﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2024v5.1" xsi:schemaLocation="http://www.irs.gov/efile">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2025-05-14T05:39:09-07:00</ReturnTs>
    <TaxPeriodEndDt>2024-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>820548504</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>WHITTEMORE DOWEN &amp; RICCIARDELLI LLP</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>333 AVIATION RD BLDG B</AddressLine1Txt>
        <CityNm>QUEENSBURY</CityNm>
        <StateAbbreviationCd>NY</StateAbbreviationCd>
        <ZIPCd>12804</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2024-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>226450667</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>TRUW J Sheldon FBO Wash Ct Home</BusinessNameLine1Txt>
      </BusinessName>
      <BusinessNameControlTxt>TRUW</BusinessNameControlTxt>
      <PhoneNum>5187934121</PhoneNum>
      <USAddress>
        <AddressLine1Txt>Glens Falls Natl Bank 250 Glen St</AddressLine1Txt>
        <CityNm>Glens Falls</CityNm>
        <StateAbbreviationCd>NY</StateAbbreviationCd>
        <ZIPCd>12801</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>Marilyn Kraus</PersonNm>
      <PersonTitleTxt>Trustee</PersonTitleTxt>
      <SignatureDt>2025-05-14</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>true</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>Robert A Ricciardelli JD CPA</PreparerPersonNm>
      <PTIN>P00357850</PTIN>
      <PhoneNum>5187920918</PhoneNum>
    </PreparerPersonGrp>
    <TaxYr>2024</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="6">
    <IRS990PF documentId="IRS990PF" referenceDocumentId="GeneralExplanation" softwareId="24020490" softwareVersionNum="2024v5.1">
      <Organization4947a1TrtdPFInd>X</Organization4947a1TrtdPFInd>
      <FMVAssetsEOYAmt>266590</FMVAssetsEOYAmt>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <AnalysisOfRevenueAndExpenses>
        <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
        <DividendsRevAndExpnssAmt>7487</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>7487</DividendsNetInvstIncmAmt>
        <NetGainSaleAstRevAndExpnssAmt>7071</NetGainSaleAstRevAndExpnssAmt>
        <GrossSalesPriceAmt>42580</GrossSalesPriceAmt>
        <CapGainNetIncmNetInvstIncmAmt>7071</CapGainNetIncmNetInvstIncmAmt>
        <NetSTCapitalGainAdjNetIncmAmt>830</NetSTCapitalGainAdjNetIncmAmt>
        <TotalRevAndExpnssAmt>14558</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>14558</TotalNetInvstIncmAmt>
        <TotalAdjNetIncmAmt>830</TotalAdjNetIncmAmt>
        <CompOfcrDirTrstRevAndExpnssAmt>485</CompOfcrDirTrstRevAndExpnssAmt>
        <CompOfcrDirTrstNetInvstIncmAmt>243</CompOfcrDirTrstNetInvstIncmAmt>
        <CompOfcrDirTrstDsbrsChrtblAmt>242</CompOfcrDirTrstDsbrsChrtblAmt>
        <AccountingFeesRevAndExpnssAmt referenceDocumentId="AccountingFeesSchedule">1099</AccountingFeesRevAndExpnssAmt>
        <TaxesRevAndExpnssAmt referenceDocumentId="TaxesSchedule">14</TaxesRevAndExpnssAmt>
        <TaxesNetInvstIncmAmt>14</TaxesNetInvstIncmAmt>
        <OtherExpensesRevAndExpnssAmt referenceDocumentId="OtherExpensesSchedule AmortizationSchedule">160</OtherExpensesRevAndExpnssAmt>
        <TotOprExpensesRevAndExpnssAmt>1758</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>257</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>242</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>8981</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>8981</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>10739</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>257</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>9223</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>3819</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>14301</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>830</AdjustedNetIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <SavAndTempCashInvstBOYAmt>19012</SavAndTempCashInvstBOYAmt>
        <SavAndTempCashInvstEOYAmt>17413</SavAndTempCashInvstEOYAmt>
        <SavAndTempCashInvstEOYFMVAmt>17413</SavAndTempCashInvstEOYFMVAmt>
        <OtherInvestmentsBOYAmt>139559</OtherInvestmentsBOYAmt>
        <OtherInvestmentsEOYAmt referenceDocumentId="InvestmentsOtherSchedule2">145009</OtherInvestmentsEOYAmt>
        <OtherInvestmentsEOYFMVAmt>249177</OtherInvestmentsEOYFMVAmt>
        <TotalAssetsBOYAmt>158571</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>162422</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>266590</TotalAssetsEOYFMVAmt>
        <TotalLiabilitiesEOYAmt>0</TotalLiabilitiesEOYAmt>
        <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
        <CapitalStockBOYAmt>158571</CapitalStockBOYAmt>
