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.
Go to www.irs.gov/Form990PF for instructions and the latest information.
OMB No. 1545-0047
2025
Open to Public Inspection
For calendar year 2025, or tax year beginning 01 - 01 2025, and ending 12 - 31, 20 25
Name of foundation
THE FREDERICK B AND RAMONA E MIRABITO
FOUNDATION
Number and street (or P.O. box number if mail is not delivered to street address) PO BOX 550
  Room/suite
City or town
NORWICH
State or province
NY
Country  
ZIP or foreign postal code
13815
A Employer identification number

16-1577124
B Telephone number (see instructions)

6073349090
C
G Check all that apply:

D 1. Foreign organizations, check here.............
2. Foreign organizations meeting the 85%
test, check here and attach computation ...
E
H Check type of organization:
F
I Fair market value of all assets at end
of year (from Part II, col. (c),
line 16)$17,896,257J 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 .................
3 Interest on savings and temporary cash investments      
4 Dividends and interest from securities... 602,057 602,057  
5a Gross rents............      
b Net rental income or (loss)  
6a Net gain or (loss) from sale of assets not on line 10 321,558
b Gross sales price for all assets on line 6a 4,278,800
7 Capital gain net income (from Part IV, line 2)... 321,558
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........ 923,615 923,615  
Operating and Administrative Expenses 13 Compensation of officers, directors, trustees, etc. 34,300 17,150   17,150
14 Other employee salaries and wages......        
15 Pension plans, employee benefits.......        
16a Legal fees (attach schedule).........        
b Accounting fees (attach schedule)....... Click to see attachment
List of Attached Documents:
// Content
9,478 7,108   2,370
c Other professional fees (attach schedule).... Click to see attachment
List of Attached Documents:
// Content
94,779 94,779   0
17 Interest...............        
18 Taxes (attach schedule) (see instructions)... Click to see attachment
List of Attached Documents:
// Content
13,987 0   0
19 Depreciation (attach schedule) and depletion...      
20 Occupancy.............. 6,252 3,126   3,126
21 Travel, conferences, and meetings.......        
22 Printing and publications..........        
23 Other expenses (attach schedule)....... Click to see attachment
List of Attached Documents:
// Content
3,186 1,593   1,593
24 Total operating and administrative expenses.
Add lines 13 through 23.......... 161,982 123,756   24,239
25 Contributions, gifts, grants paid....... 615,331 615,331
26 Total expenses and disbursements. Add lines 24 and 25 ................ 777,313 123,756   639,570
27 Subtract line 26 from line 12:
a Excess of revenue over expenses and disbursements 146,302
b Net investment income (if negative, enter -0-) 799,859
c Adjusted net income (if negative, enter -0-)...  
For Paperwork Reduction Act Notice, see instructions.
Cat. No. 11289X Form 990-PF (2025)
Form 990-PF (2025)
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............. 281,527 284,653 284,653
2 Savings and temporary cash investments......... 884,264 453,693 453,693
3 Accounts receivable  
Less: allowance for doubtful accounts        
4 Pledges receivable  
Less: allowance for doubtful accounts        
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) 449,781 Click to see attachment
List of Attached Documents:
// Content
100,806 		100,806
b Investments—corporate stock (attach schedule)....... 12,825,257 Click to see attachment
List of Attached Documents:
// Content
16,180,713 		16,180,713
c Investments—corporate bonds (attach schedule)....... 619,762 Click to see attachment
List of Attached Documents:
// Content
567,489 		567,489
11 Investments—land, buildings, and equipment: basis  
Less: accumulated depreciation (attach schedule)        
12 Investments—mortgage loans.............      
13 Investments—other (attach schedule).......... 504,099 Click to see attachment
List of Attached Documents:
// Content
292,477 		292,477
14 Land, buildings, and equipment: basis  
Less: accumulated depreciation (attach schedule)        
15 Other assets (describe ) Click to see attachment
List of Attached Documents:
// Content
14,507 		Click to see attachment
List of Attached Documents:
// Content
16,426 		Click to see attachment
List of Attached Documents:
// Content
16,426
16 Total assets (to be completed by all filers—see the
instructions. Also, see page 1, item I) 15,579,197 17,896,257 17,896,257
Liabilities 17 Accounts payable and accrued expenses.......... 11,405  
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)......... 11,405 0
Net Assets or Fund Balances Foundations that follow FASB ASC 958, check here
and complete lines 24, 25, 29 and 30.
24 Net assets without donor restrictions........... 15,567,792 17,896,257
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)..... 15,567,792 17,896,257
30 Total liabilities and net assets/fund balances (see instructions). 15,579,197 17,896,257
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
15,567,792
2
Enter amount from Part I, line 27a .....................
2
146,302
3
