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          <PropertyDesc>3. CISCO SYS INC COM</PropertyDesc>
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          <PropertyDesc>1. ELI LILLY &amp; CO COM</PropertyDesc>
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          <PropertyDesc>1. LOCKHEED MARTIN CORPORATION COM</PropertyDesc>
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          <PropertyDesc>65.56 NYLI PINESTONE US EQUITY P</PropertyDesc>
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          <PropertyDesc>11.133 NYLI PINESTONE US EQUITY P</PropertyDesc>
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          <PropertyDesc>1. MASTERCARD INC CL A</PropertyDesc>
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          <SoldDt>2025-07-24</SoldDt>
          <GrossSalesPriceAmt>566</GrossSalesPriceAmt>
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        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>29. MERCK &amp; CO INC</PropertyDesc>
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        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1988.876 METWEST TOTAL RETURN BOND FD CL I</PropertyDesc>
          <SoldDt>2025-04-08</SoldDt>
          <GrossSalesPriceAmt>17880</GrossSalesPriceAmt>
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        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>3. MICROSOFT CORP COM</PropertyDesc>
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          <RecipientUSAddress>
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            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>21502</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
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          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
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          <RecipientBusinessName>
            <BusinessNameLine1Txt>ST PAUL'S LUTHERAN CHURCH</BusinessNameLine1Txt>
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          <RecipientUSAddress>
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            <CityNm>CUMBERLAND</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>21501</ZIPCd>
          </RecipientUSAddress>
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          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
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          </RecipientBusinessName>
          <RecipientUSAddress>
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            <CityNm>CUMBERLAND</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>21501</ZIPCd>
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          <RecipientFoundationStatusCd>GOV</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ALLEGANY HIGH SCHOOL</BusinessNameLine1Txt>
            <BusinessNameLine2Txt>ATTN SCOTT BAUER PRINCIPAL</BusinessNameLine2Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
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            <CityNm>CUMBERLAND</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>21502</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
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        </GrantOrContributionPdDurYrGrp>
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        <MembershipDuesAndAssmntGrp />
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        <NetRntlIncmReNotDebtFincdProp />
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          <Desc>SECTION 897 CAPITA</Desc>
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        <SubtotalsIncmProducingActyGrp>
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        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
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        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
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        <EOYFMVAmt>67018</EOYFMVAmt>
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      <InvestmentsCorporateBondsGrp>
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        <EOYFMVAmt>242475</EOYFMVAmt>
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      <InvestmentsCorporateBondsGrp>
        <BondNm>AMERICAN BEACON SIM H/Y-INS</BondNm>
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        <EOYFMVAmt>16752</EOYFMVAmt>
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        <EOYFMVAmt>3716</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ADOBE INC</StockNm>
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        <EOYFMVAmt>1760</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>AIR PRODUCTS &amp; CHEMICALS INC</StockNm>
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        <EOYFMVAmt>1908</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>AMAZON.COM INC</StockNm>
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        <EOYFMVAmt>16272</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
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        <EOYFMVAmt>3234</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ANALOG DEVICES INC</StockNm>
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        <EOYFMVAmt>6218</EOYFMVAmt>
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        <EOYFMVAmt>24132</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>AVALONBAY COMMUNITIES INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>BANK AMER CORP</StockNm>
