Arrow Financial (AROW) 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
Estimated average burden
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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ALPHABET INC CL A	Equities	02079K305	223,942	1,183	SH		SOLE		1,183	0	0
AMAZON.COM INC	Equities	023135106	387,443	1,766	SH		SOLE		1,766	0	0
APPLE INC	Equities	037833100	1,753,441	7,002	SH		SOLE		7,002	0	0
ARROW FINANCIAL CORPORATION	Equities	042744102	851,223	29,649	SH		SOLE		29,649	0	0
CHESAPEAKE UTILITIES CORP	Equities	165303108	300,948	2,480	SH		SOLE		2,480	0	0
META PLATFORMS INC CL A	Equities	30303M102	218,395	373	SH		SOLE		373	0	0
HOME DEPOT INC	Equities	437076102	229,115	589	SH		SOLE		589	0	0
INVESCO QQQ TRUST SERIES 1	Equities	46090E103	6,235,472	12,197	SH		SOLE		12,197	0	0
ISHARES CORE S&P MID-CAP ETF	Equities	464287507	4,146,294	66,543	SH		SOLE		66,543	0	0
ISHARES CORE S&P SMALL-CAP ETF	Equities	464287804	3,475,381	30,163	SH		SOLE		30,163	0	0
ISHARES 10-20 YEAR TREASURY BOND ETF	Equities	464288653	600,923	6,037	SH		SOLE		6,037	0	0
ISHARES IBONDS DEC 2025 TERM CORP	Equities	46434VBD1	1,213,998	48,463	SH		SOLE		48,463	0	0
ISHARES CORE MSCI DEV MKTS ETF	Equities	46435G326	1,846,937	28,648	SH		SOLE		28,648	0	0
ISHARES IBONDS DEC 2026 TERM CORP	Equities	46435GAA0	1,242,951	51,639	SH		SOLE		51,639	0	0
ISHARES IBONDS 2025 H/Y INC ETF	Equities	46435U168	2,740,106	118,108	SH		SOLE		118,108	0	0
ISHARES IBONDS DEC 2028 TERM CORP	Equities	46435U515	1,368,653	54,966	SH		SOLE		54,966	0	0
ISHARES IBONDS DEC 2027 TERM CORP	Equities	46435UAA9	1,271,246	53,057	SH		SOLE		53,057	0	0
ISHARES IBONDS DEC 2033 CORP	Equities	46436E130	1,387,729	55,288	SH		SOLE		55,288	0	0
ISHARES IBONDS DEC 2029 TERM CORP	Equities	46436E205	1,254,798	55,035	SH		SOLE		55,035	0	0
ISHARES IBONDS DEC 2032 TC ETF	Equities	46436E312	1,437,463	58,481	SH		SOLE		58,481	0	0
ISHARES IBONDS DEC 2031 TERM CORP	Equities	46436E486	1,209,360	59,428	SH		SOLE		59,428	0	0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INC	Equities	46436E528	268,285	11,589	SH		SOLE		11,589	0	0
ISHARES IBONDS DEC 2030 TERM CORP	Equities	46436E726	1,241,251	58,111	SH		SOLE		58,111	0	0
JP MORGAN CHASE & CO	Equities	46625H100	239,231	998	SH		SOLE		998	0	0
MERCK & CO INC	Equities	58933Y105	319,928	3,216	SH		SOLE		3,216	0	0
MICROSOFT CORP	Equities	594918104	576,612	1,368	SH		SOLE		1,368	0	0
NVIDIA CORP	Equities	67066G104	506,273	3,770	SH		SOLE		3,770	0	0
ORACLE CORPORATION	Equities	68389X105	264,124	1,585	SH		SOLE		1,585	0	0
SPDR S&P 500 ETF TRUST	Equities	78462F103	232,088	396	SH		SOLE		396	0	0
SPDR PORTFOLIO S&P 500 VALUE ETF	Equities	78464A508	3,215,428	62,875	SH		SOLE		62,875	0	0
SPDR S&P HOMEBUILDERS ETF	Equities	78464A888	529,606	5,068	SH		SOLE		5,068	0	0
SALESFORCE INC	Equities	79466L302	200,598	600	SH		SOLE		600	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	Equities	81369Y803	232,520	1,000	SH		SOLE		1,000	0	0
REAL ESTATE SELECT SECTOR SPDR FUND	Equities	81369Y860	283,348	6,967	SH		SOLE		6,967	0	0
VANGUARD SHORT TERM CORP BOND ETF	Equities	92206C409	383,653	4,918	SH		SOLE		4,918	0	0
VANGUARD S&P 500 ETF	Equities	922908363	10,490,092	19,469	SH		SOLE		19,469	0	0
VANGUARD MID-CAP ETF	Equities	922908629	955,358	3,617	SH		SOLE		3,617	0	0
VANGUARD SMALL-CAP ETF	Equities	922908751	500,984	2,085	SH		SOLE		2,085	0	0
VERIZON COMMUNICATIONS	Equities	92343V104	228,143	5,705	SH		SOLE		5,705	0	0
VISA INC CL A	Equities	92826C839	228,813	724	SH		SOLE		724	0	0
AT&T INC	Equities	00206R102	51,574	2,265	SH		SOLE		2,265	0	0
NUVEEN ESG SMALL-CAP ETF	Equities	67092P607	58,635	1,400	SH		SOLE		1,400	0	0
SHERWIN WILLIAMS CO	Equities	824348106	8,498	25	SH		SOLE		25	0	0
THE HERSHEY COMPANY	Equities	427866108	109,231	645	SH		SOLE		645	0	0
ABBOTT LABS	Equities	002824100	89,583	792	SH		SOLE		792	0	0
ABBVIE INC	Equities	00287Y109	11,373	64	SH		SOLE		64	0	0
ADOBE INC	Equities	00724F101	96,496	217	SH		SOLE		217	0	0
ALPHABET INC CL C	Equities	02079K107	131,404	690	SH		SOLE		690	0	0
ALTRIA GROUP INC	Equities	02209S103	18,040	345	SH		SOLE		345	0	0
AMERICAN EXPRESS CO	Equities	025816109	46,893	158	SH		SOLE		158	0	0
AMERICAN WATER WORKS CO INC	Equities	030420103	30,376	244	SH		SOLE		244	0	0
AMGEN INC	Equities	031162100	72,197	277	SH		SOLE		277	0	0
AMPHENOL CORP CL A	Equities	032095101	156,332	2,251	SH		SOLE		2,251	0	0
AUTOMATIC DATA PROCESSING INC	Equities	053015103	16,100	55	SH		SOLE		55	0	0
BANK OF AMERICA CORP	Equities	060505104	115,764	2,634	SH		SOLE		2,634	0	0
BERKSHIRE HATHAWAY INC-CL B	Equities	084670702	164,994	364	SH		SOLE		364	0	0
BLACKROCK INC	Equities	09290D101	140,440	137	SH		SOLE		137	0	0
