| Category/ Item | Listed at Cost or FMV | Book Value | End of Year Fair Market Value |
|---|---|---|---|
| 11135F101 BROADCOM INC | AT COST | 6,755 | 258,441 |
| 05569M830 BNY MELLON BOND FUND | AT COST | 202,644 | 205,825 |
| 254687106 WALT DISNEY CO/THE | AT COST | 4,824 | 19,276 |
| 907818108 UNION PACIFIC CORP | AT COST | 3,190 | 24,262 |
| 988498101 YUM BRANDS INC | AT COST | 19,238 | 62,192 |
| 00724F101 ADOBE INC | AT COST | 8,898 | 36,462 |
| 00206R102 AT&T INC | AT COST | 24,116 | 28,990 |
| 30303M102 META PLATFORMS INC | AT COST | 19,272 | 114,426 |
| 438516106 HONEYWELL INTL INC | AT COST | 10,474 | 67,809 |
| 58933Y105 MERCK & CO INC | AT COST | 21,378 | 60,145 |
| 713448108 PEPSICO INC | AT COST | 5,517 | 31,058 |
| 717081103 PFIZER INC COM | |||
| 91324P102 UNITED HEALTH GROUP | AT COST | 16,741 | 27,059 |
| 92826C839 VISA INC-CLASS A SHR | AT COST | 21,697 | 45,336 |
| 02079K305 ALPHABET INC/CA-CL A | AT COST | 27,617 | 287,560 |
| 166764100 CHEVRON CORPORATION | AT COST | 16,947 | 51,725 |
| 22160K105 COSTCO WHSL CORP NEW | AT COST | 15,336 | 99,643 |
| 91913Y100 VALERO ENERGY CORP N | AT COST | 4,425 | 74,124 |
| 92343V104 VERIZON COMMUNICATIO | AT COST | 27,035 | 40,160 |
| 30231G102 EXXON MOBIL CORP | AT COST | 12,509 | 84,830 |
| 437076102 HOME DEPOT INC | AT COST | 11,540 | 82,223 |
| 478160104 JOHNSON & JOHNSON | AT COST | 18,966 | 46,688 |
| 609207105 MONDELEZ INTERNATION | AT COST | 7,677 | 23,056 |
| 05569M814 BNY MELLON INTERMEDI | |||
| G29183103 EATON CORP PLC | AT COST | 7,558 | 53,651 |
| 110122108 BRISTOL-MYERS SQUIBB | AT COST | 24,498 | 30,325 |
| 30161N101 EXELON CORP | |||
| 46625H100 J P MORGAN CHASE & C | AT COST | 24,021 | 176,496 |
| 718172109 PHILIP MORRIS INTERN | AT COST | 13,217 | 41,335 |
| 742718109 PROCTER & GAMBLE CO | AT COST | 10,439 | 72,220 |
| 05569M368 BNY MELLON CORP BOND | |||
| 594918104 MICROSOFT CORPORATIO | AT COST | 41,785 | 148,068 |
| 12572Q105 CME GROUP INC | AT COST | 17,740 | 29,535 |
| 05588F709 BNYM GLBL RL EST SEC | |||
| 05589K400 BNYM FLTNG RT INC-Y | AT COST | 27,628 | 27,118 |
| 05588E850 BNY MELLON HIGH YIEL | AT COST | 34,995 | 31,879 |
| 00287Y109 ABBVIE INC | AT COST | 29,102 | 76,122 |
| 87234N765 TCW EMERGING MARKETS | |||
| G8994E103 TRANE TECHNOLOGIES P | AT COST | 12,239 | 62,511 |
| 191216100 COCA - COLA CO | AT COST | 12,924 | 22,815 |
| 67066G104 NVIDIA CORP | AT COST | 14,388 | 392,400 |
| 89832Q109 TRUIST FINL CORP | |||
| 78409V104 S & P GLOBAL INC | |||
| 883556102 THERMO FISHER SCIENT | AT COST | 13,917 | 24,577 |
