TY 2020 Form 990PF

- TIN:

Form990-PF

Department of the Treasury
Internal Revenue Service

Return of Private Foundation

or Section 4947(a)(1) Trust Treated as Private Foundation

Do not enter social security numbers on this form as it may be made public.
bullet

Go to www.irs.gov/Form990PF for instructions and the latest information.

OMB No. 1545-0052

2020

Open to Public Inspection

For calendar year 2020, or tax year beginning 01-01-2020 , and ending 12-31-2020

Name of foundation
THE FREDERICK B AND RAMONA E MIRABI
TO FOUNDATION

Number and street (or P.O. box number if mail is not delivered to street address)185 N BROAD ST
Room/suite

City or town, state or province, country, and ZIP or foreign postal code
NORWICH, NY13815

A Employer identification number

16-1577124

B Telephone number (see instructions)

(607) 334-2444

C If exemption application is pending, check here bullet

G Check all that apply: Initial returnInitial return of a former public charity
Final returnAmended return
Address change Name change

D 1. Foreign organizations, check here............. bullet

2. Foreign organizations meeting the 85%
test, check here and attach computation ... bullet

E If private foundation status was terminated
under section 507(b)(1)(A), check here ....... bullet

H Check type of organization: Section 501(c)(3) exempt private foundation
Section 4947(a)(1) nonexempt charitable trust Other taxable private foundation

F If the foundation is in a 60-month termination
under section 507(b)(1)(B), check here ....... bullet

I Fair market value of all assets at end
of year (from Part II, col. (c),
line 16) bullet

$17,270,277J Accounting method: Cash Accrual
Other (specify)
(Part I, column (d) must be on cash basis.)

	Analysis of Revenue and Expenses (The total of amounts in columns (b), (c), and (d) may not necessarily equal the amounts in column (a) (see instructions).)	(a) Revenue and expenses per books		(b) Net investment income	(d) Disbursements for charitable purposes (cash basis only)


1	Contributions, gifts, grants, etc., received (attach schedule)	3,458,071
2	Check .............
3	Interest on savings and temporary cash investments
4	Dividends and interest from securities...	299,825		299,825
5a	Gross rents............
b	Net rental income or (loss)
6a	Net gain or (loss) from sale of assets not on line 10		340,225
b	Gross sales price for all assets on line 6a 11,676,367
7	Capital gain net income (from Part IV, line 2)...			340,225
8	Net short-term capital gain.........
9	Income modifications...........
10a	Gross sales less returns and allowances
b	Less: Cost of goods sold....
c	Gross profit or (loss) (attach schedule).....
11	Other income (attach schedule).......
12	Total. Add lines 1 through 11........	4,098,121		640,050
13	Compensation of officers, directors, trustees, etc.	17,800		17,800
14	Other employee salaries and wages......
15	Pension plans, employee benefits.......
16a	Legal fees (attach schedule).........		275	275
b	Accounting fees (attach schedule).......		7,468	7,468
c	Other professional fees (attach schedule)....		86,194	86,194
17	Interest...............
18	Taxes (attach schedule) (see instructions)...		7,823	750
19	Depreciation (attach schedule) and depletion...
20	Occupancy..............
21	Travel, conferences, and meetings.......
22	Printing and publications..........
23	Other expenses (attach schedule).......		4,773	4,773
24	Total operating and administrative expenses.
	Add lines 13 through 23..........	124,333		117,260	0
25	Contributions, gifts, grants paid.......	643,500			643,500
26	Total expenses and disbursements. Add lines 24 and 25	767,833		117,260	643,500
27	Subtract line 26 from line 12:
a	Excess of revenue over expenses and disbursements	3,330,288
b	Net investment income (if negative, enter -0-)			522,790
c	Adjusted net income (if negative, enter -0-)...

For Paperwork Reduction Act Notice, see instructions.

Cat. No. 11289X Form 990-PF (2020)

Form 990-PF (2020)

Page 2

Part II		Balance Sheets	Beginning of year	End of year
Part II		Balance Sheets	(a) Book Value	(b) Book Value	(c) Fair Market Value
	1	Cash—non-interest-bearing.............	5,000	24,575	24,575
	2	Savings and temporary cash investments.........	6,430,135	1,148,673	1,148,673
	3	Accounts receivable
		Less: allowance for doubtful accounts
	4	Pledges receivable
		Less: allowance for doubtful accounts	14,974
	5	Grants receivable.................
	6	Receivables due from officers, directors, trustees, and other
		disqualified persons (attach schedule) (see instructions).....
	7	Other notes and loans receivable (attach schedule)
		Less: allowance for doubtful accounts
	8	Inventories for sale or use..............
	9	Prepaid expenses and deferred charges..........
	10a	Investments—U.S. and state government obligations (attach schedule)
	b	Investments—corporate stock (attach schedule).......	6,717,432	15,322,299	16,088,692
	c	Investments—corporate bonds (attach schedule).......
	11	Investments—land, buildings, and equipment: basis
		Less: accumulated depreciation (attach schedule)
	12	Investments—mortgage loans.............
	13	Investments—other (attach schedule)..........
	14	Land, buildings, and equipment: basis
		Less: accumulated depreciation (attach schedule)
	15	Other assets (describe )	2,086	8,337	8,337
	16	Total assets (to be completed by all filers—see the
		instructions. Also, see page 1, item I)	13,169,627	16,503,884	17,270,277
	17	Accounts payable and accrued expenses..........	6,731	10,700
	18	Grants payable.................
	19	Deferred revenue.................
	20	Loans from officers, directors, trustees, and other disqualified persons
	21	Mortgages and other notes payable (attach schedule)......
	22	Other liabilities (describe )
	23	Total liabilities (add lines 17 through 22).........	6,731	10,700
		Foundations that follow FASB ASC 958, check here
		and complete lines 24, 25, 29 and 30.
	24	Net assets without donor restrictions...........	13,162,896	16,493,184
	25	Net assets with donor restrictions............
		Foundations that do not follow FASB ASC 958, check here
		and complete lines 26 through 30.
	26	Capital stock, trust principal, or current funds........
	27	Paid-in or capital surplus, or land, bldg., and equipment fund
	28	Retained earnings, accumulated income, endowment, or other funds
	29	Total net assets or fund balances (see instructions).....	13,162,896	16,493,184
	30	Total liabilities and net assets/fund balances (see instructions).	13,169,627	16,503,884

Part III

Analysis of Changes in Net Assets or Fund Balances

Total net assets or fund balances at beginning of year—Part II, column (a), line 29 (must agree with end-of-year figure reported on prior year’s return) ...............

13,162,896

Enter amount from Part I, line 27a .....................

3,330,288

Other increases not included in line 2 (itemize) bullet

Add lines 1, 2, and 3 ..........................

16,493,184

Decreases not included in line 2 (itemize) bullet

Total net assets or fund balances at end of year (line 4 minus line 5)—Part II, column (b), line 29 .