BRISTOL MYERS SQUIBB CO	Equities	110122108	41,006	725	SH		SOLE		725	0	0
CATERPILLAR INC	Equities	149123101	90,327	249	SH		SOLE		249	0	0
CHEVRON CORPORATION	Equities	166764100	47,652	329	SH		SOLE		329	0	0
CISCO SYSTEMS INC	Equities	17275R102	116,210	1,963	SH		SOLE		1,963	0	0
COCA COLA CO	Equities	191216100	126,077	2,025	SH		SOLE		2,025	0	0
COLGATE PALMOLIVE CO	Equities	194162103	21,909	241	SH		SOLE		241	0	0
COMM. SERV. SELECT SECTOR SPDR FUND	Equities	81369Y852	67,767	700	SH		SOLE		700	0	0
CONOCOPHILLIPS	Equities	20825C104	54,246	547	SH		SOLE		547	0	0
CONS DISC SELECT SECTOR SPDR FUND	Equities	81369Y407	112,175	500	SH		SOLE		500	0	0
CONS STAPLES SELECT SECT SPDR FUND	Equities	81369Y308	36,947	470	SH		SOLE		470	0	0
CONSTELLATION BRANDS INC CL A	Equities	21036P108	20,995	95	SH		SOLE		95	0	0
COSTCO WHOLESALE CORP	Equities	22160K105	175,924	192	SH		SOLE		192	0	0
CUMMINS INC	Equities	231021106	60,308	173	SH		SOLE		173	0	0
DANAHER CORP	Equities	235851102	80,572	351	SH		SOLE		351	0	0
DISNEY WALT CO NEW	Equities	254687106	115,247	1,035	SH		SOLE		1,035	0	0
DOMINION ENERGY INC	Equities	25746U109	9,803	182	SH		SOLE		182	0	0
EASTMAN CHEMICAL CO	Equities	277432100	23,561	258	SH		SOLE		258	0	0
ECOLAB INC	Equities	278865100	7,030	30	SH		SOLE		30	0	0
ENERGY SELECT SECTOR SPDR FUND	Equities	81369Y506	29,467	344	SH		SOLE		344	0	0
EXXON MOBIL CORP	Equities	30231G102	145,972	1,357	SH		SOLE		1,357	0	0
GE AEROSPACE	Equities	369604301	83,395	500	SH		SOLE		500	0	0
GE VERNOVA LLC	Equities	36828A101	41,116	125	SH		SOLE		125	0	0
GENERAL DYNAMICS CORP	Equities	369550108	68,244	259	SH		SOLE		259	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	Equities	81369Y209	130,692	950	SH		SOLE		950	0	0
HONEYWELL INTERNATIONAL INC	Equities	438516106	111,138	492	SH		SOLE		492	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	Equities	81369Y704	86,962	660	SH		SOLE		660	0	0
INGERSOLL-RAND INC	Equities	45687V106	68,750	760	SH		SOLE		760	0	0
INTERCONTINENTAL EXCHANGE GROUP, INC	Equities	45866F104	118,612	796	SH		SOLE		796	0	0
INTL. BUSINESS MACHINES CORP	Equities	459200101	45,065	205	SH		SOLE		205	0	0
ISHARES 1-5Y INV GRADE CORP ETF	Equities	464288646	28,952	560	SH		SOLE		560	0	0
ISHARES BARCLAYS 1-3 YEAR TR ETF	Equities	464287457	19,839	242	SH		SOLE		242	0	0
ISHARES IBONDS DEC 2034 TM CORP	Equities	46438G653	158,910	6,244	SH		SOLE		6,244	0	0
ISHARES RUSSELL MIDCAP ETF	Equities	464287499	156,998	1,776	SH		SOLE		1,776	0	0
JOHNSON & JOHNSON	Equities	478160104	106,296	735	SH		SOLE		735	0	0
LENNAR CORP CL A	Equities	526057104	45,138	331	SH		SOLE		331	0	0
LILLY ELI & CO	Equities	532457108	122,748	159	SH		SOLE		159	0	0
LOWES COS INC	Equities	548661107	27,148	110	SH		SOLE		110	0	0
LYONDELLBASELL INDUSTRIES NV	Equities	N53745100	12,849	173	SH		SOLE		173	0	0
MARVELL TECHNOLOGY INC	Equities	573874104	100,510	910	SH		SOLE		910	0	0
MASCO CORP	Equities	574599106	78,303	1,079	SH		SOLE		1,079	0	0
MASTERCARD INC CL A	Equities	57636Q104	83,198	158	SH		SOLE		158	0	0
MATERIALS SELECT SECTOR SPDR FUND	Equities	81369Y100	71,351	848	SH		SOLE		848	0	0
MCDONALDS CORP	Equities	580135101	107,549	371	SH		SOLE		371	0	0
MORGAN STANLEY	Equities	617446448	45,133	359	SH		SOLE		359	0	0
NETFLIX INC	Equities	64110L106	175,590	197	SH		SOLE		197	0	0
NEXTERA ENERGY INC	Equities	65339F101	36,562	510	SH		SOLE		510	0	0
PALO ALTO NETWORKS INC	Equities	697435105	68,053	374	SH		SOLE		374	0	0
PAYCHEX INC	Equities	704326107	17,528	125	SH		SOLE		125	0	0
PAYPAL HOLDINGS INC	Equities	70450Y103	23,898	280	SH		SOLE		280	0	0
PEPSICO INC	Equities	713448108	35,886	236	SH		SOLE		236	0	0
PFIZER INC	Equities	717081103	6,633	250	SH		SOLE		250	0	0
PIMCO ENHANCED SHORT MATURITY ETF	Equities	72201R833	196,165	1,955	SH		SOLE		1,955	0	0
PROCTER & GAMBLE CO	Equities	742718109	119,534	713	SH		SOLE		713	0	0
QUANTA SERVICES INC	Equities	74762E102	33,817	107	SH		SOLE		107	0	0
RTX CORPORATION	Equities	75513E101	27,773	240	SH		SOLE		240	0	0
SNOWFLAKE INC CL A	Equities	833445109	31,963	207	SH		SOLE		207	0	0
SPDR GOLD TRUST	Equities	78463V107	97,578	403	SH		SOLE		403	0	0
STARBUCKS CORP	Equities	855244109	12,136	133	SH		SOLE		133	0	0
STRYKER CORPORATION	Equities	863667101	136,819	380	SH		SOLE		380	0	0
SYSCO CORP	Equities	871829107	20,644	270	SH		SOLE		270	0	0
T ROWE PRICE GROUP INC	Equities	74144T108	19,678	174	SH		SOLE		174	0	0
TERADYNE INC	Equities	880770102	60,693	482	SH		SOLE		482	0	0
TESLA INC	Equities	88160R101	56,941	141	SH		SOLE		141	0	0
TEXAS INSTRUMENTS INC	Equities	882508104	9,376	50	SH		SOLE		50	0	0
THERMO FISHER SCIENTIFIC INC	Equities	883556102	95,722	184	SH		SOLE		184	0	0
TJX COS INC	Equities	872540109	126,005	1,043	SH		SOLE		1,043	0	0
