Form990-PF

Department of the Treasury
Internal Revenue Service

Return of Private Foundation
or Section 4947(a)(1) Trust Treated as Private Foundation
bulletDo not enter social security numbers on this form as it may be made public.
bulletGo 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 RAY AND ELACLAIRE GOSSELIN
CHARITABLE TRUST C/O DEBRA SILBERSTEIN
Number and street (or P.O. box number if mail is not delivered to street address)69 PARK STREET
  Room/suite
City or town, state or province, country, and ZIP or foreign postal code
ANDOVER, MA01810
A Employer identification number

27-6647873
B Telephone number (see instructions)

(978) 474-4700
C bullet
G Check all that apply:

D 1. Foreign organizations, check here............. bullet
2. Foreign organizations meeting the 85%
test, check here and attach computation ... bullet
E bullet
H Check type of organization:
F bullet
I Fair market value of all assets at end
of year (from Part II, col. (c),
line 16)bullet$7,121,855J Accounting method:
 
(Part I, column (d) must be on cash basis.)
Part I 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 		(c) Adjusted net
income 		(d) Disbursements
for charitable
purposes
(cash basis only)
Revenue 1 Contributions, gifts, grants, etc., received (attach schedule)  
2 Check bullet.............
3 Interest on savings and temporary cash investments      
4 Dividends and interest from securities... 162,507 162,006  
5a Gross rents............      
b Net rental income or (loss)  
6a Net gain or (loss) from sale of assets not on line 10 205,520
b Gross sales price for all assets on line 6a 3,810,523
7 Capital gain net income (from Part IV, line 2)... 205,520
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........ 368,027 367,526  
Operating and Administrative Expenses 13 Compensation of officers, directors, trustees, etc. 65,095 0   43,397
14 Other employee salaries and wages......        
15 Pension plans, employee benefits.......        
16a Legal fees (attach schedule)......... Click to see attachment 17,012 0   10,207
b Accounting fees (attach schedule)....... Click to see attachment 3,375 0   3,375
c Other professional fees (attach schedule).... Click to see attachment 72,401 72,171   230
17 Interest...............        
18 Taxes (attach schedule) (see instructions)... Click to see attachment 1,796 1,726   0
19 Depreciation (attach schedule) and depletion...      
20 Occupancy..............        
21 Travel, conferences, and meetings.......        
22 Printing and publications..........        
23 Other expenses (attach schedule)....... Click to see attachment 8,263 8,263   0
24 Total operating and administrative expenses.
Add lines 13 through 23.......... 167,942 82,160   57,209
25 Contributions, gifts, grants paid....... 324,500 324,500
26 Total expenses and disbursements. Add lines 24 and 25 492,442 82,160   381,709
27 Subtract line 26 from line 12:
a Excess of revenue over expenses and disbursements -124,415
b Net investment income (if negative, enter -0-) 285,366
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 Attached schedules and amounts in the description column
should be for end-of-year amounts only. (See instructions.) 		Beginning of year End of year
(a) Book Value (b) Book Value (c) Fair Market Value
Assets 1 Cash—non-interest-bearing............. 191,407 186,692 186,692
2 Savings and temporary cash investments.........      
3 Accounts receivable bullet  
Less: allowance for doubtful accounts bullet        
4 Pledges receivable bullet  
Less: allowance for doubtful accounts bullet        
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) bullet  
Less: allowance for doubtful accounts bullet        
8 Inventories for sale or use..............      
9 Prepaid expenses and deferred charges..........      
10a Investments—U.S. and state government obligations (attach schedule) 1,510,112 Click to see attachment1,514,683 1,633,915
b Investments—corporate stock (attach schedule)....... 2,195,818 Click to see attachment1,824,049 2,686,708
c Investments—corporate bonds (attach schedule)....... 183,177 Click to see attachment202,963 216,537
11 Investments—land, buildings, and equipment: basis bullet  
Less: accumulated depreciation (attach schedule) bullet        
12 Investments—mortgage loans.............      
13 Investments—other (attach schedule).......... 1,797,553 Click to see attachment2,025,265 2,398,003
14 Land, buildings, and equipment: basis bullet  
Less: accumulated depreciation (attach schedule) bullet        
15 Other assets (describe bullet)      
16 Total assets (to be completed by all filers—see the
instructions. Also, see page 1, item I) 5,878,067 5,753,652 7,121,855
Liabilities 17 Accounts payable and accrued expenses..........    
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 bullet)    
23 Total liabilities (add lines 17 through 22)......... 0 0
Net Assets or Fund Balances Foundations that follow FASB ASC 958, check here bullet
and complete lines 24, 25, 29 and 30.
24 Net assets without donor restrictions...........    
25 Net assets with donor restrictions............    
Foundations that do not follow FASB ASC 958, check here bullet
and complete lines 26 through 30.
26 Capital stock, trust principal, or current funds........ 0 0
27 Paid-in or capital surplus, or land, bldg., and equipment fund 0 0
28 Retained earnings, accumulated income, endowment, or other funds 5,878,067 5,753,652
29 Total net assets or fund balances (see instructions)..... 5,878,067 5,753,652
30 Total liabilities and net assets/fund balances (see instructions). 5,878,067 5,753,652
Part III
Analysis of Changes in Net Assets or Fund Balances
1
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) ...............