16,493,184

Form 990-PF (2020)

Page 3

Part IV

Capital Gains and Losses for Tax on Investment Income

(a) List and describe the kind(s) of property sold (e.g., real estate, 2-story brick warehouse; or common stock, 200 shs. MLC Co.)		(b) How acquired P—Purchase D—Donation	(c) Date acquired (mo., day, yr.)	(d) Date sold (mo., day, yr.)
1 a	AB INCOME ADVISOR CL	P	2020-01-02	2020-04-22
b	CITIGROUP	P	2020-01-02	2020-11-16
c	FIRST TR EXCHANFE-TRADED FD III EURO	P	2020-03-30	2020-05-01
d	LOCORR LONG SHORT COMMODITIES STRATE	P	2020-08-10	2020-11-16
e	WELLS FARGO BANK	P	2020-01-21	2020-07-30
	ALGER WEATHERBIE SPECILIZED GROWTH C	P	2020-01-22	2020-11-16
	COCA COLA	P	2020-01-02	2020-11-16
	FIRST TR EXCHANGE-TRADED FD III ASIA	P	2020-02-13	2020-05-01
	NUVEEN S&P 500 BUY WRITE INCOME FUND	P	2020-01-02	2020-09-03
	WELLS FARGO BANK	P	2020-01-21	2020-06-01
	ALPS ETF TRUST RIVERFRONT STRATEGIC	P	2020-02-13	2020-05-01
	COLUMBIA SMALL CAP GROWTH	P	2020-06-03	2020-12-23
	FIRST TR EXCHANGE-TRADED FD III ASIA	P	2020-02-13	2020-05-01
	PARAMETRIC 1 TO 10 YR LADDERED CORP	P	2020-01-02	2020-05-21
	ALPS ETF TRUST RIVERFRONT STRATEGIC	P	2020-02-13	2020-05-01
	COSTO WHOLESALE CORP	P	2020-01-02	2020-11-16
	GMAC CAPITAL	P	2020-01-02	2020-11-16
	PERFORMANCE TRUST STRATEGIC BOND	P	2020-01-02	2020-11-16
	AMAZON	P	2019-11-12	2020-11-16
	CRAFT BREW ALLIANCE INC COM	P	2020-03-12	2020-05-01
	GMAC CAPITAL	P	2019-11-09	2020-11-16
	PERFORMANCE TRUST STRATEGIC BOND	P	2019-11-05	2020-11-16
	AMERICAN INTL GROUP INC	P	2020-01-02	2020-03-16
	DELTA AIRLINES INC	P	2020-07-15	2020-11-20
	INVESCO EXCHANGE KBW BK ETF	P	2020-01-02	2020-11-16
	PROSHARES TRUST S&P 500 DIV ARISTICR	P	2020-03-24	2020-08-18
	AT&T	P	2020-01-02	2020-03-16
	DFA GLOBAL REAL ESTATE SECURITIES IN	P	2020-01-02	2020-03-16
	ISHARES 1-3 YR TREASURY	P	2020-01-02	2020-11-16
	PROSHARES TRUST S&P 500 DIV ARISTICR	P	2020-01-02	2020-10-02
	AT&T	P	2020-01-02	2020-11-16
	EATON VANCE	P	2020-01-02	2020-11-16
	ISHARES RUSSELL 2000 ETF	P	2020-03-27	2020-04-22
	SPDR DOW JONES INDL AVERAGE ETF TR U	P	2020-04-08	2020-04-22
	AT&T	P	2019-11-13	2020-11-16
	EATON VANCE ATLANTA CAP SMID CAP CL	P	2020-01-02	2020-03-09
	ISHARES RUSSELL MID CAP ETF	P	2020-01-02	2020-09-03
	SPDR S&P 500 ETF TRUST TRUST UNIT	P	2020-01-09	2020-04-22
	BAIRD CORE PLUS BOND FD INVESTOR CL	P	2020-01-02	2020-09-14
	EXXON MOBIL CORP	P	2020-01-02	2020-11-16
	ISHARES US TREASURY BOND	P	2020-01-02	2020-11-16
	SPDR S&P 500 ETF TRUST TRUST UNIT	P	2020-10-28	2020-12-24
	BLACKROCK MID CAP GROWTH EQUITY INST	P	2020-11-16	2020-12-23
	FIDELITY ADVISOR CONSUMER STAPLES	P	2020-01-02	2020-11-16
	JP MORGAN EQUITY PREMIUM INCOME CL I	P	2020-01-02	2020-11-16
	WALMART INC COM	P	2020-04-29	2020-08-20
	BOEING COMPANY	P	2020-01-02	2020-11-16
	FIDELITY ADVISOR CONSUMER STAPLES	P	2019-11-07	2020-11-16
	JPMORGAN CHASE BANK NA COLUMBUS CD 2	P	2019-11-07	2020-11-16
	WALT DISNEY	P	2020-01-02	2020-03-16
	CALVERT GREEN BOND CL I	P	2020-01-02	2020-11-16
	FIDELITY ADVISOR INTL CAP APPREC CL	P	2020-01-02	2020-03-05
	JPMORGAN CORE BOND CL I	P	2020-01-02	2020-11-16
	WESTERN ASSET CORE PLUS BOND CL I	P	2020-01-02	2020-11-16
	CALVERT GREEN BOND CL I	P	2019-11-05	2020-11-16
	FIDELITY ADVISOR REAL ESTATE INCOME	P	2020-01-02	2020-04-17
	JPMORGAN EQUITY INCOME CL I	P	2020-01-02	2020-03-16
	WESTERN ASSET CORE PLUS BOND CL I	P	2019-11-05	2020-11-16
	CITIBANK NA CD 2.05%	P	2019-11-07	2020-11-04
	FIRST TR EXCHANFE-TRADED FD III EURO	P	2019-11-14	2020-05-01
	JPMORGAN LARGE CAP GROWTH CL I	P	2019-11-05	2020-03-16
	VIATRIS INC COM	P	2020-08-28	2020-11-20

(e) Gross sales price		(g) Cost or other basis plus expense of sale	(h) Gain or (loss) (e) plus (f) minus (g)
a	478,716	507,435	-28,719
b	171,476	252,702	-81,226
c	12	13	-1
d	146,951	150,000	-3,049
e	100,000	100,005	-5
	506,799	400,000	106,799
	244,991	209,607	35,384
	15,324	17,842	-2,518
	117,549	114,798	2,751
	100,000	101,321	-1,321
	15,414	16,546	-1,132
	19,598	13,870	5,728
	13	15	-2
	501,938	506,866	-4,928
	90	111	-21
	229,188	189,494	39,694
	13,464	12,177	1,287
	15,891	15,757	134
	342,315	195,222	147,093
	15,673	13,798	1,875
	231,643	223,323	8,320
	400,874	400,005	869
	21,100	41,307	-20,207
	32,690	29,629	3,061
	329,994	290,769	39,225
	146,916	107,203	39,713
	185,397	185,397
	85,706	127,913	-42,207
	434,088	435,101	-1,013
	259,476	196,825	62,651
	257,891	268,020	-10,129
	257,455	252,541	4,914
	48,302	48,350	-48
	71,946	71,916	30
	133,984	158,634	-24,650
	451,490	567,320	-115,830
	437,589	302,124	135,465
	85,017	85,017
	152,357	151,292	1,065
	388,061	430,771	-42,710
	221,043	223,785	-2,742
	167,058	148,132	18,926
	149	134	15
	8,528	7,514	1,014
	262,148	254,717	7,431
	67,239	62,327	4,912
	330,044	199,318	130,726
	196,390	180,000	16,390
	100,000	100,002	-2
	144,992	207,784	-62,792
	11,849	11,542	307
	307,428	301,704	5,724
	377,254	368,778	8,476
	23,194	22,368	826
	519,924	500,000	19,924
	96,460	122,809	-26,349
	302,595	417,274	-114,679
	519,470	500,000	19,470
	100,000	100,002	-2
	7,152	8,391	-1,239
	360,766	408,515	-47,749
	12	10	2

