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
VERA Z DWYER CHARITABLE TRUST UAD 121920
 
Number and street (or P.O. box number if mail is not delivered to street address) 4045 EDISON LAKES PARKWAY
  Room/suite
City or town
MISHAWAKA
State or province
IN
Country  
ZIP or foreign postal code
46545
A Employer identification number

20-8042109
B Telephone number (see instructions)

5742713400
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)$8,484,514J 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 20,547 20,547  
4 Dividends and interest from securities... 205,358 205,358  
5a Gross rents............      
b Net rental income or (loss)  
6a Net gain or (loss) from sale of assets not on line 10 1,075,959
b Gross sales price for all assets on line 6a 2,667,288
7 Capital gain net income (from Part IV, line 2)... 1,075,959
8 Net short-term capital gain......... 0
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........ 1,301,864 1,301,864  
Operating and Administrative Expenses 13 Compensation of officers, directors, trustees, etc.        
14 Other employee salaries and wages......   0 0 0
15 Pension plans, employee benefits.......   0 0  
16a Legal fees (attach schedule).........       0
b Accounting fees (attach schedule)....... Click to see attachment
List of Attached Documents:
// Content
1,010 1,010 0 0
c Other professional fees (attach schedule).... Click to see attachment
List of Attached Documents:
// Content
101,411 101,411   0
17 Interest...............       0
18 Taxes (attach schedule) (see instructions)... Click to see attachment
List of Attached Documents:
// Content
31,368 4,367   0
19 Depreciation (attach schedule) and depletion... 0 0  
20 Occupancy..............        
21 Travel, conferences, and meetings.......   0 0  
22 Printing and publications..........   0 0  
23 Other expenses (attach schedule).......        
24 Total operating and administrative expenses.
Add lines 13 through 23.......... 133,789 106,788 0 0
25 Contributions, gifts, grants paid....... 2,599,209 2,599,209
26 Total expenses and disbursements. Add lines 24 and 25 ................ 2,732,998 106,788 0 2,599,209
27 Subtract line 26 from line 12:
a Excess of revenue over expenses and disbursements -1,431,134
b Net investment income (if negative, enter -0-) 1,195,076
c Adjusted net income (if negative, enter -0-)... 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.............      
2 Savings and temporary cash investments......... 453,078 156,495 156,495
3 Accounts receivable  
Less: allowance for doubtful accounts     0 0
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 0      
8 Inventories for sale or use..............      
9 Prepaid expenses and deferred charges..........      
10a Investments—U.S. and state government obligations (attach schedule)      
b Investments—corporate stock (attach schedule)....... 5,815,003 Click to see attachment
List of Attached Documents:
// Content
4,693,502 		8,328,019
c Investments—corporate bonds (attach schedule).......      
11 Investments—land, buildings, and equipment: basis  
Less: accumulated depreciation (attach schedule)        
12 Investments—mortgage loans.............      
13 Investments—other (attach schedule)..........     0
14 Land, buildings, and equipment: basis  
Less: accumulated depreciation (attach schedule)        
15 Other assets (describe )      
16 Total assets (to be completed by all filers—see the
instructions. Also, see page 1, item I) 6,268,081 4,849,997 8,484,514
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 )    
23 Total liabilities (add lines 17 through 22).........   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...........    
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........ 6,268,081 4,849,997
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)..... 6,268,081 4,849,997
30 Total liabilities and net assets/fund balances (see instructions). 6,268,081 4,849,997
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
6,268,081
2
Enter amount from Part I, line 27a .....................
2