1
5,878,067
2
Enter amount from Part I, line 27a .....................
2
-124,415
3
Other increases not included in line 2 (itemize) bullet
3
0
4
Add lines 1, 2, and 3 ..........................
4
5,753,652
5
Decreases not included in line 2 (itemize) bullet
5
0
6
Total net assets or fund balances at end of year (line 4 minus line 5)—Part II, column (b), line 29 .
6
5,753,652
Form 990-PF (2020)
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 ATLANTA GA DTWN 6.875% P 2016-04-05 2020-02-01
b HOUSTON TX 5.361% P 2015-12-02 2020-03-01
c MONTEREY CA RWP 4.703% P 2016-03-24 2020-06-01
d NORTH CAROLINA 5.399% P 2015-12-30 2020-10-01
e APPLE P 2016-12-23 2020-06-22
APPLE P 2016-12-23 2020-11-09
AMER ELECTRIC PWR P 2019-01-01 2020-06-22
ISHARES CORE US AGGREGATE BOND ETF P 2020-06-22 2020-10-28
AMGEN P 2017-12-20 2020-06-22
AMER TOWER CORP P 2018-09-19 2020-06-22
AMAZON P 2019-01-01 2020-06-22
BROADCOM P 2018-12-28 2020-03-17
BROADCOM P 2019-05-21 2020-03-17
BOEING CO P 2018-04-06 2020-03-18
BOEING CO P 2019-05-21 2020-03-18
BOEING CO P 2018-04-06 2020-03-18
BANK OF AMERICA P 2020-02-26 2020-06-22
BERKSHIRE HATHAWAY CLASS B P 2019-01-01 2020-06-22
BLACKSTONE GROUP P 2020-02-26 2020-06-22
CATERPILLAR P 2019-01-01 2020-06-22
CONOCOPHILLIPS P 2020-06-22 2020-10-28
SALESFORCE P 2018-12-28 2020-06-22
CISCO SYSTEMS P 2019-02-13 2020-10-28
CISCO SYSTEMS P 2019-02-13 2020-06-22
CHEVRON CORP P 2019-01-01 2020-06-22
CHEVRON CORP P 2019-01-01 2020-10-28
DFA EMERGING MARKETS P 2019-01-01 2020-10-28
DFA EMERGING MARKETS P 2019-01-01 2020-06-22
DFA SELECTIVELY HEDGED GLBL P 2019-10-25 2020-03-10
DFA INTL HIGH PROFITABILITY PORT P 2018-09-19 2020-03-12
DFA INTL HIGH PROFITABILITY PORT P 2018-09-27 2020-03-12
DFA INTL HIGH PROFITABILITY PORT P 2019-03-28 2020-03-12
WALT DISNEY CO P 2018-04-06 2020-04-09
WALT DISNEY CO P 2018-04-06 2020-06-22
AIRBUS GROUP SPONSORED P 2020-06-22 2020-10-28
TRIBUTARY SMALL CO P 2019-10-26 2020-06-18
ALPHABET INC P 2015-01-16 2020-06-22
GENUINE PARTS CO P 2018-12-28 2020-03-27
GLOBAL PAYMENTS P 2020-06-22 2020-10-28
GOLDMAN SACHS GROUP P 2018-09-19 2020-06-22
HOME DEPOT P 2020-03-17 2020-06-22
ISHARES CORE S&P MID CAP ETF P 2018-04-06 2020-03-12
PGIM HIGH YIELD BOND FUN P 2019-02-13 2020-02-28
PGIM HIGH YIELD BOND FUN P 2018-04-06 2020-02-28
PGIM HIGH YIELD BOND FUN P 2019-02-13 2020-02-28
PGIM HIGH YIELD BOND FUN P 2018-04-06 2020-02-28
PGIM HIGH YIELD BOND FUN P 2018-04-06 2020-02-28
PGIM HIGH YIELD BOND FUN P 2019-02-13 2020-02-28
PGIM HIGH YIELD BOND FUN P 2018-04-06 2020-02-28
PGIM HIGH YIELD BOND FUN P 2018-04-06 2020-02-28
PGIM HIGH YIELD BOND FUN P 2018-04-06 2020-02-28
PGIM HIGH YIELD BOND FUN P 2018-04-06 2020-02-28
PGIM HIGH YIELD BOND FUN P 2018-04-06 2020-02-28
PGIM HIGH YIELD BOND FUN P 2019-02-13 2020-02-28
PGIM HIGH YIELD BOND FUN P 2019-02-13 2020-02-28
PGIM HIGH YIELD BOND FUN P 2019-02-13 2020-02-28
ISHARES RUSSELL 3000 ETF P 2020-03-26 2020-10-28
ISHARES RUSSELL 3000 ETF P 2020-03-26 2020-06-22
JOHNSON & JOHNSON P 2018-09-19 2020-06-22
JP MORGAN CHASE P 2018-02-07 2020-06-22
KLA CORP P 2018-04-06 2020-06-22
COCA COLA P 2018-04-06 2020-06-22
COCA COLA P 2018-04-06 2020-10-28
MCDONALDS P 2013-03-20 2020-10-28
MCDONALDS P 2020-06-22 2020-10-28
MCDONALDS P 2013-03-20 2020-03-16
MEDTRONIC P 2018-04-06 2020-10-28
MERGER FUND INST P 2019-06-12 2020-03-23
MICROSOFT P 2019-02-08 2020-11-09
MICROSOFT P 2019-02-08 2020-06-22
NIKE INC CLASS B P 2018-04-06 2020-11-09
NIKE INC CLASS B P 2018-04-06 2020-03-16
ORACLE P 2018-12-28 2020-02-26
PROCTER & GAMBLE P 2020-03-16 2020-06-22
PUBLIC STORAGE P 2018-12-28 2020-06-22
ROYAL DUTCH SHELL P 2019-01-01 2020-06-22
STARBUCKS CORP P 2020-03-27 2020-06-22
CONSTELLATION BRANDS P 2018-09-19 2020-03-17
SYSCO CORP P 2020-01-01 2020-10-28
AT&T INC P 2019-01-01 2020-06-22
ISHARES 20 PLS YEAR TREASURY BND ETF P 2018-04-06 2020-03-16
THERMO FISHER SCIENTIFIC P 2018-04-06 2020-06-22
TEXAS INSTRUMENTS P 2020-03-20 2020-06-22
UNITED HEALTHGROUP P 2018-04-06 2020-06-22
UNION PACIFIC CORP P 2020-06-22 2020-10-28
ISHARES EDGE MSCI MIN VOL USA ETF P 2020-03-12 2020-06-22
ISHARES MSCI USA MIN VOLFCTR ETF P 2020-03-12 2020-10-28
VISA CLASS A P 2019-02-08 2020-06-22
VANGUARD MORTGAGE BACKED SEC ETF P 2019-01-01 2020-03-16
VANGUARD MID CAP GROWTH ETF P 2018-04-06 2020-03-12
VANGUARD RUSSELL 2000 GROWTH ETF P 2020-01-01 2020-10-28
VERIZON COMMUNICATIONS P 2020-02-26 2020-06-22
WELLS FARGO BK NA P 2013-03-20 2020-02-26
WASTE MANAGEMENT INC P 2019-05-06 2020-06-22
WALMART P 2019-02-13 2020-06-22
ZOETIS INC P 2018-12-28 2020-06-22
UNITED HEALTHGROUP P 2018-04-06 2020-11-09
PROSHARES VIX SHORT-TERMFUTURES ETF P 2020-11-09 2020-12-21
AMGEN P 2017-12-20 2020-12-30
APPLE P 2016-12-23 2020-12-30
APPLE P 2016-12-23 2020-12-30
APPLE P 2016-12-23 2020-12-30
APPLE P 2016-12-23 2020-12-30
GOLDMAN SACHS GROUP P 2018-09-19 2020-12-30
JP MORGAN CHASE P 2018-02-07 2020-12-30
KLA CORP P 2018-04-08 2020-12-30
THERMO FISHER SCIENTIFIC P 2018-04-06 2020-12-30
UNITED PARCEL SERVICE P 2018-04-06 2020-12-30
VISA CLASS A P 2019-02-08 2020-12-30
WALT DISNEY CO P 2018-04-06 2020-12-30
WASTE MANAGEMENT INC P 2019-05-06 2020-12-30
VISA CLASS A P 2013-03-20 2020-12-30
WASTE MANAGEMENT INC P 2013-03-20 2020-12-30
Capital Gains Dividends P    
(e)
Gross sales price 		(f)
Depreciation allowed
(or allowable) 		(g)
Cost or other basis
plus expense of sale 		(h)
Gain or (loss)
(e) plus (f) minus (g)
a 10,000   10,301 -301
b 75,000   75,000 0
c 10,000   10,396 -396
d 25,000   26,840 -1,840
e 28,777   14,885 13,892
23,336   5,645 17,691
13,144   12,865 279
141,788   142,043 -255
27,751   22,165 5,586
10,995   6,205 4,790
56,425   37,195 19,230
34,555   44,798 -10,243
9,707   13,757 -4,050
5,338   16,642 -11,304
