<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.irs.gov/efile" returnVersion="2023v5.0">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2024-04-04T08:57:44-05:00</ReturnTs>
    <TaxPeriodEndDt>2023-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>043138777</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>PKF JND PC</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>400 CROWN COLONY DRIVE SUITE 102</AddressLine1Txt>
        <CityNm>QUINCY</CityNm>
        <StateAbbreviationCd>MA</StateAbbreviationCd>
        <ZIPCd>02169</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2023-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>222775612</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>JOHN E ROSENTHAL CHARITABLE TRUST</BusinessNameLine1Txt>
      </BusinessName>
      <BusinessNameControlTxt>JOHN</BusinessNameControlTxt>
      <PhoneNum>6179652200</PhoneNum>
      <USAddress>
        <AddressLine1Txt>12 BROADWAY</AddressLine1Txt>
        <CityNm>BEVERLY</CityNm>
        <StateAbbreviationCd>MA</StateAbbreviationCd>
        <ZIPCd>01915</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>JOHN E ROSENTHAL</PersonNm>
      <PersonTitleTxt>TRUSTEE</PersonTitleTxt>
      <PhoneNum>6179652200</PhoneNum>
      <SignatureDt>2024-04-01</SignatureDt>
      <DiscussWithPaidPreparerInd>1</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <SigningOfficerGrp>
      <PersonFullName>
        <PersonFirstNm>JOHN</PersonFirstNm>
        <PersonLastNm>ROSENTHAL</PersonLastNm>
      </PersonFullName>
      <SSN>XXX-XX-XXXX</SSN>
    </SigningOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>0</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>GEORGE B JANES</PreparerPersonNm>
      <PTIN>P00967588</PTIN>
      <PhoneNum>6174220007</PhoneNum>
      <PreparationDt>2024-04-01</PreparationDt>
    </PreparerPersonGrp>
    <AdditionalFilerInformation>
      <TrustedCustomerGrp>
        <TrustedCustomerCd>2</TrustedCustomerCd>
        <AuthenticationAssuranceLevelCd>AAL1</AuthenticationAssuranceLevelCd>
        <IdentityAssuranceLevelCd>IAL1</IdentityAssuranceLevelCd>
      </TrustedCustomerGrp>
    </AdditionalFilerInformation>
    <TaxYr>2023</TaxYr>
    <BuildTS>2023-04-26 12:10:37Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="7">
    <IRS990PF documentId="RetDoc1235000001">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>740620</FMVAssetsEOYAmt>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <AnalysisOfRevenueAndExpenses>
        <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
        <DividendsRevAndExpnssAmt>18511</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>16943</DividendsNetInvstIncmAmt>
        <NetGainSaleAstRevAndExpnssAmt>-20528</NetGainSaleAstRevAndExpnssAmt>
        <GrossSalesPriceAmt>429217</GrossSalesPriceAmt>
        <CapGainNetIncmNetInvstIncmAmt>0</CapGainNetIncmNetInvstIncmAmt>
        <TotalRevAndExpnssAmt>-2017</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>16943</TotalNetInvstIncmAmt>
        <CompOfcrDirTrstRevAndExpnssAmt>0</CompOfcrDirTrstRevAndExpnssAmt>
        <CompOfcrDirTrstNetInvstIncmAmt>0</CompOfcrDirTrstNetInvstIncmAmt>
        <CompOfcrDirTrstDsbrsChrtblAmt>0</CompOfcrDirTrstDsbrsChrtblAmt>
        <AccountingFeesRevAndExpnssAmt referenceDocumentId="RetDoc2002200001">2300</AccountingFeesRevAndExpnssAmt>
        <AccountingFeesNetInvstIncmAmt>0</AccountingFeesNetInvstIncmAmt>
        <AccountingFeesChrtblPrpsAmt>2300</AccountingFeesChrtblPrpsAmt>
        <TaxesRevAndExpnssAmt referenceDocumentId="RetDoc2002500001">1409</TaxesRevAndExpnssAmt>
        <TaxesNetInvstIncmAmt>0</TaxesNetInvstIncmAmt>
        <TaxesDsbrsChrtblAmt>0</TaxesDsbrsChrtblAmt>
        <OtherExpensesRevAndExpnssAmt referenceDocumentId="RetDoc2003200001">6490</OtherExpensesRevAndExpnssAmt>
        <OtherExpensesNetInvstIncmAmt>6006</OtherExpensesNetInvstIncmAmt>
        <OtherExpensesDsbrsChrtblAmt>0</OtherExpensesDsbrsChrtblAmt>