Other increases not included in line 2 (itemize) Click to see attachment
List of Attached Documents:
// Content
3
2,182,163
4
Add lines 1, 2, and 3 ..........................
4
17,896,257
5
Decreases not included in line 2 (itemize)
5
0
6
Total net assets or fund balances at end of year (line 4 minus line 5)—Part II, line 29, column (b) ..
6
17,896,257
Form 990-PF (2025)
Form 990-PF (2025)
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 NBT BANCORP INC COM   2023-09-13 2025-04-08
b NBT BANCORP INC COM   2023-12-13 2025-04-08
c NBT BANCORP INC COM   2023-09-12 2025-04-08
d NBT BANCORP INC COM   2024-03-13 2025-04-08
e CVS HEALTH CORPORATION COM USD0.01   2025-04-30 2025-08-06
CVS HEALTH CORPORATION COM USD0.01   2025-04-30 2025-08-05
CVS HEALTH CORPORATION COM USD0.01   2025-07-31 2025-08-05
CVS HEALTH CORPORATION COM USD0.01   2025-01-31 2025-08-05
CVS HEALTH CORPORATION COM USD0.01   2024-10-18 2025-08-05
ELEVANCE HEALTH INC COM   2025-03-24 2025-08-14
ELEVANCE HEALTH INC COM   2025-06-24 2025-08-14
ELEVANCE HEALTH INC COM   2022-03-23 2025-08-13
ELEVANCE HEALTH INC COM   2021-12-17 2025-08-13
ELEVANCE HEALTH INC COM   2021-09-22 2025-08-13
ELEVANCE HEALTH INC COM   2021-06-23 2025-08-13
ELEVANCE HEALTH INC COM   2021-03-23 2025-08-13
ELEVANCE HEALTH INC COM   2020-12-18 2025-08-13
ELEVANCE HEALTH INC COM   2020-09-23 2025-08-13
ELEVANCE HEALTH INC COM   2020-06-23 2025-08-13
ELEVANCE HEALTH INC COM   2020-03-25 2025-08-13
ELEVANCE HEALTH INC COM   2020-01-02 2025-08-13
ELEVANCE HEALTH INC COM   2025-03-24 2025-08-13
ELEVANCE HEALTH INC COM   2022-09-21 2025-08-13
ELEVANCE HEALTH INC COM   2024-12-19 2025-08-13
ELEVANCE HEALTH INC COM   2024-09-24 2025-08-13
ELEVANCE HEALTH INC COM   2024-06-24 2025-08-13
ELEVANCE HEALTH INC COM   2024-03-20 2025-08-13
ELEVANCE HEALTH INC COM   2023-12-19 2025-08-13
ELEVANCE HEALTH INC COM   2023-09-20 2025-08-13
ELEVANCE HEALTH INC COM   2023-06-21 2025-08-13
ELEVANCE HEALTH INC COM   2023-03-22 2025-08-13
ELEVANCE HEALTH INC COM   2022-12-19 2025-08-13
ELEVANCE HEALTH INC COM   2022-06-22 2025-08-13
WEST HILLS TACTICAL CORE FUND   2020-01-02 2025-01-03
WEST HILLS TACTICAL CORE FUND   2024-12-20 2025-01-03
JPMORGAN INCOME BUILDER FUND CLASS I   2020-01-02 2025-01-10
JPMORGAN INCOME BUILDER FUND CLASS I   2024-12-20 2025-01-10
ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD   2019-12-11 2025-08-13
ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD   2020-02-13 2025-08-13
ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD   2020-09-22 2025-08-13
ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD   2020-10-14 2025-08-13
ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD   2019-12-11 2025-08-13
ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD   2020-06-23 2025-08-13
ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD   2020-07-28 2025-08-13
ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD   2020-08-25 2025-08-13
ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD   2020-09-14 2025-08-13
ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD   2020-02-25 2025-08-13
ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD   2020-03-24 2025-08-13
ALPHABET INC CAP STKCL C   2020-01-17 2025-11-03
BOEING CO NOTE 2.50000% 03/01/2025   2020-10-05 2025-03-03
BLACKROCK 60/40 TARGET ALLOC INSTL   2024-12-24 2025-01-06
BLACKROCK 60/40 TARGET ALLOC INSTL   2020-01-02 2025-01-06
MARRIOTT INTL INC NEW SER V NOTE 3.75000% 03/15/2025   2020-10-05 2025-03-17
PACER FDS TR DEVELOPED MRKT   2025-03-11 2025-06-09
PACER FDS TR DEVELOPED MRKT   2023-03-13 2025-06-06
PACER FDS TR DEVELOPED MRKT   2025-03-11 2025-06-06
PACER FDS TR DEVELOPED MRKT   2024-07-02 2025-06-06
PACER FDS TR DEVELOPED MRKT   2024-03-25 2025-06-06
PACER FDS TR DEVELOPED MRKT   2023-12-29 2025-06-06
PACER FDS TR DEVELOPED MRKT   2024-12-31 2025-06-06
PACER FDS TR DEVELOPED MRKT   2023-09-25 2025-06-06
PACER FDS TR DEVELOPED MRKT   2023-04-04 2025-06-06
PACER FDS TR DEVELOPED MRKT   2024-10-01 2025-06-06
UBER TECHNOLOGIES INC COM   2025-04-04 2025-04-10
ORGANON &CO COMMON STOCK   2025-03-12 2025-05-14
ORGANON &CO COMMON STOCK   2021-06-09 2025-05-13
ORGANON &CO COMMON STOCK   2021-04-05 2025-05-13
ORGANON &CO COMMON STOCK   2020-10-05 2025-05-13
ORGANON &CO COMMON STOCK   2020-08-21 2025-05-13
ORGANON &CO COMMON STOCK   2020-07-02 2025-05-13
ORGANON &CO COMMON STOCK   2020-04-03 2025-05-13
ORGANON &CO COMMON STOCK   2020-01-17 2025-05-13
ORGANON &CO COMMON STOCK   2021-01-06 2025-05-13
ORGANON &CO COMMON STOCK   2022-09-13 2025-05-13
ORGANON &CO COMMON STOCK   2024-12-11 2025-05-13
ORGANON &CO COMMON STOCK   2024-09-11 2025-05-13
ORGANON &CO COMMON STOCK   2024-06-12 2025-05-13
ORGANON &CO COMMON STOCK   2024-03-12 2025-05-13
ORGANON &CO COMMON STOCK   2023-12-19 2025-05-13
ORGANON &CO COMMON STOCK   2023-12-12 2025-05-13
ORGANON &CO COMMON STOCK   2023-09-12 2025-05-13
ORGANON &CO COMMON STOCK   2023-06-13 2025-05-13
ORGANON &CO COMMON STOCK   2023-03-14 2025-05-13
ORGANON &CO COMMON STOCK   2022-12-13 2025-05-13
ORGANON &CO COMMON STOCK   2025-03-12 2025-05-13
ORGANON &CO COMMON STOCK   2022-06-14 2025-05-13
ORGANON &CO COMMON STOCK   2022-03-15 2025-05-13
ORGANON &CO COMMON STOCK   2021-12-14 2025-05-13