5,338   17,823 -12,485
9,394   29,289 -19,895
3,672   4,538 -866
47,171   56,643 -9,472
24,177   23,756 421
46,499   52,445 -5,946
16,723   25,187 -8,464
27,288   19,389 7,899
31,584   36,792 -5,208
14,087   14,769 -682
19,670   26,173 -6,503
42,004   74,480 -32,476
167,862   168,183 -321
78,833   85,842 -7,009
132,107   132,000 107
72,726   93,972 -21,246
626   812 -186
764   940 -176
15,262   15,050 212
7,092   6,311 781
38,869   40,771 -1,902
107,598   170,000 -62,402
107,448   37,876 69,572
37,038   53,973 -16,935
20,890   23,173 -2,283
2,447   2,795 -348
3,467   2,392 1,075
86,799   112,796 -25,997
1,413   1,396 17
69,695   69,762 -67
1,413   1,396 17
2,828   2,831 -3
1,414   1,415 -1
1,413   1,397 16
2,828   2,831 -3
2,828   2,831 -3
1,413   1,415 -2
2,826   2,831 -5
1,413   1,415 -2
790   782 8
1,412   1,396 16
1,413   1,416 -3
107,529   80,125 27,404
71,874   57,500 14,374
11,025   10,827 198
13,203   15,359 -2,156
7,848   4,402 3,446
8,657   8,378 279
37,922   35,012 2,910
29,362   13,429 15,933
13,817   11,945 1,872
17,825   11,356 6,469
51,055   39,791 11,264
144,305   150,000 -5,695
17,686   8,305 9,381
35,166   18,955 16,211
19,769   10,277 9,492
17,498   18,554 -1,056
52,735   45,091 7,644
15,668   13,398 2,270
59,571   63,220 -3,649
47,106   94,902 -47,796
18,962   17,060 1,902
24,675   44,266 -19,591
40,972   33,602 7,370
18,243   20,292 -2,049
79,517   59,467 20,050
27,034   16,189 10,845
3,617   3,038 579
46,095   41,394 4,701
19,666   18,991 675
55,032   49,775 5,257
87,461   77,550 9,911
25,103   18,042 7,061
121,091   117,532 3,559
94,603   96,689 -2,086
79,885   63,566 16,319
42,137   42,987 -850
47,661   43,271 4,390
10,093   10,391 -298
18,974   15,316 3,658
102,167   62,888 39,279
21,939   13,901 8,038
65,048   63,634 1,414
8,421   6,570 1,851
269   58 211
4,842   1,047 3,795
13,451   2,910 10,541
13,451   2,910 10,541
16,107   14,443 1,664
19,802   17,975 1,827
24,976   10,308 14,668
22,725   10,302 12,423
15,823   10,078 5,745
4,593   2,937 1,656
22,517   12,622 9,895
233   212 21
38,928   7,046 31,882
15,176   4,897 10,279
27,263     27,263
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       -301
b       0
c       -396
d       -1,840
e       13,892
      17,691
      279
      -255
      5,586
      4,790
      19,230
      -10,243
      -4,050
      -11,304
      -12,485
      -19,895
      -866
      -9,472
      421
      -5,946
      -8,464
      7,899
      -5,208
      -682
      -6,503
      -32,476
      -321
      -7,009
      107
      -21,246
      -186
      -176
      212
      781
      -1,902
      -62,402
      69,572
      -16,935
      -2,283
      -348
      1,075
      -25,997
      17
      -67
      17
      -3
      -1
      16
      -3
      -3
      -2
      -5
      -2
      8
      16
      -3
      27,404
      14,374
      198
      -2,156
      3,446
      279
      2,910
      15,933
      1,872
      6,469
      11,264
      -5,695
      9,381
      16,211
      9,492
      -1,056
      7,644
      2,270
      -3,649
      -47,796
      1,902
      -19,591
      7,370
      -2,049
      20,050
      10,845
      579
      4,701
      675
      5,257
      9,911
      7,061
      3,559
      -2,086
      16,319
      -850
      4,390
      -298
      3,658
      39,279
      8,038
      1,414
      1,851
      211
      3,795
      10,541
      10,541
      1,664
      1,827
      14,668
      12,423
      5,745
      1,656
      9,895
      21
      31,882
      10,279
      27,263
2 Capital gain net income or (net capital loss) Bracket If gain, also enter in Part I, line 7
If (loss), enter -0- in Part I, line 7		 Bracket 2 205,520
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 ................... 		Bracket 3  
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
2
Reserved...........................
2
3
Reserved...........................
3
4
Reserved...........................
4
5
Reserved...........................
5
6
Reserved...........................
6
7
Reserved...........................
7
8
Reserved,..........................
8
Form 990-PF (2020)
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 Bullet and enter “N/A" on line 1. Bracket for line 1a
Date of ruling or determination letter:   (attach copy of letter if necessary–see instructions)
b Reserved................................ 1 3,967
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 0
3 Add lines 1 and 2........................... 3 3,967
4 Subtitle A (income) tax (domestic section 4947(a)(1) trusts and taxable foundations only. Others enter -0-) 4 0
5 Tax based on investment income. Subtract line 4 from line 3. If zero or less, enter -0- ..... 5 3,967
6 Credits/Payments:
a 2020 estimated tax payments and 2019 overpayment credited to 2020 6a 4,058
b Exempt foreign organizations—tax withheld at source...... 6b 0
c Tax paid with application for extension of time to file (Form 8868)... 6c 2,800
d Backup withholding erroneously withheld ........... 6d 0
7 Total credits and payments. Add lines 6a through 6d.............. 7 6,858
8 Enter any penalty for underpayment of estimated tax. Check here if Form 2220 is attached. 8 0
9 Tax due. If the total of lines 5 and 8 is more than line 7, enter amount owed.......Bullet 9  
10 Overpayment. If line 7 is more than the total of lines 5 and 8, enter the amount overpaid...Bullet 10 2,891
11 Enter the amount of line 10 to be: Credited to 2021 estimated taxBullet2,891 RefundedBullet 11 0
Part VII-A
Statements Regarding Activities
1a
During the tax year, did the foundation attempt to influence any national, state, or local legislation or did
Yes
No
it participate or intervene in any political campaign? ....................
1a
 
