<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2023v5.0">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2024-07-15T14:55:22-04:00</ReturnTs>
    <TaxPeriodEndDt>2023-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>042836739</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>ADLER BLANCHARD &amp; ASSOCIATES LLP</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>27 CAMBRIDGE ST STE 201</AddressLine1Txt>
        <CityNm>BURLINGTON</CityNm>
        <StateAbbreviationCd>MA</StateAbbreviationCd>
        <ZIPCd>01803</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2023-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>043541231</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>ROBERT W MURRAY CHARITABLE FOUNDAT</BusinessNameLine1Txt>
      </BusinessName>
      <BusinessNameControlTxt>ROBE</BusinessNameControlTxt>
      <PhoneNum>7812731000</PhoneNum>
      <USAddress>
        <AddressLine1Txt>27 CAMBRIDGE STREET</AddressLine1Txt>
        <CityNm>BURLINGTON</CityNm>
        <StateAbbreviationCd>MA</StateAbbreviationCd>
        <ZIPCd>01803</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>ROBERT W MURRAY</PersonNm>
      <PersonTitleTxt>TRUSTEE</PersonTitleTxt>
      <SignatureDt>2024-07-03</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <SigningOfficerGrp>
      <PersonFullName>
        <PersonFirstNm>ROBERT</PersonFirstNm>
        <PersonLastNm>MURRAY</PersonLastNm>
      </PersonFullName>
      <SSN>XXX-XX-XXXX</SSN>
    </SigningOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>false</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>SCOTT ADLER</PreparerPersonNm>
      <PTIN>P00851766</PTIN>
      <PhoneNum>7812730075</PhoneNum>
      <PreparationDt>2024-07-15</PreparationDt>
      <SelfEmployedInd>X</SelfEmployedInd>
    </PreparerPersonGrp>
    <TaxYr>2023</TaxYr>
    <BuildTS>2023-04-26 12:10:37Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="9">
    <IRS990PF documentId="RetDoc10">
      <AddressChangeInd>X</AddressChangeInd>
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>6331152</FMVAssetsEOYAmt>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <AnalysisOfRevenueAndExpenses>
        <ContriRcvdRevAndExpnssAmt>281600</ContriRcvdRevAndExpnssAmt>
        <DividendsRevAndExpnssAmt>53948</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>53948</DividendsNetInvstIncmAmt>
        <NetGainSaleAstRevAndExpnssAmt>-24790</NetGainSaleAstRevAndExpnssAmt>
        <GrossSalesPriceAmt>6763</GrossSalesPriceAmt>
        <OtherIncomeRevAndExpnssAmt referenceDocumentId="RetDoc6">73</OtherIncomeRevAndExpnssAmt>
        <OtherIncomeAdjNetIncmAmt>73</OtherIncomeAdjNetIncmAmt>
        <TotalRevAndExpnssAmt>310831</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>53948</TotalNetInvstIncmAmt>
        <TotalAdjNetIncmAmt>73</TotalAdjNetIncmAmt>
        <AccountingFeesRevAndExpnssAmt referenceDocumentId="RetDoc2">3775</AccountingFeesRevAndExpnssAmt>
        <AccountingFeesNetInvstIncmAmt>3775</AccountingFeesNetInvstIncmAmt>
        <OtherProfFeesRevAndExpnssAmt referenceDocumentId="RetDoc7">16374</OtherProfFeesRevAndExpnssAmt>
        <OtherProfFeesNetInvstIncmAmt>16374</OtherProfFeesNetInvstIncmAmt>
        <TaxesRevAndExpnssAmt referenceDocumentId="RetDoc8">328</TaxesRevAndExpnssAmt>
        <TaxesNetInvstIncmAmt>328</TaxesNetInvstIncmAmt>
        <OtherExpensesRevAndExpnssAmt referenceDocumentId="RetDoc5">6</OtherExpensesRevAndExpnssAmt>
        <OtherExpensesNetInvstIncmAmt>6</OtherExpensesNetInvstIncmAmt>
        <TotOprExpensesRevAndExpnssAmt>20483</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>20483</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>0</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>256000</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>256000</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>276483</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>20483</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>256000</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>34348</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>33465</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>73</AdjustedNetIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <CashEOYAmt>-6</CashEOYAmt>
        <SavAndTempCashInvstBOYAmt>142031</SavAndTempCashInvstBOYAmt>
        <SavAndTempCashInvstEOYAmt>82722</SavAndTempCashInvstEOYAmt>
        <SavAndTempCashInvstEOYFMVAmt>82722</SavAndTempCashInvstEOYFMVAmt>
        <AcctRcvblAmt>12320</AcctRcvblAmt>
        <AcctRcvblBOYAmt>10120</AcctRcvblBOYAmt>
        <AcctRcvblEOYAmt>12320</AcctRcvblEOYAmt>
        <AcctRcvblEOYFMVAmt>12320</AcctRcvblEOYFMVAmt>
        <CorporateStockBOYAmt>1223937</CorporateStockBOYAmt>
        <CorporateStockEOYAmt referenceDocumentId="RetDoc4">1311113</CorporateStockEOYAmt>
