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
CREAMER FAMILY FOUNDATION INC (FKA
J FLETCHER CREAMER FOUNDATION)
Number and street (or P.O. box number if mail is not delivered to street address) 20 HARRISON AVENUE
  Room/suite
City or town
WALDWICK
State or province
NJ
Country  
ZIP or foreign postal code
07463
A Employer identification number

22-2335557
B Telephone number (see instructions)

2018831018
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)$9,895,471J 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 9,132 6,402  
4 Dividends and interest from securities... 186,553 184,771  
5a Gross rents............      
b Net rental income or (loss)  
6a Net gain or (loss) from sale of assets not on line 10 -5,526
b Gross sales price for all assets on line 6a 231,989
7 Capital gain net income (from Part IV, line 2)... 0
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........ 190,159 191,173  
Operating and Administrative Expenses 13 Compensation of officers, directors, trustees, etc. 0 0   0
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
9,500 4,750   4,750
c Other professional fees (attach schedule)....        
17 Interest...............        
18 Taxes (attach schedule) (see instructions)... Click to see attachment
List of Attached Documents:
// Content
3,623 964   0
19 Depreciation (attach schedule) and depletion...      
20 Occupancy..............        
21 Travel, conferences, and meetings.......        
22 Printing and publications..........        
23 Other expenses (attach schedule)....... Click to see attachment
List of Attached Documents:
// Content
11,898 11,867   31
24 Total operating and administrative expenses.
Add lines 13 through 23.......... 25,021 17,581   4,781
25 Contributions, gifts, grants paid....... 361,904 361,904
26 Total expenses and disbursements. Add lines 24 and 25 ................ 386,925 17,581   366,685
27 Subtract line 26 from line 12:
a Excess of revenue over expenses and disbursements -196,766
b Net investment income (if negative, enter -0-) 173,592
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............. 138,991 69,456 69,456
2 Savings and temporary cash investments......... 458,117 19,069 19,069
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)      
b Investments—corporate stock (attach schedule)....... 3,891,867 Click to see attachment
List of Attached Documents:
// Content
4,152,517 		9,707,456
c Investments—corporate bonds (attach schedule)....... 50,287 0 0
11 Investments—land, buildings, and equipment: basis  
Less: accumulated depreciation (attach schedule)        
12 Investments—mortgage loans.............      
13 Investments—other (attach schedule).......... 0 Click to see attachment
List of Attached Documents:
// Content
99,490 		99,490
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) 4,539,262 4,340,532 9,895,471
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 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........... 4,539,262 4,340,532
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)..... 4,539,262 4,340,532
30 Total liabilities and net assets/fund balances (see instructions). 4,539,262 4,340,532
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
4,539,262
2
Enter amount from Part I, line 27a .....................
2
-196,766
3
Other increases not included in line 2 (itemize)
3
0
4
Add lines 1, 2, and 3 ..........................
4
4,342,496
5
Decreases not included in line 2 (itemize) Click to see attachment
List of Attached Documents:
// Content
5
1,964
6
Total net assets or fund balances at end of year (line 4 minus line 5)—Part II, line 29, column (b) ..
6
4,340,532
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 MORGAN STANLEY #1102-242 (DETAILS AVAILABLE UPON REQUEST) P   2025-12-31
b CAPITAL GAINS DIVIDENDS P    
c
d
e
(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 230,511   237,515 -7,004
b 1,478     1,478
c
d
e
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       -7,004
b       1,478
c
d
e
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 -5,526
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 2,413
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 2,413
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 2,413
6 Credits/Payments:
a 2025 estimated tax payments and 2024 overpayment credited to 2025 6a 2,440
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 2,440
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  
10 Overpayment. If line 7 is more than the total of lines 5 and 8, enter the amount overpaid... 10 27
11 Enter the amount of line 10 to be: Credited to 2026 estimated tax27 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
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)
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 .Click to see attachment
List of Attached Documents:
// Content
8b
 
No
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 ofCREAMER FAMILY FOUNDATION INC Telephone no. (201) 883-1018