No
b
Did it spend more than $100 during the year (either directly or indirectly) for political purposes? See the instructions
for the definition.................................
1b
 
No
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.
c
Did the foundation file Form 1120-POL for this year?.....................
1c
 
No
d
Enter the amount (if any) of tax on political expenditures (section 4955) imposed during the year:
(1) On the foundation. bullet$ 0(2) On foundation managers.bullet$ 0
e
Enter the reimbursement (if any) paid by the foundation during the year for political expenditure tax imposed
on foundation managers.bullet$ 0
2
Has the foundation engaged in any activities that have not previously been reported to the IRS?.......
2
 
No
If "Yes," attach a detailed description of the activities.
3
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....
3
 
No
4a
Did the foundation have unrelated business gross income of $1,000 or more during the year?........
4a
 
No
b
If "Yes," has it filed a tax return on Form 990-T for this year?...................
4b
 
 
5
Was there a liquidation, termination, dissolution, or substantial contraction during the year?.........
5
 
No
If "Yes," attach the statement required by General Instruction T.
6
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?................
    6
    Yes
     
    7
    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..................................
    7
    Yes
     
    8a
    Enter the states to which the foundation reports or with which it is registered (see instructions)
    bulletMA
    b
    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 .
    8b
    Yes
     
    9
    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 .............................
    9
     
    No
    10
    Did any persons become substantial contributors during the tax year? If "Yes," attach a schedule listing their names
    and addresses. ...............................
    10
     
    No
    Form 990-PF (2020)
    Form 990-PF (2020)
    Page 5
    Part VII-A
    Statements Regarding Activities (continued)
    11
    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 .............
    11
     
    No
    12
    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.................
    12
     
    No
    13
    Did the foundation comply with the public inspection requirements for its annual returns and exemption application?
    13
    Yes
     
    Website addressbulletN/A
    14
    The books are in care ofbulletDEBRA SILBERSTEIN Telephone no.bullet (978) 474-4700

    Located atbullet69 PARK STREETANDOVERMA ZIP+4bullet01810
    15
    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
    15
     
    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
    No
    1a
    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?
    (2) Borrow money from, lend money to, or otherwise extend credit to (or accept it from)
    a disqualified person?......................
    (3) Furnish goods, services, or facilities to (or accept them from) a disqualified person?
    (4) Pay compensation to, or pay or reimburse the expenses of, a disqualified person?
    (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)?...............
    (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.).......
    b
    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 ........
    1b
     
