| Schedule of Assets (Held at End of Year) |
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December 31, 2025 |
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(a) |
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(b)
Identity of issue, borrower, lessor, or
similar party |
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(c)
Description of investment including
maturity date, rate of interest,
collateral, par, or maturity value |
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(e)
Current Value |
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Cash and Cash Equivalents: |
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* |
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Vanguard Federal Money Market Fund |
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67,688 |
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shares |
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$ |
67,688 |
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Mutual Funds: |
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* |
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Vanguard Target Retirement 2035 Fund |
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452,855 |
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shares |
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12,399,174 |
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* |
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Vanguard Target Retirement 2030 Fund |
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253,006 |
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shares |
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10,709,740 |
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* |
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Vanguard Target Retirement 2025 Fund |
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431,927 |
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shares |
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8,616,942 |
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* |
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Vanguard Target Retirement 2040 Fund |
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127,944 |
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shares |
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6,390,785 |
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* |
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Vanguard Target Retirement 2045 Fund |
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173,901 |
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shares |
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6,041,318 |
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* |
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Vanguard 500 Index Fund Admiral Shares |
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9,284 |
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shares |
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5,866,045 |
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* |
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Vanguard Target Retirement 2050 Fund |
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78,389 |
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shares |
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4,646,924 |
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* |
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Vanguard Target Retirement Income |
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254,541 |
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shares |
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3,530,487 |
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* |
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Vanguard Target Retirement 2020 Fund |
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116,803 |
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shares |
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3,206,236 |
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* |
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Fidelity Large Cap Growth Index Fund |
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58,449 |
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shares |
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2,704,422 |
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* |
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Vanguard Target Retirement 2055 Fund |
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35,983 |
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shares |
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2,380,605 |
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* |
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Vanguard Small-Cap Index Fund Admiral Shares |
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11,821 |
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shares |
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1,460,838 |
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* |
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Vanguard Mid-Cap Index Fund Admiral Shares |
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3,892 |
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shares |
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1,398,684 |
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* |
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Vanguard Target Retirement 2060 Fund |
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21,502 |
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shares |
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1,311,209 |
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* |
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Vanguard Emerging Markets Stock Index Fund Admiral Shr |
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20,614 |
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shares |
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919,581 |
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* |
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American Funds EuroPacific Growth Fund; Class R-6 |
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11,465 |
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shares |
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694,564 |
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* |
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Baird Core Plus Bond Fund; Institutional Class |
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43,920 |
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shares |
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452,813 |
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* |
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Vanguard Target Retirement 2065 Fund |
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8,582 |
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shares |
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343,529 |
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* |
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Putnam Large Cap Value Fund; Class R6 |
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7,030 |
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shares |
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276,078 |
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* |
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Vanguard Total Bond Market Index Fund Admiral Shares |
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23,239 |
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shares |
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227,042 |
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* |
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Vanguard FTSE All-World ex-US Index Fund Admiral Shares |
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2,382 |
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shares |
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108,867 |
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* |
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Vanguard Target Retirement 2070 Fund |
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1,281 |
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shares |
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40,762 |
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73,726,645 |
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Common/Collective Trust: |
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* |
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Vanguard Retirement Savings Trust III |
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3,939,328 |
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shares |
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3,939,328 |
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* |
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Financial Institutions, Inc. Company Stock |
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69,196 |
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shares |
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2,156,841 |
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* |
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Notes receivable from participants |
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5.25% - 10.5%, due through 2039 |
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769,666 |
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$ |
80,660,168 |
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* Denotes party-in-interest Column (d), cost, has been omitted, as all investments are participant directed.
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