| Category | Amount | Net Investment Income | Adjusted Net Income | Disbursements for Charitable Purposes |
|---|---|---|---|---|
| TAX PREPARATION FEE | 1,250 | 1,250 |
| Name of Bond | End of Year Book Value | End of Year Fair Market Value |
|---|---|---|
| 68389XBM6 ORACLE CORP | 58,609 | 55,566 |
| 05531FBB8 BB&T CORPORATION | 59,919 | 58,987 |
| 437076BW1 HOME DEPOT INC | 60,970 | 57,015 |
| 20030NDM0 COMCAST CORP | 54,973 | 46,034 |
| 035240AV2 ANHEUSER-BUSCH INBEV | 36,623 | 32,348 |
| 6174468Q5 MORGAN STANLEY | 40,157 | 38,488 |
| 05526DBS3 BAT CAPITAL CORP | 70,579 | 59,409 |
| 17327CAQ6 CITIGROUP INC | 34,178 | 28,529 |
| 46647PDG8 JPMORGAN CHASE & CO | 63,258 | 62,315 |
| Name of Stock | End of Year Book Value | End of Year Fair Market Value |
|---|---|---|
| 50540R409 LABORATORY CORP AMER | 28,973 | 32,153 |
| 55261F104 M&T BANK CORP | 7,526 | 7,546 |
| 655844108 NORFOLK SOUTHERN COR | ||
| 775109200 ROGERS COMMUNICATION | 6,413 | 5,845 |
| 874039100 TAIWAN SEMICONDUCTOR | 15,939 | 22,389 |
| 744573106 PUBLIC SERVICE ENTER | 5,618 | 6,614 |
| 91324P102 UNITEDHEALTH GROUP I | 30,132 | 38,501 |
| 172967424 CITIGROUP INC | 29,565 | 34,404 |
| 20030N101 COMCAST CORP | 44,683 | 50,349 |
| 02079K107 ALPHABET INC SHS | 13,557 | 30,891 |
| 02079K305 ALPHABET INC SHS | 12,292 | 40,984 |
| 046353108 ASTRAZENECA PLC SPON | 16,641 | 20,467 |
| 17275R102 CISCO SYSTEMS INC | 18,818 | 19,880 |
| 25243Q205 DIAGEO PLC SPON ADR | 21,043 | 21,414 |
| 87971M103 TELUS CORP | 9,864 | 9,557 |
| 907818108 UNION PACIFIC CORP | 19,650 | 24,101 |
| 00287Y109 ABBVIE INC | 9,209 | 14,260 |
| 166764100 CHEVRONTEXACO CORP | 12,553 | 12,769 |
| 256677105 DOLLAR GENERAL CORP | 51,151 | 38,798 |
| 500472303 KONINKLIJKE PHILIPS | 9,188 | 11,469 |
| 594918104 MICROSOFT CORP COM | 63,114 | 170,006 |
| 670100205 NOVO NORDISK A/S ADR | 24,542 | 48,387 |
| 718172109 PHILIP MORRIS INTERN | 8,222 | 8,366 |
| 92343V104 VERIZON COMMUNICATIO | 27,884 | 31,976 |
| 931142103 WAL MART STORES INC | ||
| 949746101 WELLS FARGO & CO NEW | 26,347 | 37,634 |
| 026874784 AMERICAN INTERNATION | 11,000 | 25,584 |
| 110448107 BRITISH AMERICAN TOB | 16,909 | 13,720 |
| G5960L103 MEDTRONIC PLC SHS | 46,106 | 46,265 |
| 174610105 CITIZENS FINANCIAL G | 17,002 | 14,785 |
| 34959J108 FORTIVE CORP | 26,655 | 34,903 |
| 055622104 BP P L C SPONS ADR | 37,983 | 41,078 |
| 192446102 COGNIZANT TECHNOLOGY | 35,619 | 46,069 |
| 02209S103 ALTRIA GROUP INC | ||
| 036752103 ANTHEM INC | 23,077 | 36,090 |
| 444859102 HUMANA INC | 21,982 | 18,567 |
| 46625H100 J P MORGAN CHASE & C | 27,326 | 47,445 |
| 80105N105 SANOFI-SYNTHELABO | 57,798 | 57,994 |