     
    ........bullet
    c
    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?.............
    1c
     
    No
    2
    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)):
    a
    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?.............
    If "Yes," list the years bullet20, 20, 20, 20
    b
    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.) ..............
    2b
     
     
    c
    If the provisions of section 4942(a)(2) are being applied to any of the years listed in 2a, list the years here.
    bullet20, 20, 20, 20
    3a
    Did the foundation hold more than a 2% direct or indirect interest in any business enterprise at
    any time during the year?......................
    b
    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.)..................
    3b
     
     
    4a
    Did the foundation invest during the year any amount in a manner that would jeopardize its charitable purposes?
    4a
     
    No
    b
    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?
    4b
     
    No
    Form 990-PF (2020)
    Form 990-PF (2020)
    Page 6
    Part VII-B
    Statements Regarding Activities for Which Form 4720 May Be Required (continued)
    5a
    During the year did the foundation pay or incur any amount to:
    Yes
    No
    (1) Carry on propaganda, or otherwise attempt to influence legislation (section 4945(e))?
    (2) Influence the outcome of any specific public election (see section 4955); or to carry
    on, directly or indirectly, any voter registration drive?.............
    (3) Provide a grant to an individual for travel, study, or other similar purposes?
    (4) Provide a grant to an organization other than a charitable, etc., organization described
    in section 4945(d)(4)(A)? See instructions................
    (5) Provide for any purpose other than religious, charitable, scientific, literary, or
    educational purposes, or for the prevention of cruelty to children or animals?.....
    b
    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 ......
    5b
     
     
    .........bullet
    c
    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?..........
    If "Yes," attach the statement required by Regulations section 53.4945–5(d).
    6a
    Did the foundation, during the year, receive any funds, directly or indirectly, to pay premiums on
    a personal benefit contract?.....................
    b
    Did the foundation, during the year, pay premiums, directly or indirectly, on a personal benefit contract? ....
    6b
     
    No
    If "Yes" to 6b, file Form 8870.
    7a
    At any time during the tax year, was the foundation a party to a prohibited tax shelter transaction?
    b
    If "Yes", did the foundation receive any proceeds or have any net income attributable to the transaction? ....
    7b
     
     
    8
    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? .................
    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
    DEBRA RAHMIN SILBERSTEIN TRUSTEE
    1.00     		0 0 0
    69 PARK STREET
    ANDOVER,MA01810
    ROBERT B MURPHY JR TRUSTEE
    10.00     		21,699 0 0
    8 UTICA STREET
    WOBURN,MA01801
    GRACE CHARLAND TRUSTEE
    10.00     		21,698 0 0
    172 JIM GRANT ROAD
    LEBANON,ME04027
    BRIAN CHARLAND TRUSTEE
    10.00     		21,698 0 0
    172 JIM GRANT ROAD
    LEBANON,ME04027
    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...................bullet 0
    Form 990-PF (2020)
    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
    LITTLE HOUSE CAPITAL INVESTMENT MANAGEMENT SERVICES 72,108
    301 EDGEWATER PLACE SUITE 100
    WAKEFIELD,MA01880
    Total number of others receiving over $50,000 for professional services.............bullet0
    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  
    2  
    All other program-related investments. See instructions.
    3  
    Total. Add lines 1 through 3.........................bullet0
    Form 990-PF (2020)
    Form 990-PF (2020)
    Page 8
    Part X
    Minimum Investment Return (All domestic foundations must complete this part. Foreign foundations, see instructions.)
    1
    Fair market value of assets not used (or held for use) directly in carrying out charitable, etc.,
    purposes:
    a
    Average monthly fair market value of securities...................
    1a
    6,369,951
    b
    Average of monthly cash balances.......................
    1b
    276,818
    c
    Fair market value of all other assets (see instructions)................
    1c
    0
    d
    Total (add lines 1a, b, and c).........................
    1d
    6,646,769
    e
    Reduction claimed for blockage or other factors reported on lines 1a and
    1c (attach detailed explanation) .............
    1e
    0
    2
    Acquisition indebtedness applicable to line 1 assets..................
    2
    0
    3
    Subtract line 2 from line 1d.........................
    3
    6,646,769
    4
    Cash deemed held for charitable activities. Enter 1 1/2% of line 3 (for greater amount, see
    instructions) .............................
    4
    99,702
    5
    Net value of noncharitable-use assets. Subtract line 4 from line 3. Enter here and on Part V, line 4
    5
    6,547,067
    6
    Minimum investment return. Enter 5% of line 5..................
    6
    327,353
    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.)
    1
    Minimum investment return from Part X, line 6....................
    1
    327,353
    2a
    Tax on investment income for 2020 from Part VI, line 5......
    2a
    3,967
    b
    Income tax for 2020. (This does not include the tax from Part VI.)...
    2b
     
    c
    Add lines 2a and 2b............................
    2c
    3,967
    3
    Distributable amount before adjustments. Subtract line 2c from line 1............
    3
    323,386
    4
    Recoveries of amounts treated as qualifying distributions................
    4
    0
    5
    Add lines 3 and 4............................
    5
    323,386
    6
    Deduction from distributable amount (see instructions).................
    6
    0
    7
    Distributable amount as adjusted. Subtract line 6 from line 5. Enter here and on Part XIII, line 1 ...
    7
    323,386
    Part XII
    Qualifying Distributions (see instructions)
    1
    Amounts paid (including administrative expenses) to accomplish charitable, etc., purposes:
    a
    Expenses, contributions, gifts, etc.—total from Part I, column (d), line 26 ..........
    1a
    381,709
    b
    Program-related investments—total from Part IX-B..................
    1b
    0
    2
    Amounts paid to acquire assets used (or held for use) directly in carrying out charitable, etc.,
    purposes...............................
    2
     