ORGANON &CO COMMON STOCK   2021-04-07 2025-05-13
MORGAN STANLEY BK N A CD 5.00000% 03/10/2025   2023-03-01 2025-03-10
WELLS FARGO BANK NATL ASSN CD 5.10000% 08/22/2025   2023-08-14 2025-08-22
CALUMET INC COM   2023-07-05 2025-04-10
CALUMET INC COM   2023-12-19 2025-04-10
FARMERS &MERCHANTS BK BERLIN CD 4.40000% 09/25/2028   2024-09-11 2025-09-25
FS MULT STR ALT I   2024-12-24 2025-08-25
BOND FD OF AMER F2   2024-12-24 2025-05-22
ISHS US TREAS   2024-12-24 2025-10-20
JPM EQ PREM INC I   2024-12-24 2025-04-11
FS MULT STR ALT I   2020-01-06 2025-08-25
ISHS US TREAS   2020-01-06 2025-10-20
JPM EQ PREM INC I   2020-01-06 2025-04-11
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 686   562 124
b 582   568 14
c 38,078   30,761 7,317
d 430   372 58
e 1   1 0
258   269 -11
269   271 -2
298   266 32
25,370   23,330 2,040
124   181 -57
146   185 -39
85   133 -48
115   174 -59
135   173 -38
135   173 -38
145   172 -27
138   144 -6
171   144 27
158   143 15
197   143 54
29,579   30,022 -443
3   4 -1
83   134 -51
142   175 -33
98   175 -77
96   174 -78
100   174 -74
100   157 -57
104   157 -53
103   156 -53
97   156 -59
79   134 -55
85   134 -49
997,572   738,138 259,434
24,495   18,125 6,370
219,674   241,043 -21,369
13,295   14,588 -1,293
8   9 -1
4,834   5,170 -336
47   50 -3
36,091   38,560 -2,469
7   7 0
13   14 -1
17   18 -1
13   13 0
16,818   17,928 -1,110
60   64 -4
86   81 5
42,347   11,024 31,323
30,000   30,000 0
20,004   20,698 -694
229,870   237,855 -7,985
30,000   30,000 0
12   11 1
50,198   42,873 7,325
692   651 41
2,726   2,491 235
154   146 8
699   653 46
302   263 39
1,318   1,180 138
33,465   29,954 3,511
434   410 24
35,777   32,703 3,074
7   13 -6
7,764   26,021 -18,257
6   25 -19
5   23 -18
252   1,206 -954
3   15 -12
3   14 -11
419   2,153 -1,734
5   25 -20
84   288 -204
343   618 -275
258   610 -352
243   602 -359
273   593 -320
8,464   13,533 -5,069
229   305 -76
131   301 -170
122   297 -175
112   293 -181
87   290 -203
345   617 -272
73   285 -212
74   283 -209
82   280 -198
6   29 -23
40,000   40,000 0
50,000   50,000 0
13,378   23,681 -10,303
8,919   16,593 -7,674
100,000   100,000 0
15,253   14,801 452
425,636   445,988 -20,352
8,165   7,986 179
45,803   49,202 -3,399
614,442   580,381 34,061
352,168   345,719 6,449
597,885   629,535 -31,650
98,543     98,543
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       124
b       14
c       7,317
d       58
e       0
      -11
      -2
      32
      2,040
      -57
      -39
      -48
      -59
      -38
      -38
      -27
      -6
      27
      15
      54
      -443
      -1
      -51
      -33
      -77
      -78
      -74
      -57
      -53
      -53
      -59
      -55
      -49
      259,434
      6,370
      -21,369
      -1,293
      -1
      -336
      -3
      -2,469
      0
      -1
      -1
      0
      -1,110
      -4
      5
      31,323
      0
      -694
      -7,985
      0
      1
      7,325
      41
      235
      8
      46
      39
      138
      3,511
      24
      3,074
      -6
      -18,257
      -19
      -18
      -954
      -12
      -11
      -1,734
      -20
      -204
      -275
      -352
      -359
      -320
      -5,069
      -76
      -170
      -175
      -181
      -203
      -272
      -212
      -209
      -198
      -23
      0
      0
      -10,303
      -7,674
      0
      452
      -20,352
      179
      -3,399
      34,061
      6,449
      -31,650
      98,543
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 2 321,558
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
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. Bracket for line 1a
Date of ruling or determination letter:   (attach copy of letter if necessary–see instructions) 1 11,118
b All other domestic foundations enter 1.39% (0.0139) of line 27b. Exempt foreign organizations enter 4% (0.04) 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 11,118
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 11,118
6 Credits/Payments:
a 2025 estimated tax payments and 2024 overpayment credited to 2025 6a 16,680
b Exempt foreign organizations—tax withheld at source...... 6b 0
c Tax paid with application for extension of time to file (Form 8868)... 6c 0
d Backup withholding erroneously withheld .......... 6d 0
7 Total credits and payments. Add lines 6a through 6d.............. 7 16,680
8 Enter any penalty for underpayment of estimated tax. Check here if Form 2220 is attached. Click to see attachment
List of Attached Documents:
// Content
8 60
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 5,502
11 Enter the amount of line 10 to be: Credited to 2026 estimated tax5,502 Refunded 11 0
For Refunded amount, also complete and attach Form 8050. See instructions.
Form 990-PF (2025)
Form 990-PF (2025)
Page 4
Part VI-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. $ 0(2) On foundation managers.$ 0
e
Enter the reimbursement (if any) paid by the foundation during the year for political expenditure tax imposed
on foundation managers.$ 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:
round bullet By language in the governing instrument, or
round bullet 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
 