        <TotOprExpensesRevAndExpnssAmt>10199</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>6006</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>2300</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>106000</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>106000</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>116199</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>6006</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>108300</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>-118216</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>10937</NetInvestmentIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <CashBOYAmt>21086</CashBOYAmt>
        <CashEOYAmt>71890</CashEOYAmt>
        <CashEOYFMVAmt>71890</CashEOYFMVAmt>
        <SavAndTempCashInvstBOYAmt>9017</SavAndTempCashInvstBOYAmt>
        <SavAndTempCashInvstEOYAmt>8786</SavAndTempCashInvstEOYAmt>
        <SavAndTempCashInvstEOYFMVAmt>8786</SavAndTempCashInvstEOYFMVAmt>
        <CorporateStockBOYAmt>799656</CorporateStockBOYAmt>
        <CorporateStockEOYAmt referenceDocumentId="RetDoc2018900001">641539</CorporateStockEOYAmt>
        <CorporateStockEOYFMVAmt>659944</CorporateStockEOYFMVAmt>
        <TotalAssetsBOYAmt>829759</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>722215</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>740620</TotalAssetsEOYFMVAmt>
        <OtherLiabilitiesBOYAmt referenceDocumentId="RetDoc2065700001">0</OtherLiabilitiesBOYAmt>
        <OtherLiabilitiesEOYAmt referenceDocumentId="RetDoc2065700001">72</OtherLiabilitiesEOYAmt>
        <TotalLiabilitiesBOYAmt>0</TotalLiabilitiesBOYAmt>
        <TotalLiabilitiesEOYAmt>72</TotalLiabilitiesEOYAmt>
        <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
        <CapitalStockBOYAmt>0</CapitalStockBOYAmt>
        <CapitalStockEOYAmt>0</CapitalStockEOYAmt>
        <AdditionalPaidInCapitalBOYAmt>0</AdditionalPaidInCapitalBOYAmt>
        <AdditionalPaidInCapitalEOYAmt>0</AdditionalPaidInCapitalEOYAmt>
        <RetainedEarningBOYAmt>829759</RetainedEarningBOYAmt>
        <RetainedEarningEOYAmt>722143</RetainedEarningEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>829759</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>722143</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>829759</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>722215</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>829759</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>-118216</ExcessRevenueOverExpensesAmt>
        <OtherIncreasesAmt referenceDocumentId="RetDoc2049700001">10600</OtherIncreasesAmt>
        <SubtotalAmt>722143</SubtotalAmt>
        <OtherDecreasesAmt>0</OtherDecreasesAmt>
        <TotNetAstOrFundBalancesEOYAmt>722143</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <CapGainsLossTxInvstIncmDetail>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ROCKLAND TRUST SALES OF SECURITIES - ST</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GrossSalesPriceAmt>22119</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>21465</CostOrOtherBasisAmt>
          <GainOrLossAmt>654</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>654</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ROCKLAND TRUST SALES OF SECURITIES - LT</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GrossSalesPriceAmt>406325</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>428280</CostOrOtherBasisAmt>
          <GainOrLossAmt>-21955</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-21955</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAINS DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GrossSalesPriceAmt>773</GrossSalesPriceAmt>
          <GainOrLossAmt>773</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>773</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapitalGainNetIncomeAmt>-20528</CapitalGainNetIncomeAmt>
      </CapGainsLossTxInvstIncmDetail>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>152</InvestmentIncomeExciseTaxAmt>
        <TaxUnderSection511Amt>0</TaxUnderSection511Amt>
        <SubtotalAmt>152</SubtotalAmt>
        <SubtitleATaxAmt>0</SubtitleATaxAmt>
        <TaxBasedOnInvestmentIncomeAmt>152</TaxBasedOnInvestmentIncomeAmt>
        <EstimatedPlusOvpmtIncmTxAmt>700</EstimatedPlusOvpmtIncmTxAmt>