Located at20 HARRISON AVEWALDWICKNJ ZIP+407463
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
GLENN L CREAMER TRUSTEE P/T
0.00 		0 0 0
20 HARRISON AVENUE
WALDWICK,NJ07463
J FLETCHER CREAMER JR TRUSTEE P/T
0.00 		0 0 0
20 HARRISON AVENUE
WALDWICK,NJ07463
DALE A CREAMER TRUSTEE P/T
0.00 		0 0 0
20 HARRISON AVENUE
WALDWICK,NJ07463
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
9,109,341
b
Average of monthly cash balances.......................
1b
198,037
c
Fair market value of all other assets (see instructions)................
1c
0
d
Total (add lines 1a, 1b, and 1c).......................
1d
9,307,378
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
9,307,378
4
Cash deemed held for charitable activities. Enter 1.5% (0.015) of line 3 (for greater amount, see
instructions) .............................
4
139,611
5
Net value of noncharitable-use assets. Subtract line 4 from line 3. ............
5
9,167,767
6
Minimum investment return. Enter 5% (0.05) of line 5 ................
6
458,388
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
458,388
2a
Tax on investment income for 2025 from Part V, line 5 .......
2a
2,413
b
Income tax for 2025. (This does not include the tax from Part V.) ...
2b
 
c
Add lines 2a and 2b............................
2c
2,413
3
Distributable amount before adjustments. Subtract line 2c from line 1............
3
455,975
4
Recoveries of amounts treated as qualifying distributions................
4
0
5
Add lines 3 and 4............................
5
455,975
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
455,975
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
366,685
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
366,685
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 7 455,975
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...... 264,080
b From 2021......  
c From 2022...... 170,287
d From 2023......  
e From 2024...... 114,773
f Total of lines 3a through e ........ 549,140
4Qualifying distributions for 2025 from Part
XI, line 4: $ 366,685
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..... 366,685
e Remaining amount distributed out of corpus 0
5 Excess distributions carryover applied to 2025. 89,290 89,290
(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 5 459,850
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) ... 		174,790
9 Excess distributions carryover to 2026.
Subtract lines 7 and 8 from line 6a ...... 		285,060
10 Analysis of line 9:
a Excess from 2021 ....  
b Excess from 2022 .... 170,287
c Excess from 2023 ....  
d Excess from 2024 .... 114,773
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 e-mail address of the person to whom applications should be addressed:
J FLETCHER CREAMER JR TRUSTEE
20 HARRISON AVENUE
WALDWICK,NJ07463
(201) 883-1018
bThe form in which applications should be submitted and information and materials they should include:
NO SPECIAL FORM REQUIRED
cAny submission deadlines:
NONE
dAny restrictions or limitations on awards, such as by geographical areas, charitable fields, kinds of institutions, or other
factors:
LIMITED ONLY BY THE PROVISIONS OF THE IRC
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

