEW YORK INTERMEDIATE MUNI ETF Equities 00039J764   6,641,587 275,928 SH   DFND 2 275,928 0 0
LOCKHEED MARTIN CORP Equities 539830109   201,663 396 SH   DFND 2 396 0 0
J P MORGAN EXCHANGE TRADED FD NASDAQ EQT PREM Equities 46654Q203   1,558,393 25,439 SH   DFND 2 25,439 0 0
T-MOBILE US INC Equities 872590104   1,725,386 10,580 SH   DFND 2 10,580 0 0
RTX CORPORATION Equities 75513E101   381,325 2,054 SH   DFND 2 2,054 0 0
MORGAN STANLEY Equities 617446448   2,388,240 12,698 SH   DFND 2 12,698 0 0
BRISTOL MYERS SQUIBB CO Equities 110122108   221,520 3,550 SH   DFND 2 3,550 0 0
PALO ALTO NETWORKS INC Equities 697435105   5,204,761 13,100 SH   DFND 2 13,100 0 0
TEXAS INSTRUMENTS INC Equities 882508104   975,273 3,482 SH   DFND 2 3,482 0 0
CONSTELLATION BRANDS INC CL A Equities 21036P108   572,423 5,063 SH   DFND 2 5,063 0 0
ISHARES IBONDS DEC 2028 TERM MUNI Mutual Funds 46435U325   237,523 9,448 SH   DFND 2 9,448 0 0
DISNEY WALT CO NEW Equities 254687106   2,690,685 25,650 SH   DFND 2 25,650 0 0
MARVELL TECHNOLOGY INC Equities 573874104   6,644,617 25,149 SH   DFND 2 25,149 0 0
AMERICAN ELEC PWR INC Equities 025537101   1,034,659 8,721 SH   DFND 2 8,721 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   252,383 978 SH   DFND 2 978 0 0
ISHARES IBONDS DEC 2030 TERM CORP Equities 46436E726   14,406,246 681,468 SH   DFND 2 681,468 0 0
GE VERNOVA LLC Equities 36828A101   786,055 827 SH   DFND 2 827 0 0
AMERICAN WATER WORKS CO INC Equities 030420103   905,902 6,997 SH   DFND 2 6,997 0 0
CISCO SYSTEMS INC Equities 17275R102   4,434,033 41,197 SH   DFND 2 41,197 0 0
TJX COS INC Equities 872540109   2,390,048 18,064 SH   DFND 2 18,064 0 0
CATERPILLAR INC Equities 149123101   3,624,231 4,470 SH   DFND 2 4,470 0 0
ISHARES IBONDS DEC 2029 TERM CORP Equities 46436E205   14,448,411 636,774 SH   DFND 2 636,774 0 0
GENERAL DYNAMICS CORP Equities 369550108   33,183 100 SH   OTR 2 0 100 0
QUANTA SERVICES INC Equities 74762E102   92,521 144 SH   OTR 2 0 144 0
ISHARES CORE S&P SMALL-CAP ETF Equities 464287804   805,488 5,921 SH   OTR 2 0 5,921 0
ISHARES IBONDS DEC 2033 CORP Equities 46436E130   391,386 15,988 SH   OTR 2 0 15,988 0
VANGUARD REAL ESTATE ETF Equities 922908553   8,963 100 SH   OTR 2 0 100 0
VISA INC CL A Equities 92826C839   286,027 796 SH   OTR 2 0 796 0
ISHARES 10-20 YEAR TREASURY BOND ETF Equities 464288653   641,042 6,955 SH   OTR 2 0 6,955 0
DOMINION ENERGY INC Equities 25746U109   10,167 168 SH   OTR 2 0 168 0
HOME DEPOT INC Equities 437076102   355,613 1,250 SH   OTR 2 0 1,250 0
AMERICAN EXPRESS CO Equities 025816109   152,050 500 SH   OTR 2 0 500 0
PIMCO ENHANCED SHORT MATURITY ETF Equities 72201R833   99,042 985 SH   OTR 2 0 985 0
ISHARES TR IBONDS DEC 2036 TERM CORP. ETF Equities 46438G166   10,823 458 SH   OTR 2 0 458 0