T-MOBILE US INC	Equities	872590104	84,540	383	SH		SOLE		383	0	0
TRAVELERS COMPANIES INC	Equities	89417E109	83,589	347	SH		SOLE		347	0	0
UNION PAC CORP	Equities	907818108	93,496	410	SH		SOLE		410	0	0
UNITEDHEALTH GROUP INC	Equities	91324P102	95,102	188	SH		SOLE		188	0	0
UTILITIES SELECT SECTOR SPDR FUND	Equities	81369Y886	69,938	924	SH		SOLE		924	0	0
VANGUARD TOTAL BOND MARKET ETF	Equities	921937835	29,124	405	SH		SOLE		405	0	0
VERTEX PHARMACEUTICALS INC	Equities	92532F100	48,324	120	SH		SOLE		120	0	0
WALMART INC	Equities	931142103	112,034	1,240	SH		SOLE		1,240	0	0
WELLS FARGO & CO	Equities	949746101	19,176	273	SH		SOLE		273	0	0
WILLIAMS COS INC	Equities	969457100	137,302	2,537	SH		SOLE		2,537	0	0
YUM BRANDS INC	Equities	988498101	52,322	390	SH		SOLE		390	0	0
GOLDMAN SACHS GROUP INC	Equities	38141G104	45,810	80	SH		SOLE		80	0	0
ISHARES CORE U.S. AGGREGATE	Equities	464287226	26,648	275	SH		SOLE		275	0	0
ABBOTT LABS	Equities	002824100	1,470,430	13,000	SH		DFND	3	13,000	0	0
ADOBE INC	Equities	00724F101	1,956,592	4,400	SH		DFND	3	4,400	0	0
AIR PRODUCTS & CHEMICALS INC	Equities	009158106	783,108	2,700	SH		DFND	3	2,700	0	0
ALPHABET INC CL A	Equities	02079K305	5,262,540	27,800	SH		DFND	3	27,800	0	0
AMAZON.COM INC	Equities	023135106	5,550,567	25,300	SH		DFND	3	25,300	0	0
AMERICAN TOWER CORP REIT	Equities	03027X100	431,014	2,350	SH		DFND	3	2,350	0	0
AMERICAN WATER WORKS CO INC	Equities	030420103	373,470	3,000	SH		DFND	3	3,000	0	0
AMGEN INC	Equities	031162100	1,225,008	4,700	SH		DFND	3	4,700	0	0
AMPHENOL CORP CL A	Equities	032095101	1,805,700	26,000	SH		DFND	3	26,000	0	0
APPLE INC	Equities	037833100	10,066,884	40,200	SH		DFND	3	40,200	0	0
BANK OF AMERICA CORP	Equities	060505104	2,439,225	55,500	SH		DFND	3	55,500	0	0
BERKSHIRE HATHAWAY INC-CL B	Equities	084670702	2,311,728	5,100	SH		DFND	3	5,100	0	0
BLACKROCK INC	Equities	09290D101	2,255,242	2,200	SH		DFND	3	2,200	0	0
CAPITAL ONE FINANCIAL CORP	Equities	14040H105	1,212,576	6,800	SH		DFND	3	6,800	0	0
CATERPILLAR INC	Equities	149123101	2,285,388	6,300	SH		DFND	3	6,300	0	0
CHEVRON CORPORATION	Equities	166764100	955,944	6,600	SH		DFND	3	6,600	0	0
COSTCO WHOLESALE CORP	Equities	22160K105	1,282,778	1,400	SH		DFND	3	1,400	0	0
DANAHER CORP	Equities	235851102	872,290	3,800	SH		DFND	3	3,800	0	0
DIGITAL REALTY TRUST INC REIT	Equities	253868103	2,181,159	12,300	SH		DFND	3	12,300	0	0
DISNEY WALT CO NEW	Equities	254687106	701,505	6,300	SH		DFND	3	6,300	0	0
ECOLAB INC	Equities	278865100	351,480	1,500	SH		DFND	3	1,500	0	0
EXXON MOBIL CORP	Equities	30231G102	882,074	8,200	SH		DFND	3	8,200	0	0
META PLATFORMS INC CL A	Equities	30303M102	3,220,305	5,500	SH		DFND	3	5,500	0	0
GOLDMAN SACHS GROUP INC	Equities	38141G104	1,488,812	2,600	SH		DFND	3	2,600	0	0
THE HERSHEY COMPANY	Equities	427866108	440,310	2,600	SH		DFND	3	2,600	0	0
HOME DEPOT INC	Equities	437076102	3,034,122	7,800	SH		DFND	3	7,800	0	0
HONEYWELL INTERNATIONAL INC	Equities	438516106	2,033,010	9,000	SH		DFND	3	9,000	0	0
INGERSOLL-RAND INC	Equities	45687V106	1,293,578	14,300	SH		DFND	3	14,300	0	0
INTERCONTINENTAL EXCHANGE GROUP, INC	Equities	45866F104	1,691,264	11,350	SH		DFND	3	11,350	0	0
JP MORGAN CHASE & CO	Equities	46625H100	2,996,375	12,500	SH		DFND	3	12,500	0	0
JOHNSON & JOHNSON	Equities	478160104	1,373,890	9,500	SH		DFND	3	9,500	0	0
LENNAR CORP CL A	Equities	526057104	450,021	3,300	SH		DFND	3	3,300	0	0
LILLY ELI & CO	Equities	532457108	2,624,800	3,400	SH		DFND	3	3,400	0	0
MARVELL TECHNOLOGY INC	Equities	573874104	2,209,000	20,000	SH		DFND	3	20,000	0	0
MASCO CORP	Equities	574599106	1,995,675	27,500	SH		DFND	3	27,500	0	0
MCDONALDS CORP	Equities	580135101	753,714	2,600	SH		DFND	3	2,600	0	0
MICROSOFT CORP	Equities	594918104	8,577,525	20,350	SH		DFND	3	20,350	0	0
MORGAN STANLEY	Equities	617446448	1,420,636	11,300	SH		DFND	3	11,300	0	0
NETFLIX INC	Equities	64110L106	1,515,244	1,700	SH		DFND	3	1,700	0	0
NEXTERA ENERGY INC	Equities	65339F101	394,295	5,500	SH		DFND	3	5,500	0	0
NVIDIA CORP	Equities	67066G104	10,340,330	77,000	SH		DFND	3	77,000	0	0
ORACLE CORPORATION	Equities	68389X105	1,833,040	11,000	SH		DFND	3	11,000	0	0
PALO ALTO NETWORKS INC	Equities	697435105	291,136	1,600	SH		DFND	3	1,600	0	0
PEPSICO INC	Equities	713448108	1,064,420	7,000	SH		DFND	3	7,000	0	0
PROCTER & GAMBLE CO	Equities	742718109	2,032,756	12,125	SH		DFND	3	12,125	0	0
PUBLIC STORAGE INC REIT	Equities	74460D109	568,936	1,900	SH		DFND	3	1,900	0	0
SALESFORCE INC	Equities	79466L302	3,309,867	9,900	SH		DFND	3	9,900	0	0
SHERWIN WILLIAMS CO	Equities	824348106	730,850	2,150	SH		DFND	3	2,150	0	0
SOUTHERN COMPANY	Equities	842587107	753,228	9,150	SH		DFND	3	9,150	0	0