        <CorporateStockEOYFMVAmt>6097493</CorporateStockEOYFMVAmt>
        <CorporateBondsBOYAmt>199824</CorporateBondsBOYAmt>
        <CorporateBondsEOYAmt referenceDocumentId="RetDoc3">204111</CorporateBondsEOYAmt>
        <CorporateBondsEOYFMVAmt>138617</CorporateBondsEOYFMVAmt>
        <TotalAssetsBOYAmt>1575912</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>1610260</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>6331152</TotalAssetsEOYFMVAmt>
        <TotalLiabilitiesEOYAmt>0</TotalLiabilitiesEOYAmt>
        <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
        <NoDonorRstrNetAssestsBOYAmt>1575912</NoDonorRstrNetAssestsBOYAmt>
        <NoDonorRstrNetAssestsEOYAmt>1610260</NoDonorRstrNetAssestsEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>1575912</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>1610260</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>1575912</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>1610260</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>1575912</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>34348</ExcessRevenueOverExpensesAmt>
        <SubtotalAmt>1610260</SubtotalAmt>
        <TotNetAstOrFundBalancesEOYAmt>1610260</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <CapGainsLossTxInvstIncmDetail>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>FIDELITY LT CVD</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2019-02-21</AcquiredDt>
          <SoldDt>2023-10-04</SoldDt>
          <GrossSalesPriceAmt>6763</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>7027</CostOrOtherBasisAmt>
          <GainOrLossAmt>-264</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-264</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>SPDR</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2019-02-21</AcquiredDt>
          <SoldDt>2023-12-31</SoldDt>
          <CostOrOtherBasisAmt>24526</CostOrOtherBasisAmt>
          <GainOrLossAmt>-24526</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-24526</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapitalGainNetIncomeAmt>-24790</CapitalGainNetIncomeAmt>
      </CapGainsLossTxInvstIncmDetail>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>465</InvestmentIncomeExciseTaxAmt>
        <SubtotalAmt>465</SubtotalAmt>
        <TaxBasedOnInvestmentIncomeAmt>465</TaxBasedOnInvestmentIncomeAmt>
        <TaxDueAmt>465</TaxDueAmt>
      </ExciseTaxBasedOnInvstIncmGrp>
      <StatementsRegardingActyGrp>
        <LegislativePoliticalActyInd>false</LegislativePoliticalActyInd>
        <MoreThan100SpentInd>false</MoreThan100SpentInd>
        <Form1120POLFiledInd>false</Form1120POLFiledInd>
        <ActivitiesNotPreviouslyRptInd>false</ActivitiesNotPreviouslyRptInd>
        <ChangesToArticlesOrBylawsInd>false</ChangesToArticlesOrBylawsInd>
        <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
        <OrganizationDissolvedEtcInd>false</OrganizationDissolvedEtcInd>
        <Section508eRqrSatisfiedInd>true</Section508eRqrSatisfiedInd>
        <AtLeast5000InAssetsInd>true</AtLeast5000InAssetsInd>
        <OrgReportOrRegisterStateCd>MA</OrgReportOrRegisterStateCd>
        <Form990PFFiledWithAttyGenInd>true</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>false</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>false</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
        <IndividualWithBooksNm>ROBERT W MURRAY</IndividualWithBooksNm>
        <PhoneNum>7812731000</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>27 CAMBRIDGE STREET</AddressLine1Txt>
          <CityNm>BURLINGTON</CityNm>
          <StateAbbreviationCd>MA</StateAbbreviationCd>
          <ZIPCd>01803</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>
        <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>ROBERT W MURRAY</PersonNm>
          <USAddress>
            <AddressLine1Txt>20 ROWES WHARF 709</AddressLine1Txt>
            <CityNm>BOSTON</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>02110</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>000.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SumOfProgramRelatedInvstGrp>
        <Description1Txt>N/A</Description1Txt>
      </SumOfProgramRelatedInvstGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>5338023</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>139319</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>5477342</TotalFMVOfUnusedAssetsAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>5477342</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>82160</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>5395182</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>269759</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>269759</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>465</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>465</TotalTaxAmt>