    3
    Amounts set aside for specific charitable projects that satisfy the:
    a
    Suitability test (prior IRS approval required)....................
    3a
     
    b
    Cash distribution test (attach the required schedule) .................
    3b
     
    4
    Qualifying distributions. Add lines 1a through 3b. Enter here and on Part V, line 8, and Part XIII, line 4
    4
    381,709
    5
    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.................
    5
    0
    6
    Adjusted qualifying distributions. Subtract line 5 from line 4..............
    6
    381,709
    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)
    Form 990-PF (2020)
    Page 9
    Part XIII
    Undistributed Income (see instructions)
    (a)
    Corpus     		(b)
    Years prior to 2019     		(c)
    2019     		(d)
    2020
    1 Distributable amount for 2020 from Part XI, line 7 323,386
    2 Undistributed income, if any, as of the end of 2020:
    a Enter amount for 2019 only....... 0
    b Total for prior years:20, 20, 20 0
    3 Excess distributions carryover, if any, to 2020:
    a From 2015......  
    b From 2016......  
    c From 2017......  
    d From 2018......  
    e From 2019...... 19,360
    fTotal of lines 3a through e........ 19,360
    4Qualifying distributions for 2020 from Part
    XII, line 4: bullet$ 381,709
    a Applied to 2019, but not more than line 2a 0
    b Applied to undistributed income of prior years
    (Election required—see instructions).....     		0
    c Treated as distributions out of corpus (Election
    required—see instructions)........     		0
    d Applied to 2020 distributable amount..... 323,386
    e Remaining amount distributed out of corpus 58,323
    5 Excess distributions carryover applied to 2020. 0 0
    (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 77,683
    b Prior years’ undistributed income. Subtract
    line 4b from line 2b ..........     		0
    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......     		0
    d Subtract line 6c from line 6b. Taxable amount
    —see instructions ...........     		0
    e Undistributed income for 2019. Subtract line
    4a from line 2a. Taxable amount—see
    instructions .............     		0
    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) .......     		0
    8 Excess distributions carryover from 2015 not
    applied on line 5 or line 7 (see instructions) ...     		0
    9Excess distributions carryover to 2021.
    Subtract lines 7 and 8 from line 6a ......     		77,683
    10 Analysis of line 9:
    a Excess from 2016....  
    b Excess from 2017....  
    c Excess from 2018....  
    d Excess from 2019.... 19,360
    e Excess from 2020.... 58,323
    Form 990-PF (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 section or
    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
             
    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
    aThe name, address, and telephone number or e-mail address of the person to whom applications should be addressed:
    ATTY DEBRA SILBERSTEIN
    69 PARK STREET
    ANDOVER,MA01810
    (978) 474-4700
    DSILBERSTEIN@BURNSLEV.COM
    bThe form in which applications should be submitted and information and materials they should include:
    THEY SHOULD BE SUBMITTED IN WRITING TO THE ATTENTION OF ATTORNEY DEBRA RAHMIN SILBERSTEIN, BURNS & LEVINSON LLP, 69 PARK STREET, ANDOVER, MA 01810
    cAny submission deadlines:
    NONE
    dAny restrictions or limitations on awards, such as by geographical areas, charitable fields, kinds of institutions, or other
    factors:
    NONE
    Form 990-PF (2020)
    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)
    aPaid during the year
    GREATER LOWELL HEALTH ALLIANCE
    1 HOSPITAL DRIVE STE 2
    LOWELL,MA01852     		  501(c)(3) 2020 SYMPOSIUM 10,000
    JUSTIN'S VOICE
    PO BOX 561 ABBOTT STREET
    WOBURN,MA01801     		  501(c)(3) GENERAL CHARITABLE PURPOSES 20,000
    LAWRENCE GENERAL HOSPITAL
    1 GENERAL STREET
    LAWRENCE,MA01841     		  501(c)(3) PATIENT ASSISTANCE PROGRAMS 20,000
    MCLEAN HOSPITAL
    115 MILL STREET
    BELMONT,MA02478     		  501(c)(3) MENTAL HEALTH 35,000
    MGH PROSTATE RESEARCH
    55 FRUIT STREET
    BOSTON,MA02114     		  501(c)(3) PROSTATE RESEARCH 10,000
    PAN MASS CHALLENGE
    77 4TH AVENUE
    NEEDHAM,MA02494     		  501(c)(3) GENERAL CHARITABLE PURPOSES 15,000
    ST JUDE CHILDREN'S RESEARCH HOSPITAL
    262 DANNY THOMAS PLACE
    MEMPHIS,TN38105     		  501(c)(3) GENERAL CHARITABLE PURPOSES 10,000
    STRONGWATER FARM THERAPEUTIC EQUESTRIAN CENTER
    500 LIVINGSTON STREET
    TEWKSBURY,MA01876     		  501(c)(3) NEW ARENA CAMPAIGN 50,000
    TOWN OF BILLERICA
    365 BOSTON ROAD
    BILLERICA,MA01821     		  501(c)(3) OPIATE PREVENTION 15,000
    POWER OF FLOWERS PROJECT
    PO BOX 294
    TEWKSBURY,MA01876     		  501(c)(3) SENIOR & VETERAN CARE 30,000
    FERNCROFT JUNIOR SCHOLARSHIP
    10 VILLAGE ROAD
    MIDDLETON,MA01949     		  501(c)(3) JUNIOR GOLF PROGRAM 30,000
    NEVER WALK ALONE INC
    69 MEADOW POND ROAD
    SOUTH BERWICK,ME03908     		  501(c)(3) SUICIDE AWARENESS 10,000
    SPAULDING REHABILITATION HOSPITAL
    1575 CAMBRIDGE STREET
    CAMBRIDGE,MA02138     		  501(c)(3) REHABILITATION RESEARCH AND MEDICINE 15,000
    THE OPEN DOOR CAPE ANN FOOD PANTRY
    28 EMERSON AVE
    GLOUCESTER,MA01930     		  501(c)(3) FOOD PANTRY 5,000
    EAST LEBANON FIRE DEPARTMENT
    2 UPPER CROSS ROAD
    LEBANON,ME04027     		  501(c)(3) GENERAL CHARITABLE PURPOSES 10,000
    ANDOVER SENIOR CENTER-ROBB CENTER
    30 WHITTIER COURT
    ANDOVER,MA01810     		  501(c)(3) GENERAL CHARITABLE PURPOSES 2,500
    MISTY MEADOWS EQUINE LEARNING CENTER
    55 MISTY MEADOWS LANE
    WEST TISBURY,MA02575     		  501(c)(3) GENERAL CHARITABLE PURPOSES 5,000
    MISSION NUTRITION MSAD 60 FOOD SERVICE
    100 NOBLE WAY
    NORTH BERWICK,ME03906     		  501(c)(3) GENERAL CHARITABLE PURPOSES 2,000
    JAMES L MCKEOWN BOYS & GIRLS CLUB
    1 CHARLES GARDNER LANE
    WOBURN,MA01801     		  501(c)(3) GENERAL CHARITABLE PURPOSESGENERAL CHARITABLE PURPOSES 30,000
    Total .................................bullet 3a 324,500
    bApproved for future payment
    Total .................................bullet 3b 0
    Form 990-PF (2020)
    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
    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....     14 162,507  
    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 27,263 178,257
    9 Net income or (loss) from special events:          
    10 Gross profit or (loss) from sales of inventory          
    11 Other revenue: a
    b
    c
    d
    e
    12 Subtotal. Add columns (b), (d), and (e).. 0 189,770 178,257
    13Total. Add line 12, columns (b), (d), and (e)..................
    13
    368,027
    (See worksheet in line 13 instructions to verify calculations.)
    Part XVI-B
    Relationship of Activities to the Accomplishment of Exempt Purposes
    Line No.
    DownArrow     		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.)
    8 REALIZED CAP GAINS FROM THE ENDOWNMENT FUND USED FOR PROVIDING GRANTS
    Form 990-PF (2020)
    Form 990-PF (2020)
    Page 13
    Part XVII
    Information Regarding Transfers To and Transactions and Relationships With Noncharitable Exempt Organizations
    1
    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
    No
    a
    Transfers from the reporting foundation to a noncharitable exempt organization of:
    (1) Cash...................................
    1a(1)
     
