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
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