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        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>LUNCHBREAK</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>121 DRS JAMES PARKER BLVD</AddressLine1Txt>
            <CityNm>RED BANK</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07701</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>SUPPORT WELL BEING OF COMMUNITY</GrantOrContributionPurposeTxt>
          <Amt>15000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>MANASQUAN RIVER GOLF CLUB</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>1011 HIGHWAY 71 SUITE 20</AddressLine1Txt>
            <CityNm>SPRING LAKE</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07762</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>SCHOLARSHIP PROGRAM</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>MANASQUAN RIVER GOLF CLUB</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>1011 HIGHWAY 71 SUITE 20</AddressLine1Txt>
            <CityNm>SPRING LAKE</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07762</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>SCHOLARSHIP PROGRAM</GrantOrContributionPurposeTxt>
          <Amt>3000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>MONMOUTH BAR ASSOCIATION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>802 WEST PARK AVENUE</AddressLine1Txt>
            <CityNm>OCEAN</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07712</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>CHILDREN'S HOLIDAY PARTY</GrantOrContributionPurposeTxt>
          <Amt>2500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>MONMOUTH PARK CHARITY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>175 OCEANPORT AVENUE</AddressLine1Txt>
            <CityNm>OCEANPORT</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07757</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>2400</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>NJ STATE TROOPERS NCO ASSOC FOUNDAT</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>14 CODDINGTON COURT</AddressLine1Txt>
            <CityNm>HOWELL</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07731</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>LAW ENFORCEMENT SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>NORAH ELIZABETH BRUTHER FOUNDATION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>1002 HOMESTEAD ROAD</AddressLine1Txt>
            <CityNm>SEA GIRT</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>08750</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>SCHOLARSHIPS FOR EDUC OPPORTUNITIES</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>PARKER FAMILY HEALTH CENTER</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>221 SHREWSBURY AVENUE</AddressLine1Txt>
            <CityNm>RED BANK</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07701</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>ANNUAL GOLF OUTING</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>SCHOOL OF ROCK</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>485 BRICK BLVD</AddressLine1Txt>
            <CityNm>BRICK</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>08723</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>YOUNG MUSICIANS PROGRAM</GrantOrContributionPurposeTxt>
          <Amt>2000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>CHURCH OF ST CATHERINES</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>108 MIDDLETOWN ROAD</AddressLine1Txt>
            <CityNm>HOLMDEL</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07733</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>ACOUSTIC SYSTEM</GrantOrContributionPurposeTxt>
          <Amt>45000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>THE ARC OF MONMOUTH</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>1158 WAYSIDE ROAD</AddressLine1Txt>
            <CityNm>TINTON FALLS</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07712</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>THE B FOUNDATION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>101 ROCKLAND CIRCLE</AddressLine1Txt>
            <CityNm>WILMINGTON</CityNm>
            <StateAbbreviationCd>DE</StateAbbreviationCd>
            <ZIPCd>19803</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>CHILDHOOD CANCER RESEARCH</GrantOrContributionPurposeTxt>
          <Amt>2500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>306900</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>54322</ExclusionAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DividendsAndInterestFromSecDtl>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>89492</ExclusionAmt>
        </DividendsAndInterestFromSecDtl>
        <OtherInvestmentIncomeGrp>
          <ExclusionCd>15</ExclusionCd>
        </OtherInvestmentIncomeGrp>
        <GainSalesAstOthThanInvntryGrp>
          <RelatedOrExemptFunctionIncmAmt>321199</RelatedOrExemptFunctionIncmAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>143814</ExclusionAmt>
          <RelatedOrExemptFunctionIncmAmt>321199</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>465013</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="RetDoc1">
      <AccountingFeesDetail>
        <CategoryTxt>INDIRECT ACCOUNTING FEES</CategoryTxt>
        <Amt>22690</Amt>
        <NetInvestmentIncomeAmt>22690</NetInvestmentIncomeAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <GainLossSaleOtherAssetsSch documentId="RetDoc2">
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>THRU MORGAN STANLEY</AssetDesc>
        <AcquiredDt>2024-10</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-12</SoldDt>
        <GrossSalesPriceAmt>875393</GrossSalesPriceAmt>
        <BasisAmt>750762</BasisAmt>
        <TotalNetAmt>124631</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>THRU MORGAN STANLEY</AssetDesc>