        <ExemptFrgnOrgTaxWthldAtSrceAmt>0</ExemptFrgnOrgTaxWthldAtSrceAmt>
        <ExtsnRequestIncomeTaxPaidAmt>0</ExtsnRequestIncomeTaxPaidAmt>
        <BackupWithholdingWithheldAmt>0</BackupWithholdingWithheldAmt>
        <TotalPaymentsAndCreditsAmt>700</TotalPaymentsAndCreditsAmt>
        <EsPenaltyAmt>0</EsPenaltyAmt>
        <OverpaymentAmt>548</OverpaymentAmt>
        <AppliedToESTaxAmt>548</AppliedToESTaxAmt>
        <RefundAmt>0</RefundAmt>
      </ExciseTaxBasedOnInvstIncmGrp>
      <StatementsRegardingActyGrp>
        <LegislativePoliticalActyInd>0</LegislativePoliticalActyInd>
        <MoreThan100SpentInd>0</MoreThan100SpentInd>
        <Form1120POLFiledInd>0</Form1120POLFiledInd>
        <Section4955OrganizationTaxAmt>0</Section4955OrganizationTaxAmt>
        <Section4955ManagersTaxAmt>0</Section4955ManagersTaxAmt>
        <TaxReimbursedAmt>0</TaxReimbursedAmt>
        <ActivitiesNotPreviouslyRptInd>0</ActivitiesNotPreviouslyRptInd>
        <ChangesToArticlesOrBylawsInd>0</ChangesToArticlesOrBylawsInd>
        <UnrelatedBusIncmOverLimitInd>0</UnrelatedBusIncmOverLimitInd>
        <OrganizationDissolvedEtcInd>0</OrganizationDissolvedEtcInd>
        <Section508eRqrSatisfiedInd>1</Section508eRqrSatisfiedInd>
        <AtLeast5000InAssetsInd>1</AtLeast5000InAssetsInd>
        <OrgReportOrRegisterStateCd>MA</OrgReportOrRegisterStateCd>
        <Form990PFFiledWithAttyGenInd>1</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>0</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>0</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>0</OwnControlledEntityInd>
        <DonorAdvisedFundInd>0</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>1</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
        <IndividualWithBooksNm>JOHN E ROSENTHAL</IndividualWithBooksNm>
        <PhoneNum>6179652200</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>12 BROADWAY</AddressLine1Txt>
          <CityNm>BEVERLY</CityNm>
          <StateAbbreviationCd>MA</StateAbbreviationCd>
          <ZIPCd>01915</ZIPCd>
        </LocationOfBooksUSAddress>
        <ForeignAccountsQuestionInd>0</ForeignAccountsQuestionInd>
      </StatementsRegardingActyGrp>
      <StatementsRegardingActy4720Grp>
        <SaleOrExchDisqualifiedPrsnInd>0</SaleOrExchDisqualifiedPrsnInd>
        <BrrwOrLendDisqualifiedPrsnInd>0</BrrwOrLendDisqualifiedPrsnInd>
        <FurnGoodsDisqualifiedPrsnInd>0</FurnGoodsDisqualifiedPrsnInd>
        <PayCompDisqualifiedPrsnInd>0</PayCompDisqualifiedPrsnInd>
        <TransferAstDisqualifiedPrsnInd>0</TransferAstDisqualifiedPrsnInd>
        <PaymentToGovernmentOfficialInd>0</PaymentToGovernmentOfficialInd>
        <UncorrectedPriorActsInd>0</UncorrectedPriorActsInd>
        <UndistributedIncomePYInd>0</UndistributedIncomePYInd>
        <BusinessHoldingsInd>0</BusinessHoldingsInd>
        <JeopardyInvestmentsInd>0</JeopardyInvestmentsInd>
        <UncorrectedPYJeopardyInvstInd>0</UncorrectedPYJeopardyInvstInd>
        <InfluenceLegislationInd>0</InfluenceLegislationInd>
        <InfluenceElectionInd>0</InfluenceElectionInd>
        <GrantsToIndividualsInd>0</GrantsToIndividualsInd>
        <GrantsToOrganizationsInd>0</GrantsToOrganizationsInd>
        <NoncharitablePurposeInd>0</NoncharitablePurposeInd>
        <RcvFndsToPayPrsnlBnftCntrctInd>0</RcvFndsToPayPrsnlBnftCntrctInd>
        <PayPremiumsPrsnlBnftCntrctInd>0</PayPremiumsPrsnlBnftCntrctInd>
        <ProhibitedTaxShelterTransInd>0</ProhibitedTaxShelterTransInd>
        <SubjToTaxRmnrtnExPrchtPymtInd>0</SubjToTaxRmnrtnExPrchtPymtInd>
      </StatementsRegardingActy4720Grp>
      <OfficerDirTrstKeyEmplInfoGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>JOHN E ROSENTHAL</PersonNm>
          <USAddress>
            <AddressLine1Txt>11 WILEY STREET</AddressLine1Txt>
            <CityNm>GLOUCESTER</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01930</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>0.10</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <OtherEmployeePaidOver50kCnt>0</OtherEmployeePaidOver50kCnt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