STRYKER CORPORATION	Equities	863667101	1,548,215	4,300	SH		DFND	3	4,300	0	0
SYSCO CORP	Equities	871829107	573,450	7,500	SH		DFND	3	7,500	0	0
TJX COS INC	Equities	872540109	1,280,586	10,600	SH		DFND	3	10,600	0	0
TERADYNE INC	Equities	880770102	629,600	5,000	SH		DFND	3	5,000	0	0
TESLA INC	Equities	88160R101	1,696,128	4,200	SH		DFND	3	4,200	0	0
THERMO FISHER SCIENTIFIC INC	Equities	883556102	1,612,713	3,100	SH		DFND	3	3,100	0	0
UNITEDHEALTH GROUP INC	Equities	91324P102	1,618,752	3,200	SH		DFND	3	3,200	0	0
VERTEX PHARMACEUTICALS INC	Equities	92532F100	885,940	2,200	SH		DFND	3	2,200	0	0
VISA INC CL A	Equities	92826C839	1,801,428	5,700	SH		DFND	3	5,700	0	0
VULCAN MATERIALS CO	Equities	929160109	282,953	1,100	SH		DFND	3	1,100	0	0
WALMART INC	Equities	931142103	2,547,870	28,200	SH		DFND	3	28,200	0	0
WASTE MANAGEMENT INC	Equities	94106L109	1,614,320	8,000	SH		DFND	3	8,000	0	0
WILLIAMS COS INC	Equities	969457100	1,861,728	34,400	SH		DFND	3	34,400	0	0
3M CO	Equities	88579Y101	229,780	1,780	SH		DFND	2	1,780	0	0
ABBOTT LABS	Equities	002824100	2,087,671	18,457	SH		DFND	2	18,457	0	0
ABBVIE INC	Equities	00287Y109	819,730	4,613	SH		DFND	2	4,613	0	0
ADOBE INC	Equities	00724F101	2,606,269	5,861	SH		DFND	2	5,861	0	0
ALPHABET INC CL A	Equities	02079K305	9,766,366	51,592	SH		DFND	2	51,592	0	0
ALPHABET INC CL C	Equities	02079K107	2,031,233	10,666	SH		DFND	2	10,666	0	0
ALTRIA GROUP INC	Equities	02209S103	243,149	4,650	SH		DFND	2	4,650	0	0
AMAZON.COM INC	Equities	023135106	7,901,989	36,018	SH		DFND	2	36,018	0	0
AMERICAN EXPRESS CO	Equities	025816109	457,057	1,540	SH		DFND	2	1,540	0	0
AMERICAN WATER WORKS CO INC	Equities	030420103	796,363	6,397	SH		DFND	2	6,397	0	0
AMGEN INC	Equities	031162100	2,684,331	10,299	SH		DFND	2	10,299	0	0
AMPHENOL CORP CL A	Equities	032095101	3,168,309	45,620	SH		DFND	2	45,620	0	0
APPLE INC	Equities	037833100	15,351,748	61,304	SH		DFND	2	61,304	0	0
APPLIED MATERIALS INC	Equities	038222105	274,032	1,685	SH		DFND	2	1,685	0	0
ARROW FINANCIAL CORPORATION	Equities	042744102	53,349,755	1,858,229	SH		DFND	2	1,858,229	0	0
AUTOMATIC DATA PROCESSING INC	Equities	053015103	138,169	472	SH		DFND	2	472	0	0
BANK OF AMERICA CORP	Equities	060505104	2,631,067	59,865	SH		DFND	2	59,865	0	0
BERKSHIRE HATHAWAY INC-CL B	Equities	084670702	3,648,904	8,050	SH		DFND	2	8,050	0	0
BLACKROCK INC	Equities	09290D101	3,326,482	3,245	SH		DFND	2	3,245	0	0
BRISTOL MYERS SQUIBB CO	Equities	110122108	305,876	5,408	SH		DFND	2	5,408	0	0
CARRIER GLOBAL CORP	Equities	14448C104	46,076	675	SH		DFND	2	675	0	0
CATERPILLAR INC	Equities	149123101	2,225,533	6,135	SH		DFND	2	6,135	0	0
CHEVRON CORPORATION	Equities	166764100	875,992	6,048	SH		DFND	2	6,048	0	0
CISCO SYSTEMS INC	Equities	17275R102	3,040,749	51,364	SH		DFND	2	51,364	0	0
COCA COLA CO	Equities	191216100	1,779,266	28,578	SH		DFND	2	28,578	0	0
COLGATE PALMOLIVE CO	Equities	194162103	181,911	2,001	SH		DFND	2	2,001	0	0
COMM. SERV. SELECT SECTOR SPDR FUND	Equities	81369Y852	21,298	220	SH		DFND	2	220	0	0
CONOCOPHILLIPS	Equities	20825C104	1,364,282	13,757	SH		DFND	2	13,757	0	0
CONS DISC SELECT SECTOR SPDR FUND	Equities	81369Y407	115,540	515	SH		DFND	2	515	0	0
CONS STAPLES SELECT SECT SPDR FUND	Equities	81369Y308	29,164	371	SH		DFND	2	371	0	0
CONSTELLATION BRANDS INC CL A	Equities	21036P108	98,566	446	SH		DFND	2	446	0	0
COSTCO WHOLESALE CORP	Equities	22160K105	3,159,299	3,448	SH		DFND	2	3,448	0	0
CUMMINS INC	Equities	231021106	1,583,690	4,543	SH		DFND	2	4,543	0	0
DANAHER CORP	Equities	235851102	1,737,005	7,567	SH		DFND	2	7,567	0	0
DISNEY WALT CO NEW	Equities	254687106	2,450,702	22,009	SH		DFND	2	22,009	0	0
DOLLAR TREE INC	Equities	256746108	252,997	3,376	SH		DFND	2	3,376	0	0
DOMINION ENERGY INC	Equities	25746U109	799,875	14,851	SH		DFND	2	14,851	0	0
EASTMAN CHEMICAL CO	Equities	277432100	722,980	7,917	SH		DFND	2	7,917	0	0
EATON CORP PLC	Equities	G29183103	43,143	130	SH		DFND	2	130	0	0
ECOLAB INC	Equities	278865100	464,657	1,983	SH		DFND	2	1,983	0	0
EMERSON ELEC CO	Equities	291011104	176,105	1,421	SH		DFND	2	1,421	0	0
ENERGY SELECT SECTOR SPDR FUND	Equities	81369Y506	168,579	1,968	SH		DFND	2	1,968	0	0
EXXON MOBIL CORP	Equities	30231G102	2,561,349	23,811	SH		DFND	2	23,811	0	0
FINANCIAL SELECT SECTOR SPDR FUND	Equities	81369Y605	525,395	10,871	SH		DFND	2	10,871	0	0
FISERV INC	Equities	337738108	462,195	2,250	SH		DFND	2	2,250	0	0
FORD MOTOR CO DEL	Equities	345370860	103,950	10,500	SH		DFND	2	10,500	0	0
GE AEROSPACE	Equities	369604301	447,664	2,684	SH		DFND	2	2,684	0	0
GE VERNOVA LLC	Equities	36828A101	222,686	677	SH		DFND	2	677	0	0
GENERAL DYNAMICS CORP	Equities	369550108	1,623,362	6,161	SH		DFND	2	6,161	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	Equities	81369Y209	330,993	2,406	SH		DFND	2	2,406	0	0