-1,431,134
3
Other increases not included in line 2 (itemize) Click to see attachment
List of Attached Documents:
// Content
3
13,050
4
Add lines 1, 2, and 3 ..........................
4
4,849,997
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
4,849,997
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 1420.354 VANGUARD LARGE CAP INDEX ADMIRAL     2025-01-28
b 41.459 AMERICAN BEACON INTL EQUITY INSTL   2023-12-22 2025-02-14
c 46.285 AMERICAN BEACON SMALL CP VALUE   2023-12-22 2025-02-14
d 98.296 BLACKROCK HIGH YIELD BOND INSTL     2025-02-14
e 219.779 DODGE & COX INCOME   2019-03-27 2025-02-14
52.885 FIDELITY INTERNATIONAL INDEX FUND   2023-12-11 2025-02-14
86.216 PIMCO FOREIGN BOND USD HEDGED   2014-01-10 2025-02-14
48.053 RUSSELL INV EMERGING MARKETS   2011-12-27 2025-02-14
36.806 RUSSELL INV GLOBAL REAL ESTATE   2010-04-24 2025-02-14
154.263 RUSSELL INV INVESTMENT GRADE BOND S   2014-01-10 2025-02-14
9.312 VANGUARD EXPLORER ADM     2025-02-14
216.654 VANGUARD DEVELOPED MARKETS INDEX ADMIRAL   2023-12-18 2025-02-14
59.66 VANGUARD ULTRA-SHORT TERM BOND ADMIRAL     2025-02-14
44.86 VANGUARD INFLATION PROTECTED SEC ADM   2017-06-16 2025-02-14
27.022 VANGUARD EMERGING MTKS INDEX ADMIRAL   2020-10-22 2025-02-14
171.129 VANGUARD LARGE CAP INDEX ADMIRAL   2017-01-18 2025-02-14
27.715 VANGUARD SMALL-CAP INDEX ADMIRAL   2023-12-21 2025-02-14
11.817 VOYA MULTI MANAGER INTL SMALL CAP W   2023-12-13 2025-02-14
724.9 VANGUARD LARGE CAP INDEX ADMIRAL     2025-05-20
805.918 AMERICAN BEACON INTL EQUITY INSTL     2025-06-25
902.828 AMERICAN BEACON SMALL CP VALUE     2025-06-25
1948.589 BLACKROCK HIGH YIELD BOND INSTL     2025-06-25
4357.223 DODGE & COX INCOME     2025-06-25
1028.44 FIDELITY INTERNATIONAL INDEX FUND     2025-06-25
1691.205 PIMCO FOREIGN BOND USD HEDGED   2014-01-10 2025-06-25
933.559 RUSSELL INV EMERGING MARKETS     2025-06-25
728.496 RUSSELL INV GLOBAL REAL ESTATE   2010-04-24 2025-06-25
3034.689 RUSSELL INV INVESTMENT GRADE BOND S     2025-06-25
181.382 VANGUARD EXPLORER ADM     2025-06-25
4223.637 VANGUARD DEVELOPED MARKETS INDEX ADMIRAL     2025-06-25
1174.048 VANGUARD ULTRA-SHORT TERM BOND ADMIRAL     2025-06-25
871.982 VANGUARD INFLATION PROTECTED SEC ADM     2025-06-25
251.929 VANGUARD EUROPEAN STOCK INDEX ADMIRAL     2025-06-25
526.148 VANGUARD EMERGING MTKS INDEX ADMIRAL   2020-10-22 2025-06-25
3248.534 VANGUARD LARGE CAP INDEX ADMIRAL     2025-06-25
544.436 VANGUARD SMALL-CAP INDEX ADMIRAL     2025-06-25
228.961 VOYA MULTI MANAGER INTL SMALL CAP W     2025-06-25
225.033 AMERICAN BEACON INTL EQUITY INSTL   2018-12-21 2025-09-12
253.881 AMERICAN BEACON SMALL CP VALUE   2022-12-23 2025-09-12
556.048 BLACKROCK HIGH YIELD BOND INSTL     2025-09-12
1221.928 DODGE & COX INCOME   2014-01-10 2025-09-12
287.632 FIDELITY INTERNATIONAL INDEX FUND   2012-09-12 2025-09-12
479.554 PIMCO FOREIGN BOND USD HEDGED   2014-01-10 2025-09-12
260.916 RUSSELL INV EMERGING MARKETS   2016-12-20 2025-09-12
202.319 RUSSELL INV GLOBAL REAL ESTATE   2010-04-24 2025-09-12
860.019 RUSSELL INV INVESTMENT GRADE BOND S     2025-09-12
50.924 VANGUARD EXPLORER ADM   2014-01-10 2025-09-12
1193.139 VANGUARD DEVELOPED MARKETS INDEX ADMIRAL   2020-10-22 2025-09-12
332.675 VANGUARD ULTRA-SHORT TERM BOND ADMIRAL     2025-09-12
247.467 VANGUARD INFLATION PROTECTED SEC ADM     2025-09-12
70.384 VANGUARD EUROPEAN STOCK INDEX ADMIRAL   2025-01-28 2025-09-12
147.822 VANGUARD EMERGING MTKS INDEX ADMIRAL   2020-10-22 2025-09-12
912.639 VANGUARD LARGE CAP INDEX ADMIRAL     2025-09-12
152.783 VANGUARD SMALL-CAP INDEX ADMIRAL     2025-09-12
64.116 VOYA MULTI MANAGER INTL SMALL CAP W   2010-04-24 2025-09-12
785.791 AMERICAN BEACON SMALL CP VALUE     2025-12-30
3867.339 AMERICAN BEACON SMALL CP VALUE     2025-12-30
273.061 FIDELITY INTERNATIONAL INDEX FUND   2025-12-22 2025-12-30
1202.833 FIDELITY INTERNATIONAL INDEX FUND     2025-12-30
494.071 RUSSELL INV GLOBAL REAL ESTATE   2010-04-24 2025-12-30
220.331 VANGUARD EXPLORER ADM     2025-12-30
616.256 VANGUARD EXPLORER ADM     2025-12-30
1282.168 VANGUARD DEVELOPED MARKETS INDEX ADMIRAL     2025-12-30