Complete only for assets showing gain in column (h) and owned by the foundation on 12/31/69			(l) Gains (Col. (h) gain minus col. (k), but not less than -0-) or Losses (from col.(h))
(i) F.M.V. as of 12/31/69	(j) Adjusted basis as of 12/31/69	(k) Excess of col. (i) over col. (j), if any
a			-28,719
b			-81,226
c			-1
d			-3,049
e			-5
			106,799
			35,384
			-2,518
			2,751
			-1,321
			-1,132
			5,728
			-2
			-4,928
			-21
			39,694
			1,287
			134
			147,093
			1,875
			8,320
			869
			-20,207
			3,061
			39,225
			39,713

			-42,207
			-1,013
			62,651
			-10,129
			4,914
			-48
			30
			-24,650
			-115,830
			135,465

			1,065
			-42,710
			-2,742
			18,926
			15
			1,014
			7,431
			4,912
			130,726
			16,390
			-2
			-62,792
			307
			5,724
			8,476
			826
			19,924
			-26,349
			-114,679
			19,470
			-2
			-1,239
			-47,749
			2

2	Capital gain net income or (net capital loss)	If gain, also enter in Part I, line 7 If (loss), enter -0- in Part I, line 7	2	340,225
3	Net short-term capital gain or (loss) as defined in sections 1222(5) and (6):
	If gain, also enter in Part I, line 8, column (c) (see instructions). If (loss), enter -0- in Part I, line 8 ...................		3	47,517

Part V

Qualification Under Section 4940(e) for Reduced Tax on Net Investment Income

SECTION 4940(e) REPEALED ON DECEMBER 20, 2019 - DO NOT COMPLETE

1 Reserved

(a) Reserved	(b) Reserved	(c) Reserved	(d) Reserved

Reserved...........................

Reserved,..........................

Form 990-PF (2020)

Page 4

Part VI

Excise Tax Based on Investment Income (Section 4940(a), 4940(b), 4940(e), or 4948—see instructions)

1a	Exempt operating foundations described in section 4940(d)(2), check here and enter “N/A" on line 1.
	Date of ruling or determination letter: (attach copy of letter if necessary–see instructions)
b	Reserved................................	1	7,267
c	All other domestic foundations enter 1.39% of line 27b. Exempt foreign organizations enter 4% of Part I, line 12, col. (b)
2	Tax under section 511 (domestic section 4947(a)(1) trusts and taxable foundations only. Others enter -0-)	2
3	Add lines 1 and 2...........................	3	7,267
4	Subtitle A (income) tax (domestic section 4947(a)(1) trusts and taxable foundations only. Others enter -0-)	4
5	Tax based on investment income. Subtract line 4 from line 3. If zero or less, enter -0- .....	5	7,267
6	Credits/Payments:

a	2020 estimated tax payments and 2019 overpayment credited to 2020	6a	4,000
b	Exempt foreign organizations—tax withheld at source......	6b
c	Tax paid with application for extension of time to file (Form 8868)...	6c	5,000
d	Backup withholding erroneously withheld ...........	6d

7	Total credits and payments. Add lines 6a through 6d..............		7	9,000
8	Enter any penalty for underpayment of estimated tax. Check here if Form 2220 is attached.		8
9	Tax due. If the total of lines 5 and 8 is more than line 7, enter amount owed.......		9
10	Overpayment. If line 7 is more than the total of lines 5 and 8, enter the amount overpaid...		10	1,733
11	Enter the amount of line 10 to be: Credited to 2021 estimated tax1,733	Refunded	11

Part VII-A

Statements Regarding Activities

During the tax year, did the foundation attempt to influence any national, state, or local legislation or did

Yes

it participate or intervene in any political campaign? ....................

Did it spend more than $100 during the year (either directly or indirectly) for political purposes? See the instructions

for the definition.................................

If the answer is "Yes" to 1a or 1b, attach a detailed description of the activities and copies of any materials

published or distributed by the foundation in connection with the activities.

Did the foundation file Form 1120-POL for this year?.....................

Enter the amount (if any) of tax on political expenditures (section 4955) imposed during the year:

(1) On the foundation. bullet

$ (2) On foundation managers. bullet

Enter the reimbursement (if any) paid by the foundation during the year for political expenditure tax imposed

on foundation managers. bullet

Has the foundation engaged in any activities that have not previously been reported to the IRS?.......

If "Yes," attach a detailed description of the activities.

Has the foundation made any changes, not previously reported to the IRS, in its governing instrument, articles

of incorporation, or bylaws, or other similar instruments? If "Yes," attach a conformed copy of the changes....

Did the foundation have unrelated business gross income of $1,000 or more during the year?........

If "Yes," has it filed a tax return on Form 990-T for this year?...................

Was there a liquidation, termination, dissolution, or substantial contraction during the year?.........

If "Yes," attach the statement required by General Instruction T.

Are the requirements of section 508(e) (relating to sections 4941 through 4945) satisfied either:

By language in the governing instrument, or

By state legislation that effectively amends the governing instrument so that no mandatory directions

that conflict with the state law remain in the governing instrument?................

Yes

Did the foundation have at least $5,000 in assets at any time during the year? If "Yes," complete Part II, col. (c),

and Part XV..................................

Yes

Enter the states to which the foundation reports or with which it is registered (see instructions)

If the answer is "Yes" to line 7, has the foundation furnished a copy of Form 990-PF to the Attorney

General (or designate) of each state as required by General Instruction G? If "No," attach explanation .

Yes

Is the foundation claiming status as a private operating foundation within the meaning of section 4942(j)(3)

or 4942(j)(5) for calendar year 2020 or the taxable year beginning in 2020? See the instructions for Part XIV.

If "Yes," complete Part XIV .............................

Did any persons become substantial contributors during the tax year? If "Yes," attach a schedule listing their names

and addresses. ...............................

Form 990-PF (2020)

Page 5

Part VII-A

Statements Regarding Activities (continued)

At any time during the year, did the foundation, directly or indirectly, own a controlled entity within the

meaning of section 512(b)(13)? If "Yes," attach schedule. See instructions .............

Did the foundation make a distribution to a donor advised fund over which the foundation or a disqualified person had

advisory privileges? If "Yes," attach statement. See instructions.................