HOME DEPOT INC	Equities	437076102	4,530,567	11,647	SH		DFND	2	11,647	0	0
HONEYWELL INTERNATIONAL INC	Equities	438516106	2,141,211	9,479	SH		DFND	2	9,479	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	Equities	81369Y704	341,258	2,590	SH		DFND	2	2,590	0	0
INGERSOLL-RAND INC	Equities	45687V106	1,502,812	16,613	SH		DFND	2	16,613	0	0
INTERCONTINENTAL EXCHANGE GROUP, INC	Equities	45866F104	2,707,065	18,167	SH		DFND	2	18,167	0	0
INTL. BUSINESS MACHINES CORP	Equities	459200101	295,012	1,342	SH		DFND	2	1,342	0	0
INVESCO QQQ TRUST SERIES 1	Equities	46090E103	73,487,779	143,747	SH		DFND	2	143,747	0	0
ISHARES 10-20 YEAR TREASURY BOND ETF	Equities	464288653	7,082,470	71,152	SH		DFND	2	71,152	0	0
ISHARES 1-5Y INV GRADE CORP ETF	Equities	464288646	235,080	4,547	SH		DFND	2	4,547	0	0
ISHARES BARCLAYS 1-3 YEAR TR ETF	Equities	464287457	121,658	1,484	SH		DFND	2	1,484	0	0
ISHARES CORE MSCI DEV MKTS ETF	Equities	46435G326	26,751,633	414,947	SH		DFND	2	414,947	0	0
ISHARES CORE S&P MID-CAP ETF	Equities	464287507	49,462,800	793,819	SH		DFND	2	793,819	0	0
ISHARES CORE S&P SMALL-CAP ETF	Equities	464287804	39,745,721	344,957	SH		DFND	2	344,957	0	0
ISHARES CORE U.S. AGGREGATE	Equities	464287226	6,488,521	66,961	SH		DFND	2	66,961	0	0
ISHARES ESG AWARE 1-5 YEAR USD ETF	Equities	46435G243	606,262	24,545	SH		DFND	2	24,545	0	0
ISHARES IBONDS 2025 H/Y INC ETF	Equities	46435U168	30,658,081	1,321,469	SH		DFND	2	1,321,469	0	0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INC	Equities	46436E528	1,455,464	62,871	SH		DFND	2	62,871	0	0
ISHARES IBONDS DEC 2025 MUNI ETF	Mutual Funds	46435U432	239,695	9,006	SH		DFND	2	9,006	0	0
ISHARES IBONDS DEC 2025 TERM CORP	Equities	46434VBD1	12,366,484	493,672	SH		DFND	2	493,672	0	0
ISHARES IBONDS DEC 2026 MUNI ETF	Equities	46435U259	240,622	9,451	SH		DFND	2	9,451	0	0
ISHARES IBONDS DEC 2026 TERM CORP	Equities	46435GAA0	12,563,938	521,975	SH		DFND	2	521,975	0	0
ISHARES IBONDS DEC 2027 MUNI ETF	Mutual Funds	46435U283	239,257	9,517	SH		DFND	2	9,517	0	0
ISHARES IBONDS DEC 2027 TERM CORP	Equities	46435UAA9	12,293,229	513,073	SH		DFND	2	513,073	0	0
ISHARES IBONDS DEC 2028 TERM CORP	Equities	46435U515	12,395,992	497,831	SH		DFND	2	497,831	0	0
ISHARES IBONDS DEC 2028 TERM MUNI	Equities	46435U325	237,901	9,448	SH		DFND	2	9,448	0	0
ISHARES IBONDS DEC 2029 TERM CORP	Equities	46436E205	12,505,549	548,489	SH		DFND	2	548,489	0	0
ISHARES IBONDS DEC 2030 TERM CORP	Equities	46436E726	12,632,560	591,412	SH		DFND	2	591,412	0	0
ISHARES IBONDS DEC 2031 TERM CORP	Equities	46436E486	12,655,400	621,887	SH		DFND	2	621,887	0	0
ISHARES IBONDS DEC 2032 TC ETF	Equities	46436E312	12,881,665	524,071	SH		DFND	2	524,071	0	0
ISHARES IBONDS DEC 2033 CORP	Equities	46436E130	12,560,140	500,404	SH		DFND	2	500,404	0	0
ISHARES IBONDS DEC 2034 TM CORP	Equities	46438G653	1,244,989	48,919	SH		DFND	2	48,919	0	0
ISHARES NATIONAL MUNI BOND ETF	Mutual Funds	464288414	1,250,151	11,733	SH		DFND	2	11,733	0	0
ISHARES NEW YORK MUNI BOND ETF	Mutual Funds	464288323	4,804,861	90,283	SH		DFND	2	90,283	0	0
ISHARES RUSSELL MIDCAP ETF	Equities	464287499	211,276	2,390	SH		DFND	2	2,390	0	0
JOHNSON & JOHNSON	Equities	478160104	2,159,321	14,931	SH		DFND	2	14,931	0	0
JP MORGAN CHASE & CO	Equities	46625H100	4,818,890	20,103	SH		DFND	2	20,103	0	0
LENNAR CORP CL A	Equities	526057104	1,017,184	7,459	SH		DFND	2	7,459	0	0
LILLY ELI & CO	Equities	532457108	2,776,112	3,596	SH		DFND	2	3,596	0	0
LOWES COS INC	Equities	548661107	1,031,377	4,179	SH		DFND	2	4,179	0	0
LYONDELLBASELL INDUSTRIES NV	Equities	N53745100	691,751	9,314	SH		DFND	2	9,314	0	0
MARVELL TECHNOLOGY INC	Equities	573874104	1,766,427	15,993	SH		DFND	2	15,993	0	0
MASCO CORP	Equities	574599106	1,547,918	21,330	SH		DFND	2	21,330	0	0
MASTERCARD INC CL A	Equities	57636Q104	1,900,391	3,609	SH		DFND	2	3,609	0	0
MATERIALS SELECT SECTOR SPDR FUND	Equities	81369Y100	1,008,115	11,983	SH		DFND	2	11,983	0	0
MCDONALDS CORP	Equities	580135101	2,415,943	8,334	SH		DFND	2	8,334	0	0
MERCK & CO INC	Equities	58933Y105	373,050	3,750	SH		DFND	2	3,750	0	0
META PLATFORMS INC CL A	Equities	30303M102	4,188,153	7,153	SH		DFND	2	7,153	0	0
MICROSOFT CORP	Equities	594918104	13,181,148	31,272	SH		DFND	2	31,272	0	0
MORGAN STANLEY	Equities	617446448	1,932,316	15,370	SH		DFND	2	15,370	0	0
NETFLIX INC	Equities	64110L106	2,812,115	3,155	SH		DFND	2	3,155	0	0
NEXTERA ENERGY INC	Equities	65339F101	470,501	6,563	SH		DFND	2	6,563	0	0
NVIDIA CORP	Equities	67066G104	12,186,415	90,747	SH		DFND	2	90,747	0	0
ORACLE CORPORATION	Equities	68389X105	4,921,379	29,533	SH		DFND	2	29,533	0	0