        <ContractorPaidOver50kCnt>0</ContractorPaidOver50kCnt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SumOfProgramRelatedInvstGrp>
        <TotalAmt>0</TotalAmt>
      </SumOfProgramRelatedInvstGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>747619</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>60519</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>808138</TotalFMVOfUnusedAssetsAmt>
        <ReductionClaimedAmt>0</ReductionClaimedAmt>
        <AcquisitionIndebtednessAmt>0</AcquisitionIndebtednessAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>808138</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>12122</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>796016</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>39801</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>39801</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>152</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>152</TotalTaxAmt>
        <DistributableBeforeAdjAmt>39649</DistributableBeforeAdjAmt>
        <RecoveriesQualfiedDistriAmt>10600</RecoveriesQualfiedDistriAmt>
        <DistributableBeforeDedAmt>50249</DistributableBeforeDedAmt>
        <DeductionFromDistributableAmt>0</DeductionFromDistributableAmt>
        <DistributableAsAdjustedAmt>50249</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>108300</ExpensesAndContributionsAmt>
        <ProgramRelatedInvstTotalAmt>0</ProgramRelatedInvstTotalAmt>
        <QualifyingDistributionsAmt>108300</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>50249</DistributableAsAdjustedAmt>
        <UndistributedIncomePYAmt>0</UndistributedIncomePYAmt>
        <TotalForPriorYearsAmt>0</TotalForPriorYearsAmt>
        <ExcessDistributionCyovYr5Amt>214</ExcessDistributionCyovYr5Amt>
        <ExcessDistributionCyovYr4Amt>23</ExcessDistributionCyovYr4Amt>
        <ExcessDistributionCyovYr3Amt>83166</ExcessDistributionCyovYr3Amt>
        <ExcessDistributionCyovYr2Amt>177010</ExcessDistributionCyovYr2Amt>
        <ExcessDistributionCyovYr1Amt>78755</ExcessDistributionCyovYr1Amt>
        <TotalExcessDistributionCyovAmt>339168</TotalExcessDistributionCyovAmt>
        <QualifyingDistributionsAmt>108300</QualifyingDistributionsAmt>
        <AppliedToYear1Amt>0</AppliedToYear1Amt>
        <AppliedToPriorYearsAmt>0</AppliedToPriorYearsAmt>
        <TreatedAsDistriFromCorpusAmt>0</TreatedAsDistriFromCorpusAmt>
        <AppliedToCurrentYearAmt>50249</AppliedToCurrentYearAmt>
        <RemainingDistriFromCorpusAmt>58051</RemainingDistriFromCorpusAmt>
        <ExcessDistriCyovAppCYCorpusAmt>0</ExcessDistriCyovAppCYCorpusAmt>
        <ExcessDistributionCyovAppCYAmt>0</ExcessDistributionCyovAppCYAmt>
        <TotalCorpusAmt>397219</TotalCorpusAmt>
        <PriorYearUndistributedIncmAmt>0</PriorYearUndistributedIncmAmt>
        <PriorYearDeficiencyOrTaxAmt>0</PriorYearDeficiencyOrTaxAmt>
        <Taxable1Amt>0</Taxable1Amt>
        <Taxable2Amt>0</Taxable2Amt>
        <UndistributedIncomeCYAmt>0</UndistributedIncomeCYAmt>
        <CorpusDistri170b1EOr4942g3Amt>0</CorpusDistri170b1EOr4942g3Amt>
        <ExcessDistriCyovFromYr5Amt>214</ExcessDistriCyovFromYr5Amt>
        <ExcessDistriCyovToNextYrAmt>397005</ExcessDistriCyovToNextYrAmt>
        <ExcessFromYear4Amt>23</ExcessFromYear4Amt>
        <ExcessFromYear3Amt>83166</ExcessFromYear3Amt>
        <ExcessFromYear2Amt>177010</ExcessFromYear2Amt>
        <ExcessFromYear1Amt>78755</ExcessFromYear1Amt>
        <ExcessFromCurrentYearAmt>58051</ExcessFromCurrentYearAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <ContributingManagerNm>JOHN E ROSENTHAL</ContributingManagerNm>
        <ApplicationSubmissionInfoGrp>
          <RecipientPersonNm>JOHN E ROSENTHAL</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>12 BROADWAY</AddressLine1Txt>
            <CityNm>BEVERLY</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01915</ZIPCd>
          </RecipientUSAddress>
          <RecipientPhoneNum>6179652200</RecipientPhoneNum>
          <FormAndInfoAndMaterialsTxt>MAIL</FormAndInfoAndMaterialsTxt>
          <SubmissionDeadlinesTxt>NONE</SubmissionDeadlinesTxt>