        <CapitalStockEOYAmt>162422</CapitalStockEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>158571</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>162422</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>158571</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>162422</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>158571</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>3819</ExcessRevenueOverExpensesAmt>
        <OtherIncreasesAmt referenceDocumentId="OtherIncreasesSchedule">32</OtherIncreasesAmt>
        <SubtotalAmt>162422</SubtotalAmt>
        <TotNetAstOrFundBalancesEOYAmt>162422</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <CapGainsLossTxInvstIncmDetail>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>GFNB&amp;T Marketable Securities S/T Covered</PropertyDesc>
          <AcquiredDt>2024-01-01</AcquiredDt>
          <SoldDt>2024-12-31</SoldDt>
          <GrossSalesPriceAmt>15391</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>14561</CostOrOtherBasisAmt>
          <GainOrLossAmt>830</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>830</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>GFNB&amp;T Marketable Securities L/T Covered</PropertyDesc>
          <AcquiredDt>2024-01-01</AcquiredDt>
          <SoldDt>2024-12-31</SoldDt>
          <GrossSalesPriceAmt>19968</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>19709</CostOrOtherBasisAmt>
          <GainOrLossAmt>259</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>259</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>20 Vanguard Mid Cap ETF</PropertyDesc>
          <AcquiredDt>2002-09-17</AcquiredDt>
          <SoldDt>2024-06-06</SoldDt>
          <GrossSalesPriceAmt>4862</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>728</CostOrOtherBasisAmt>
          <GainOrLossAmt>4134</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>4134</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>5 Vanguard S&amp;P 500 ETF</PropertyDesc>
          <AcquiredDt>2010-06-21</AcquiredDt>
          <SoldDt>2024-03-04</SoldDt>
          <GrossSalesPriceAmt>2359</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>511</CostOrOtherBasisAmt>
          <GainOrLossAmt>1848</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>1848</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapitalGainNetIncomeAmt>7071</CapitalGainNetIncomeAmt>
        <NetShortTermCapitalGainLossAmt>830</NetShortTermCapitalGainLossAmt>
      </CapGainsLossTxInvstIncmDetail>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>199</InvestmentIncomeExciseTaxAmt>
        <SubtotalAmt>199</SubtotalAmt>
        <TaxBasedOnInvestmentIncomeAmt>199</TaxBasedOnInvestmentIncomeAmt>
        <TaxDueAmt>199</TaxDueAmt>
        <AppliedToESTaxAmt>0</AppliedToESTaxAmt>
      </ExciseTaxBasedOnInvstIncmGrp>
      <StatementsRegardingActyGrp>
        <LegislativePoliticalActyInd>false</LegislativePoliticalActyInd>
        <MoreThan100SpentInd>false</MoreThan100SpentInd>
        <Form1120POLFiledInd>false</Form1120POLFiledInd>
        <ActivitiesNotPreviouslyRptInd>false</ActivitiesNotPreviouslyRptInd>
        <ChangesToArticlesOrBylawsInd>false</ChangesToArticlesOrBylawsInd>
        <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
        <OrganizationDissolvedEtcInd>false</OrganizationDissolvedEtcInd>
        <Section508eRqrSatisfiedInd>true</Section508eRqrSatisfiedInd>
        <AtLeast5000InAssetsInd>true</AtLeast5000InAssetsInd>
        <OrgReportOrRegisterStateCd>NY</OrgReportOrRegisterStateCd>
        <Form990PFFiledWithAttyGenInd>true</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>false</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>false</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
        <PersonsWithBooksName>
          <BusinessNameLine1Txt>Glens Falls Natl Bk Trust Dep</BusinessNameLine1Txt>
        </PersonsWithBooksName>
        <PhoneNum>5187934121</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>250 Glen Street</AddressLine1Txt>
          <CityNm>Glens Falls</CityNm>
          <StateAbbreviationCd>NY</StateAbbreviationCd>
          <ZIPCd>12801</ZIPCd>
        </LocationOfBooksUSAddress>
        <NECTFilingInLieuOFForm1041Ind>X</NECTFilingInLieuOFForm1041Ind>
        <ForeignAccountsQuestionInd>false</ForeignAccountsQuestionInd>
      </StatementsRegardingActyGrp>
      <StatementsRegardingActy4720Grp>
        <SaleOrExchDisqualifiedPrsnInd>false</SaleOrExchDisqualifiedPrsnInd>
        <BrrwOrLendDisqualifiedPrsnInd>false</BrrwOrLendDisqualifiedPrsnInd>
        <FurnGoodsDisqualifiedPrsnInd>false</FurnGoodsDisqualifiedPrsnInd>
        <PayCompDisqualifiedPrsnInd>false</PayCompDisqualifiedPrsnInd>
        <TransferAstDisqualifiedPrsnInd>false</TransferAstDisqualifiedPrsnInd>
        <PaymentToGovernmentOfficialInd>false</PaymentToGovernmentOfficialInd>
        <ActsFailToQlfyAsExceptionsInd>false</ActsFailToQlfyAsExceptionsInd>