No
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 XIV..................................
7
Yes
 
8a
Enter the states to which the foundation reports or with which it is registered (see instructions)
NY
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 2025 or the taxable year beginning in 2025? See the instructions for Part XIII.
If "Yes," complete Part XIII .............................
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
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 addressN/A
14
The books are in care ofTRUSTEE Telephone no. (607) 316-1650

Located at34 HAYES STREET UNIT 1NORWICHNY ZIP+413815
15
Section 4947(a)(1) nonexempt charitable trusts filing Form 990-PF in lieu of Form 1041 —check here .........
and enter the amount of tax-exempt interest received or accrued during the year ........
15
 
16 At any time during calendar year 2025, 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
Form 990-PF (2025)
Form 990-PF (2025)
Page 5
Part VI-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? ...........
1a(1)
 
No
(2) Borrow money from, lend money to, or otherwise extend credit to (or accept it from)
a disqualified person? ..............................
1a(2)
 
No
(3) Furnish goods, services, or facilities to (or accept them from) a disqualified person? ...........
1a(3)
 
No
(4) Pay compensation to, or pay or reimburse the expenses of, a disqualified person? ............
1a(4)
 
No
(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)? ......................
1a(5)
 
No
(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.) ...............
1a(6)
 
No
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
 
 
c
Organizations relying on a current notice regarding disaster assistance check here ........
d
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 2025? .............
1d
 
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 2025, did the foundation have any undistributed income (Part XII, lines 6d
and 6e) for tax year(s) beginning before 2025?....................
2a
 
No
If "Yes," list the years 20, 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.
20, 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? ..............................
3a
 
No
b
If "Yes," did it have excess business holdings in 2025 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 Form 4720, Schedule C, to determine
if the foundation had excess business holdings in 2025.).....................
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 2025? ..
4b
 
No
Form 990-PF (2025)
Form 990-PF (2025)
Page 6
Part VI-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))? ..........
5a(1)
 