        <AcquiredDt>2023-11</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-12</SoldDt>
        <GrossSalesPriceAmt>578668</GrossSalesPriceAmt>
        <BasisAmt>527898</BasisAmt>
        <TotalNetAmt>50770</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>THRU WELLS FARGO</AssetDesc>
        <AcquiredDt>2023-08</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-08</SoldDt>
        <GrossSalesPriceAmt>174010</GrossSalesPriceAmt>
        <BasisAmt>166392</BasisAmt>
        <TotalNetAmt>7618</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>THRU WELLS FARGO</AssetDesc>
        <AcquiredDt>2022-02</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-03</SoldDt>
        <GrossSalesPriceAmt>372153</GrossSalesPriceAmt>
        <BasisAmt>381183</BasisAmt>
        <TotalNetAmt>-9030</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>THRU WELLS FARGO</AssetDesc>
        <AcquiredDt>2022-11</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-08</SoldDt>
        <GrossSalesPriceAmt>4383</GrossSalesPriceAmt>
        <BasisAmt>4383</BasisAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>THRU WELLS FARGO</AssetDesc>
        <AcquiredDt>2023-05</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-04</SoldDt>
        <GrossSalesPriceAmt>1427271</GrossSalesPriceAmt>
        <BasisAmt>1400530</BasisAmt>
        <SalesExpenseAmt>26528</SalesExpenseAmt>
        <TotalNetAmt>213</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>THRU WELLS FARGO</AssetDesc>
        <AcquiredDt>2019-09</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-09</SoldDt>
        <GrossSalesPriceAmt>756259</GrossSalesPriceAmt>
        <BasisAmt>701850</BasisAmt>
        <TotalNetAmt>54409</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>THRU WELLS FARGO</AssetDesc>
        <AcquiredDt>2024-03</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-06</SoldDt>
        <GrossSalesPriceAmt>2360</GrossSalesPriceAmt>
        <BasisAmt>2154</BasisAmt>
        <TotalNetAmt>206</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>THRU WELLS FARGO</AssetDesc>
        <AcquiredDt>2021-12</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-06</SoldDt>
        <GrossSalesPriceAmt>95360</GrossSalesPriceAmt>
        <BasisAmt>76657</BasisAmt>
        <TotalNetAmt>18703</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>THRU GARDEN STATE</AssetDesc>
        <AcquiredDt>2022-01</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-12</SoldDt>
        <GrossSalesPriceAmt>498380</GrossSalesPriceAmt>
        <BasisAmt>494158</BasisAmt>
        <TotalNetAmt>4222</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>THRU WELLS FARGO</AssetDesc>
        <AcquiredDt>2024-01</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-12</SoldDt>
        <GrossSalesPriceAmt>69457</GrossSalesPriceAmt>
        <TotalNetAmt>69457</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
    </GainLossSaleOtherAssetsSch>
    <InvestmentsCorpBondsSchedule documentId="RetDoc3">
      <InvestmentsCorporateBondsGrp>
        <BondNm>CORPORATE &amp; FOREIGN BONDS - WF</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>TAXABLE BONDS GS 2499</BondNm>
        <EOYBookValueAmt>552676</EOYBookValueAmt>
        <EOYFMVAmt>541110</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
    </InvestmentsCorpBondsSchedule>
    <InvestmentsCorpStockSchedule documentId="RetDoc4">
      <InvestmentsCorporateStockGrp>
        <StockNm>STOCKS &amp; ETFS - WF</StockNm>
        <EOYBookValueAmt>1013566</EOYBookValueAmt>
        <EOYFMVAmt>689055</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>STOCKS &amp; ETFS-MS</StockNm>
        <EOYBookValueAmt>938750</EOYBookValueAmt>
        <EOYFMVAmt>862898</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>STOCKS &amp; ETFS - GSS</StockNm>
        <EOYBookValueAmt>427255</EOYBookValueAmt>
        <EOYFMVAmt>587509</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <InvestmentsOtherSchedule2 documentId="RetDoc5">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>MUTUAL FUNDS WF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>2090604</BookValueAmt>
        <EOYFMVAmt>2604029</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SUNOCO LP K1</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>14757</BookValueAmt>
        <EOYFMVAmt>36008</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>CLOSED/EXCH FDS MS</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>32397</BookValueAmt>
        <EOYFMVAmt>22708</EOYFMVAmt>
      </InvestmentsOtherGrp>
    </InvestmentsOtherSchedule2>
    <OtherExpensesSchedule documentId="RetDoc6">
      <OtherExpensesScheduleGrp>
        <Desc>EXPENSES</Desc>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>SOFTWARE &amp; WEB FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>580</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>580</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>LIABILITY INSURANCE</Desc>
        <RevenueAndExpensesPerBooksAmt>801</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>801</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>INVESTMENT FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>58590</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>58590</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>OFFICE SUPPLIES</Desc>
        <RevenueAndExpensesPerBooksAmt>20</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>20</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <TaxesSchedule documentId="RetDoc7">
      <TaxesDetail>
        <CategoryTxt>FOREIGN TAX WITHHELD</CategoryTxt>
        <Amt>116</Amt>
        <NetInvestmentIncomeAmt>116</NetInvestmentIncomeAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FOREIGN TAX WITHHELD</CategoryTxt>
        <Amt>727</Amt>
        <NetInvestmentIncomeAmt>727</NetInvestmentIncomeAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>