AMERICAN CANCER SOCIETY

PO BOX 6704
HAGERSTOWN,MD21741 		NONE   CHARITABLE 250

BERGEN COUNTY POLICE CHIEFS ASSOCIATION

340 FRANKLIN AVE
WYCKOFF,NJ07481 		NONE   CHARITABLE 2,500

BETHANY CHURCH

568 WELLINGTON DRIVE
WYCKOFF,NJ07481 		NONE   CHARITABLE 100,000

BLADDER CANCER ADVOCACY NETWORK

4915 ST ELMO AVENUE
BETHESDA,MD20814 		NONE   CHARITABLE 100

CHURCH OF THE MADONNA

340 MAIN STREET
FORT LEE,NJ07024 		NONE   CHARITABLE 750

CIANJ

365 WEST PASSAIC STREET SUTIE 490
ROCHELLE PARK,NJ07662 		NONE   CHARITABLE 4,250

ERIC LAPORTA

3 VAN PLACE
WALDWICK,NJ07662 		NONE   CHARITABLE 1,000

EVA'S VILLAGE

393 MAIN STREET
PATERSON,NJ07501 		NONE   CHARITABLE 3,000

FELICIAN UNIVERSITY

ONE FELICIAN WAY
RUTHERFORD,NJ07070 		NONE   CHARITABLE 9,000

HIGH FIVES FOUNDATION

10775 PIONEER TRAIL SUITE 108
TRUCKEE,CA96161 		NONE   CHARITABLE 1,073

HMH FOUNDATION

343 THORNALL STREET 7TH FLOOR
EDISON,NJ08817 		NONE   CHARITABLE 15,500

HNMC FOUNDATION

718 TEANECK ROAD
TEANECK,NJ07666 		NONE   CHARITABLE 200,000

JT WALSH

73 SAMARA DRIVE
SHREWSBURY,NJ07702 		NONE   CHARITABLE 500

LINCOLN PARK PAL

PO BOX 391
LINCON PARK,NJ07035 		NONE   CHARITABLE 1,500

MEADOWLANDS 2040 FOUNDATION

1099 WALL STREET WEST STE 100
LYNDHURST,NJ07071 		NONE   CHARITABLE 3,105

MEADOWLANDS AREA YMCA

PO BOX 252
RUTHERFORD,NJ07070 		NONE   CHARITABLE 5,000

MEADOWLANDS REGIONAL CHAMBER OF COMMERCE

1099 WALL STREET WEST STE 100
LYNDHURST,NJ07071 		NONE   CHARITABLE 776

MEALS ON WHEELS

32 PASCACK ROAD 2ND FLOOR
WOODCLIFF LAKE,NJ07677 		NONE   CHARITABLE 200

MERCURIO GIOFFRE

465 ELM STREET
RIVER EDGE,NJ07661 		NONE   CHARITABLE 300

MLF FOUNDATION

169 KAYWIN ROAD
PARAMUS,NJ07652 		NONE   CHARITABLE 250

NEW HOPE INC

149 THIRD AVENUE
WESTWOOD,NJ07675 		NONE   CHARITABLE 650

NEW JERSEY HALL OF FAME

1037 RAYMOND BOULEVARD SUITE 340
NEWARK,NJ07102 		NONE   CHARITABLE 2,500

NJ CENTER FOR TOURETTE SYNDROME

50 DIVISION ST STE 205
SOMMERVILLE,NJ08876 		NONE   CHARITABLE 1,000

PK PTA

103 PARADISE ROAD
OAK RIDGE,NJ07438 		NONE   CHARITABLE 200

SAVINI

168 WEST CRESCENT AVE
ALLENDALE,NJ07401 		NONE   CHARITABLE 1,000

ST BENEDICT'S PREP

520 DR MARTING LUTHER KING JR
NEWARK,NJ07102 		NONE   CHARITABLE 250

ST JUDE CHILDRENS RESEARCH HOSPITAL

PO BOX 1000 DEBT 142
MEMPHIS,TN38148 		NONE   CHARITABLE 250

ST LUKE'S CORNWALL

70 DUBOIS ST
NEWBURGH,NY12550 		NONE   CHARITABLE 300

THE 200 CLUB OF BERGEN COUNTY

560 HUDSON STREET
HACKENSACK,NJ07601 		NONE   CHARITABLE 5,300

TK SCHOLARSHIP FUND

10 PONDS WAY
OAKLAND,NJ07436 		NONE   CHARITABLE 1,000

WALDWICK FIRE DEPARTMENT

PO BOX 202
WALDWICK,NJ07463 		NONE   CHARITABLE 100

WALDWICK VOLUNTEER AMBULANCE

PO BOX 244
WALDWICH,NJ07463 		NONE   CHARITABLE 100

WIG WARRIORS

12 WHITE ST
RED BANK,NJ07701 		NONE   CHARITABLE 200
Total ................................. 3a 361,904
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 ........... 		    14 9,132  
4 Dividends and interest from securities ....     14 186,553  
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 -5,526  
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) .. 0 190,159 0
13Total. Add line 12, columns (b), (d), and (e)..................
13
190,159
(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:
CREAMER FAMILY FOUNDATION INC (FKA
 
J FLETCHER CREAMER FOUNDATION)
EIN:
22-2335557
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
ACCOUNTING FEES 9,500 4,750   4,750

TY 2025 ExplnOfNonFilingWithAGStmt
Name:
CREAMER FAMILY FOUNDATION INC (FKA
 
J FLETCHER CREAMER FOUNDATION)
EIN:
22-2335557
Statement:
THE STATE OF NEW JERSEY, OFFICE OF THE ATTORNEY GENERAL, NO LONGER REQUIRES A FOUNDATION WHICH RECEIVED CHARITABLE CONTRIBUTIONS ONLY FROM THE FOUNDER AND RELATED ENTITES TO REGISTER. THEREFORE NJ DOES NOT REQUIRE SUBMISSION OF THE FEDERAL FORM 990PF.