    No
    (2) Other assets.................................
    1a(2)
     
    No
    b
    Other transactions:
    (1) Sales of assets to a noncharitable exempt organization....................
    1b(1)
     
    No
    (2) Purchases of assets from a noncharitable exempt organization..................
    1b(2)
     
    No
    (3) Rental of facilities, equipment, or other assets.......................
    1b(3)
     
    No
    (4) Reimbursement arrangements...........................
    1b(4)
     
    No
    (5) Loans or loan guarantees.............................
    1b(5)
     
    No
    (6) Performance of services or membership or fundraising solicitations................
    1b(6)
     
    No
    c
    Sharing of facilities, equipment, mailing lists, other assets, or paid employees..............
    1c
     
    No
    d
    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
    2a
    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? ...........
    b
    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.
    Bullet Bullet
    May the IRS discuss this return
    with the preparer shown below?
    See instructions.
    Signature of officer or trustee Date Title
    Paid Preparer Use Only Print/Type preparer's name Preparer's Signature Date PTIN
    Firm's name SmallBullet
    		 Firm's EIN SmallBullet
    Firm's address SmallBullet


    		 Phone no.
    Form 990-PF (2020)
    Additional Data


    Software ID:  
    Software Version:  


    Form 990PF - Special Condition Description:
    Special Condition Description

    TY 2020 AccountingFeesSchedule
    Name:
    THE RAY AND ELACLAIRE GOSSELIN
     
    CHARITABLE TRUST C/O DEBRA SILBERSTEIN
    EIN:
    27-6647873
    Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
    CARL B. BINDMAN, CPA, PC 3,375 0   3,375

    TY 2020 InvestmentsCorpBondsSchedule
    Name:
    THE RAY AND ELACLAIRE GOSSELIN
     
    CHARITABLE TRUST C/O DEBRA SILBERSTEIN
    EIN:
    27-6647873
    Name of Bond End of Year Book Value End of Year Fair Market Value
    MARSH & MCLENNAN 65,275 72,073
    CORNING INC 3.7% 30,574 32,390
    KEYCORP 5.1% 25,260 25,269
    CNA FINL CORP 7.5% 49,131 53,205
    SOUTHERN POWER 4.15% 10,777 11,462
    PFIZER 2.625% 21,946 22,138

    TY 2020 InvestmentsCorpStockSchedule
    Name:
    THE RAY AND ELACLAIRE GOSSELIN
     