3184.333 VANGUARD DEVELOPED MARKETS INDEX ADMIRAL     2025-12-30
337.535 VANGUARD LARGE CAP INDEX ADMIRAL     2025-12-30
2160.591 VANGUARD LARGE CAP INDEX ADMIRAL     2025-12-30
66.92 VANGUARD SMALL-CAP INDEX ADMIRAL     2025-12-30
1134.907 VANGUARD SMALL-CAP INDEX ADMIRAL     2025-12-30
127.363 VOYA MULTI MANAGER INTL SMALL CAP W     2025-12-30
177.051 VOYA MULTI MANAGER INTL SMALL CAP W     2025-12-30
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN DIVIDENDS P    
CAPITAL GAIN 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 200,000   84,721 115,279
b 676   749 -73
c 1,160   1,148 12
d 704   767 -63
e 2,754   2,996 -242
2,726   2,397 329
858   910 -52
810   783 27
1,093   1,284 -191
2,789   3,359 -570
1,027   942 85
3,586   3,243 343
1,197   1,191 6
1,029   1,155 -126
1,025   1,015 10
24,321   8,984 15,337
3,294   2,776 518
951   813 138
100,000   46,963 53,037
14,466   13,934 532
20,837   21,450 -613
13,952   15,139 -1,187
54,814   59,347 -4,533
57,737   40,156 17,581
16,794   17,859 -1,065
17,243   15,149 2,094
21,862   25,417 -3,555
55,474   65,813 -10,339
18,853   17,552 1,301
75,857   58,733 17,124
23,598   23,387 211
20,404   22,330 -1,926
23,933   21,558 2,375
21,393   19,767 1,626
460,740   166,240 294,500
60,988   30,475 30,513
21,055   11,021 10,034
4,280   3,565 715
6,471   5,634 837
4,037   4,283 -246
15,885   16,643 -758
17,143   9,545 7,598
4,762   5,064 -302
5,284   4,094 1,190
6,250   7,059 -809
15,996   18,417 -2,421
5,709   4,909 800
22,932   15,905 7,027
6,693   6,635 58
5,895   6,204 -309
6,979   5,914 1,065
6,560   5,554 1,006
140,008   56,254 83,754
18,702   9,370 9,332
6,414   2,685 3,729
18,576   18,765 -189
91,424   79,124 12,300
16,651   16,471 180
73,349   43,889 29,460
15,000   17,238 -2,238
23,703   23,766 -63
66,297   55,343 10,954
25,836   24,041 1,795
64,164   44,038 20,126
54,046   49,229 4,817
345,954   128,067 217,887
8,352   7,815 537
141,648   63,129 78,519
12,552   12,254 298
17,448   8,903 8,545
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
      42,288
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       115,279
b       -73
c       12
d       -63
e       -242
      329
      -52
      27
      -191
      -570
      85
      343
      6
      -126
      10
      15,337
      518
      138
      53,037
      532
      -613
      -1,187
      -4,533
      17,581
      -1,065
      2,094
      -3,555
      -10,339
      1,301
      17,124
      211
      -1,926
      2,375
      1,626
      294,500
      30,513
      10,034
      715
      837
      -246
      -758
      7,598
      -302
      1,190
      -809
      -2,421
      800
      7,027
      58
      -309
      1,065
      1,006
      83,754
      9,332
      3,729
      -189
      12,300
      180
      29,460
      -2,238
      -63
      10,954
      1,795
      20,126
      4,817
      217,887
      537
      78,519
      298
      8,545
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
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 1,075,959
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 16,612
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 16,612
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 16,612
6 Credits/Payments:
a 2025 estimated tax payments and 2024 overpayment credited to 2025 6a 15,704
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  
7 Total credits and payments. Add lines 6a through 6d.............. 7 15,704
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....... 9 908
10 Overpayment. If line 7 is more than the total of lines 5 and 8, enter the amount overpaid... 10  
11 Enter the amount of line 10 to be: Credited to 2026 estimated tax0 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. $   (2) On foundation managers.$  
e
Enter the reimbursement (if any) paid by the foundation during the year for political expenditure tax imposed
on foundation managers.$  
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
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 XIV..................................
7
Yes
 
