﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2023v5.1" xsi:schemaLocation="http://www.irs.gov/efile">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2024-11-14T13:26:48-08:00</ReturnTs>
    <TaxPeriodEndDt>2023-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>112632255</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>Saul N Friedman &amp; Company</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>1333 60th Street</AddressLine1Txt>
        <CityNm>Brooklyn</CityNm>
        <StateAbbreviationCd>NY</StateAbbreviationCd>
        <ZIPCd>11219</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2023-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>223697066</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>STERN FAMILY FOUNDATION</BusinessNameLine1Txt>
      </BusinessName>
      <BusinessNameControlTxt>STER</BusinessNameControlTxt>
      <PhoneNum>2123023400</PhoneNum>
      <USAddress>
        <AddressLine1Txt>514 MAITLAND AVENUE</AddressLine1Txt>
        <CityNm>TEANECK</CityNm>
        <StateAbbreviationCd>NJ</StateAbbreviationCd>
        <ZIPCd>07666</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>RONALD STERN</PersonNm>
      <PersonTitleTxt>Foundation Mgr.</PersonTitleTxt>
      <SignatureDt>2024-11-14</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>true</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>Samuel Engelman CPA</PreparerPersonNm>
      <PTIN>P01269116</PTIN>
      <PhoneNum>7182321111</PhoneNum>
    </PreparerPersonGrp>
    <TaxYr>2023</TaxYr>
    <BuildTS>2024-10-15 13:58:12Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="3">
    <IRS990PF documentId="IRS990PF" referenceDocumentId="GeneralExplanation BinaryAttachment.1" softwareId="23017517" softwareVersionNum="2023v5.1">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>287446</FMVAssetsEOYAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AnalysisOfRevenueAndExpenses>
        <ContriRcvdRevAndExpnssAmt>350000</ContriRcvdRevAndExpnssAmt>
        <InterestOnSavRevAndExpnssAmt>7109</InterestOnSavRevAndExpnssAmt>
        <InterestOnSavNetInvstIncmAmt>7109</InterestOnSavNetInvstIncmAmt>
        <TotalRevAndExpnssAmt>357109</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>7109</TotalNetInvstIncmAmt>
        <OtherExpensesRevAndExpnssAmt referenceDocumentId="OtherExpensesSchedule AmortizationSchedule">3</OtherExpensesRevAndExpnssAmt>
        <OtherExpensesNetInvstIncmAmt>3</OtherExpensesNetInvstIncmAmt>
        <TotOprExpensesRevAndExpnssAmt>3</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>3</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>0</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>312422</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>312422</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>312425</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>3</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>312422</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>44684</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>7106</NetInvestmentIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <CashBOYAmt>242762</CashBOYAmt>
        <CashEOYAmt>287446</CashEOYAmt>
        <CashEOYFMVAmt>287446</CashEOYFMVAmt>
        <TotalAssetsBOYAmt>242762</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>287446</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>287446</TotalAssetsEOYFMVAmt>
        <TotalLiabilitiesEOYAmt>0</TotalLiabilitiesEOYAmt>
        <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
        <RetainedEarningBOYAmt>242762</RetainedEarningBOYAmt>
        <RetainedEarningEOYAmt>287446</RetainedEarningEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>242762</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>287446</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>242762</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>287446</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>242762</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>44684</ExcessRevenueOverExpensesAmt>
        <SubtotalAmt>287446</SubtotalAmt>
        <TotNetAstOrFundBalancesEOYAmt>287446</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>99</InvestmentIncomeExciseTaxAmt>
        <SubtotalAmt>99</SubtotalAmt>
        <TaxBasedOnInvestmentIncomeAmt>99</TaxBasedOnInvestmentIncomeAmt>
        <TaxDueAmt>99</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>
        <Form990PFFiledWithAttyGenInd>true</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>false</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>false</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
        <PersonsWithBooksName>
          <BusinessNameLine1Txt>RONALD STERN</BusinessNameLine1Txt>
        </PersonsWithBooksName>
        <PhoneNum>2123023400</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>514 MAITLAND AVENUE</AddressLine1Txt>
          <CityNm>TEANECK</CityNm>
          <StateAbbreviationCd>NJ</StateAbbreviationCd>
          <ZIPCd>076662918</ZIPCd>
        </LocationOfBooksUSAddress>
        <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>RONALD STERN</PersonNm>