        <UncorrectedPriorActsInd>false</UncorrectedPriorActsInd>
        <UndistributedIncomePYInd>false</UndistributedIncomePYInd>
        <BusinessHoldingsInd>false</BusinessHoldingsInd>
        <JeopardyInvestmentsInd>false</JeopardyInvestmentsInd>
        <UncorrectedPYJeopardyInvstInd>false</UncorrectedPYJeopardyInvstInd>
        <InfluenceLegislationInd>false</InfluenceLegislationInd>
        <InfluenceElectionInd>false</InfluenceElectionInd>
        <GrantsToIndividualsInd>false</GrantsToIndividualsInd>
        <GrantsToOrganizationsInd>false</GrantsToOrganizationsInd>
        <NoncharitablePurposeInd>false</NoncharitablePurposeInd>
        <RcvFndsToPayPrsnlBnftCntrctInd>false</RcvFndsToPayPrsnlBnftCntrctInd>
        <PayPremiumsPrsnlBnftCntrctInd>false</PayPremiumsPrsnlBnftCntrctInd>
        <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
        <SubjToTaxRmnrtnExPrchtPymtInd>false</SubjToTaxRmnrtnExPrchtPymtInd>
      </StatementsRegardingActy4720Grp>
      <OfficerDirTrstKeyEmplInfoGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>Glens Falls Nat'l Bank Trust</PersonNm>
          <USAddress>
            <AddressLine1Txt>250 Glen Street</AddressLine1Txt>
            <CityNm>Glens Falls</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12801</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>485</CompensationAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>242745</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>14649</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>257394</TotalFMVOfUnusedAssetsAmt>
        <ReductionClaimedAmt>0</ReductionClaimedAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>257394</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>3861</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>253533</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>12677</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>12677</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>199</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>199</TotalTaxAmt>
        <DistributableBeforeAdjAmt>12478</DistributableBeforeAdjAmt>
        <DistributableBeforeDedAmt>12478</DistributableBeforeDedAmt>
        <DistributableAsAdjustedAmt>12478</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>9223</ExpensesAndContributionsAmt>
        <QualifyingDistributionsAmt>9223</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>12478</DistributableAsAdjustedAmt>
        <UndistributedIncomePYAmt>2599</UndistributedIncomePYAmt>
        <QualifyingDistributionsAmt>9223</QualifyingDistributionsAmt>
        <AppliedToYear1Amt>2599</AppliedToYear1Amt>
        <TreatedAsDistriFromCorpusAmt>0</TreatedAsDistriFromCorpusAmt>
        <AppliedToCurrentYearAmt>6624</AppliedToCurrentYearAmt>
        <UndistributedIncomeCYAmt>5854</UndistributedIncomeCYAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <OnlyContriToPreselectedInd>X</OnlyContriToPreselectedInd>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>Washington Cty Home for Women</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>110 Main Street - C/O Wesley Clark</AddressLine1Txt>
            <CityNm>Argyle</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12809</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>None</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>General Fund</GrantOrContributionPurposeTxt>
          <Amt>8981</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>8981</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <DividendsAndInterestFromSecDtl>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>7487</ExclusionAmt>
        </DividendsAndInterestFromSecDtl>
        <GainSalesAstOthThanInvntryGrp>
          <ExclusionCd>18</ExclusionCd>
          <ExclusionAmt>7071</ExclusionAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>14558</ExclusionAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>14558</TotalIncomeProducingActyAmt>
      </AnalysisIncomeProducingActyGrp>
      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>false</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>false</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>false</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>false</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>false</RelationshipsNonchrtblEOInd>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <AccountingFeesSchedule documentId="AccountingFeesSchedule" softwareId="24020490" softwareVersionNum="2024v5.1">
      <AccountingFeesDetail>
        <CategoryTxt>TAX PREP</CategoryTxt>
        <Amt>1099</Amt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>0</AdjustedNetIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <InvestmentsOtherSchedule2 documentId="InvestmentsOtherSchedule2" softwareId="24020490" softwareVersionNum="2024v5.1">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES Core S&amp;P SMALL-CAP ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>4476</BookValueAmt>