PALO ALTO NETWORKS INC	Equities	697435105	1,630,544	8,961	SH		DFND	2	8,961	0	0
PAYCHEX INC	Equities	704326107	294,182	2,098	SH		DFND	2	2,098	0	0
PAYPAL HOLDINGS INC	Equities	70450Y103	230,616	2,702	SH		DFND	2	2,702	0	0
PEPSICO INC	Equities	713448108	1,117,641	7,350	SH		DFND	2	7,350	0	0
PFIZER INC	Equities	717081103	67,386	2,540	SH		DFND	2	2,540	0	0
PHILIP MORRIS INTERNATIONAL	Equities	718172109	388,731	3,230	SH		DFND	2	3,230	0	0
PIMCO ENHANCED SHORT MATURITY ETF	Equities	72201R833	1,769,797	17,638	SH		DFND	2	17,638	0	0
PROCTER & GAMBLE CO	Equities	742718109	2,634,955	15,717	SH		DFND	2	15,717	0	0
QUANTA SERVICES INC	Equities	74762E102	1,189,612	3,764	SH		DFND	2	3,764	0	0
REAL ESTATE SELECT SECTOR SPDR FUND	Equities	81369Y860	4,798,857	117,995	SH		DFND	2	117,995	0	0
RTX CORPORATION	Equities	75513E101	240,466	2,078	SH		DFND	2	2,078	0	0
SALESFORCE INC	Equities	79466L302	4,988,538	14,921	SH		DFND	2	14,921	0	0
SNOWFLAKE INC CL A	Equities	833445109	431,113	2,792	SH		DFND	2	2,792	0	0
SPDR GOLD TRUST	Equities	78463V107	338,740	1,399	SH		DFND	2	1,399	0	0
SPDR PORTFOLIO S&P 500 GROWTH ETF	Equities	78464A409	425,612	4,842	SH		DFND	2	4,842	0	0
SPDR PORTFOLIO S&P 500 VALUE ETF	Equities	78464A508	37,181,081	727,045	SH		DFND	2	727,045	0	0
SPDR S&P 500 ETF TRUST	Equities	78462F103	4,076,186	6,955	SH		DFND	2	6,955	0	0
SPDR S&P DIVIDEND ETF	Equities	78464A763	216,908	1,642	SH		DFND	2	1,642	0	0
SPDR S&P HOMEBUILDERS ETF	Equities	78464A888	7,288,980	69,751	SH		DFND	2	69,751	0	0
STARBUCKS CORP	Equities	855244109	241,539	2,647	SH		DFND	2	2,647	0	0
STRYKER CORPORATION	Equities	863667101	2,748,982	7,635	SH		DFND	2	7,635	0	0
SYSCO CORP	Equities	871829107	894,353	11,697	SH		DFND	2	11,697	0	0
T ROWE PRICE GROUP INC	Equities	74144T108	152,558	1,349	SH		DFND	2	1,349	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	Equities	81369Y803	623,154	2,680	SH		DFND	2	2,680	0	0
TERADYNE INC	Equities	880770102	1,368,373	10,867	SH		DFND	2	10,867	0	0
TESLA INC	Equities	88160R101	1,650,090	4,086	SH		DFND	2	4,086	0	0
TEXAS INSTRUMENTS INC	Equities	882508104	678,411	3,618	SH		DFND	2	3,618	0	0
THERMO FISHER SCIENTIFIC INC	Equities	883556102	2,341,035	4,500	SH		DFND	2	4,500	0	0
TJX COS INC	Equities	872540109	2,430,214	20,116	SH		DFND	2	20,116	0	0
T-MOBILE US INC	Equities	872590104	2,384,988	10,805	SH		DFND	2	10,805	0	0
TRAVELERS COMPANIES INC	Equities	89417E109	2,109,233	8,756	SH		DFND	2	8,756	0	0
UNION PAC CORP	Equities	907818108	1,815,198	7,960	SH		DFND	2	7,960	0	0
UNITEDHEALTH GROUP INC	Equities	91324P102	1,967,795	3,890	SH		DFND	2	3,890	0	0
UTILITIES SELECT SECTOR SPDR FUND	Equities	81369Y886	1,016,517	13,430	SH		DFND	2	13,430	0	0
VANGUARD GROWTH ETF	Equities	922908736	211,787	516	SH		DFND	2	516	0	0
VANGUARD MID-CAP ETF	Equities	922908629	25,276,477	95,698	SH		DFND	2	95,698	0	0
VANGUARD REAL ESTATE ETF	Equities	922908553	451,101	5,064	SH		DFND	2	5,064	0	0
VANGUARD S&P 500 ETF	Equities	922908363	105,128,318	195,116	SH		DFND	2	195,116	0	0
VANGUARD SHORT TERM CORP BOND ETF	Equities	92206C409	4,943,962	63,376	SH		DFND	2	63,376	0	0
VANGUARD SMALL-CAP ETF	Equities	922908751	10,659,782	44,364	SH		DFND	2	44,364	0	0
VANGUARD TOTAL BOND MARKET ETF	Equities	921937835	1,650,191	22,948	SH		DFND	2	22,948	0	0
VANGUARD TOTAL STOCK MARKET ETF	Equities	922908769	399,358	1,378	SH		DFND	2	1,378	0	0
VERIZON COMMUNICATIONS	Equities	92343V104	199,710	4,994	SH		DFND	2	4,994	0	0
VERTEX PHARMACEUTICALS INC	Equities	92532F100	1,147,292	2,849	SH		DFND	2	2,849	0	0
VISA INC CL A	Equities	92826C839	3,770,989	11,932	SH		DFND	2	11,932	0	0
WALMART INC	Equities	931142103	2,725,588	30,167	SH		DFND	2	30,167	0	0
WELLS FARGO & CO	Equities	949746101	336,098	4,785	SH		DFND	2	4,785	0	0
WILLIAMS COS INC	Equities	969457100	2,077,992	38,396	SH		DFND	2	38,396	0	0
YUM BRANDS INC	Equities	988498101	1,223,137	9,117	SH		DFND	2	9,117	0	0
3M CO	Equities	88579Y101	380,816	2,950	SH		OTR	2	0	2,950	0
ABBOTT LABS	Equities	002824100	48,185	426	SH		OTR	2	0	426	0
ABBVIE INC	Equities	00287Y109	231,010	1,300	SH		OTR	2	0	1,300	0
ADOBE INC	Equities	00724F101	84,934	191	SH		OTR	2	0	191	0
ALPHABET INC CL A	Equities	02079K305	1,021,084	5,394	SH		OTR	2	0	5,394	0
ALPHABET INC CL C	Equities	02079K107	208,532	1,095	SH		OTR	2	0	1,095	0
AMAZON.COM INC	Equities	023135106	476,076	2,170	SH		OTR	2	0	2,170	0
AMERICAN EXPRESS CO	Equities	025816109	296,790	1,000	SH		OTR	2	0	1,000	0
AMERICAN WATER WORKS CO INC	Equities	030420103	31,620	254	SH		OTR	2	0	254	0
AMGEN INC	Equities	031162100	83,665	321	SH		OTR	2	0	321	0
AMPHENOL CORP CL A	Equities	032095101	79,729	1,148	SH		OTR	2	0	1,148	0
APPLE INC	Equities	037833100	1,663,039	6,641	SH		OTR	2	0	6,641	0