| 808513105 CHARLES SCHWAB CORP/ | 5,055 | 5,409 |
| 037833100 APPLE INC | 29,485 | 70,312 |
| 23304Y100 DBS GROUP HOLDINGS L | 3,587 | 5,061 |
| 80687P106 SCHNEIDER ELEC SA | ||
| 05523R107 BAE SYSTEMS PLC | 6,554 | 7,852 |
| 609207105 MONDELEZ INTERNATION | 23,401 | 25,355 |
| 759530108 RELX PLC | 8,445 | 15,416 |
| 969457100 WILLIAMS COS INC/THE | 16,195 | 19,587 |
| G96629103 WILLIS TOWERS WATSON | 10,356 | 12,267 |
| 704326107 PAYCHEX INC | 10,978 | 13,366 |
| 363576109 ARTHUR J GALLAGHER & | 3,195 | 7,318 |
| 882508104 TEXAS INSTRUMENTS IN | 9,893 | 9,705 |
| 21036P108 CONSTELLATION BRANDS | ||
| 30303M102 FACEBOOK INC | 23,539 | 59,306 |
| 256746108 DOLLAR TREE INC | 12,497 | 18,482 |
| 35137L105 FOX CORP | 7,599 | 7,179 |
| 22052L104 DOWDUPONT INC | 15,720 | 26,011 |
| 37045V100 GENERAL MOTORS CO | 19,101 | 24,383 |
| 023135106 AMAZON COM INC | 58,033 | 88,203 |
| 418056107 HASBRO INC | 7,499 | 7,845 |
| 651229106 NEWELL BRANDS INC | 6,464 | 3,225 |
| 754730109 RAYMOND JAMES FINANC | 5,792 | 10,348 |
| 05722G100 BAKER HUGHES A GE CO | 7,688 | 8,670 |
| 29452E101 EQUITABLE HOLDINGS I | ||
| 92826C839 VISA INC | 11,703 | 15,263 |
| 20825C104 CONOCOPHILLIPS | 16,345 | 22,733 |
| 025816109 AMERICAN EXPRESS CO | 24,141 | 28,963 |
| 12504L109 CBRE GROUP INC | ||
| 281020107 EDISON INTERNATIONAL | ||
| 297284200 ESSILOR INTL SA | ||
| 339041105 FLEETCOR TECHNOLOGIS | ||
| 517834107 LAS VEGAS SANDS CORP | 14,644 | 15,320 |
| 038222105 APPLIED MATERIALS IN | 19,744 | 39,921 |
| 125523100 CIGNA CORP | 9,470 | 14,790 |
| 98956P102 ZIMMER BIOMET HOLDIN | ||
| 74435K204 PRUDENTIAL PLC ADR | 15,648 | 11,282 |
| 020002101 ALLSTATE CORP/THE | ||
| 04621X108 ASSURANT INC | 6,096 | 8,347 |
| 171779309 CIENA CORP | 11,964 | 15,271 |
| 693506107 PPG INDUSTRIES INC | 4,662 | 5,098 |
| G0750C108 AXALTA COATING SYSTE | 13,937 | 18,296 |
| 45866F104 INTERCONTINENTAL EXC | 42,378 | 53,984 |
| 525327102 LEIDOS HOLDINGS INC | 20,310 | 27,618 |
| 904767704 UNILEVER PLC AMER SH | 35,514 | 34,524 |
| 756255204 RECKITT BENCKISER GR | ||
| 778296103 ROSS STORES INC | 22,913 | 34,559 |
| 922475108 VEEVA SYS INC | 17,735 | 16,913 |
| 30161N101 EXELON CORP | 7,284 | 6,380 |
| 502441306 LVMH MOET HENNESSY L | 9,208 | 12,260 |
| 87165B103 SYNCHRONY FINANCIAL | ||
| 084670702 BERKSHIRE HATHAWAYIN | 19,436 | 41,349 |
| 31620R303 FIDELITY NATIONAL FI | 21,590 | 29,488 |
| 68902V107 OTIS WORLDWIDE CORP | 20,764 | 26,684 |
| 75513E101 RAYTHEON TECHNOLOGIE | 26,289 | 28,784 |
| 461202103 INTUIT INC | ||
| 743315103 PROGRESSIVE CORP/THE | 9,948 | 18,766 |
| 521865204 LEAR CORP | 4,623 | 4,807 |
| 81211K100 SEALED AIR CORP | 18,921 | 13,460 |