        <EOYFMVAmt>5761</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES CORE S&amp;P MID-CAP ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>4561</BookValueAmt>
        <EOYFMVAmt>6231</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>INVESCO QQQ TRUST SERIES-I</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>12812</BookValueAmt>
        <EOYFMVAmt>17893</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES CORE MSCI DEV MKTS ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>6664</BookValueAmt>
        <EOYFMVAmt>6511</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANGUARD MID-CAP ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>1092</BookValueAmt>
        <EOYFMVAmt>7924</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANGUARD S&amp;P 500 ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>14876</BookValueAmt>
        <EOYFMVAmt>102374</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>LORD ABBETT SHORT DURATION INC-I</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>21725</BookValueAmt>
        <EOYFMVAmt>21473</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>PAYDEN HIGH INCOME FUND</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>8409</BookValueAmt>
        <EOYFMVAmt>8848</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SPDR PORTFOLIO S&amp;P 500 VALUE ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>12039</BookValueAmt>
        <EOYFMVAmt>14421</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES IBONDS DEC 2025 TERM CORP</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>4802</BookValueAmt>
        <EOYFMVAmt>4885</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES IBONDS DEC 2026 TERM CORP</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>4869</BookValueAmt>
        <EOYFMVAmt>4934</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES IBONDS DEC 2027 TERM CORP</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>4879</BookValueAmt>
        <EOYFMVAmt>4912</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES IBONDS DEC 2028 TERM CORP</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>4854</BookValueAmt>
        <EOYFMVAmt>4856</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES IBONDS DEC 2029 TERM CORP</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>4784</BookValueAmt>
        <EOYFMVAmt>4788</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES IBONDS DEC 2030 TERM CORP</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>4828</BookValueAmt>
        <EOYFMVAmt>4806</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES IBONDS DEC 2031 TERM CORP</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>4839</BookValueAmt>
        <EOYFMVAmt>4782</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES IBONDS DEC 2032 TERM CORP</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>4865</BookValueAmt>
        <EOYFMVAmt>4793</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SPDR S&amp;P HOMEBUILDERS ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>3056</BookValueAmt>
        <EOYFMVAmt>2613</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>REAL ESTATE SELECT SECTOR SPDR FUND</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>1733</BookValueAmt>
        <EOYFMVAmt>1627</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES IBONDS 2025 H/Y INC ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>10028</BookValueAmt>
        <EOYFMVAmt>9976</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES I BONDS DEC 2033 CORP</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>4818</BookValueAmt>
        <EOYFMVAmt>4769</EOYFMVAmt>
      </InvestmentsOtherGrp>
    </InvestmentsOtherSchedule2>
    <OtherExpensesSchedule documentId="OtherExpensesSchedule" softwareId="24020490" softwareVersionNum="2024v5.1">
      <OtherExpensesScheduleGrp>
        <Desc>Federal Taxes</Desc>
        <RevenueAndExpensesPerBooksAmt>110</RevenueAndExpensesPerBooksAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>NYS Dept. of Law Fees</Desc>
        <RevenueAndExpensesPerBooksAmt>50</RevenueAndExpensesPerBooksAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncreasesSchedule documentId="OtherIncreasesSchedule" softwareId="24020490" softwareVersionNum="2024v5.1">
      <OtherIncreasesDetail>
        <Desc>Prior Period Adjustment</Desc>
        <Amt>32</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
    <TaxesSchedule documentId="TaxesSchedule" softwareId="24020490" softwareVersionNum="2024v5.1">
      <TaxesDetail>
        <CategoryTxt>Foreign Tax Paid</CategoryTxt>
        <Amt>14</Amt>
        <NetInvestmentIncomeAmt>14</NetInvestmentIncomeAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>