8a
Enter the states to which the foundation reports or with which it is registered (see instructions)
IN
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 address  
14
The books are in care ofDAVID KIBBE, C/O INDIANA TRUST & Telephone no. (574) 271-3400

Located at4045 EDISON LAKES PARKWAYMISHAWAKAIN ZIP+446545
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
DAVID R KIBBE ADVISORY COMMITTEE
5 		0    
4045 EDISON LAKES PARKWAY
MISHAWAKA,IN46545
JAMES P WELSH ADVISORY COMMITTEE
02 		0    
4045 EDISON LAKES PARKWAY
MISHAWAKA,IN46545
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.........................  
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
9,132,250
b
Average of monthly cash balances.......................
1b
137,614
c
Fair market value of all other assets (see instructions)................
1c
0
d
Total (add lines 1a, 1b, and 1c).......................
1d
9,269,864
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
9,269,864
4
Cash deemed held for charitable activities. Enter 1.5% (0.015) of line 3 (for greater amount, see
instructions) .............................
4
139,048
5
Net value of noncharitable-use assets. Subtract line 4 from line 3. ............
5
9,130,816
6
Minimum investment return. Enter 5% (0.05) of line 5 ................
6
456,541
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
456,541
2a
Tax on investment income for 2025 from Part V, line 5 .......
2a
16,612
b
Income tax for 2025. (This does not include the tax from Part V.) ...
2b
 
c
Add lines 2a and 2b............................
2c
16,612
3
Distributable amount before adjustments. Subtract line 2c from line 1............
3
439,929
4
Recoveries of amounts treated as qualifying distributions................
4
0
5
Add lines 3 and 4............................
5
439,929
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
439,929
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
2,599,209
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
0
3
Amounts set aside for specific charitable projects that satisfy the:
a
Suitability test (prior IRS approval required)....................
3a
0
b
Cash distribution test (attach the required schedule) .................
3b
0
4
Qualifying distributions. Add lines 1a through 3b. Enter here and on Part XII, line 4. .......
4
2,599,209
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 7 439,929
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...... 843,197
b From 2021...... 631,439
c From 2022...... 849,466
d From 2023...... 887,547
e From 2024...... 2,250,259
f Total of lines 3a through e ........ 5,461,908
4Qualifying distributions for 2025 from Part
XI, line 4: $ 2,599,209
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..... 439,929
e Remaining amount distributed out of corpus 2,159,280
5 Excess distributions carryover applied to 2025. 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 7,621,188
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) ... 		843,197
9 Excess distributions carryover to 2026.
Subtract lines 7 and 8 from line 6a ...... 		6,777,991
10 Analysis of line 9:
a Excess from 2021 .... 631,439
b Excess from 2022 .... 849,466
c Excess from 2023 .... 887,547
d Excess from 2024 .... 2,250,259
e Excess from 2025 .... 2,159,280
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