          <RestrictionsOnAwardsTxt>NONE</RestrictionsOnAwardsTxt>
        </ApplicationSubmissionInfoGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>BU SCHOOL OF PUBLIC HEALTH</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>233 BAY STATE ROAD</AddressLine1Txt>
            <CityNm>BOSTON</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>02215</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>CHANGE THE REF INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>5745 NW 122 WAY</AddressLine1Txt>
            <CityNm>CORAL SPRINGS</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>33076</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>CONSERVATION LAW FOUNDATION INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>62 SUMMER STREET</AddressLine1Txt>
            <CityNm>BEVERLY</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01915</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>DANNY AND RON'S RESCUE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>341 CANTEY LANE</AddressLine1Txt>
            <CityNm>REMBERT</CityNm>
            <StateAbbreviationCd>SC</StateAbbreviationCd>
            <ZIPCd>29128</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ENVIRONMENTAL LEAGUE OF MASSACHUSETTS INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>15 COURT SQUARE NO 1000</AddressLine1Txt>
            <CityNm>BOSTON</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>02108</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>WILDLANDS CONSERVANCY INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>3701 ORCHID PLACE</AddressLine1Txt>
            <CityNm>EMMAUS</CityNm>
            <StateAbbreviationCd>PA</StateAbbreviationCd>
            <ZIPCd>18049</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>FREE SPEECH FOR PEOPLE INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>9 DAMONMILL SQ SUITE 4B</AddressLine1Txt>
            <CityNm>CONCORD</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01742</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>2500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>NATURAL RESOURCES DEFENSE COUNCIL INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>40 WEST 20TH STREET</AddressLine1Txt>
            <CityNm>NEW YORK</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>10011</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>THE OPEN DOOR CAPE ANN FOOD PANTRY INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>28 EMERSON AVENUE</AddressLine1Txt>
            <CityNm>GLOUCESTER</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01930</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>2500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>SURVIVORS EMPOWERED INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>RIVERTON WHARF</AddressLine1Txt>
            <CityNm>RIVERTON</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>21837</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>WELLSPRING COMMUNITY INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>143 MAIN STREET</AddressLine1Txt>
            <CityNm>SPRINGFIELD</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01105</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>25000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>GLOUCESTER FUND INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>45 MIDDLE STREET NO 2</AddressLine1Txt>
            <CityNm>GLOUCESTER</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01930</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>GLOBAL INITIATIVES INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>3 OLD BRAY STREET</AddressLine1Txt>
            <CityNm>GLOUCESTER</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01930</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL SUPPORT</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>106000</TotalGrantOrContriPdDurYrAmt>
        <TotalGrantOrContriApprvFutAmt>0</TotalGrantOrContriApprvFutAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <DividendsAndInterestFromSecDtl>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>18511</ExclusionAmt>