Did the foundation comply with the public inspection requirements for its annual returns and exemption application?

Yes

Website address bullet

N/A

The books are in care of bullet

RICHARD RUNYON Telephone no. bullet

(607) 334-2444

Located at bullet

185 NORTH BROAD STNORWICHNY ZIP+4 bullet

13815

Section 4947(a)(1) nonexempt charitable trusts filing Form 990-PF in lieu of Form 1041 —check here ......... bullet

and enter the amount of tax-exempt interest received or accrued during the year ........ bullet

16 At any time during calendar year 2020, did the foundation have an interest in or a signature or other authority over YesNo

a bank, securities, or other financial account in a foreign country? .................

16 No

See the instructions for exceptions and filing requirements for FinCEN Form 114. If "Yes", enter the name of the foreign
country bullet

Part VII-B

Statements Regarding Activities for Which Form 4720 May Be Required

File Form 4720 if any item is checked in the "Yes" column, unless an exception applies.

Yes

During the year did the foundation (either directly or indirectly):

(1) Engage in the sale or exchange, or leasing of property with a disqualified person? YesNo

(2) Borrow money from, lend money to, or otherwise extend credit to (or accept it from)

a disqualified person?......................YesNo

(3) Furnish goods, services, or facilities to (or accept them from) a disqualified person? YesNo

(4) Pay compensation to, or pay or reimburse the expenses of, a disqualified person? YesNo

(5) Transfer any income or assets to a disqualified person (or make any of either available

for the benefit or use of a disqualified person)?...............YesNo

(6) Agree to pay money or property to a government official? (Exception. Check "No"

if the foundation agreed to make a grant to or to employ the official for a period

after termination of government service, if terminating within 90 days.).......YesNo

If any answer is "Yes" to 1a(1)–(6), did any of the acts fail to qualify under the exceptions described in Regulations

section 53.4941(d)-3 or in a current notice regarding disaster assistance? See instructions ........

Organizations relying on a current notice regarding disaster assistance check here........ bullet

Did the foundation engage in a prior year in any of the acts described in 1a, other than excepted acts,

that were not corrected before the first day of the tax year beginning in 2020?.............

Taxes on failure to distribute income (section 4942) (does not apply for years the foundation was a private

operating foundation defined in section 4942(j)(3) or 4942(j)(5)):

At the end of tax year 2020, did the foundation have any undistributed income (lines 6d

and 6e, Part XIII) for tax year(s) beginning before 2020?.............YesNo

If "Yes," list the years bullet

20, 20, 20, 20

Are there any years listed in 2a for which the foundation is not applying the provisions of section 4942(a)(2)

(relating to incorrect valuation of assets) to the year’s undistributed income? (If applying section 4942(a)(2)

to all years listed, answer "No" and attach statement—see instructions.) ..............

If the provisions of section 4942(a)(2) are being applied to any of the years listed in 2a, list the years here.

20, 20, 20, 20

Did the foundation hold more than a 2% direct or indirect interest in any business enterprise at

any time during the year?......................YesNo

If "Yes," did it have excess business holdings in 2020 as a result of (1) any purchase by the foundation

or disqualified persons after May 26, 1969; (2) the lapse of the 5-year period (or longer period approved

by the Commissioner under section 4943(c)(7)) to dispose of holdings acquired by gift or bequest; or (3)

the lapse of the 10-, 15-, or 20-year first phase holding period? (Use Schedule C, Form 4720, to determine

if the foundation had excess business holdings in 2020.)..................

Did the foundation invest during the year any amount in a manner that would jeopardize its charitable purposes?

Did the foundation make any investment in a prior year (but after December 31, 1969) that could jeopardize its

charitable purpose that had not been removed from jeopardy before the first day of the tax year beginning in 2020?

Form 990-PF (2020)

Page 6

Part VII-B

Statements Regarding Activities for Which Form 4720 May Be Required (continued)

During the year did the foundation pay or incur any amount to:

Yes

(1) Carry on propaganda, or otherwise attempt to influence legislation (section 4945(e))? YesNo

(2) Influence the outcome of any specific public election (see section 4955); or to carry

on, directly or indirectly, any voter registration drive?.............YesNo

(3) Provide a grant to an individual for travel, study, or other similar purposes? YesNo

(4) Provide a grant to an organization other than a charitable, etc., organization described

in section 4945(d)(4)(A)? See instructions................YesNo

(5) Provide for any purpose other than religious, charitable, scientific, literary, or

educational purposes, or for the prevention of cruelty to children or animals?.....YesNo

If any answer is "Yes" to 5a(1)–(5), did any of the transactions fail to qualify under the exceptions described in

Regulations section 53.4945 or in a current notice regarding disaster assistance? See instructions ......

Organizations relying on a current notice regarding disaster assistance check here......... bullet

If the answer is "Yes" to question 5a(4), does the foundation claim exemption from the

tax because it maintained expenditure responsibility for the grant?..........YesNo

If "Yes," attach the statement required by Regulations section 53.4945–5(d).

Did the foundation, during the year, receive any funds, directly or indirectly, to pay premiums on

a personal benefit contract?.....................YesNo

Did the foundation, during the year, pay premiums, directly or indirectly, on a personal benefit contract? ....

If "Yes" to 6b, file Form 8870.

At any time during the tax year, was the foundation a party to a prohibited tax shelter transaction? YesNo

If "Yes", did the foundation receive any proceeds or have any net income attributable to the transaction? ....

Is the foundation subject to the section 4960 tax on payment(s) of more than $1,000,000 in remuneration or

excess parachute payment during the year? .................YesNo

Part VIII

Information About Officers, Directors, Trustees, Foundation Managers, Highly Paid Employees,
and Contractors

1 List all officers, directors, trustees, foundation managers and their compensation. See instructions

(a) Name and address	(b) Title, and average hours per week devoted to position	(c) Compensation (If not paid, enter -0-)	(d) Contributions to employee benefit plans and deferred compensation	(e) Expense account, other allowances
RICHARD RUNYON	TRUSTEE 5.00	17,800	0	0
185 NORTH BROAD ST NORWICH,NY13815	TRUSTEE 5.00	17,800	0	0

2 Compensation of five highest-paid employees (other than those included on line 1—see instructions). If none, enter “NONE."


(a) Name and address of each employee paid more than $50,000	(b) Title, and average hours per week devoted to position	(c) Compensation	(d) Contributions to employee benefit plans and deferred compensation	(e) Expense account, other allowances
NONE









Total number of other employees paid over $50,000...................