ENERGY SELECT SECTOR SPDR FUND Equities 81369Y506   145,140 2,360 SH   OTR 2 0 2,360 0
AMAZON.COM INC Equities 023135106   493,317 1,980 SH   OTR 2 0 1,980 0
TERADYNE INC Equities 880770102   174,396 435 SH   OTR 2 0 435 0
CARRIER GLOBAL CORP Equities 14448C104   257,842 4,700 SH   OTR 2 0 4,700 0
ISHARES IBONDS DEC 2034 TM CORP Equities 46438G653   390,681 15,862 SH   OTR 2 0 15,862 0
J P MORGAN EXCHANGE TRADED FD EQUITY PREMIUM Equities 46641Q332   348,958 6,207 SH   OTR 2 0 6,207 0
CONS STAPLES SELECT SECT SPDR FUND Equities 81369Y308   190,700 2,366 SH   OTR 2 0 2,366 0
JP MORGAN CHASE & CO Equities 46625H100   1,639,924 4,957 SH   OTR 2 0 4,957 0
TECHNOLOGY SELECT SECTOR SPDR FUND Equities 81369Y803   1,596,537 8,156 SH   OTR 2 0 8,156 0
TEMA ELECTRIFICATION ETF Equities 87975E834   300,553 8,483 SH   OTR 2 0 8,483 0
NVIDIA CORP Equities 67066G104   1,359,775 5,954 SH   OTR 2 0 5,954 0
PROCTER & GAMBLE CO Equities 742718109   280,100 1,928 SH   OTR 2 0 1,928 0
MASCO CORP Equities 574599106   17,928 266 SH   OTR 2 0 266 0
ALPHABET INC CL C Equities 02079K107   356,073 1,045 SH   OTR 2 0 1,045 0
UTILITIES SELECT SECTOR SPDR FUND Equities 81369Y886   79,393 2,013 SH   OTR 2 0 2,013 0
FINANCIAL SELECT SECTOR SPDR FUND Equities 81369Y605   528,446 9,896 SH   OTR 2 0 9,896 0
VANGUARD SHORT TERM CORP BOND ETF Equities 92206C409   260,873 3,377 SH   OTR 2 0 3,377 0
CONOCOPHILLIPS Equities 20825C104   51,312 410 SH   OTR 2 0 410 0
COSTCO WHOLESALE CORP Equities 22160K105   76,469 84 SH   OTR 2 0 84 0
DANAHER CORP Equities 235851102   11,078 50 SH   OTR 2 0 50 0
VERTEX PHARMACEUTICALS INC Equities 92532F100   227,945 436 SH   OTR 2 0 436 0
WALMART INC Equities 931142103   68,379 658 SH   OTR 2 0 658 0
AMPHENOL CORP CL A Equities 032095101   260,993 3,096 SH   OTR 2 0 3,096 0
SPDR PORTFOLIO S&P 500 VALUE ETF Equities 78464A508   93,896 1,536 SH   OTR 2 0 1,536 0
ISHARES IBONDS DEC 2031 TERM CORP Equities 46436E486   396,887 19,785 SH   OTR 2 0 19,785 0
ECOLAB INC Equities 278865100   169,690 618 SH   OTR 2 0 618 0
BERKSHIRE HATHAWAY INC-CL B Equities 084670702   301,260 605 SH   OTR 2 0 605 0
TESLA INC Equities 88160R101   77,349 218 SH   OTR 2 0 218 0
ABBOTT LABS Equities 002824100   12,453 126 SH   OTR 2 0 126 0
VANGUARD MID-CAP ETF Equities 922908629   1,924,740 24,544 SH   OTR 2 0 24,544 0
MCDONALDS CORP Equities 580135101   40,415 175 SH   OTR 2 0 175 0
CUMMINS INC Equities 231021106   75,419 146 SH   OTR 2 0 146 0
INTERCONTINENTAL EXCHANGE GROUP, INC Equities 45866F104   108,549 714 SH   OTR 2 0 714 0
JOHNSON & JOHNSON Equities 478160104   1,060,019 4,004 SH   OTR 2 0 4,004 0
SPDR S&P BIOTECH ETF Equities 78464A870   11,038 70 SH   OTR 2 0 70 0