        </DividendsAndInterestFromSecDtl>
        <GainSalesAstOthThanInvntryGrp>
          <ExclusionCd>18</ExclusionCd>
          <ExclusionAmt>-20528</ExclusionAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <UnrelatedBusinessTaxblIncmAmt>0</UnrelatedBusinessTaxblIncmAmt>
          <ExclusionAmt>-2017</ExclusionAmt>
          <RelatedOrExemptFunctionIncmAmt>0</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>-2017</TotalIncomeProducingActyAmt>
      </AnalysisIncomeProducingActyGrp>
      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>0</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>0</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>0</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>0</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>0</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>0</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>0</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>0</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>0</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>0</RelationshipsNonchrtblEOInd>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <AccountingFeesSchedule documentId="RetDoc2002200001">
      <AccountingFeesDetail>
        <CategoryTxt>ACCOUNTING</CategoryTxt>
        <Amt>2300</Amt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>2300</DisbursementsCharitablePrpsAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <InvestmentsCorpStockSchedule documentId="RetDoc2018900001">
      <InvestmentsCorporateStockGrp>
        <StockNm>140 SHS ALPHABET INC</StockNm>
        <EOYBookValueAmt>18535</EOYBookValueAmt>
        <EOYFMVAmt>19557</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>913.84 SHS PIMCO HIGH YIELD SPECTRUM FUND</StockNm>
        <EOYBookValueAmt>9020</EOYBookValueAmt>
        <EOYFMVAmt>8234</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>67 SHS COPART INC</StockNm>
        <EOYBookValueAmt>2376</EOYBookValueAmt>
        <EOYFMVAmt>3283</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>726.289 SHS BRIGHT ROCK MID CAP GROWTH FUND</StockNm>
        <EOYBookValueAmt>17273</EOYBookValueAmt>
        <EOYFMVAmt>16538</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>830.885 SHS CAUSEWAY INTERNATIONAL VALUE FUND</StockNm>
        <EOYBookValueAmt>15086</EOYBookValueAmt>
        <EOYFMVAmt>16252</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1003.236 SHS THE PAYDEN &amp; RYGEL INVESTMENT GROUP</StockNm>
        <EOYBookValueAmt>17801</EOYBookValueAmt>
        <EOYFMVAmt>16533</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>120 SHS COLGATE-PALMOLIVE CO</StockNm>
        <EOYBookValueAmt>10224</EOYBookValueAmt>
        <EOYFMVAmt>9565</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>155 SHS VERIZON COMMUNICATIONS INC</StockNm>
        <EOYBookValueAmt>8155</EOYBookValueAmt>
        <EOYFMVAmt>5844</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1220.543 SHS TCW EMERGING MARKETS INCOME FUND</StockNm>
        <EOYBookValueAmt>9021</EOYBookValueAmt>
        <EOYFMVAmt>7848</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1164.021 SHS PARAMETRIC EMERGING MARKETS FUND</StockNm>
        <EOYBookValueAmt>17635</EOYBookValueAmt>
        <EOYFMVAmt>15901</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>16 SHS ECOLAB INC</StockNm>
        <EOYBookValueAmt>3720</EOYBookValueAmt>
        <EOYFMVAmt>3174</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>12 SHS ROPER TECHNOLOGIES INC</StockNm>
        <EOYBookValueAmt>5640</EOYBookValueAmt>
        <EOYFMVAmt>6542</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>102 SHS MERCK &amp; CO INC</StockNm>
        <EOYBookValueAmt>8026</EOYBookValueAmt>
        <EOYFMVAmt>11120</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>319.919 SHS COHEN &amp; STEERS INTERNATIONAL REALTY FUND INC</StockNm>
        <EOYBookValueAmt>15922</EOYBookValueAmt>
        <EOYFMVAmt>16639</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>193 SHS VANGUARD S&amp;P MID-CAP 400 VALUE</StockNm>
        <EOYBookValueAmt>15657</EOYBookValueAmt>