          <USAddress>
            <AddressLine1Txt>514 MAITLAND AVENUE</AddressLine1Txt>
            <CityNm>TEANECK</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>076662918</ZIPCd>
          </USAddress>
          <TitleTxt>Foundation Mgr.</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>BETH R STERN</PersonNm>
          <USAddress>
            <AddressLine1Txt>514 MAITLAND AVENUE</AddressLine1Txt>
            <CityNm>TEANECK</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>076662918</ZIPCd>
          </USAddress>
          <TitleTxt>Foundation Mgr.</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>0</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>210651</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>210651</TotalFMVOfUnusedAssetsAmt>
        <ReductionClaimedAmt>0</ReductionClaimedAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>210651</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>3160</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>207491</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>10375</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>10375</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>99</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>99</TotalTaxAmt>
        <DistributableBeforeAdjAmt>10276</DistributableBeforeAdjAmt>
        <DistributableBeforeDedAmt>10276</DistributableBeforeDedAmt>
        <DistributableAsAdjustedAmt>10276</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>312422</ExpensesAndContributionsAmt>
        <QualifyingDistributionsAmt>312422</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>10276</DistributableAsAdjustedAmt>
        <ExcessDistributionCyovYr5Amt>429914</ExcessDistributionCyovYr5Amt>
        <ExcessDistributionCyovYr4Amt>350917</ExcessDistributionCyovYr4Amt>
        <ExcessDistributionCyovYr3Amt>365206</ExcessDistributionCyovYr3Amt>
        <ExcessDistributionCyovYr2Amt>237861</ExcessDistributionCyovYr2Amt>
        <ExcessDistributionCyovYr1Amt>274098</ExcessDistributionCyovYr1Amt>
        <TotalExcessDistributionCyovAmt>1657996</TotalExcessDistributionCyovAmt>
        <QualifyingDistributionsAmt>312422</QualifyingDistributionsAmt>
        <TreatedAsDistriFromCorpusAmt>0</TreatedAsDistriFromCorpusAmt>
        <AppliedToCurrentYearAmt>10276</AppliedToCurrentYearAmt>
        <RemainingDistriFromCorpusAmt>302146</RemainingDistriFromCorpusAmt>
        <TotalCorpusAmt>1960142</TotalCorpusAmt>
        <UndistributedIncomeCYAmt>0</UndistributedIncomeCYAmt>
        <ExcessDistriCyovFromYr5Amt>429914</ExcessDistriCyovFromYr5Amt>
        <ExcessDistriCyovToNextYrAmt>1530228</ExcessDistriCyovToNextYrAmt>
        <ExcessFromYear4Amt>350917</ExcessFromYear4Amt>
        <ExcessFromYear3Amt>365206</ExcessFromYear3Amt>
        <ExcessFromYear2Amt>237861</ExcessFromYear2Amt>
        <ExcessFromYear1Amt>274098</ExcessFromYear1Amt>
        <ExcessFromCurrentYearAmt>302146</ExcessFromCurrentYearAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <ContributingManagerNm>RONALD STERN</ContributingManagerNm>
        <ContributingManagerNm>BETH R STERN</ContributingManagerNm>
        <OnlyContriToPreselectedInd>X</OnlyContriToPreselectedInd>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>SEE ATTACHED</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>SCHEDULE</AddressLine1Txt>
            <CityNm>BROOKLYN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>11204</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>EDUCATIONAL ASSISTANCE, ASSISTANCE FOR THE SICK AND NEEDY,MEDICAL ASSISTANCE, SYNAGOGUE ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>312422</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>312422</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>7109</ExclusionAmt>
        </IntOnSavAndTempCashInvstGrp>
        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>7109</ExclusionAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>7109</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>
    <IRS990ScheduleB documentId="IRS990ScheduleB" softwareId="23017517" softwareVersionNum="2023v5.1">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <GeneralRuleInd>X</GeneralRuleInd>
      <ContributorInformationGrp>
        <ContributorNum>1</ContributorNum>
        <ContributorPersonNm>RONALD STERN</ContributorPersonNm>
        <ContributorUSAddress>
          <AddressLine1Txt>514 MAITLAND AVENUE</AddressLine1Txt>
          <CityNm>TEANECK</CityNm>
          <StateAbbreviationCd>NJ</StateAbbreviationCd>
          <ZIPCd>076662918</ZIPCd>
        </ContributorUSAddress>
        <TotalContributionsAmt>350000</TotalContributionsAmt>
        <PersonContributionInd>X</PersonContributionInd>
      </ContributorInformationGrp>
    </IRS990ScheduleB>
    <OtherExpensesSchedule documentId="OtherExpensesSchedule" softwareId="23017517" softwareVersionNum="2023v5.1">
      <OtherExpensesScheduleGrp>
        <Desc>Fees</Desc>
        <RevenueAndExpensesPerBooksAmt>3</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>3</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
  </ReturnData>
</Return>