        <DistributableBeforeAdjAmt>269294</DistributableBeforeAdjAmt>
        <DistributableBeforeDedAmt>269294</DistributableBeforeDedAmt>
        <DistributableAsAdjustedAmt>269294</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>256000</ExpensesAndContributionsAmt>
        <QualifyingDistributionsAmt>256000</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>269294</DistributableAsAdjustedAmt>
        <ExcessDistributionCyovYr5Amt>142900</ExcessDistributionCyovYr5Amt>
        <ExcessDistributionCyovYr4Amt>42088</ExcessDistributionCyovYr4Amt>
        <ExcessDistributionCyovYr3Amt>50318</ExcessDistributionCyovYr3Amt>
        <ExcessDistributionCyovYr2Amt>215867</ExcessDistributionCyovYr2Amt>
        <ExcessDistributionCyovYr1Amt>194134</ExcessDistributionCyovYr1Amt>
        <TotalExcessDistributionCyovAmt>645307</TotalExcessDistributionCyovAmt>
        <QualifyingDistributionsAmt>256000</QualifyingDistributionsAmt>
        <AppliedToCurrentYearAmt>256000</AppliedToCurrentYearAmt>
        <ExcessDistriCyovAppCYCorpusAmt>13294</ExcessDistriCyovAppCYCorpusAmt>
        <ExcessDistributionCyovAppCYAmt>13294</ExcessDistributionCyovAppCYAmt>
        <TotalCorpusAmt>632013</TotalCorpusAmt>
        <UndistributedIncomeCYAmt>0</UndistributedIncomeCYAmt>
        <ExcessDistriCyovFromYr5Amt>129606</ExcessDistriCyovFromYr5Amt>
        <ExcessDistriCyovToNextYrAmt>502407</ExcessDistriCyovToNextYrAmt>
        <ExcessFromYear4Amt>42088</ExcessFromYear4Amt>
        <ExcessFromYear3Amt>50318</ExcessFromYear3Amt>
        <ExcessFromYear2Amt>215867</ExcessFromYear2Amt>
        <ExcessFromYear1Amt>194134</ExcessFromYear1Amt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <OnlyContriToPreselectedInd>X</OnlyContriToPreselectedInd>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>BOYS AND GIRLS CLUB OF WOBURN</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>CHARLES GARDENER LANE</AddressLine1Txt>
            <CityNm>WOBURN</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01801</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>N/A</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>UNRESTRICTED GIFT</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>LAHEY CLINIC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>MALL ROAD</AddressLine1Txt>
            <CityNm>BURLINGTON</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01803</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>N/A</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>UNRESTRICTED GIFT</GrantOrContributionPurposeTxt>
          <Amt>45000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>MASSACHUSETTS GENERAL HOSPITAL</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>FRUIT STREET</AddressLine1Txt>
            <CityNm>BOSTON</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>02109</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>N/A</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>UNRESTRICTED GIFT</GrantOrContributionPurposeTxt>
          <Amt>55000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>OLD NORTH FOUNDATION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>193 SALEM STREET</AddressLine1Txt>
            <CityNm>BOSTON</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>02113</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>N/A</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>UNRESTRICTED GIFT</GrantOrContributionPurposeTxt>
          <Amt>500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>PACIFIC LEGAL FOUNDATION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>3900 LENNANE DRIVE STE 20</AddressLine1Txt>
            <CityNm>SACRAMENTO</CityNm>
            <StateAbbreviationCd>CA</StateAbbreviationCd>
            <ZIPCd>95834</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>N/A</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>UNRESTRICTED GIFT</GrantOrContributionPurposeTxt>
          <Amt>15000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>SHRINERS HOSPITAL FOR CHILDREN</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>51 BLOSSOM STREET</AddressLine1Txt>
            <CityNm>BOSTON</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>02114</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>N/A</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>UNRESTRICTED GIFT</GrantOrContributionPurposeTxt>
          <Amt>15000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>WINCHESTER HOSPITAL</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>41 HIGHLAND AVE</AddressLine1Txt>
            <CityNm>WINCHESTER</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01890</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>N/A</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>UNRESTRICTED GIFT</GrantOrContributionPurposeTxt>