TY 2025 InvestmentsCorpStockSchedule
Name:
CREAMER FAMILY FOUNDATION INC (FKA
 
J FLETCHER CREAMER FOUNDATION)
EIN:
22-2335557
Name of Stock End of Year Book Value End of Year Fair Market Value
ABBOTT LABS 5,977 11,026
ABBVIE INC COM 6,600 18,508
ACCENTURE PLC 5,294 8,854
ADOBE INC 5,544 7,700
AIR PRODUCT & CHEM 4,405 6,670
ALIBABA GROUP HOLDINGS LT 4,016 3,225
ALLSTATE CORP 5.100 H 1,063 900
ALPHABET INC CL A 6,171 31,300
ALPHABET INC CL C 6,084 31,380
AMAZON COM INC 17,193 41,548
AMER EXPRESS COMPANY 5,217 15,538
AMERICAN EXPRESS 352,473 1,507,380
AMGEN INC 6,036 9,492
ANALOG DEVICES INC 2,196 6,238
APPLE INC 14,851 76,121
ASTRAZENECA PLC 3,217 7,079
AT&T 4,432 4,496
ATLASSIAN CORP 1,165 1,297
AUTOMATIC DATA PROC 7,609 13,119
AVALONBAY COMM 3,680 3,082
AXIS CAPITAL HLDGS LTD 946 758
BLACKROCK INC 5,143 11,774
BROADCOM LTD 3,419 48,454
CAPITAL ONE FINANCIAL CO 5%-I PRF 1,351 1,027
CARRIER GLOBAL CORP 49,981 108,074
CHARLES SCHWAB CORP 4,699 9,791
CHEVRON CORP 11,102 14,479
CHIPOTLE MEXICAN GRILL 1,826 5,550
CISCO SYSTEMS INC 12,870 22,570
CITIGROUP 176,247 368,997
CITIZENS FINCL GRP INC 1,324 1,013
CME GROUP INC 3,129 4,915
COCA COLA 87,346 147,151
COCA COLA 2,094 2,936
COLGATE PALMOLIVE 3,350 4,030
COSTAR GROUP INC 2,166 3,362
COSTCO WHOLESALE 1,935 6,036
EATON CORP 1,348 4,459
ELEVANCE HEALTH INC 5,151 6,310
ELLI LILLY & CO 5,403 47,286
EQUINIX INC 3,292 4,597
EVERSOURCE ENERGY COM 802 741
EXXON MOBIL CORP 44,031 255,781
FEDERAL RLTY INVESTMENT 236 201
FEDEX 477,853 596,815
FERRARI NV 2,857 8,869
FIDELITY NATL INFO SVCS 5,721 3,589
FIFTH THIRD BANCORP 406 384
FIRST ENERGY 64,608 96,162
FIRST TR INTERM DUR PRF&INC FD 36,195 37,280
FISERV INC 3,646 2,888
FT VEST S&P 500 DIVIDEND ARI 100,919 98,300
HOME DEPOT INC 6,543 11,699
HONEYWELL INTL INC 9,163 12,876
ILLINOIS TOOL WORKS INC 2,613 4,680
INTUIT INC 4,934 14,573
INTUIT SURGICAL INC 1,630 5,097
JOHNSON AND JOHNSON 12,702 20,281
JP MORGAN CHASE & CO 13,860 39,311
LINDE PLC REG 6,718 17,056
LINK PARKS INC 458 198
LINK PARKS INC 920 387
LOCKHEED MARTIN CORP 12,165 18,379
LOWE'S COMPANIES INC 5,363 13,264
LUCKIN COFFEE INC 2,772 2,111
LYUONDELLBASELL INDUSTRIE 1,323 520
MARSH & MCLENNAN COS INC 7,114 15,955
MASTERCARD INC 5,378 15,414
MCDONALDS CORP 5,760 11,003
MEDTRONIC PLC 7,938 8,357
MERCK & CO INC NEW COM 3,133 4,421
META PLATFORMS INC 101,318 132,018
MICROSOFT 331,581 1,959,509
MICROSOFT CORP 24,451 109,782
MONDELEZ INTERNATIONAL 9,137 10,497
MOODY'S CORP 2,753 8,684
NETFLIX INC 2,148 5,626
NEXTERA ENERGY INC 11,440 21,194
NIKE INC 4,559 3,695
NUVEEN DYNAMIC MUN CRED OPP 42,225 40,320
NVIDIA 3,220 119,360
ORGANON & CO 150 29
ORION OFFICE REIT INC 78 9
OTIS WORLDWIDE CORP 68,596 90,008
PACKAGING CORP AMERICA 4,066 8,043
PAYCHEX INC 4,533 7,180
PAYPAL HOLDING INC 4,131 2,744
PEPSICO INC 10,444 13,204
PFIZER INC 3,054 1,917
PHILIP MORRIS INTL 5,324 10,426
PHILLIPS 66 8,807 10,194
PIMCO DYNAMIC INCOME OPRNTS FD 54,789 55,360
PNC FINANCIAL SERVICES 8,772 13,776
PRINCIPAL SHORT TERM 129,615 130,828
PROCTER & GAMBLE 172,478 299,724
PROLOGIS INC 1,440 2,298
REALTY INCOME CORP 2,453 2,537
RTX CORPORATION 148,004 379,566
SALESFORCE INC 7,953 14,305
SEMPRA ENERGY 3,884 6,004
SHELL PLC 235,905 315,416
SHERWIN WILLIAMS 1,751 3,888
SIMON PPTY GROUP INC 3,033 3,147
SOLSTICE ADVANCED MATLS 548 777
STARBUCKS CORP 3,475 5,558
SVB FINL GRP TRUST UNIT 0 1
SYSCO CORPORATION 2,070 2,137
TEMPUS AI INC 14,292 11,810
TEXAS INSTRUMENTS 11,323 18,390
THERMO FISHER SCIENTIFIC 2,519 6,374
TORONTO DOM BK NEW 97,294 202,093
TRANE TECHNOLOGIES PLC 3,101 15,957
TRUIST FINANCIAL CORP 7,276 6,939
UNION PACIFIC CORP 7,078 10,872
UNITEDHEALTH GROUP INC 14,360 18,486
US BANCORP 3,976 4,002
VALERO ENERGY CORP 2,803 4,070
VALLEY NATL BANCORP 52,495 58,400
VEEVA SYS INC 1,552 3,795
VERIZON COMMUNICATIONS 1,027 774
VERIZON COMMUNICATIONS COM 474,167 456,450
VISA INC 8,114 20,341
VISTRA CORP 72,344 64,532
WALMART 219,825 1,018,608
WALT DISNEY HLDG CO 710 573
WEC ENERGY GROUP INC 7,761 12,128
WILLIAMS CO INC 30,595 30,055
WIX COM LTD 1,250 935
WORKDAY INC 2,635 3,222
ZOETIS INC 2,729 3,775