Form 990-PF (2020)

Page 7

Part VIII

Information About Officers, Directors, Trustees, Foundation Managers, Highly Paid Employees,
and Contractors (continued)

3 Five highest-paid independent contractors for professional services (see instructions). If none, enter "NONE".
(a) Name and address of each person paid more than $50,000	(b) Type of service	(c) Compensation
NONE

Total number of others receiving over $50,000 for professional services............. bullet

Part IX-A

Summary of Direct Charitable Activities

List the foundation’s four largest direct charitable activities during the tax year. Include relevant statistical information such as the number of organizations and other beneficiaries served, conferences convened, research papers produced, etc.	Expenses
1


2


3


4

Part IX-B

Summary of Program-Related Investments (see instructions)

Describe the two largest program-related investments made by the foundation during the tax year on lines 1 and 2.	Amount
1	N/A
2


All other program-related investments. See instructions.
3

Total. Add lines 1 through 3......................... bullet

Form 990-PF (2020)

Page 8

Part X

Minimum Investment Return (All domestic foundations must complete this part. Foreign foundations, see instructions.)

Fair market value of assets not used (or held for use) directly in carrying out charitable, etc.,

purposes:

Average monthly fair market value of securities...................

11,226,474

Average of monthly cash balances.......................

3,206,655

Fair market value of all other assets (see instructions)................

5,215

Total (add lines 1a, b, and c).........................

14,438,344

Reduction claimed for blockage or other factors reported on lines 1a and

1c (attach detailed explanation) .............

Acquisition indebtedness applicable to line 1 assets..................

Subtract line 2 from line 1d.........................

14,438,344

Cash deemed held for charitable activities. Enter 1 1/2% of line 3 (for greater amount, see

instructions) .............................

216,575

Net value of noncharitable-use assets. Subtract line 4 from line 3. Enter here and on Part V, line 4

14,221,769

Minimum investment return. Enter 5% of line 5..................

711,088

Part XI

Distributable Amount (see instructions) (Section 4942(j)(3) and (j)(5) private operating foundations and certain foreign organizations check here right arrow

and do not complete this part.)

Minimum investment return from Part X, line 6....................

711,088

Tax on investment income for 2020 from Part VI, line 5......

7,267

Income tax for 2020. (This does not include the tax from Part VI.)...

Add lines 2a and 2b............................

7,267

Distributable amount before adjustments. Subtract line 2c from line 1............

703,821

Recoveries of amounts treated as qualifying distributions................

Add lines 3 and 4............................

703,821

Deduction from distributable amount (see instructions).................

Distributable amount as adjusted. Subtract line 6 from line 5. Enter here and on Part XIII, line 1 ...

703,821

Part XII

Qualifying Distributions (see instructions)

Amounts paid (including administrative expenses) to accomplish charitable, etc., purposes:

Expenses, contributions, gifts, etc.—total from Part I, column (d), line 26 ..........

643,500

Program-related investments—total from Part IX-B..................

Amounts paid to acquire assets used (or held for use) directly in carrying out charitable, etc.,

purposes...............................

Amounts set aside for specific charitable projects that satisfy the:

Suitability test (prior IRS approval required)....................

Cash distribution test (attach the required schedule) .................

Qualifying distributions. Add lines 1a through 3b. Enter here and on Part V, line 8, and Part XIII, line 4

643,500

Foundations that qualify under section 4940(e) for the reduced rate of tax on net investment

income. Enter 1% of Part I, line 27b. See instructions.................

Adjusted qualifying distributions. Subtract line 5 from line 4..............

643,500

Note: The amount on line 6 will be used in Part V, column (b), in subsequent years when calculating whether the foundation qualifies for
the section 4940(e) reduction of tax in those years.

Form 990-PF (2020)

Page 9

Part XIII

Undistributed Income (see instructions)

		(a) Corpus	(d) 2020
1 Distributable amount for 2020 from Part XI, line 7			703,821
2 Undistributed income, if any, as of the end of 2020:
a Enter amount for 2019 only.......
b Total for prior years:20, 20, 20
3 Excess distributions carryover, if any, to 2020:
a From 2015......	163
b From 2016......	265
c From 2017......	99
d From 2018......	240
e From 2019......	129,076
fTotal of lines 3a through e........		129,843
4Qualifying distributions for 2020 from Part
XII, line 4: $ 643,500
a Applied to 2019, but not more than line 2a
b Applied to undistributed income of prior years (Election required—see instructions).....
c Treated as distributions out of corpus (Election required—see instructions)........
d Applied to 2020 distributable amount.....			643,500
e Remaining amount distributed out of corpus
5 Excess distributions carryover applied to 2020.		60,321	60,321
(If an amount appears in column (d), the same amount must be shown in column (a).)
6Enter the net total of each column as indicated below:
a Corpus. Add lines 3f, 4c, and 4e. Subtract line 5		69,522
b Prior years’ undistributed income. Subtract line 4b from line 2b ..........
c Enter the amount of prior years’ undistributed income for which a notice of deficiency has been issued, or on which the section 4942(a) tax has been previously assessed......
d Subtract line 6c from line 6b. Taxable amount —see instructions ...........
e Undistributed income for 2019. Subtract line 4a from line 2a. Taxable amount—see instructions .............
f Undistributed income for 2020. Subtract lines 4d and 5 from line 1. This amount must be distributed in 2021 ..........			0
7 Amounts treated as distributions out of corpus to satisfy requirements imposed by section 170(b)(1)(F) or 4942(g)(3) (Election may be required - see instructions) .......
8 Excess distributions carryover from 2015 not applied on line 5 or line 7 (see instructions) ...
9Excess distributions carryover to 2021. Subtract lines 7 and 8 from line 6a ......		69,522
10 Analysis of line 9:
a Excess from 2016....
b Excess from 2017....
c Excess from 2018....
d Excess from 2019....	69,522
e Excess from 2020....

Form 990-PF (2020)

Page 10

Part XIV

Private Operating Foundations (see instructions and Part VII-A, question 9)

1a If the foundation has received a ruling or determination letter that it is a private operating
foundation, and the ruling is effective for 2020, enter the date of the ruling....... bullet

b Check box to indicate whether the organization is a private operating foundation described in section4942(j)(3) or4942(j)(5)

2a Enter the lesser of the adjusted net income from Part I or the minimum investment return from Part X for each year listed ..........	Tax year	Prior 3 years			(e) Total
	(a) 2020	(b) 2019	(c) 2018	(d) 2017	(e) Total

b 85% of line 2a .........
c Qualifying distributions from Part XII, line 4 for each year listed .....
d Amounts included in line 2c not used directly for active conduct of exempt activities ..........
e Qualifying distributions made directly for active conduct of exempt activities. Subtract line 2d from line 2c ....
3 Complete 3a, b, or c for the alternative test relied upon:
a “Assets" alternative test—enter:
(1) Value of all assets ......
(2) Value of assets qualifying under section 4942(j)(3)(B)(i)
b “Endowment" alternative test— enter 2/3 of minimum investment return shown in Part X, line 6 for each year listed...
c “Support" alternative test—enter:
(1) Total support other than gross investment income (interest, dividends, rents, payments on securities loans (section 512(a)(5)), or royalties) ....
(2) Support from general public and 5 or more exempt organizations as provided in section 4942(j)(3)(B)(iii)....
(3) Largest amount of support from an exempt organization
(4) Gross investment income

Part XV

Supplementary Information (Complete this part only if the foundation had $5,000 or more in
assets at any time during the year—see instructions.)