| 26884L109 EQT CORP | ||
| 025537101 AMERICAN ELECTRIC PO | 10,515 | 10,649 |
| 149123101 CATERPILLAR INC | ||
| 03073E105 AMERISOURCEBERGEN CO | 4,555 | 7,539 |
| 268353109 EDP-ELECTRICIDADE DE | ||
| 00507V109 ACTIVISION BLIZZARD | ||
| 032654105 ANALOG DEVICES INC | ||
| 05352A100 AVANTOR INC | 17,203 | 19,121 |
| 48667L106 KDDI CORP | ||
| 93114W107 WAL-MART DE MEXICO S | 8,509 | 9,653 |
| H84989104 TE CONNECTIVITY LTD | ||
| 369604301 GENERAL ELEC CO REG | ||
| 69366X100 PT BANK RAKYAT ADR | 5,271 | 6,789 |
| G3421J106 FERGUSON PLC | ||
| 492089107 KERING SA | ||
| 78467J100 SS&C TECHNOLOGIES HO | 20,078 | 22,890 |
| 98156Q108 WORLD WRESTLING ENTE | ||
| 03769M106 APOLLO GLOBAL MANAGE | ||
| 42809H107 HESS CORP | ||
| 816851109 SEMPRA ENERGY | 8,560 | 8,472 |
| 31946M103 FIRST CITIZENS BANCS | 14,486 | 28,329 |
| 31620M106 FIDELITY NATL INFO S | 22,982 | 20,342 |
| 070830104 BATH & BODY WORKS IN | ||
| 751212101 RALPH LAUREN CORP | 3,106 | 4,834 |
| 26484T106 DUN AND BRADSTREET H | 9,051 | 7,473 |
| 00206R102 AT&T INC | 7,132 | 6,400 |
| 502431109 L3HARRIS TECHNOLOGIE | 23,055 | 25,399 |
| 459506101 INTERNATIONAL FLAVOR | 5,767 | 5,587 |
| 780641205 KONINKLIJKE KPN NV | 9,627 | 10,382 |
| 780259305 ROYAL DUTCH SHELL PL | 52,293 | 54,097 |
| 929089100 VOYA FINL INC SHS | 12,914 | 13,535 |
| G6095L109 APTIV PLC SHS | 18,757 | 16,295 |
| 14149Y108 CARDINAL HEALTH INC | 12,167 | 20,156 |
| 595112103 MICRON TECHNOLOGY | 31,578 | 41,862 |
| 009126202 AIR LIQUIDE ADR | 8,304 | 11,864 |
| G1151C101 ACCENTURE PLC SHS | 10,236 | 14,242 |
| 455793109 INDUSTRIA DE DISENO | ||
| 071813109 BAXTER INTERNATIONAL | 23,546 | 22,506 |
| 254687106 WALT DISNEY CO/THE | ||
| 500754106 KRAFT HEINZ CO/THE | 25,957 | 23,885 |
| 532457108 ELI LILLY & CO | 9,501 | 11,305 |
| 61174X109 MONSTER BEVERAGE SHS | 11,858 | 15,839 |
| 989825104 ZURICH INSURANCE GRO | 10,859 | 12,268 |
| 54338V101 LONZA GROUP AG | ||
| 88033G407 TENET HEALTHCARE COR | 12,933 | 21,483 |
| 29429L105 EPIROC AB | ||
| 759351604 REINSURANCE GROUP OF | 11,792 | 17,685 |
| 911312106 UNITED PARCEL SERVIC | 12,060 | 10,378 |
| 34965K107 FORTREA HOLDINGS INC | 9,232 | 11,750 |
| 38141G104 GOLDMAN SACHS GROUP | 9,461 | 11,672 |
| 49271V100 KEURIG DR PEPPER INC | 5,050 | 4,756 |
| 502117203 L OREAL CO ADR | 10,720 | 10,529 |
| 50212V100 LPL FINANCIAL HOLDIN | 15,176 | 19,020 |
| 573874104 MARVELL TECH INC | 12,968 | 19,850 |
| 57636Q104 MASTERCARD INC | 4,968 | 5,222 |
| 615369105 MOODY S CORP | 7,497 | 7,588 |
| 641069406 NESTLE S A SPONSORED | 15,169 | 13,204 |
| 67066G104 NVIDIA CORP | 10,524 | 11,867 |
| 68389X105 ORACLE CORP | 10,771 | 10,275 |