TY 2025 InvestmentsOtherSchedule2
Name:
CREAMER FAMILY FOUNDATION INC (FKA
 
J FLETCHER CREAMER FOUNDATION)
EIN:
22-2335557
Category/ Item Listed at Cost or FMV Book Value End of Year Fair Market Value
BLACKROCK LIQ TREASURY TR INST AT COST 99,490 99,490

TY 2025 OtherDecreasesSchedule
Name:
CREAMER FAMILY FOUNDATION INC (FKA
 
J FLETCHER CREAMER FOUNDATION)
EIN:
22-2335557
Description Amount
BASIS ADJUSTMENTS 1,964


TY 2025 OtherExpensesSchedule
Name:
CREAMER FAMILY FOUNDATION INC (FKA
 
J FLETCHER CREAMER FOUNDATION)
EIN:
22-2335557
Description Revenue and Expenses per Books Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
NJ FILING FEES 31 0   31
INVESTMENT FEES 11,806 11,806   0
BANK FEES 61 61   0


TY 2025 TaxesSchedule
Name:
CREAMER FAMILY FOUNDATION INC (FKA
 
J FLETCHER CREAMER FOUNDATION)
EIN:
22-2335557
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
FOREIGN DIVIDEND TAX 964 964   0
FEDERAL TAX 2,659 0   0