          <Amt>35000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>PINE STREET INN</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>444 HARRISON AVE</AddressLine1Txt>
            <CityNm>BOSTON</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>02118</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>N/A</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>UNRESTRICTED GIFT</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>WOBURN YMCA</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>137 LEXINGTON STREET</AddressLine1Txt>
            <CityNm>WOBURN</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01801</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>N/A</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>UNRESTRICTED GIFT</GrantOrContributionPurposeTxt>
          <Amt>3500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>FRANCISCAN HOSPITAL FOR CHILDREN</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>30 WARREN STREET</AddressLine1Txt>
            <CityNm>BRIGHTON</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>02135</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>N/A</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>UNRESTRICTED GIFT</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>WOBURN COUNCIL OF SOCIAL CONCERN</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>2 MERRIMAC ST</AddressLine1Txt>
            <CityNm>WOBURN</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01801</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>N/A</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>UNRESTRICTED GIFT</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ROSIE'S PLACE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>889 HARRISON AVE</AddressLine1Txt>
            <CityNm>BOSTON</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>02118</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>N/A</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>UNRESTRICTED GIFT</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>BURLINGTON COMMUNITY SCHOLARSHIP</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 1205</AddressLine1Txt>
            <CityNm>BURLINGTON</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01803</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>N/A</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>UNRESTRICTED GIFT</GrantOrContributionPurposeTxt>
          <Amt>60000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>256000</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <DividendsAndInterestFromSecDtl>
          <RelatedOrExemptFunctionIncmAmt>53948</RelatedOrExemptFunctionIncmAmt>
        </DividendsAndInterestFromSecDtl>
        <GainSalesAstOthThanInvntryGrp>
          <RelatedOrExemptFunctionIncmAmt>-24790</RelatedOrExemptFunctionIncmAmt>
        </GainSalesAstOthThanInvntryGrp>
        <OtherRevenueDescribedGrp>
          <Desc>OTHER MISC INCOME</Desc>
          <ExclusionCd>1</ExclusionCd>
          <ExclusionAmt>73</ExclusionAmt>
        </OtherRevenueDescribedGrp>
        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>73</ExclusionAmt>
          <RelatedOrExemptFunctionIncmAmt>29158</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>29231</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="RetDoc1">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <GeneralRuleInd>X</GeneralRuleInd>
      <ContributorInformationGrp>
        <ContributorNum>1</ContributorNum>
        <ContributorPersonNm>R0BERT W MURRAY</ContributorPersonNm>
        <ContributorUSAddress>
          <AddressLine1Txt>20 ROWES WHARF APT 709</AddressLine1Txt>
          <CityNm>BOSTON</CityNm>
          <StateAbbreviationCd>MA</StateAbbreviationCd>
          <ZIPCd>02110</ZIPCd>
        </ContributorUSAddress>
        <TotalContributionsAmt>281600</TotalContributionsAmt>
        <PersonContributionInd>X</PersonContributionInd>
        <NoncashContributionInd>X</NoncashContributionInd>
      </ContributorInformationGrp>
      <NonCashPropertyContributionGrp>
        <ContributorNum>1</ContributorNum>
        <NoncashPropertyDesc>10000SHARES LEADER BANCORP INC</NoncashPropertyDesc>
        <FairMarketValueAmt>81600</FairMarketValueAmt>
        <ReceivedDt>2023-10-23</ReceivedDt>
      </NonCashPropertyContributionGrp>
    </IRS990ScheduleB>
    <AccountingFeesSchedule documentId="RetDoc2">
      <AccountingFeesDetail>
        <CategoryTxt>ADLER BLANCHARD</CategoryTxt>
        <Amt>3775</Amt>
        <NetInvestmentIncomeAmt>3775</NetInvestmentIncomeAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <InvestmentsCorpBondsSchedule documentId="RetDoc3">
      <InvestmentsCorporateBondsGrp>
        <BondNm>FIDELITY ADVISOR TOTAL BOND CL Z</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>LORD ABBETT SHORT DURATION INCOME CL</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>GOLDMAN SACHS GLOBAL INCOME INSTITUT</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>PUTNAM SHORT DURATION INCOME CL Y</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>SPDR PORTFOLIO ST CORPORATE BOND</BondNm>