No
(2) Influence the outcome of any specific public election (see section 4955); or to carry
on, directly or indirectly, any voter registration drive? ....................
5a(2)
 
No
(3) Provide a grant to an individual for travel, study, or other similar purposes? .............
5a(3)
 
No
(4) Provide a grant to an organization other than a charitable, etc., organization described
in section 4945(d)(4)(A)? See instructions ........................
5a(4)
 
No
(5) Provide for any purpose other than religious, charitable, scientific, literary, or
educational purposes, or for the prevention of cruelty to children or animals? .............
5a(5)
 
No
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
 
 
c
Organizations relying on a current notice regarding disaster assistance check .........
d
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? .................
5d
 
 
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? .............................
6a
 
No
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?
7a
 
No
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? .........................
8
 
No
Part VII
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
6.00 		34,300 0 0
PO BOX 550
NORWICH,NY13815
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................... 0
Form 990-PF (2025)
Form 990-PF (2025)
Page 7
Part VII
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.............right arrow0
Part VIII-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 VIII-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.........................0
Form 990-PF (2025)
Form 990-PF (2025)
Page 8
Part IX
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
16,284,412
b
Average of monthly cash balances.......................
1b
786,215
c
Fair market value of all other assets (see instructions)................
1c
0
d
Total (add lines 1a, 1b, and 1c).......................
1d
17,070,627
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
17,070,627
4
Cash deemed held for charitable activities. Enter 1.5% (0.015) of line 3 (for greater amount, see
instructions) .............................
4
256,059
5
Net value of noncharitable-use assets. Subtract line 4 from line 3. ............
5
16,814,568
6
Minimum investment return. Enter 5% (0.05) of line 5 ................
6
840,728
Part X
Distributable Amount (see instructions) (Section 4942(j)(3) and (j)(5) private operating foundations and certain foreign organizations check here and do not complete this part.)
1
Minimum investment return from Part IX, line 6..................
1
840,728
2a
Tax on investment income for 2025 from Part V, line 5 .......
2a
11,118
b
Income tax for 2025. (This does not include the tax from Part V.) ...
2b
 
c
Add lines 2a and 2b............................
2c
11,118
3
Distributable amount before adjustments. Subtract line 2c from line 1............
3
829,610
4
Recoveries of amounts treated as qualifying distributions................
4
0
5
Add lines 3 and 4............................
5
829,610
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 XII, line 1 ...
7
829,610
Part XI
Qualifying Distributions (see instructions)
1
Amounts paid (including administrative expenses) to accomplish charitable, etc., purposes:
a
Expenses, contributions, gifts, etc.—total from Part I, line 26, column (d) ..........
1a
639,570
b
Program-related investments—total from Part VIII-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 XII, line 4. .......
4
639,570
Form 990-PF (2025)
Form 990-PF (2025)
Page 9
Part XII
Undistributed Income (see instructions)
(a)
Corpus 		(b)
Years prior to 2024 		(c)
2024 		(d)
2025
1 Distributable amount for 2025 from Part X, line 7 829,610
2 Undistributed income, if any, as of the end of 2025:
a Enter amount for 2024 only....... 0
b Total for prior years:20 , 20, 20 0
3 Excess distributions carryover, if any, to 2025:
a From 2020......  
b From 2021...... 81,513
c From 2022...... 42,440
d From 2023...... 205,732
e From 2024......  
f Total of lines 3a through e ........ 329,685
4Qualifying distributions for 2025 from Part
XI, line 4: $ 639,570
a Applied to 2024, 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 2025 distributable amount..... 639,570
e Remaining amount distributed out of corpus 0
5 Excess distributions carryover applied to 2025. 190,040 190,040
(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 5 139,645
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 2024. Subtract line
4a from line 2a. Taxable amount—see
instructions ............. 		0
f Undistributed income for 2025. Subtract
lines 4d and 5 from line 1. This amount must
be distributed in 2026 .......... 		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 2020 not
applied on line 5 or line 7 (see instructions) ... 		0
9 Excess distributions carryover to 2026.
Subtract lines 7 and 8 from line 6a ...... 		139,645
10 Analysis of line 9:
a Excess from 2021 ....  
b Excess from 2022 ....  
c Excess from 2023 .... 139,645
d Excess from 2024 ....  
e Excess from 2025 ....  
Form 990-PF (2025)
Form 990-PF (2025)
Page 10
Part XIII
Private Operating Foundations (see instructions and Part VI-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 2025, enter the date of the ruling ......
 