ARROW FINANCIAL CORPORATION	Equities	042744102	335,649	11,691	SH		OTR	2	0	11,691	0
AUTOMATIC DATA PROCESSING INC	Equities	053015103	691,136	2,361	SH		OTR	2	0	2,361	0
BANK OF AMERICA CORP	Equities	060505104	178,217	4,055	SH		OTR	2	0	4,055	0
BERKSHIRE HATHAWAY INC-CL B	Equities	084670702	428,350	945	SH		OTR	2	0	945	0
BLACKROCK INC	Equities	09290D101	203,997	199	SH		OTR	2	0	199	0
BRISTOL MYERS SQUIBB CO	Equities	110122108	86,820	1,535	SH		OTR	2	0	1,535	0
CARRIER GLOBAL CORP	Equities	14448C104	320,822	4,700	SH		OTR	2	0	4,700	0
CATERPILLAR INC	Equities	149123101	373,280	1,029	SH		OTR	2	0	1,029	0
CHEVRON CORPORATION	Equities	166764100	282,293	1,949	SH		OTR	2	0	1,949	0
CISCO SYSTEMS INC	Equities	17275R102	74,888	1,265	SH		OTR	2	0	1,265	0
COCA COLA CO	Equities	191216100	106,838	1,716	SH		OTR	2	0	1,716	0
COLGATE PALMOLIVE CO	Equities	194162103	501,369	5,515	SH		OTR	2	0	5,515	0
COMM. SERV. SELECT SECTOR SPDR FUND	Equities	81369Y852	633,912	6,548	SH		OTR	2	0	6,548	0
CONOCOPHILLIPS	Equities	20825C104	112,161	1,131	SH		OTR	2	0	1,131	0
CONS DISC SELECT SECTOR SPDR FUND	Equities	81369Y407	785,898	3,503	SH		OTR	2	0	3,503	0
CONS STAPLES SELECT SECT SPDR FUND	Equities	81369Y308	398,238	5,066	SH		OTR	2	0	5,066	0
CONSTELLATION BRANDS INC CL A	Equities	21036P108	132,379	599	SH		OTR	2	0	599	0
COSTCO WHOLESALE CORP	Equities	22160K105	82,464	90	SH		OTR	2	0	90	0
CUMMINS INC	Equities	231021106	50,896	146	SH		OTR	2	0	146	0
DANAHER CORP	Equities	235851102	25,021	109	SH		OTR	2	0	109	0
DISNEY WALT CO NEW	Equities	254687106	135,736	1,219	SH		OTR	2	0	1,219	0
DOMINION ENERGY INC	Equities	25746U109	25,476	473	SH		OTR	2	0	473	0
EATON CORP PLC	Equities	G29183103	157,638	475	SH		OTR	2	0	475	0
ECOLAB INC	Equities	278865100	199,172	850	SH		OTR	2	0	850	0
EMERSON ELEC CO	Equities	291011104	324,697	2,620	SH		OTR	2	0	2,620	0
ENERGY SELECT SECTOR SPDR FUND	Equities	81369Y506	230,425	2,690	SH		OTR	2	0	2,690	0
EXXON MOBIL CORP	Equities	30231G102	827,859	7,696	SH		OTR	2	0	7,696	0
FINANCIAL SELECT SECTOR SPDR FUND	Equities	81369Y605	959,930	19,862	SH		OTR	2	0	19,862	0
GENERAL DYNAMICS CORP	Equities	369550108	26,349	100	SH		OTR	2	0	100	0
HEALTH CARE SELECT SECTOR SPDR FUND	Equities	81369Y209	741,777	5,392	SH		OTR	2	0	5,392	0
HOME DEPOT INC	Equities	437076102	518,524	1,333	SH		OTR	2	0	1,333	0
HONEYWELL INTERNATIONAL INC	Equities	438516106	104,813	464	SH		OTR	2	0	464	0
INDUSTRIAL SELECT SECTOR SPDR FUND	Equities	81369Y704	535,473	4,064	SH		OTR	2	0	4,064	0
INGERSOLL-RAND INC	Equities	45687V106	60,608	670	SH		OTR	2	0	670	0
INTERCONTINENTAL EXCHANGE GROUP, INC	Equities	45866F104	107,883	724	SH		OTR	2	0	724	0
INTL. BUSINESS MACHINES CORP	Equities	459200101	818,427	3,723	SH		OTR	2	0	3,723	0
INTUIT INC	Equities	461202103	471,375	750	SH		OTR	2	0	750	0
INVESCO QQQ TRUST SERIES 1	Equities	46090E103	262,772	514	SH		OTR	2	0	514	0
ISHARES 10-20 YEAR TREASURY BOND ETF	Equities	464288653	425,832	4,278	SH		OTR	2	0	4,278	0
ISHARES 1-5Y INV GRADE CORP ETF	Equities	464288646	77,550	1,500	SH		OTR	2	0	1,500	0
ISHARES BARCLAYS 1-3 YEAR TR ETF	Equities	464287457	122,970	1,500	SH		OTR	2	0	1,500	0
ISHARES CORE MSCI DEV MKTS ETF	Equities	46435G326	756,362	11,732	SH		OTR	2	0	11,732	0
ISHARES CORE S&P MID-CAP ETF	Equities	464287507	374,296	6,007	SH		OTR	2	0	6,007	0
ISHARES CORE S&P SMALL-CAP ETF	Equities	464287804	1,108,525	9,621	SH		OTR	2	0	9,621	0
ISHARES IBONDS 2025 H/Y INC ETF	Equities	46435U168	929,810	40,078	SH		OTR	2	0	40,078	0
ISHARES IBONDS DEC 2025 TERM CORP	Equities	46434VBD1	273,721	10,927	SH		OTR	2	0	10,927	0
ISHARES IBONDS DEC 2026 TERM CORP	Equities	46435GAA0	275,433	11,443	SH		OTR	2	0	11,443	0
ISHARES IBONDS DEC 2027 TERM CORP	Equities	46435UAA9	325,736	13,595	SH		OTR	2	0	13,595	0
ISHARES IBONDS DEC 2028 TERM CORP	Equities	46435U515	272,381	10,939	SH		OTR	2	0	10,939	0
ISHARES IBONDS DEC 2029 TERM CORP	Equities	46436E205	378,913	16,619	SH		OTR	2	0	16,619	0
ISHARES IBONDS DEC 2030 TERM CORP	Equities	46436E726	378,521	17,721	SH		OTR	2	0	17,721	0
ISHARES IBONDS DEC 2031 TERM CORP	Equities	46436E486	429,263	21,094	SH		OTR	2	0	21,094	0
ISHARES IBONDS DEC 2032 TC ETF	Equities	46436E312	427,471	17,391	SH		OTR	2	0	17,391	0
ISHARES IBONDS DEC 2033 CORP	Equities	46436E130	425,721	16,961	SH		OTR	2	0	16,961	0
ISHARES IBONDS DEC 2034 TM CORP	Equities	46438G653	57,466	2,258	SH		OTR	2	0	2,258	0
JOHNSON & JOHNSON	Equities	478160104	737,417	5,099	SH		OTR	2	0	5,099	0
JP MORGAN CHASE & CO	Equities	46625H100	1,451,444	6,055	SH		OTR	2	0	6,055	0
LENNAR CORP CL A	Equities	526057104	15,683	115	SH		OTR	2	0	115	0
LILLY ELI & CO	Equities	532457108	1,091,608	1,414	SH		OTR	2	0	1,414	0