1Information Regarding Foundation Managers:

aList any managers of the foundation who have contributed more than 2% of the total contributions received by the foundation
before the close of any tax year (but only if they have contributed more than $5,000). (See section 507(d)(2).)

bList any managers of the foundation who own 10% or more of the stock of a corporation (or an equally large portion of the
ownership of a partnership or other entity) of which the foundation has a 10% or greater interest.

2Information Regarding Contribution, Grant, Gift, Loan, Scholarship, etc., Programs:

Check here bullet

if the foundation only makes contributions to preselected charitable organizations and does not accept
unsolicited requests for funds. If the foundation makes gifts, grants, etc. to individuals or organizations under
other conditions, complete items 2a, b, c, and d. See instructions

aThe name, address, and telephone number or email address of the person to whom applications should be addressed:

bThe form in which applications should be submitted and information and materials they should include:

cAny submission deadlines:

dAny restrictions or limitations on awards, such as by geographical areas, charitable fields, kinds of institutions, or other
factors:

Form 990-PF (2020)

Page 11

Part XV

Supplementary Information (continued)

3 Grants and Contributions Paid During the Year or Approved for Future Payment
Recipient	If recipient is an individual, show any relationship to any foundation manager or substantial contributor	Foundation status of recipient	Purpose of grant or contribution	Amount
Name and address (home or business)		Foundation status of recipient	Purpose of grant or contribution	Amount
aPaid during the year
TOYS FOR TOTS PO BOX 24 NEW BERLIN,NY13411		PC	TOYS FOR CHILDREN	7,000
CHENANGO COUNTY AGRICULTURAL SOCIET PO BOX 622 NORWICH,NY13815			RENOVATIONS	40,000
CHRISTIAN NEIGHBORHOOD CENTER PO BOX 509 NORWICH,NY13815		PC	RENOVATIONS	26,500
ST MALACHY'S CHURCH PO BOX 722 SHERBURNE,NY13460		PC	RENOVATIONS	30,000
CHENANGO VALLEY HOME 24 CANASAWACTA ST NORWICH,NY13815		PC	INSTALLATION OF HVAC SYSTEM	25,000
HOSPICE AND PALLIATIVE CARE OF CHEN 33 COURT ST NORWICH,NY13815		PC	MEDICATION	15,000
ST BARTHOLOMEW'S CHURCH 73 EAST MAIN ST NORWICH,NY13815		PC	HOLIDAY FOOD BASKETS	5,000
UNITED WAY 83 N BROAD ST NORWICH,NY13815		PC	COVID-19 RESPONSE FOOD FUND	25,000
CHENANGO COUNTY HISTORICAL SOCIETY 45 REXFORD ST NORWICH,NY13815		PC	OPERATIONS	5,000
CATHOLIC SCHOOLS OF BROOME COUNTY 70 SEMINARY AVE BINGHAMTON,NY13905		PC	TRANSPORTATION OF STUDENTS	15,000
THE IMPACT PROJECT 4 CLINTON ST GREENE,NY13778		PC	RENOVATION PROJECTS	50,000
NORTHEAST CLASSIC CAR MUSEUM 24 REXFORD ST NORWICH,NY13815		PC	CONSTRUCTION OF PARKING FACILITY	200,000
TOWN OF OXFORD PO BOX 271 OXFORD,NY13830		GOV	RENOVATE COMMUNITY POOL	200,000
Total ................................. 3a				643,500

bApproved for future payment

Total ................................. 3b

Form 990-PF (2020)

Page 12

Part XVI-A

Analysis of Income-Producing Activities

Enter gross amounts unless otherwise indicated.	Unrelated business income		Excluded by section 512, 513, or 514		(e) Related or exempt function income (See instructions.)
1Program service revenue:	(a) Business code	(b) Amount	(c) Exclusion code	(d) Amount	(e) Related or exempt function income (See instructions.)
a
b
c
d
e
f
gFees and contracts from government agencies
2 Membership dues and assessments....
3 Interest on savings and temporary cash investments ...........
4 Dividends and interest from securities....			14	299,825
5 Net rental income or (loss) from real estate:
aDebt-financed property......
bNot debt-financed property.....
6 Net rental income or (loss) from personal property
7 Other investment income.....
8 Gain or (loss) from sales of assets other than inventory ............			18	340,225
9 Net income or (loss) from special events:
10 Gross profit or (loss) from sales of inventory
11 Other revenue: aLIFE INSURANCE PROCEEDS			34
b
c
d
e
12 Subtotal. Add columns (b), (d), and (e)..				640,050

13Total. Add line 12, columns (b), (d), and (e)..................

640,050

(See worksheet in line 13 instructions to verify calculations.)

Part XVI-B

Relationship of Activities to the Accomplishment of Exempt Purposes

Line No.	Explain below how each activity for which income is reported in column (e) of Part XVI-A contributed importantly to the accomplishment of the foundation’s exempt purposes (other than by providing funds for such purposes). (See instructions.)

Form 990-PF (2020)

Page 13

Part XVII

Information Regarding Transfers To and Transactions and Relationships With Noncharitable Exempt Organizations

Did the organization directly or indirectly engage in any of the following with any other organization described in section 501(c) (other than section 501(c)(3) organizations) or in section 527, relating to political organizations?

Yes

Transfers from the reporting foundation to a noncharitable exempt organization of:

(1) Cash...................................

1a(1)

(2) Other assets.................................

1a(2)

Other transactions:

(1) Sales of assets to a noncharitable exempt organization....................

1b(1)

(2) Purchases of assets from a noncharitable exempt organization..................

1b(2)

(3) Rental of facilities, equipment, or other assets.......................

1b(3)

(4) Reimbursement arrangements...........................

1b(4)

(5) Loans or loan guarantees.............................

1b(5)

(6) Performance of services or membership or fundraising solicitations................

1b(6)

Sharing of facilities, equipment, mailing lists, other assets, or paid employees..............

If the answer to any of the above is "Yes," complete the following schedule. Column (b) should always show the fair market value
of the goods, other assets, or services given by the reporting foundation. If the foundation received less than fair market value
in any transaction or sharing arrangement, show in column (d) the value of the goods, other assets, or services received.

(a) Line No.	(b) Amount involved	(c) Name of noncharitable exempt organization	(d) Description of transfers, transactions, and sharing arrangements

Is the foundation directly or indirectly affiliated with, or related to, one or more tax-exempt organizations
described in section 501(c) (other than section 501(c)(3)) or in section 527? ...........Yes No

If "Yes," complete the following schedule.

(a) Name of organization	(b) Type of organization	(c) Description of relationship

Sign Here

Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct, and complete. Declaration of preparer (other than taxpayer) is based on all information of which preparer has any knowledge.
				May the IRS discuss this return with the preparer shown below? See instructions. Yes No
	Signature of officer or trustee	Date	Title

Paid Preparer Use Only	Print/Type preparer's name	Preparer's Signature	Date	Check if self- employed	PTIN
	Firm's name				Firm's EIN
	Firm's address				Phone no.