| 69331C108 PG&E CORP | 7,494 | 7,344 |
| 717081103 PFIZER INC | 4,909 | 4,595 |
| 760759100 REPUBLIC SERVICES IN | 9,681 | 12,118 |
| 830566105 SKECHERS U S A INC | 10,841 | 13,784 |
| 835699307 SONY CORP ADR AMERN | 37,702 | 36,555 |
| 867224107 SUNCOR ENERGY INC | 9,685 | 9,827 |
| 87256C101 TKO GROUP HOLDINGS I | 9,335 | 13,481 |
| 876030107 TAPESTRY INC | 4,077 | 4,088 |
| 883556102 THERMO FISHER SCIENT | 6,410 | 7,412 |
| 929740108 WABTEC CORP | 6,971 | 7,206 |
| 989207105 ZEBRA TECHNOLOGIES C | 20,724 | 23,197 |
| 98978V103 ZOETIS INC | 5,332 | 5,355 |
| G0176J109 ALLEGION PLC SHS | 25,089 | 28,131 |
| N20944109 FI CBM HOLDINGS N.V. | 4,919 | 5,031 |
| 007903107 ADVANCED MICRO DEVIC | 24,730 | 38,699 |
| 14316J108 CARLYLE (THE) GROUP | 5,174 | 7,290 |
| 14448C104 CARRIER GLOBAL CORP | 8,409 | 9,560 |
| 22822V101 CROWN CASTLE INTERNA | 4,659 | 5,387 |
| 285512109 ELECTRONIC ARTS | 6,759 | 6,695 |
| Category/ Item | Listed at Cost or FMV | Book Value | End of Year Fair Market Value |
|---|---|---|---|
| 46432F842 ISHARES CORE MSCI EA | AT COST | 222,718 | 257,547 |
| 09260B382 BLACKROCK STRATEGIC | AT COST | 97,625 | 93,388 |
| 464287804 ISHARES CORE S&P SMA | AT COST | 96,612 | 103,700 |
| 464287507 ISHARES CORE S&P MID | AT COST | 94,627 | 106,959 |
| 46434G103 ISHARES CORE MSCI EM | AT COST | 121,435 | 121,823 |
| Category | Amount | Net Investment Income | Adjusted Net Income | Disbursements for Charitable Purposes |
|---|---|---|---|---|
| LEGAL FEES - PRINCIPAL (ALLOCA | 9,000 | 9,000 |
| Description | Amount |
|---|---|
| TIMING DIFFERENCE | 1,474 |
| Description | Revenue and Expenses per Books | Net Investment Income | Adjusted Net Income | Disbursements for Charitable Purposes |
|---|---|---|---|---|
| STATE FILING FEE | 25 | 0 | 25 | |
| OTHER EXPENSE (NON-DEDUCTIBLE | 375 | 375 | 0 | |
| OTHER CHARITABLE EXPENSES | 16,560 | 0 | 16,560 |
| Description | Revenue And Expenses Per Books | Net Investment Income | Adjusted Net Income |
|---|---|---|---|
| FEDERAL TAX REFUND | 4,593 | 0 |
| Category | Amount | Net Investment Income | Adjusted Net Income | Disbursements for Charitable Purposes |
|---|---|---|---|---|
| INVESTMNT MNGMNT FEES (NON-DED | 44,577 | 26,746 | 17,831 |
| Name | Address |
|---|---|
| EDNA RUSKIN CLUT C40 |
PO BOX 1532 AFT PENNINGTON,NJ08534 |
| ROSE ZAFREN CLUT C29 |
PO BOX 1532 AFT PENNINGTON,NJ08534 |
| JONATHAN RUSKIN CLUT C26 |
PO BOX 1532 AFT PENNINGTON,NJ08534 |
| Category | Amount | Net Investment Income | Adjusted Net Income | Disbursements for Charitable Purposes |
|---|---|---|---|---|
| FOREIGN TAXES | 2,427 | 2,427 | 0 | |
| FOREIGN TAXES ON NONQUALIFIED | 644 | 644 | 0 |