        <EOYBookValueAmt>41295</EOYBookValueAmt>
        <EOYFMVAmt>40142</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>SPDR SERIES TRUST SPDR BLOOMBERG</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>BANK OF AMERICA CORP</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>BROOKLINE BANKCORP INC DEL COM</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES CORE US AGGREGATE BOND ETF</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES CORE US AGGREGATE BOND ETF</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES TRUST 1-3 YR TREASURY BOND</BondNm>
        <EOYBookValueAmt>18184</EOYBookValueAmt>
        <EOYFMVAmt>17288</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES TR INTRM GOV CR ETF</BondNm>
        <EOYBookValueAmt>17339</EOYBookValueAmt>
        <EOYFMVAmt>15637</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>LAS VEGAS SANDS CORP COM</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>PEOPLES UTD FINL INC COM</BondNm>
        <EOYBookValueAmt>65388</EOYBookValueAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>VANGUARD BD INDEX FDS TOTAL BND MRKT</BondNm>
        <EOYBookValueAmt>55077</EOYBookValueAmt>
        <EOYFMVAmt>58242</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES CORE US AGGREGATE BOND ETF</BondNm>
        <EOYBookValueAmt>6828</EOYBookValueAmt>
        <EOYFMVAmt>7308</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
    </InvestmentsCorpBondsSchedule>
    <InvestmentsCorpStockSchedule documentId="RetDoc4">
      <InvestmentsCorporateStockGrp>
        <StockNm>SPDR PORTFOLIO DEVELOPED WORLD</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>M&amp;T BANK CORP COM</StockNm>
        <EOYBookValueAmt>56174</EOYBookValueAmt>
        <EOYFMVAmt>115317</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>LEADER BANCORP INC</StockNm>
        <EOYBookValueAmt>452360</EOYBookValueAmt>
        <EOYFMVAmt>4620000</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>LAS VEGAS SANDS CORP COM</StockNm>
        <EOYBookValueAmt>58958</EOYBookValueAmt>
        <EOYFMVAmt>55074</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES TRUST CORE MSCI EAFE ETF</StockNm>
        <EOYBookValueAmt>109723</EOYBookValueAmt>
        <EOYFMVAmt>141719</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES TR RUS TP200 GR ETF</StockNm>
        <EOYBookValueAmt>124915</EOYBookValueAmt>
        <EOYFMVAmt>347134</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES TR RUS MID CAP ETF</StockNm>
        <EOYBookValueAmt>102859</EOYBookValueAmt>
        <EOYFMVAmt>196430</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES S&amp;P 500</StockNm>
        <EOYBookValueAmt>138770</EOYBookValueAmt>
        <EOYFMVAmt>191212</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>GATEWAY FUND CLASS Y</StockNm>
        <EOYBookValueAmt>34563</EOYBookValueAmt>
        <EOYFMVAmt>45612</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>CONSUMER STAPLES SELECT SECTOR SPDR</StockNm>
        <EOYBookValueAmt>28359</EOYBookValueAmt>
        <EOYFMVAmt>36683</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>BROOKLINE BANCORP INC DEL COM</StockNm>
        <EOYBookValueAmt>102521</EOYBookValueAmt>
        <EOYFMVAmt>115347</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>BANK OF AMERICA CORP</StockNm>
        <EOYBookValueAmt>101911</EOYBookValueAmt>
        <EOYFMVAmt>232965</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <OtherExpensesSchedule documentId="RetDoc5">
      <OtherExpensesScheduleGrp>
        <Desc>EXPENSES</Desc>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>FILING FEE</Desc>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>STOCK SALE FEE</Desc>
        <RevenueAndExpensesPerBooksAmt>6</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>6</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncomeSchedule2 documentId="RetDoc6">
      <OtherIncomeDetail>
        <Desc>OTHER MISC INCOME</Desc>
        <RevenueAndExpensesPerBooksAmt>73</RevenueAndExpensesPerBooksAmt>
        <AdjustedNetIncomeAmt>73</AdjustedNetIncomeAmt>
      </OtherIncomeDetail>
    </OtherIncomeSchedule2>
    <OtherProfessionalFeesSchedule documentId="RetDoc7">
      <OtherProfessionalFeesDetail>
        <CategoryTxt>ADVISORY FEES</CategoryTxt>
        <Amt>16374</Amt>
        <NetInvestmentIncomeAmt>16374</NetInvestmentIncomeAmt>
      </OtherProfessionalFeesDetail>
    </OtherProfessionalFeesSchedule>
    <TaxesSchedule documentId="RetDoc8">
      <TaxesDetail>
        <CategoryTxt>TAXES</CategoryTxt>
        <Amt>328</Amt>
        <NetInvestmentIncomeAmt>328</NetInvestmentIncomeAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>