Form 990-PF (2020)

Additional Data

Software ID:
Software Version:

Form 990PF - Special Condition Description:

Special Condition Description

- TIN:

Schedule B
(Form 990, 990-EZ,
or 990-PF)

Department of the Treasury
Internal Revenue Service

Schedule of Contributors

Attach to Form 990, 990-EZ, or 990-PF.

Go to www.irs.gov/Form990 for the latest information.

OMB No. 1545-0047

2020

Name of the organization

THE FREDERICK B AND RAMONA E MIRABI
TO FOUNDATION

Employer identification number

16-1577124

Organization type (check one):

Filers of:

Section:

Form 990 or 990-EZ

501(c)( ) (enter number) organization

4947(a)(1) nonexempt charitable trust not treated as a private foundation

527 political organization

Form 990-PF

501(c)(3) exempt private foundation

4947(a)(1) nonexempt charitable trust treated as a private foundation

501(c)(3) taxable private foundation

Check if your organization is covered by the General Rule or a Special Rule.
Note: Only a section 501(c)(7), (8), or (10) organization can check boxes for both the General Rule and a Special Rule. See instructions.

General Rule

For an organization filing Form 990, 990-EZ, or 990-PF that received, during the year, contributions totaling $5,000 or more (in money or other property) from any one contributor. Complete Parts I and II. See instructions for determining a contributor's total contributions.

Special Rules

For an organization described in section 501(c)(3) filing Form 990 or 990-EZ that met the 33¹/3% support test of the regulations
under sections 509(a)(1) and 170(b)(1)(A)(vi), that checked Schedule A (Form 990 or 990-EZ), Part II, line 13, 16a, or 16b, and that received from any one contributor, during the year, total contributions of the greater of (1) $5,000 or (2) 2% of the amount on (i) Form 990, Part VIII, line 1h, or (ii) Form 990-EZ, line 1. Complete Parts I and II.

For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, total contributions of more than $1,000 exclusively for religious, charitable, scientific, literary, or educational purposes, or for the prevention of cruelty to children or animals. Complete Parts I, II, and III.

For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, contributions exclusively for religious, charitable, etc., purposes, but no such contributions totaled more than $1,000. If this box is checked, enter here the total contributions that were received during the year for an exclusively religious, charitable, etc., purpose. Don't complete any of the parts unless the General Rule applies to this organization because it received nonexclusively religious, charitable, etc., contributions totaling $5,000 or more during the year ......... Arrow Bullet

Caution: An organization that isn't covered by the General Rule and/or the Special Rules doesn't file Schedule B (Form 990,
990-EZ, or 990-PF), but it must answer “No” on Part IV, line 2, of its Form 990; or check the box on line H of its Form 990-EZ
or on its Form 990PF, Part I, line 2, to certify that it doesn't meet the filing requirements of Schedule B (Form 990,
990-EZ, or 990-PF).

For Paperwork Reduction Act Notice, see the Instructions
for Form 990, 990-EZ, or 990-PF.

Cat. No. 30613XSchedule B (Form 990, 990-EZ, or 990-PF) (2020)

Schedule B (Form 990, 990-EZ, or 990-PF) (2020) Page 2

Name of organization THE FREDERICK B AND RAMONA E MIRABI TO FOUNDATION

Part I Contributors	Contributors (see instructions). Use duplicate copies of Part I if additional space is needed.
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
1	ESTATE OF FREDERICK B MIRABITO 185 NORTH BROAD STREET NORWICH, NY13815	$ 3,458,071	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
Schedule B (Form 990, 990-EZ, or 990-PF) (2020)

Schedule B (Form 990, 990-EZ, or 990-PF) (2020)

Page 3

Name of organization THE FREDERICK B AND RAMONA E MIRABI TO FOUNDATION		Employer identification number 16-1577124

Part II	Noncash Property (see instructions). Use duplicate copies of Part II if additional space is needed.
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
Schedule B (Form 990, 990-EZ, or 990-PF) (2020)

Schedule B (Form 990, 990-EZ, or 990-PF) (2020)

Page 4


Name of organization THE FREDERICK B AND RAMONA E MIRABI TO FOUNDATION			Employer identification number 16-1577124
Part III Exclusively religious, charitable, etc., contributions to organizations described in section 501(c)(7), (8), or (10) that total more than $1,000 for the year from any one contributor. Complete columns (a) through (e) and the following line entry. For organizations completing Part III, enter the total of exclusively religious, charitable, etc., contributions of $1,000 or less for the year. (Enter this information once. See instructions.) $ Use duplicate copies of Part III if additional space is needed.

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

Schedule B (Form 990, 990-EZ, or 990-PF) (2020)

Additional Data

Software ID:
Software Version:

- TIN:

TY 2020 AccountingFeesSchedule

Name:

THE FREDERICK B AND RAMONA E MIRABI

TO FOUNDATION

EIN:

16-1577124

Category	Amount	Net Investment Income	Adjusted Net Income	Disbursements for Charitable Purposes
ACCOUNTING	7,468	7,468

- TIN:

TY 2020 InvestmentsCorpStockSchedule

Name:

THE FREDERICK B AND RAMONA E MIRABI

TO FOUNDATION

EIN:

16-1577124

Name of Stock	End of Year Book Value	End of Year Fair Market Value
AAM/BAHL & GAYNOR INCOME GROWTH	126,511	135,189
AB INCOME ADVISOR CL
AB INCOME FUND ADVISOR	154,510	158,576
ABBOT LABORATORIES	45,948	55,117
ALPHABET INC CAP STK CL C	58,794	70,075
ALPS ETF TR RIVERFRONT DYM	251,401	253,557
ALPS ETF TR RIVERFRONT UNC	21,617	22,060
ALPS ETF TRUST RIVERFRONT DYNAMIC US	219,483	236,685
ALPS ETF TRUST RIVERFRONT DYNAMIC US	340,842	371,272
ALPS ETF TRUST RIVERFRONT STRATEGIC	178,015	178,043
AMAZON	63,339	65,139
ANNALY CAPITAL MANAGEMENT	23,743	26,404
ANTHEM INC COM	45,606	48,883
APPLE INC COM	35,708	66,755
ASTRAZENECA	54,404	49,990
AT&T
BAIRD CORE PLUS BOND FD INVESTORS	178,178	177,173
BERKSHIRE HATHAWAY	71,048	81,155
BLACKROCK 60/40 TRAGET ALLOC		99,676
BLACKROCK INCOME INSTL CL BMSIX	607,073	616,275
BLACKROCK MIDCAP GROWTH EQUITY INST	550,472	607,603
BLACKROCK SYSTEMATIC MULT STRATEGY	704,807	700,537
BLACKROCK TAXABLE MUNICIPAL BOND FD	177,168	80,945
BOEING CO NOTE	30,614	31,272
CALVERT GREEN BOND CL I
CARETRUST REIT	20,335	22,821
CARRILLON REAMS CORE PLUS BOND CL	156,522	151,161
CATERPILLAR INC COM	50,665	73,844
CITIBANK NA CD 2.05%
CITIGROUP
CME GROUP INC	72,104	73,724
COCA COLA CO	47,639	55,313
COLUMBIA SMALL CAP GROWTH	267,906	342,093
CVS HEALTHCARE CORPORATION COM	63,889	69,106
DEERE & COMPANY	64,456	108,408
DELTA AIR LINES INC	63,119	48,509
DFA GLOBAL REAL ESTATE SECURITIES IN
DIAGED ADR EACH REPR 4	39,892	39,702
EATON VANCE 1 TO 10 YR LADDERED CORP
EATON VANCE ATLANTA CAP SMID CAP CL
EATON VANCE SHT DUR STRATEGIC INC FD	187,201	190,562
EDGEWOOD GROWTH FUND	117,799	135,288
EXELON CORP COM NPV	76,855	85,226
FIDELITY ADVISOR CONSUMER STAPLES CL
FIDELITY ADVISOR FL RATE HIGH INC CL	159,748	159,836
FIDELITY ADVISOR GROWTH OPPTY CL I	79,202	86,003
FIDELITY ADVISOR INTL CAP APPREC CL
FIDELITY EQUITY INCOME	129,347	131,734
FIDELITY REAL ESTATE INCOME	78,325	72,111
FINANCIAL INSTITUTIONS INC	35,736	45,756
FIRST TR EXCHANFE-TRADED FD III EURO
FIRST TR EXCHANGE-TRADED FD III ASIA
FIRST TR EXCHANGE-TRADED FD III DEV	184,981	207,409
FIRST TRUST RIVERFRONT DYNAMIC	102,029	112,148
FLAHERTY AND CRUMRINE PREFERRED	44,947	46,860
FRANK VALUE FUND - INSTITUTIONAL	100,394	107,777
FRANKLIN INCOME ADVISOR CLASS	98,498	104,717
GATEWAY FUND CLASS Y	126,402	132,359
GILEAD SCIENCES INC COM	60,883	47,757
GMAC CAPITAL TR I GTD TR PFD SECS SE	3,622	3,774
GOLDMAN SACHE REAL ESTATE DIV	52,147	47,738
INVESCO QQQ TR UNIT SER 1	153,267	188,951
ISHARES CORE US AGGREGATE BOND	141,706	141,828
ISHARES ESG AWARE MSCI EAFE ETF ESGD	509,799	532,185
ISHARES ESG AWARE MSCI EAFE ETF ESGU	1,871,489	1,950,190
ISHARES ESG AWARE MSCI EM ETF ESGE	256,204	270,213
ISHARES ESG AWARE MSCI USA SMALL CAP	315,925	347,234
ISHARES ESG AWARE US AGGREGATE BOND	1,053,590	1,057,743
ISHARES RUSSELL 2000ETF	78,456	99,188
ISHARES TR ISHS 1-5 YR INVS	221,433	222,220
ISHARES TR PFD AND INCM SEC	57,278	60,195
ISHARES TRUST ESG AWARE 1-5 YR USD C	614,099	615,944
JPMORGAN CHASE & CO COM	66,234	90,600
JPMORGAN CHASE BANK NA COLUMBUS CD 2
JPMORGAN CORE BOND CL I
JPMORGAN EQUITY INCOME CL I
JPMORGAN INCOME BUILDER FUND CLASS I	164,599	173,642
JPMORGAN LARGE CAP GROWTH CL I	795,444	869,984
KAYNE ANDERSON MLP INVT CO	62,727	27,470
KRAFT HEINZ FOODS CO	32,356	34,327
LABORATORY CORP AMER HLDGS COM	37,541	35,621
LAS VEGAS SANDS CORP	30,987	32,263
MARRIOTT INTERNATIONAL INC	31,650	32,310
MERCK & CO NEW COM	72,199	66,583
METABANK SIOUX FALLS SD CD 1.65%	100,003	100,222
METROPOLITAN WEST TOTAL RETURN CLASS	189,735	185,009
MFS GROWTH FUND CLASS I	130,405	156,655
NATIONAL GRID SPON ADR EACH REP	37,384	35,418
NBT BANCORP	97,496	98,002
NUVEEN PREFERRED INCOME OPPORTUNITY	40,022	39,843
NUVEEN TAXABLE MUNICIPAL INCM FD	90,308	96,064
PATHFINDER BANCORP INC MD	33,581	33,678
PERFORMANCE TRUST STRATEGIC BOND
PFIZER INC	73,598	75,125
PGIM GLOBAL TOTAL RETURN CL Z	431,853	440,881
REGENERON PHARMACEUTICALS INC	44,829	36,233
ROYCE VALUE TR INC COM	13,830	17,041
SOUTHERN CO	39,285	43,446
SOUTHERN CO SER 2020B	30,844	31,786
SPDR DOW JONES INDL AVERAGE ETF TR U	126,537	139,667
SUNCOR ENERGY COM NPV NEW ISIN	71,291	51,553
SWAN DEFINED RISK FUND CLASS I	100,344	101,300
SYNOVUS BK COLUMBUS GA CD	100,003	100,502
SYSCO CORP	27,821	31,217
VIACOMBS INC	32,430	37,654
VIATRIS INC COM		4,685
WALT DISNEY
WASTE MANAGEMENT INC	119,875	119,656
WATERSTONE FINANCIAL INC	33,346	38,538
WEST HILLS TACTICAL CORE FUND	366,572	391,709
WESTERN ASSET CORE PLUS BOND CL I

- TIN:

TY 2020 LegalFeesSchedule

Name:

THE FREDERICK B AND RAMONA E MIRABI

TO FOUNDATION

EIN:

16-1577124

Category	Amount	Net Investment Income	Adjusted Net Income	Disbursements for Charitable Purposes
INDIRECT LEGAL FEES	275	275

- TIN:

TY 2020 OtherAssetsSchedule

Name:

THE FREDERICK B AND RAMONA E MIRABI

TO FOUNDATION

EIN:

16-1577124

Description	Beginning of Year - Book Value	End of Year - Book Value	End of Year - Fair Market Value
ACCRUED EARNINGS	2,086	8,337	8,337

- TIN:

TY 2020 OtherExpensesSchedule

Name:

THE FREDERICK B AND RAMONA E MIRABI

TO FOUNDATION

EIN:

16-1577124

Description	Revenue and Expenses per Books	Net Investment Income
EXPENSES
FILING FEES	1,500	1,500
POSTAGE AND MAILING	100	100
OFFICE EXPENSES	3,173	3,173

- TIN:

TY 2020 OtherProfessionalFeesSchedule

Name:

THE FREDERICK B AND RAMONA E MIRABI

TO FOUNDATION

EIN:

16-1577124

Category	Amount	Net Investment Income	Adjusted Net Income	Disbursements for Charitable Purposes
INVESTMENT ADVISOR	86,194	86,194

- TIN:

TY 2020 TaxesSchedule

Name:

THE FREDERICK B AND RAMONA E MIRABI

TO FOUNDATION

EIN:

16-1577124

Category	Amount	Net Investment Income	Adjusted Net Income	Disbursements for Charitable Purposes
EXCISE TAXES	7,073
FILING FEES	750	750