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 IX for each
year listed .......... 		Tax year Prior 3 years (e) Total
(a) 2025 (b) 2024 (c) 2023 (d) 2022
         
b 85% (0.85) of line 2a .......          
c Qualifying distributions from Part XI,
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, 3b, or 3c 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 IX, 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 XIV
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 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, 2b, 2c, and 2d. 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 (2025)
Form 990-PF (2025)
Page 11
Part XIV
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

ACHIEVE

4733 VESTAL PKWY
VESTAL,NY13850 		    CHENANGO COUNTY LEADERSHIP CONFERENCE 5,000

CHENANGO GREENWAY CONSERVANCY

PO BOX 376
NORWICH,NY13815 		    IMPROVE STONE QUARRY TRAIL 15,000

COLORSCAPE CHENANGO ARTS FESTIVAL

PO BOX 624
NORWICH,NY13815 		    ARTS FESTIVAL 10,000

NORWICH BUILDING TOMORROW FOUNDATION

52 SOUTH BROAD ST
NORWICH,NY13815 		    PARKS MASTER PLAN, ST LIGHTS, CURB APPEAL, S BROAD ST PARK 260,000

CHURCH OF ST BARTHOLOMEW

30 PLEASANT ST
NORWICH,NY13815 		    REPLACE BOILER, SIDEWALK REPLACEMENT 54,000

CHRISTIAN NEIGHBORHOOD CENTER

PO BOX 509
NORWICH,NY13815 		    TEEN PROGRAM 12,550

THE IMPACT PROJECT

4 CLINTON ST
GREENE,NY13778 		    HOME IMPROVEMENT PROJECTS TO BENEFIT THE IMPACT PROJECT 45,000

AUNT MARY'S HOUSE

PO BOX 955
NORWICH,NY13815 		    HOUSE OPERATIONS 31,274

BROAD STREET UNITED METHODIST CHURCH

74 N BROAD ST
NORWICH,NY13815 		    ROOF REPAIR 50,000

CHENANGO COUNTY BLUES SOCIETY

5 SOUTH BROAD ST
NORWICH,NY13815 		    THURSDAY CONCERT SERIES 25,000

NORWICH BUSINESS IMPROVEMENT DISTRICT

PO BOX 1127
NORWICH,NY13815 		    DOWNTOWN REVITALIZATION 60,000

CATHOLIC CHARITIES OF CHENANGO COUNTY

3 OHARA DRIVE
NORWICH,NY13815 		    FOOD FOR FOOD PANTRY 24,000

RURAL HEALTH NETWORK OF SCNY

455 COURT ST
BINGHAMTON,NY13904 		    CONNECTIONS TO CARE 10,000

CHIP INC

27 WEST MAIN ST
NORWICH,NY13815 		    REPLACE GAS BOILER 13,507
Total ................................. 3a 615,331
bApproved for future payment
Total ................................. 3b 0
Form 990-PF (2025)
Form 990-PF (2025)
Page 12
Part XV-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 ....     14 602,057  
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 ............ 		    14 321,558  
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) .. 0 923,615 0
13Total. Add line 12, columns (b), (d), and (e)..................
13
923,615
(See worksheet in line 13 instructions to verify calculations.)
Part XV-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 XV-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 (2025)
Form 990-PF (2025)
Page 13
Part XVI
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.
May the IRS discuss this return
with the preparer shown below?
See instructions.
Signature of officer or trustee Date Title
Paid Preparer Use Only 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 (2025)
Additional Data


Software ID:  
Software Version:  


Form 990PF - Special Condition Description:
Special Condition Description

TY 2025 AccountingFeesSchedule
Name:
THE FREDERICK B AND RAMONA E MIRABITO
 
FOUNDATION
EIN:
16-1577124
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
ACCOUNTING AND TAX PREPARATION 9,478 7,108   2,370

TY 2025 InvestmentsCorpBondsSchedule
Name:
THE FREDERICK B AND RAMONA E MIRABITO
 
FOUNDATION
EIN:
16-1577124
Name of Bond End of Year Book Value End of Year Fair Market Value
BLOCK FINL LLC NOTE CALL MAKE WHOLE3.87500% 08/15/2030 28,897 28,897
CITIGROUP INC SER G MTN 2.50000% 04/30/2036 25,203 25,203
FEDEX CORP NOTE CALL MAKE WHOLE3.90000% 02/01/2035 27,613 27,613
GENERAL MTRS FINL COINC NOTE 4.30000% 04/06/2029 CALL MAKE WHOLE 29,939 29,939
GOLDMAN SACHS GROUP INC SER N MTN 4.75000% 08/22/2033 29,646 29,646
HP INC NOTE CALL MAKE WHOLE4.00000% 04/15/2029 29,682 29,682
JOHNSON &JOHNSON NOTE CALL MAKE WHOLE3.40000% 01/15/2038 26,364 26,364
JPMORGAN CHASE &CO SER E MTN 2.00000% 10/30/2034 23,606 23,606
KRAFT HEINZ FOODS CONOTE CALL MAKE WHOLE4.62500% 01/30/2029 30,393 30,393
LAS VEGAS SANDS CORPNOTE CALL MAKE WHOLE3.90000% 08/08/2029 29,240 29,240
LOCKHEED MARTIN CORPNOTE CALL MAKE WHOLE3.60000% 03/01/2035 27,686 27,686
M &T BK CORP BOND PERPETUAL 3.50000% 29,066 29,066
ORACLE CORP NOTE CALL MAKE WHOLE2.87500% 03/25/2031 26,958 26,958
PARAMOUNT GLOBAL NOTE CALL MAKE WHOLE4.95000% 01/15/2031 28,849 28,849
PRUDENTIAL FINL INC MTN 4.5000% 30,316 30,316
ROYAL BK CDA SER I MTN 5.25000% 02/14/2031 29,893 29,893
SOUTHERN CO SER 2020B NOTE 4.00000% 01/15/2051 29,982 29,982
SYSCO CORP NOTE CALL MAKE WHOLE2.40000% 02/15/2030 27,920 27,920
UNITEDHEALTH GROUP INC NOTE 3.50000% 08/15/2039 CALL MAKE WHOLE 24,980 24,980
UNITEDHEALTH GROUP INC NOTE 5.35000% 02/15/2033 CALL MAKE WHOLE 31,256 31,256