HOPE MINISTRIES

PO BOX 4488
SOUTH BEND,IN46634 		NONE   GIFT 150,000

LOGAN

PO BOX 1049
SOUTH BEND,IN46624 		NONE   GIFT 125,000

UNITY FOUNDATION OF LAPORTE COUNTY

422 FRANKLIN STREET SUITE C
MICHIGAN CITY,IN46360 		NONE   GIFT 50,000

CULTIVATE FOOD RESCUE

1403 PRAIRIE AVE
SOUTH BEND,IN46613 		NONE   GIFT 167,000

BOYS & GIRLS CLUBS OF ST JOSEPH COUNTY

502 E SAMPLE STREET
SOUTH BEND,IN46601 		NONE   GIFT 15,000

FOREVER LEARNING INSTITUTE

54191 IRONWOOD ROAD
SOUTH BEND,IN46635 		NONE   GIFT 10,000

DUSTINS PLACE

11802 LINCOLN HIGHWAY
PLYMOUTH,IN46563 		NONE   GIFT 150,000

LoveWay Inc

54151 CO ROAD 33
Middlebury,IN46540 		NONE   GENERAL PURPOSE 20,000

HOSPICE FOUNDATION

501 COMFORT PLACE
MISHAWAKA,IN46545 		NONE   GIFT 122,543

HABITAT FOR HUMANITY OF
ST JOSEPH COUNTY
402 E SOUTH ST
SOUTH BEND,IN46601 		NONE   GIFT 50,000

RONALD MCDONALD HOUSE
SOUTH BEND MEMORIAL HOSPITAL
610 N MICHIGAN ST STE 310
SOUTH BEND,IN46601 		NONE   GIFT 13,000

INDIANA UNIVERSITY FOUNDATION

210 E KIRKWOOD
BLOOMINGTON,IN47408 		NONE   GIFT 1,000,000

OAKLAWN FOUNDATION

330 LAKEVIEW DRIVE
GOSHEN,IN46528 		NONE   GIFT 176,666

A ROSIE PLACE FOR CHILDREN

53131 QUINCE ROAD
SOUTH BEND,IN46628 		NONE   GIFT 550,000
Total ................................. 3a 2,599,209
bApproved for future payment
Total ................................. 3b  
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 ........... 		    14 20,547  
4 Dividends and interest from securities ....     14 205,358  
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 1,075,959  
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) ..   1,301,864  
13Total. Add line 12, columns (b), (d), and (e)..................
13
1,301,864
(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.)
4 NOT APPLICABLE
7 NOT APPLICABLE
8 NOT APPLICABLE
3 NOT APPLICABLE
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
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Form 990-PF (2025)
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Form 990PF - Special Condition Description:
Special Condition Description

TY 2025 AccountingFeesSchedule
Name:
VERA Z DWYER CHARITABLE TRUST UAD 121920
EIN:
20-8042109
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
TAX PREPARATION FEE (NON-ALLOC 1,010 1,010    

TY 2025 InvestmentsCorpStockSchedule
Name:
VERA Z DWYER CHARITABLE TRUST UAD 121920
EIN:
20-8042109
Name of Stock End of Year Book Value End of Year Fair Market Value
BLACKROCK HIGH YIELD BOND INST 124,066 122,670
DODGE & COX INCOME 476,955 480,388
PIMCO FOREIGN BOND (USD-HEDGED 148,884 143,999
RUSSELL INV INVESTMENT GRADE B 538,218 481,745
VANGUARD INFLATION PROTECTED S 188,753 175,876
RUSSELL INV GLOBAL REAL ESTATE 180,437 170,510
AMERICAN BEACON INTL EQUITY IN 120,490 137,830
AMERICAN BEACON SMALL CP VALUE 69,343 84,874
FIDELITY INTERNATIONAL INDEX 244,464 449,266
RUSSELL INV EMERGING MARKETS 117,463 167,830
VANGUARD DEVELOPED MARKETS IND 396,539 641,058
VANGUARD EXPLORER ADM 62,618 83,549
VANGUARD LARGE CAP INDEX ADMIR 1,221,894 3,973,490
VANGUARD SMALL-CAP INDEX ADMIR 180,251 415,277
VOYA MULTI MANAGER INT'L SMALL 72,638 170,945
VANGUARD ULTRA-SHORT TERM BOND 201,707 203,345
VANGUARD EMERGING MTKS INDEX A 169,512 203,022
VANGUARD EUROPEAN STOCK INDEX 179,270 222,345

TY 2025 OtherIncreasesSchedule
Name:
VERA Z DWYER CHARITABLE TRUST UAD 121920
EIN:
20-8042109
Description Amount
PRIOR PERIOD ACCRUALS & ADJUSTMENTS 13,050


TY 2025 OtherProfessionalFeesSchedule
Name:
VERA Z DWYER CHARITABLE TRUST UAD 121920
EIN:
20-8042109
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
TRUSTEE/EXECUTOR FEES-PRINCIPA 101,411 101,411    


TY 2025 TaxesSchedule
Name:
VERA Z DWYER CHARITABLE TRUST UAD 121920
EIN:
20-8042109
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
FEDERAL TAX PAYMENT - PRIOR YE 11,297 0   0
FEDERAL ESTIMATES - PRINCIPAL 15,704 0   0
FOREIGN TAXES ON QUALIFIED FOR 3,095 3,095   0
FOREIGN TAXES ON NONQUALIFIED 1,272 1,272   0