ABBVIE INC Equities 00287Y109   261,590 1,000 SH   OTR 2 0 1,000 0
CONS DISC SELECT SECTOR SPDR FUND Equities 81369Y407   394,218 3,622 SH   OTR 2 0 3,622 0
AMGEN INC Equities 031162100   126,875 301 SH   OTR 2 0 301 0
ALPHABET INC CL A Equities 02079K305   1,515,672 4,405 SH   OTR 2 0 4,405 0
YUM BRANDS INC Equities 988498101   9,816 72 SH   OTR 2 0 72 0
META PLATFORMS INC CL A Equities 30303M102   322,705 445 SH   OTR 2 0 445 0
CHEVRON CORPORATION Equities 166764100   268,332 1,314 SH   OTR 2 0 1,314 0
MATERIALS SELECT SECTOR SPDR FUND Equities 81369Y100   151,024 3,101 SH   OTR 2 0 3,101 0
TORONTO DOMINION BANK Equities 891160509   244,933 2,084 SH   OTR 2 0 2,084 0
INTL. BUSINESS MACHINES CORP Equities 459200101   664,848 3,023 SH   OTR 2 0 3,023 0
EMERSON ELEC CO Equities 291011104   297,792 1,920 SH   OTR 2 0 1,920 0
INDUSTRIAL SELECT SECTOR SPDR FUND Equities 81369Y704   338,802 2,029 SH   OTR 2 0 2,029 0
BROADCOM INC Equities 11135F101   22,827 65 SH   OTR 2 0 65 0
VANGUARD S&P 500 ETF Equities 922908363   1,323,224 1,888 SH   OTR 2 0 1,888 0
ORACLE CORPORATION Equities 68389X105   479,864 3,495 SH   OTR 2 0 3,495 0
NETFLIX INC Equities 64110L106   64,362 925 SH   OTR 2 0 925 0
EATON CORP PLC Equities G29183103   204,112 475 SH   OTR 2 0 475 0
UNITEDHEALTH GROUP INC Equities 91324P102   45,151 123 SH   OTR 2 0 123 0
HONEYWELL AEROSPACE INC COM Equities 43849R105   18,286 118 SH   OTR 2 0 118 0
COMM. SERV. SELECT SECTOR SPDR FUND Equities 81369Y852   425,570 3,835 SH   OTR 2 0 3,835 0
ISHARES IBONDS DEC 2032 TC ETF Equities 46436E312   393,881 16,364 SH   OTR 2 0 16,364 0
MERCK & CO INC Equities 58933Y105   458,453 3,155 SH   OTR 2 0 3,155 0
STARBUCKS CORP Equities 855244109   104,765 1,115 SH   OTR 2 0 1,115 0
LILLY ELI & CO Equities 532457108   1,452,135 1,255 SH   OTR 2 0 1,255 0
INTEL CORP Equities 458140100   305,384 2,540 SH   OTR 2 0 2,540 0
ISHARES CORE S&P MID-CAP ETF Equities 464287507   336,294 4,674 SH   OTR 2 0 4,674 0
ISHARES TR IBONDS 2027 TERM ETF Equities 46436E478   124,211 5,703 SH   OTR 2 0 5,703 0
VERIZON COMMUNICATIONS Equities 92343V104   56,512 1,232 SH   OTR 2 0 1,232 0
HEALTH CARE SELECT SECTOR SPDR FUND Equities 81369Y209   402,692 2,391 SH   OTR 2 0 2,391 0
THERMO FISHER SCIENTIFIC INC Equities 883556102   70,880 105 SH   OTR 2 0 105 0
STRYKER CORPORATION Equities 863667101   236,835 860 SH   OTR 2 0 860 0
UNION PAC CORP Equities 907818108   116,200 427 SH   OTR 2 0 427 0
NEXTERA ENERGY INC Equities 65339F101   125,274 1,654 SH   OTR 2 0 1,654 0
VANGUARD SMALL-CAP ETF Equities 922908751   578,368 2,033 SH   OTR 2 0 2,033 0
3M CO Equities 88579Y101   426,790 2,600 SH   OTR 2 0 2,600 0
ISHARES IBONDS DEC 2028 TERM CORP Equities 46435U515   202,550 8,115 SH   OTR 2 0 8,115 0