    CHARITABLE TRUST C/O DEBRA SILBERSTEIN
    EIN:
    27-6647873
    Name of Stock End of Year Book Value End of Year Fair Market Value
    ALPHABET INC 67,222 82,374
    BERKSHIRE HATHAWAY 62,676 94,139
    JOHNSON & JOHNSON 31,366 61,693
    MICROSOFT CORP 37,794 165,258
    VISA INC 6,334 34,997
    WASTE MANAGEMENT INC 13,034 40,804
    APPLE 33,286 146,888
    AMAZON 46,286 143,305
    AMGEN 32,096 27,521
    AT&T 34,797 31,901
    AMER ELECTRIC PWR CO 35,017 42,051
    FACEBOOK INC 58,365 96,152
    GOLDMAN SACHS GROUP 47,583 58,016
    JP MORGAN CHASE 53,396 62,010
    KLA TENCOR CORP 19,865 47,899
    NIKE INC 31,639 54,890
    THERMO FISHER SCNTFC 18,711 41,455
    UNITED PARCEL SRVC 37,766 60,119
    UNITEDHEALTH GROUP 35,322 54,355
    VERIZON COMMUNICATION 44,973 52,523
    WALMART STORES 96,726 134,924
    WALT DISNEY CO 21,681 38,592
    SALESFORCE COM 25,540 42,503
    ABBOT LABORATORIES 22,552 27,482
    ADOBE INC 34,479 40,010
    AKAMAI TECHNOLOGIES INC 26,218 28,137
    ALIBABA GROUP HOLDINGS F 25,683 26,997
    BANK OF AMERICA CORP 51,209 50,284
    BLACKSTONE GROUP INC 32,694 37,331
    BORG WARNER INC 24,676 25,966
    BRISTOL-MYERS SQUIBB 25,066 26,858
    COSTCO WHOLESALE CO 36,044 36,924
    CUMMINS INC 25,103 26,570
    CVS HEALTH CORP 54,151 58,055
    HOME DEPOT INC 27,508 42,765
    HONEYWELL INTL INC 34,558 45,305
    INTEL CROP 33,640 29,892
    NASDAQ INC 25,328 28,141
    NORTONLIFELOCK INC 25,776 26,058
    NRG ENERGY INC 30,705 35,109
    PAYPAL HOLDINGS 38,233 46,137
    PEPSICO INC 25,217 27,732
    PROCTER & GAMBLE 30,425 38,124
    QUALCOMM INC 26,376 45,093
    RAYTHEON TECHNOLOGIES CO 42,390 48,627
    TAIWAN SEMICONDUCTR 37,653 48,741
    TEXAS INSTRUMENTS 31,013 48,582
    TJX COMPANIES INC 27,510 35,784
    VERTEX COMMUNICATION 26,275 29,543
    BRISTOL-MYERS SQUIBB 28,183 28,183
    CONOCOPHILLIPS 34,227 34,227
    MICROSOFT CORP 18,704 18,704
    TESLA INC 30,978 30,978

    TY 2020 InvestmentsGovtObligationsSch
    Name:
    THE RAY AND ELACLAIRE GOSSELIN
     
    CHARITABLE TRUST C/O DEBRA SILBERSTEIN
    EIN:
    27-6647873
    US Government Securities - End of Year Book Value:

    0
    US Government Securities - End of Year Fair Market Value:

    0
    State & Local Government Securities - End of Year Book Value:


    1,514,683
    State & Local Government Securities - End of Year Fair Market Value:


    1,633,915


    TY 2020 InvestmentsOtherSchedule2
    Name:
    THE RAY AND ELACLAIRE GOSSELIN
     
    CHARITABLE TRUST C/O DEBRA SILBERSTEIN
    EIN:
    27-6647873
    Category/ Item Listed at Cost or FMV Book Value End of Year Fair Market Value
    ISHARES 20 PLS YEAR FMV 139,566 137,067
    VANGUARD INTERMEDIATE FMV 227,948 247,124
    DFA INTL HIGH FMV 95,669 112,004
    FIDELITY INTL CAPITAL FMV 172,000 256,011
    AMERN TOWER CORP REIT FMV 33,243 50,504
    ABERDEEN STNDRD PHYSCL AT COST 158,586 167,225
    CAMBRIA TAIL RISK ETF AT COST 116,650 108,518
    ISHARES CORE MSCI AT COST 184,910 213,356
    ISHARES CORE MSCI EAFE AT COST 114,031 135,624
    ISHARES RUSSEL MID CAP AT COST 86,468 119,074
    ISHARES TR IS 1 5 YR IN AT COST 136,019 143,497
    WESTERN ASSET CORE BOND AT COST 145,395 151,153
    FIDELITY ADVIROS EMERGING AT COST 172,000 275,938
    FIDELITY CONTRAFUND AT COST 99,999 111,641
    NICHOLAS PARTNERS SMALL CAP GR AT COST 94,000 120,079
    EQUINIX INC REIT AT COST 23,875 24,282
    ALIBABA GROUP HOLDINGS F AT COST 24,906 24,906

    TY 2020 LegalFeesSchedule
    Name:
    THE RAY AND ELACLAIRE GOSSELIN
     
    CHARITABLE TRUST C/O DEBRA SILBERSTEIN
    EIN:
    27-6647873
    Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
    BURNS & LEVINSON LLP 17,012 0   10,207


    TY 2020 OtherExpensesSchedule
    Name:
    THE RAY AND ELACLAIRE GOSSELIN
     
    CHARITABLE TRUST C/O DEBRA SILBERSTEIN
    EIN:
    27-6647873
    Description Revenue and Expenses per Books Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
    BOND AMORTIZATION 8,263 8,263   0


    TY 2020 OtherProfessionalFeesSchedule
    Name:
    THE RAY AND ELACLAIRE GOSSELIN
     
    CHARITABLE TRUST C/O DEBRA SILBERSTEIN
    EIN:
    27-6647873
    Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
    INVESTMENT FEES AND EXPENSES 72,401 72,171   230


    TY 2020 TaxesSchedule
    Name:
    THE RAY AND ELACLAIRE GOSSELIN
     
    CHARITABLE TRUST C/O DEBRA SILBERSTEIN
    EIN:
    27-6647873
    Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
    FOREIGN TAXES PAID 1,726 1,726   0
    MASS ANNUAL REPORT 70 0   0