| 929089100 VOYA FINANCIAL INC | |||
| 482480100 KLA CORPORATION | AT COST | 14,211 | 147,241 |
| 654106103 NIKE INC CL B | |||
| 595112103 MICRON TECHNOLOGY | |||
| 65339F101 NEXTERA ENERGY INC | |||
| 03076C106 AMERIPRISE FINL INC | AT COST | 23,656 | 44,440 |
| 060505104 BANK OF AMERICA CORP | AT COST | 31,085 | 48,750 |
| G1151C101 ACCENTURE PLC IRELAN | |||
| 023135106 AMAZON COM INC | AT COST | 10,464 | 208,270 |
| 922908751 VANGUARD SMALL-CAP E | AT COST | 173,683 | 209,536 |
| 037833100 APPLE INC | AT COST | 3,298 | 253,790 |
| 75513E101 RTX CORPORATION | AT COST | 7,784 | 57,870 |
| 026874784 AMERICAN INTERNATION | AT COST | 23,800 | 52,675 |
| 23320G463 D F A COMMODITY STRA | |||
| 744573106 PUBLIC SVC ENTERPRIS | AT COST | 24,232 | 32,380 |
| 084670702 BERKSHIRE HATHAWAY I | AT COST | 66,860 | 79,068 |
| 532457108 ELI LILLY & CO | AT COST | 38,926 | 45,989 |
| 90353T100 UBER TECHNOLOGIES IN | AT COST | 39,852 | 35,965 |
| 00771X419 G Q G PART EMERG MKT | |||
| 14949P208 CAUSEWAY INTL VALUE | AT COST | 103,500 | 109,706 |
| 464287499 ISHARES TR RUSSELL M | AT COST | 287,126 | 311,136 |
| 464287507 ISHARES TR S&P MIDCA | |||
| 464287804 ISHARES TR S & P SMA | |||
| 46432F842 ISHARES CORE MSCI EA | AT COST | 103,637 | 125,384 |
| 46434G103 ISHARES CORE MSCI EM | AT COST | 186,277 | 217,620 |
| 512807306 LAM RESEARCH CORP | AT COST | 10,116 | 106,830 |
| 00206RGL0 A T & T INC | AT COST | 34,679 | 34,828 |
| 00287YDS5 ABBVIE INC | AT COST | 35,434 | 35,562 |
| 035240AQ3 ANHEUSER-BUSCH INBEV | AT COST | 35,413 | 35,445 |
| 05964HBA2 BANCO SANTANDER SA | AT COST | 35,474 | 35,296 |
| 06051GKP3 BANK OF AMERICA CORP | AT COST | 34,851 | 34,974 |
| 06368LGV2 BANK OF MONTREAL | AT COST | 35,636 | 35,525 |
| 06418GAN7 BANK OF NOVA SCOTIA/ | AT COST | 34,585 | 34,913 |
| 06738ECP8 BARCLAYS PLC | AT COST | 35,585 | 35,330 |
| 10373QAE0 B P CAP MARKETS AMER | AT COST | 34,838 | 35,009 |
| 14040HDM4 CAPITAL ONE FINANCIA | AT COST | 34,901 | 34,365 |
| 14064D774 FULLTHALER BEH S/C G | AT COST | 80,000 | 92,403 |
| 17275RBT8 CISCO SYSTEMS INC | AT COST | 35,356 | 35,506 |
| 172967NU1 CITIGROUP INC | AT COST | 34,514 | 34,841 |
| 20030NEJ6 COMCAST CORP | AT COST | 36,384 | 35,529 |
| 251526CS6 DEUTSCHE BANK NY 6.7 | AT COST | 31,357 | 31,082 |
| 254687GD2 WALT DISNEY COMPANY/ | AT COST | 34,936 | 34,460 |
| 29379VBV4 ENTERPRISE PRODUCTS | AT COST | 33,909 | 33,728 |
| 36828A101 GE VERNOVA LLC | AT COST | 29,187 | 78,561 |
| 37045XCY0 GENERAL MOTORS FINL | AT COST | 33,773 | 33,286 |