ISHARES TR IBONDS DEC 2035 Equities 46438G372   388,369 16,135 SH   OTR 2 0 16,135 0
APPLE INC Equities 037833100   1,795,977 5,393 SH   OTR 2 0 5,393 0
EXXONMOBIL HOLDINGS Equities 30233Q108   980,569 6,025 SH   OTR 2 0 6,025 0
LOWES COS INC Equities 548661107   27,644 150 SH   OTR 2 0 150 0
PEPSICO INC Equities 713448108   209,215 1,651 SH   OTR 2 0 1,651 0
HONEYWELL TECHNOLOGIES Equities 438516205   27,422 130 SH   OTR 2 0 130 0
WILLIAMS COS INC Equities 969457100   86,186 1,268 SH   OTR 2 0 1,268 0
BANK OF AMERICA CORP Equities 060505104   219,353 4,030 SH   OTR 2 0 4,030 0
INTUIT INC Equities 461202103   206,783 750 SH   OTR 2 0 750 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   339,554 459 SH   OTR 2 0 459 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INC Equities 46436E528   696,628 30,920 SH   OTR 2 0 30,920 0
MASTERCARD INC CL A Equities 57636Q104   28,676 52 SH   OTR 2 0 52 0
PFIZER INC Equities 717081103   242,420 8,500 SH   OTR 2 0 8,500 0
COCA COLA CO Equities 191216100   147,713 1,716 SH   OTR 2 0 1,716 0
GOLDMAN SACHS GROUP INC Equities 38141G104   22,509 25 SH   OTR 2 0 25 0
ISHARES CORE MSCI DEV MKTS ETF Equities 46435G326   964,505 10,779 SH   OTR 2 0 10,779 0
BLACKROCK INC Equities 09290D101   204,250 193 SH   OTR 2 0 193 0
COLGATE PALMOLIVE CO Equities 194162103   427,880 5,015 SH   OTR 2 0 5,015 0
SALESFORCE INC Equities 79466L302   143,940 627 SH   OTR 2 0 627 0
MICROSOFT CORP Equities 594918104   1,990,052 3,880 SH   OTR 2 0 3,880 0
J P MORGAN EXCHANGE TRADED FD NASDAQ EQT PREM Equities 46654Q203   119,334 1,948 SH   OTR 2 0 1,948 0
T-MOBILE US INC Equities 872590104   40,607 249 SH   OTR 2 0 249 0
RTX CORPORATION Equities 75513E101   880,909 4,745 SH   OTR 2 0 4,745 0
MORGAN STANLEY Equities 617446448   219,113 1,165 SH   OTR 2 0 1,165 0
BRISTOL MYERS SQUIBB CO Equities 110122108   11,606 186 SH   OTR 2 0 186 0
PALO ALTO NETWORKS INC Equities 697435105   144,621 364 SH   OTR 2 0 364 0
CONSTELLATION BRANDS INC CL A Equities 21036P108   2,261 20 SH   OTR 2 0 20 0
DISNEY WALT CO NEW Equities 254687106   91,158 869 SH   OTR 2 0 869 0
MARVELL TECHNOLOGY INC Equities 573874104   405,034 1,533 SH   OTR 2 0 1,533 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   602,828 2,336 SH   OTR 2 0 2,336 0
ISHARES IBONDS DEC 2030 TERM CORP Equities 46436E726   349,486 16,532 SH   OTR 2 0 16,532 0
AMERICAN WATER WORKS CO INC Equities 030420103   32,885 254 SH   OTR 2 0 254 0
CISCO SYSTEMS INC Equities 17275R102   124,636 1,158 SH   OTR 2 0 1,158 0
TJX COS INC Equities 872540109   217,253 1,642 SH   OTR 2 0 1,642 0
CATERPILLAR INC Equities 149123101   692,415 854 SH   OTR 2 0 854 0
ISHARES IBONDS DEC 2029 TERM CORP Equities 46436E205   353,056 15,560 SH   OTR 2 0 15,560 0