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        <EOYFMVAmt>9523</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>CMS ENERGY CORP COM</StockNm>
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        <EOYFMVAmt>3146</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>CISCO SYSTEMS INC</StockNm>
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        <EOYFMVAmt>3603</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>COSTCO WHOLESALE CORP COM</StockNm>
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        <EOYFMVAmt>8462</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>DANAHER CORP COM</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>DEERE &amp; CO COMMON</StockNm>
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        <EOYFMVAmt>6336</EOYFMVAmt>
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        <StockNm>WALT DISNEY CO</StockNm>
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        <EOYFMVAmt>5866</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>EOG RESOURCES INC COM</StockNm>
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        <EOYFMVAmt>4261</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>HOME DEPOT INC COM</StockNm>
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        <EOYFMVAmt>5244</EOYFMVAmt>
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        <StockNm>ISHARES RUSSELL 1000 VALUE ETF</StockNm>
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        <EOYFMVAmt>66837</EOYFMVAmt>
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        <StockNm>JPMORGAN CHASE &amp; CO</StockNm>
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        <EOYFMVAmt>15295</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ELI LILLY &amp; CO</StockNm>
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        <EOYFMVAmt>8297</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>LOCKHEED MARTIN CORPORATION CO</StockNm>
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        <EOYFMVAmt>3805</EOYFMVAmt>
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        <StockNm>MCDONALD'S CORPORATION</StockNm>
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        <EOYFMVAmt>2520</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>MICROSOFT CORP</StockNm>
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        <EOYFMVAmt>22805</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>MORGAN STANLEY GROUP INC</StockNm>
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        <EOYFMVAmt>5118</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>NVIDIA CORP COM</StockNm>
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        <EOYFMVAmt>28861</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ORACLE CORPORATION COM</StockNm>
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        <EOYFMVAmt>3456</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>PEPSICO INC COM</StockNm>
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        <EOYFMVAmt>1997</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>PROCTER &amp; GAMBLE CO COM</StockNm>
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        <EOYFMVAmt>2732</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>SHERWIN WILLIAMS CO COM</StockNm>
        <EOYBookValueAmt>1112</EOYBookValueAmt>
        <EOYFMVAmt>3192</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>TARGET CORP COM</StockNm>
        <EOYBookValueAmt>1383</EOYBookValueAmt>
        <EOYFMVAmt>2426</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>UNION PACIFIC CORP COM</StockNm>
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        <EOYFMVAmt>2351</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>UNITED PARCEL SERVICE CL B</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>UNITEDHEALTH GROUP INC</StockNm>
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        <EOYFMVAmt>2869</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES RUSSELL 1000 GROWTH ET</StockNm>
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        <EOYFMVAmt>75950</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES RUSSELL 2000 VALUE ETF</StockNm>
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        <EOYFMVAmt>32960</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>CHEVRON CORP</StockNm>
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        <EOYFMVAmt>5484</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>T ROWE PRICE LG-CAP GR FD CL I</StockNm>
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        <EOYFMVAmt>20968</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>MASTERCARD INC CL A</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ACCENTURE PLC- CL A</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>MERCK &amp; CO INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>TESLA INC.</StockNm>
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        <EOYFMVAmt>6887</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>AMERICAN TOWER CORP CL A</StockNm>
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      </InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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        <EOYFMVAmt>78459</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WILMINGTON GLOBAL ALPHA EQUITI</StockNm>