TY 2025 InvestmentsCorpStockSchedule
Name:
THE FREDERICK B AND RAMONA E MIRABITO
 
FOUNDATION
EIN:
16-1577124
Name of Stock End of Year Book Value End of Year Fair Market Value
ALPHABET INC CAP STKCL C 205,382 205,382
ALPS ETF TRUST DYNAMIC CORE INCOME ETF 210,920 210,920
ALPS ETF TRUST RIVERFRONT DYNAMIC US DIV ADVANTAGE ETF 239,412 239,412
ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD 139,454 139,454
AMAZON.COM INC 92,328 92,328
AMGEN INC 52,101 52,101
BERKSHIRE HATHAWAY INC COM USD0.0033 CLASS B 113,096 113,096
BLACKROCK TAXABLE MUNICIPAL BOND TRUST 86,666 86,666
BUNGE GLOBAL SA COM USD0.01 57,617 57,617
CAPITAL GROUP CORE BALANCED ET SHS 357,436 357,436
CAPITAL GRP FIXED INCM ETF TR CORE PLUS INCM 159,455 159,455
CARETRUST REIT INC COM 47,647 47,647
CARILLON REAMS CORE PLUS BOND CL I 238,326 238,326
CHAUTAUQUA INTL GROWTH FUND CL I 178,748 178,748
CHEVRON CORP NEW COM 52,160 52,160
COCA-COLA CO 81,876 81,876
CORNING INC 88,128 88,128
DECKERS OUTDOOR COPRP 31,101 31,101
DEERE & CO 136,976 136,976
EATON VANCE SHT DUR STRATEGIC INC FD I 278,200 278,200
EXELON CORP COM NPV 130,374 130,374
FERGUSON ENTERPRISESINC COM 45,259 45,259
FID ADVISOR MULTI ASSET INCOME CLASS Z 322,347 322,347
FIDELITY ENHANCED INTERNATIONAL ETF 111,361 111,361
FIRST EAGLE GLOBAL CLASS I 195,409 195,409
FIRST TR EXCHANGE-TRADED FD IV FT VEST S&P 500 303,263 303,263
FIRST TRUST RIVERFRONT DYNAM 156,908 156,908
FLAHERTY AND CRUMRINE PREFERRED AND INCOME SECURITIES FUND INCORPORATED 80,356 80,356
FRANK VALUE FUND - INSTITUTIONAL 298,461 298,461
FRANKLIN INCOME ADVISOR CLASS 152,998 152,998
FREEPORT-MCMORAN INCCOM USD0.10 53,085 53,085
ISHARES RUSSELL 2000ETF 74,908 74,908
ISHARES TR 7-10 YR TRSY BD 272,524 272,524
ISHARES TR PFD AND INCM SEC 64,802 64,802
ISHARES TR RUS 1000 GRW ETF 209,302 209,302
ISHARES TRUST CORE MSCI EAFE ETF 249,977 249,977
KAYNE ANDERSON ENERGY INFRSTR COM 92,753 92,753
KEURIG DR PEPPER INCCOM 54,526 54,526
LOCKHEED MARTIN CORPCOM USD1.00 92,936 92,936
MERCK &CO. INC COM 99,849 99,849
MFS GROWTH FUND CLASS I 268,458 268,458
NATIONAL GRID SPON ADR EACH REP 5 ORD SHS POST SPLT 62,332 62,332
NBT BANCORP INC COM 44,490 44,490
NUVEEN PFD &INCOME OPPORTUNIT COM 51,686 51,686
NUVEEN TAXABLE MUNICPAL INM FD COM 90,423 90,423
PATHFINDER BANCORP INC (MARYLAND) 46,311 46,311
PFIZER INC 65,980 65,980
ROYCE SMALL CAP TRUST INC COM 26,269 26,269
SIEMENS AG SPON ADR EACH REP 0.5 ORD SHS 83,970 83,970
SIRIUSXM HOLDINGS INC COMMON STOCK 41,926 41,926
SOUTHERN CO 74,473 74,473
STATE STREET SPDR S&P 500 ETF UNITS 683,746 683,746
SUNCOR ENERGY INC NEW COM ISIN #CA8672241079 SEDOL #B3NB1P2 112,911 112,911
TRANSAMERICA BOND CLASS I 105,369 105,369
UBER TECHNOLOGIES INC COM 65,368 65,368
WALMART INC COM 176,430 176,430
WASTE MANAGEMENT INC 183,455 183,455
WATERSTONE FINANCIALINC 59,573 59,573
ZOOM COMMUNICATIONS,INC. CLASS A COMMON 86,291 86,291
BANK AMERICA CORP NON CUML PERPETL CONV PFD SER L 281,228 281,228
ISHARES CORE MSCI EAFE ETF 113,131 113,131
ISHARES CORE MSCI EMERGING MARKETS 307,831 307,831
ISHARES CORE S&P SMALL CAP ETF 115,800 115,800
ISHARES CORE S&P MID CAP ETF 135,181 135,181
JPMORGAN ACTIVE GROWTH ETF 651,356 651,356
JPMORGAN NASDAQ EQUITY PREMIUM INCOME 686,074 686,074
SPDR S&P 500 ETF 918,061 918,061
WELLS FARGO & COMPANY PERPETUAL PFD 264,347 264,347
EATON VANCE ATLANTA CAP SMID CAP CL 313,265 313,265
FIRST TRUST RISING DIVIDEND 819,716 819,716
GUGGENHEIM STRATEGIC OPPTY'S FUND COM SHS OF BEN INT 602,582 602,582
ISHARES MBS ETF 365,691 365,691
NEOS NASDAQ 100 HIGH INCOME 352,783 352,783
PIMCO DYNAMIC INCOME FUND 609,473 609,473
STATE STREET SPDR S&P 500 GROWTH 674,878 674,878
STATE STREET SPDR PORTFOLIO INTERMEDIATE TERM CORP BOND 731,428 731,428

