| Category/ Item | Listed at Cost or FMV | Book Value | End of Year Fair Market Value |
|---|---|---|---|
| 345 SH. VANGUARD FTSE EMERGING MARKETS | AT COST | 14,209 | 18,547 |
| 325 SH. SEL SECT SPDR CONSUMER STAPLES | AT COST | 10,629 | 25,246 |
| 440 SH. SEL SECT SPDR CONS DISCR. CONSUMER DISCRETIONARY | AT COST | 37,696 | 52,540 |
| 390 SH. SELECT SECTOR SPDR INDUSTRIAL | AT COST | 33,351 | 60,497 |
| 240 SH. MATERIALS SELECT SECTOR SPDR FUND | AT COST | 4,678 | 10,884 |
| 365 SH. HEALTH CARE SEL SECT SPDR FD | AT COST | 29,431 | 56,502 |
| 450 SH. ENERGY SEL SECT SPDR FD | AT COST | 8,668 | 20,120 |
| 405 SH. ISHARES CORE US AGGREGATE | AT COST | 41,098 | 40,451 |
| 50 SH. VISA | AT COST | 3,348 | 17,536 |
| 700 SH. ISHARES CORE MSCI EAFE ETF | AT COST | 39,102 | 62,622 |
| 290 SH. UTILITIES SEL SECT SPDR FD | AT COST | 8,366 | 12,380 |
| 485 SH. VANGUARD FINANCIALS ETF | AT COST | 37,390 | 64,743 |
| 1,105 SH. VANGUARD FTSE DEVELOPED MKTS | AT COST | 44,766 | 69,029 |
| 2066.858 SH. PRUDENTIAL TOTAL RETURN BD Z | AT COST | 23,588 | 25,133 |
| 380 SH. COMM SERV SELECT SECTOR SPDR | AT COST | 25,357 | 44,734 |
| 100 SH. VANGUARD TTL STK MKT ETF (VTI) | AT COST | 19,962 | 33,527 |
| 100 SH.VANGUARD REAL ESTATE ETF | AT COST | 5,744 | 8,849 |
| 85 SH. VANGUARD SMALL CAP ETF | AT COST | 9,722 | 21,926 |
| 62 SH. PALO ALTO NETWORKS | AT COST | 3,447 | 11,420 |
| 200 ISHARES TRUST ISHARES 1-5 YE | AT COST | 10,844 | 10,576 |
| 80 SH. AMAZON | AT COST | 12,356 | 18,466 |
| 70 SH. BLACKSTONE INC. | AT COST | 6,291 | 10,790 |
| 50 SH. ISHARES 0-3 MONTH TREASURY B | AT COST | 5,002 | 5,019 |
| 3639.22 INVESCO PREM US GOVT MNY INST | AT COST | 3,639 | 3,639 |
| 205 SH. SPDR GOLD MINISHARES TRUST | AT COST | 7,796 | 17,501 |
| 370 SH. SPDR PORTFOLIO HIGH YIELD BOND | AT COST | 8,443 | 8,758 |
| 360 SH. ISHARES CORE UNIVERSAL BOND ETF | AT COST | 16,390 | 16,754 |
| 196 SH. VANGUARD INFO TECH | AT COST | 119,550 | 147,741 |
| 165 SH. VANGUARD SHORT-TERM CORPORATE | AT COST | 12,771 | 13,155 |
| 825 SH. CHUBB LTD. | AT COST | 41,811 | 257,499 |
| 500 SH. MICROSOFT CORP. | AT COST | 23,413 | 241,810 |
| Category | Amount | Net Investment Income | Adjusted Net Income | Disbursements for Charitable Purposes |
|---|---|---|---|---|
| LYNCH FINK HARRINGTON & GRAY LLP | 5,113 | 5,113 | 0 |
| Description | Beginning of Year - Book Value | End of Year - Book Value | End of Year - Fair Market Value |
|---|---|---|---|
| DIVIDEND RECEIVABLE-MORGAN STANLEY ACCT- | 122 | 120 | 120 |
| Description | Amount |
|---|---|
| ADJUSTMENT | 271 |
| DIFFERENCE BETWEEN FMV AND COST- CONTRIBUTION OF CHUBB LTD. AND MICROSOFT | 433,981 |
| Description | Amount |
|---|---|
| NON-TAXABLE DISTRIBUTIONS | 416 |
| Description | Beginning of Year - Book Value | End of Year - Book Value |
|---|---|---|
| UNCLEARED CHECKS | 34,000 | 35,500 |
| Category | Amount | Net Investment Income | Adjusted Net Income | Disbursements for Charitable Purposes |
|---|---|---|---|---|
| MANAGEMENT FEES- MORGAN STANLEY | 8,885 | 8,885 | 0 |
| Category | Amount | Net Investment Income | Adjusted Net Income | Disbursements for Charitable Purposes |
|---|---|---|---|---|
| FOREIGN TAX - MORGAN STANLEY | 333 | 333 | 0 | |
| IRS- 2024 BALANCE DUE | 1,274 | 0 | 0 | |
| IRS- 2025 ESTIMATED TAX PAYMENT | 1,800 | 0 | 0 |