LOWES COS INC	Equities	548661107	141,910	575	SH		OTR	2	0	575	0
LYONDELLBASELL INDUSTRIES NV	Equities	N53745100	7,650	103	SH		OTR	2	0	103	0
MARVELL TECHNOLOGY INC	Equities	573874104	138,615	1,255	SH		OTR	2	0	1,255	0
MASCO CORP	Equities	574599106	21,118	291	SH		OTR	2	0	291	0
MASTERCARD INC CL A	Equities	57636Q104	31,594	60	SH		OTR	2	0	60	0
MATERIALS SELECT SECTOR SPDR FUND	Equities	81369Y100	248,432	2,953	SH		OTR	2	0	2,953	0
MCDONALDS CORP	Equities	580135101	50,731	175	SH		OTR	2	0	175	0
MERCK & CO INC	Equities	58933Y105	313,859	3,155	SH		OTR	2	0	3,155	0
META PLATFORMS INC CL A	Equities	30303M102	265,822	454	SH		OTR	2	0	454	0
MICROSOFT CORP	Equities	594918104	2,023,622	4,801	SH		OTR	2	0	4,801	0
MORGAN STANLEY	Equities	617446448	213,724	1,700	SH		OTR	2	0	1,700	0
NETFLIX INC	Equities	64110L106	187,177	210	SH		OTR	2	0	210	0
NEXTERA ENERGY INC	Equities	65339F101	147,251	2,054	SH		OTR	2	0	2,054	0
NVIDIA CORP	Equities	67066G104	1,305,299	9,720	SH		OTR	2	0	9,720	0
ORACLE CORPORATION	Equities	68389X105	824,035	4,945	SH		OTR	2	0	4,945	0
PALO ALTO NETWORKS INC	Equities	697435105	102,625	564	SH		OTR	2	0	564	0
PAYCHEX INC	Equities	704326107	83,431	595	SH		OTR	2	0	595	0
PEPSICO INC	Equities	713448108	433,523	2,851	SH		OTR	2	0	2,851	0
PFIZER INC	Equities	717081103	254,157	9,580	SH		OTR	2	0	9,580	0
PIMCO ENHANCED SHORT MATURITY ETF	Equities	72201R833	98,835	985	SH		OTR	2	0	985	0
PROCTER & GAMBLE CO	Equities	742718109	532,792	3,178	SH		OTR	2	0	3,178	0
QUANTA SERVICES INC	Equities	74762E102	45,511	144	SH		OTR	2	0	144	0
REAL ESTATE SELECT SECTOR SPDR FUND	Equities	81369Y860	77,964	1,917	SH		OTR	2	0	1,917	0
RTX CORPORATION	Equities	75513E101	601,165	5,195	SH		OTR	2	0	5,195	0
SALESFORCE INC	Equities	79466L302	268,133	802	SH		OTR	2	0	802	0
SNOWFLAKE INC CL A	Equities	833445109	60,838	394	SH		OTR	2	0	394	0
SPDR PORTFOLIO S&P 500 VALUE ETF	Equities	78464A508	83,154	1,626	SH		OTR	2	0	1,626	0
SPDR S&P HOMEBUILDERS ETF	Equities	78464A888	141,493	1,354	SH		OTR	2	0	1,354	0
STARBUCKS CORP	Equities	855244109	165,619	1,815	SH		OTR	2	0	1,815	0
STRYKER CORPORATION	Equities	863667101	422,339	1,173	SH		OTR	2	0	1,173	0
SYSCO CORP	Equities	871829107	19,880	260	SH		OTR	2	0	260	0
T ROWE PRICE GROUP INC	Equities	74144T108	98,954	875	SH		OTR	2	0	875	0
TECHNOLOGY SELECT SECTOR SPDR FUND	Equities	81369Y803	2,034,085	8,748	SH		OTR	2	0	8,748	0
TERADYNE INC	Equities	880770102	62,582	497	SH		OTR	2	0	497	0
TESLA INC	Equities	88160R101	88,037	218	SH		OTR	2	0	218	0
THERMO FISHER SCIENTIFIC INC	Equities	883556102	166,474	320	SH		OTR	2	0	320	0
TJX COS INC	Equities	872540109	234,975	1,945	SH		OTR	2	0	1,945	0
T-MOBILE US INC	Equities	872590104	54,962	249	SH		OTR	2	0	249	0
TRAVELERS COMPANIES INC	Equities	89417E109	22,403	93	SH		OTR	2	0	93	0
UNION PAC CORP	Equities	907818108	97,373	427	SH		OTR	2	0	427	0
UNITEDHEALTH GROUP INC	Equities	91324P102	150,746	298	SH		OTR	2	0	298	0
UTILITIES SELECT SECTOR SPDR FUND	Equities	81369Y886	157,435	2,080	SH		OTR	2	0	2,080	0
VANGUARD MID-CAP ETF	Equities	922908629	3,082,633	11,671	SH		OTR	2	0	11,671	0
VANGUARD REAL ESTATE ETF	Equities	922908553	134,956	1,515	SH		OTR	2	0	1,515	0
VANGUARD S&P 500 ETF	Equities	922908363	1,061,434	1,970	SH		OTR	2	0	1,970	0
VANGUARD SHORT TERM CORP BOND ETF	Equities	92206C409	477,967	6,127	SH		OTR	2	0	6,127	0
VANGUARD SMALL-CAP ETF	Equities	922908751	1,104,807	4,598	SH		OTR	2	0	4,598	0
VERIZON COMMUNICATIONS	Equities	92343V104	79,020	1,976	SH		OTR	2	0	1,976	0
VERTEX PHARMACEUTICALS INC	Equities	92532F100	175,577	436	SH		OTR	2	0	436	0
VISA INC CL A	Equities	92826C839	399,791	1,265	SH		OTR	2	0	1,265	0
WALMART INC	Equities	931142103	162,178	1,795	SH		OTR	2	0	1,795	0
WELLS FARGO & CO	Equities	949746101	64,972	925	SH		OTR	2	0	925	0
WILLIAMS COS INC	Equities	969457100	68,624	1,268	SH		OTR	2	0	1,268	0
YUM BRANDS INC	Equities	988498101	9,660	72	SH		OTR	2	0	72	0
AIR PRODUCTS & CHEMICALS INC	Equities	009158106	57,718	199	SH		DFND	2	199	0	0
AMERICAN TOWER CORP REIT	Equities	03027X100	22,376	122	SH		DFND	2	122	0	0
AT&T INC	Equities	00206R102	165,675	7,276	SH		DFND	2	7,276	0	0
CAPITAL ONE FINANCIAL CORP	Equities	14040H105	1,783	10	SH		DFND	2	10	0	0
GOLDMAN SACHS GROUP INC	Equities	38141G104	192,973	337	SH		DFND	2	337	0	0
NUVEEN ESG SMALL-CAP ETF	Equities	67092P607	157,058	3,750	SH		DFND	2	3,750	0	0
SHERWIN WILLIAMS CO	Equities	824348106	180,163	530	SH		DFND	2	530	0	0
SOUTHERN COMPANY	Equities	842587107	66,679	810	SH		DFND	2	810	0	0
THE HERSHEY COMPANY	Equities	427866108	41,152	243	SH		DFND	2	243	0	0
VULCAN MATERIALS CO	Equities	929160109	190,865	742	SH		DFND	2	742	0	0
WASTE MANAGEMENT INC	Equities	94106L109	60,335	299	SH		DFND	2	299	0	0