TY 2025 InvestmentsGovtObligationsSch
Name:
THE FREDERICK B AND RAMONA E MIRABITO
 
FOUNDATION
EIN:
16-1577124
US Government Securities - End of Year Book Value:

100,806
US Government Securities - End of Year Fair Market Value:

100,806
State & Local Government Securities - End of Year Book Value:


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


0


TY 2025 InvestmentsOtherSchedule2
Name:
THE FREDERICK B AND RAMONA E MIRABITO
 
FOUNDATION
EIN:
16-1577124
Category/ Item Listed at Cost or FMV Book Value End of Year Fair Market Value
CAPITAL ONE NATL ASSN VA CD 4.95000% 11/09/2026 FMV 50,567 50,567
MORGAN STANLEY BK N A CD 4.90000% 05/17/2027 FMV 50,848 50,848
MORGAN STANLEY PRIVATE BK NATL CD 4.90000% 04/17/2026 FMV 100,299 100,299
SALLIE MAE BK MURRAYUTAH CD 4.80000% 07/27/2026 FMV 50,314 50,314
SYNCHRONY BANK CD 4.35000% 10/07/2027 FMV 40,449 40,449

TY 2025 OtherAssetsSchedule
Name:
THE FREDERICK B AND RAMONA E MIRABITO
 
FOUNDATION
EIN:
16-1577124
Description Beginning of Year - Book Value End of Year - Book Value End of Year - Fair Market Value
ACCRUED EARNINGS 14,507 16,426 16,426


TY 2025 OtherExpensesSchedule
Name:
THE FREDERICK B AND RAMONA E MIRABITO
 
FOUNDATION
EIN:
16-1577124
Description Revenue and Expenses per Books Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
OFFICE EXPENSES, POSTAGE AND MAILING 2,504 1,252   1,252
INSURANCE 682 341   341


TY 2025 OtherIncreasesSchedule
Name:
THE FREDERICK B AND RAMONA E MIRABITO
 
FOUNDATION
EIN:
16-1577124
Description Amount
SECTION 481(A) ADJUSTMENT 1,185,468
UNREALIZED GAINS CURRENT YEAR 996,695


TY 2025 OtherProfessionalFeesSchedule
Name:
THE FREDERICK B AND RAMONA E MIRABITO
 
FOUNDATION
EIN:
16-1577124
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
INVESTMENT FEES 94,779 94,779   0


TY 2025 TaxesSchedule
Name:
THE FREDERICK B AND RAMONA E MIRABITO
 
FOUNDATION
EIN:
16-1577124
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
FOREIGN TAXES 2,572 0   0
EXCISE TAXES 10,665 0   0
STATE FILING FEES 750 0   0