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        <EOYFMVAmt>42130</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>META PLATFORMS, INC-A</StockNm>
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        <EOYFMVAmt>10748</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>WCM FOCUSED INT'L GR FR CL INS</StockNm>
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        <EOYFMVAmt>89369</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES CORE MSCI EMERGING</StockNm>
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        <EOYFMVAmt>20027</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ABBVIE INC</StockNm>
        <EOYBookValueAmt>2923</EOYBookValueAmt>
        <EOYFMVAmt>4460</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES MSCI USA QUALITY FACTO</StockNm>
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        <EOYFMVAmt>77324</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ALPHABET INC CL C</StockNm>
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        <EOYFMVAmt>24713</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>BLACKROCK EVENT DRIVEN EQ FD C</StockNm>
        <EOYBookValueAmt>39242</EOYBookValueAmt>
        <EOYFMVAmt>40830</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>JOHNSON CONTROLS INTERNATIONAL</StockNm>
        <EOYBookValueAmt>2005</EOYBookValueAmt>
        <EOYFMVAmt>4651</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>HARBOR LG-CAP VALUE FD CL RET</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>BAILLIE GIFFORD EMERG MKTS CL</StockNm>
        <EOYBookValueAmt>28501</EOYBookValueAmt>
        <EOYFMVAmt>40277</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>BOOKING HOLDINGS INC</StockNm>
        <EOYBookValueAmt>401</EOYBookValueAmt>
        <EOYFMVAmt>5002</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>BROADCOM INC</StockNm>
        <EOYBookValueAmt>1656</EOYBookValueAmt>
        <EOYFMVAmt>16234</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>NVENT ELECTRIC PLC</StockNm>
        <EOYBookValueAmt>2898</EOYBookValueAmt>
        <EOYFMVAmt>3817</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>AMG RIVER RD SM-CAP VALUE FD C</StockNm>
        <EOYBookValueAmt>9680</EOYBookValueAmt>
        <EOYFMVAmt>15683</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>COLUMBIA OVERSEAS VALUE-I3</StockNm>
        <EOYBookValueAmt>63668</EOYBookValueAmt>
        <EOYFMVAmt>96717</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>PZENA EMERG MKTS VALUE FD CL I</StockNm>
        <EOYBookValueAmt>14062</EOYBookValueAmt>
        <EOYFMVAmt>20564</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>FT BHVRL SM CAP GRW-R6</StockNm>
        <EOYBookValueAmt>18281</EOYBookValueAmt>
        <EOYFMVAmt>23746</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>NYLI PINESTONE US EQUITY P</StockNm>
        <EOYBookValueAmt>29473</EOYBookValueAmt>
        <EOYFMVAmt>33985</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>BLACKROCK INC</StockNm>
        <EOYBookValueAmt>1643</EOYBookValueAmt>
        <EOYFMVAmt>5595</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>EQUINIX INC REIT</StockNm>
        <EOYBookValueAmt>3337</EOYBookValueAmt>
        <EOYFMVAmt>3284</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>UBER TECHNOLOGIES INC</StockNm>
        <EOYBookValueAmt>2897</EOYBookValueAmt>
        <EOYFMVAmt>3362</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>T ROWE PRICE US EQUITY RESEARC</StockNm>
        <EOYBookValueAmt>35997</EOYBookValueAmt>
        <EOYFMVAmt>41025</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <OtherDecreasesSchedule documentId="OtherDecreasesSchedule">
      <OtherDecreasesDetail>
        <Desc>2025 TRANSACTIONS POSTED IN 2026</Desc>
        <Amt>1623</Amt>
      </OtherDecreasesDetail>
      <OtherDecreasesDetail>
        <Desc>ROUNDING</Desc>
        <Amt>1</Amt>
      </OtherDecreasesDetail>
    </OtherDecreasesSchedule>
    <OtherIncomeSchedule2 documentId="OtherIncomeSchedule2">
      <OtherIncomeDetail>
        <Desc>FEDERAL TAX REFUND</Desc>
        <RevenueAndExpensesPerBooksAmt>588</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
      </OtherIncomeDetail>
      <OtherIncomeDetail>
        <Desc>SECTION 897 CAPITAL GAIN</Desc>
        <RevenueAndExpensesPerBooksAmt>8</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>8</NetInvestmentIncomeAmt>
      </OtherIncomeDetail>
    </OtherIncomeSchedule2>
    <OtherIncreasesSchedule documentId="OtherIncreasesSchedule">
      <OtherIncreasesDetail>
        <Desc>2024 TRANSACTIONS POSTED IN 2025</Desc>
        <Amt>1511</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
    <TaxesSchedule documentId="TaxesSchedule">
      <TaxesDetail>
        <CategoryTxt>FEDERAL TAX PAYMENT - PRIOR YE</CategoryTxt>
        <Amt>1883</Amt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>ESTIMATED TAX PAYMENTS</CategoryTxt>
        <Amt>962</Amt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FOREIGN TAXES ON QUALIFIED FOR</CategoryTxt>
        <Amt>491</Amt>
        <NetInvestmentIncomeAmt>491</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FOREIGN TAXES ON NONQUALIFIED</CategoryTxt>
        <Amt>196</Amt>
        <NetInvestmentIncomeAmt>196</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>