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
Expires: July 31, 2015
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 (x$1000) 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