| 38141GWZ3 GOLDMAN SACHS GROUP | AT COST | 34,603 | 34,803 |
| 404280EN5 HSBC HOLDINGS PLC | AT COST | 36,231 | 35,635 |
| 437076CB6 HOME DEPOT INC 2.7% | AT COST | 32,364 | 32,927 |
| 45687V106 INGERSOLL RAND INC | AT COST | 14,671 | 16,024 |
| 458140CG3 INTEL CORP | AT COST | 34,812 | 35,274 |
| 46120E602 INTUITIVE SURGICAL I | AT COST | 24,697 | 23,050 |
| 464285204 ISHARES GOLD TRUST | AT COST | 6,052 | 8,816 |
| 46647PDH6 JPMORGAN CHASE & CO | AT COST | 34,746 | 35,024 |
| 482480AL4 K L A CORP | AT COST | 34,784 | 35,155 |
| 53944YAX1 LLOYDS BANKING GROUP | AT COST | 35,562 | 35,961 |
| 606822DF8 MITSUBISHI UFJ FIN G | AT COST | 35,266 | 35,610 |
| 60687YCZ0 MIZUHO FINANCIAL GRO | AT COST | 36,241 | 35,965 |
| 61747YFA8 MORGAN STANLEY | AT COST | 35,478 | 35,383 |
| 693475CE3 PNC FINANCIAL SERVIC | AT COST | 35,473 | 35,153 |
| 716973AE2 PFIZER INVESTMENT EN | AT COST | 34,533 | 34,867 |
| 76720AAS5 RIO TINTO FINANCE US | AT COST | 35,909 | 35,548 |
| 78009PEH0 ROYAL BANK OF SCOTLA | AT COST | 35,242 | 35,386 |
| 78017DAC2 ROYAL BK CDA | AT COST | 35,443 | 35,573 |
| 81762P102 SERVICENOW INC | AT COST | 27,804 | 18,296 |
| 83443Q103 SOLSTICE ADVANCED MA | AT COST | 656 | 5,712 |
| 86562MDN7 SUMITOMO MITSUI FINL | AT COST | 30,845 | 30,711 |
| 87612EBP0 TARGET CORP | AT COST | 34,404 | 35,269 |
| 89115A2E1 TORONTO-DOMINION BAN | AT COST | 33,934 | 34,411 |
| 89236TLZ6 TOYOTA MOTOR CREDIT | AT COST | 35,572 | 35,804 |
| 89788MAP7 TRUIST FINL CORP | AT COST | 36,843 | 36,468 |
| 91159HJG6 US BANCORP | AT COST | 34,050 | 34,618 |
| 921075297 VAN ECK CM COMMODITY | AT COST | 40,000 | 43,114 |
| 922908553 VANGUARD REAL ESTATE | AT COST | 30,166 | 31,489 |
| 92343VEU4 VERIZON COMMUNICATIO | AT COST | 34,247 | 34,521 |
| 95000U3P6 WELLS FARGO & COMPAN | AT COST | 35,525 | 35,678 |
| Description | Amount |
|---|---|
| CY PURCHASE OF ACCRUED INTEREST | 1,165 |
| COST BASIS ADJUSTMENT | 379 |
| Description | Revenue and Expenses per Books | Net Investment Income | Adjusted Net Income | Disbursements for Charitable Purposes |
|---|---|---|---|---|
| STATE INCOME TAXES - PRINCIPAL | 250 | 0 | 250 |
| Description | Amount |
|---|---|
| MUTUAL FUND TIMING ADJ | 4,541 |
| Category | Amount | Net Investment Income | Adjusted Net Income | Disbursements for Charitable Purposes |
|---|---|---|---|---|
| FOREIGN TAXES | 461 | 461 | 0 | |
| FEDERAL TAX PAYMENT - PRIOR YE | 186 | 0 | 0 | |
| FEDERAL ESTIMATES - PRINCIPAL | 3,136 | 0 | 0 | |
| FOREIGN TAXES ON NONQUALIFIED | 453 | 453 | 0 |