        <EOYFMVAmt>16826</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>858.99 SHS STONE RIDGE HIGH YIELD REINSURANCE RISK PREMIUM FUND</StockNm>
        <EOYBookValueAmt>7619</EOYBookValueAmt>
        <EOYFMVAmt>7585</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>85 SHS SPDR GOLD SHARES</StockNm>
        <EOYBookValueAmt>14350</EOYBookValueAmt>
        <EOYFMVAmt>16249</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>14 SHS LINDE PLC</StockNm>
        <EOYBookValueAmt>4809</EOYBookValueAmt>
        <EOYFMVAmt>5750</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>18 SHS WEST PHARMACEUTICAL SERVICES INC</StockNm>
        <EOYBookValueAmt>5639</EOYBookValueAmt>
        <EOYFMVAmt>6338</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1313.834 SHS PIONEER FLOATING RATE FUND</StockNm>
        <EOYBookValueAmt>8645</EOYBookValueAmt>
        <EOYFMVAmt>8028</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>17 SHS MASTERCARD INC</StockNm>
        <EOYBookValueAmt>5987</EOYBookValueAmt>
        <EOYFMVAmt>7251</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>46 SHS DANAHER CORP</StockNm>
        <EOYBookValueAmt>11408</EOYBookValueAmt>
        <EOYFMVAmt>10642</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>35 SHS HOME DEPOT INC</StockNm>
        <EOYBookValueAmt>13537</EOYBookValueAmt>
        <EOYFMVAmt>12129</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>21 SHS UNITEDHEALTH GROUP INC</StockNm>
        <EOYBookValueAmt>10162</EOYBookValueAmt>
        <EOYFMVAmt>11056</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>42 SHS APPLE INC</StockNm>
        <EOYBookValueAmt>7259</EOYBookValueAmt>
        <EOYFMVAmt>8086</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>41 SHS AUTOMATIC DATA PROCESSING INC</StockNm>
        <EOYBookValueAmt>9534</EOYBookValueAmt>
        <EOYFMVAmt>9552</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>21 SHS UNION PACIFIC CORP</StockNm>
        <EOYBookValueAmt>5340</EOYBookValueAmt>
        <EOYFMVAmt>5158</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>43 SHS CHUBB LTD</StockNm>
        <EOYBookValueAmt>8516</EOYBookValueAmt>
        <EOYFMVAmt>9718</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>49 SHS NEXTERA ENERGY INC</StockNm>
        <EOYBookValueAmt>4152</EOYBookValueAmt>
        <EOYFMVAmt>2976</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>3 SHS BLACKROCK INC</StockNm>
        <EOYBookValueAmt>2533</EOYBookValueAmt>
        <EOYFMVAmt>2435</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>48 SHS TEXAS INSTRUMENTS INC</StockNm>
        <EOYBookValueAmt>8527</EOYBookValueAmt>
        <EOYFMVAmt>8182</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>396.589 SHS FIDELITY DIVERSIFIED INTERNATIONAL FUND</StockNm>
        <EOYBookValueAmt>18111</EOYBookValueAmt>
        <EOYFMVAmt>16288</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>31 SHS BERKSHIRE HATHAWAY INC</StockNm>
        <EOYBookValueAmt>9686</EOYBookValueAmt>
        <EOYFMVAmt>11056</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>81 SHS SEMPRA ENERGY</StockNm>
        <EOYBookValueAmt>5525</EOYBookValueAmt>
        <EOYFMVAmt>6053</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>46 SHS PEPSICO INC</StockNm>
        <EOYBookValueAmt>8054</EOYBookValueAmt>
        <EOYFMVAmt>7813</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>6 SHS THERMO FISHER SCIENTIFIC INC</StockNm>
        <EOYBookValueAmt>3737</EOYBookValueAmt>
        <EOYFMVAmt>3185</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>47 SHS VISA INC</StockNm>
        <EOYBookValueAmt>9798</EOYBookValueAmt>
        <EOYFMVAmt>12236</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>63 SHS JPMORGAN CHASE &amp; CO</StockNm>
        <EOYBookValueAmt>10386</EOYBookValueAmt>
        <EOYFMVAmt>10716</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>443.597 SHS VANGUARD MORTGAGE-BACKED SECURITIES INDEX FUND</StockNm>
        <EOYBookValueAmt>9196</EOYBookValueAmt>
        <EOYFMVAmt>8229</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>69 SHS TORO CO</StockNm>
        <EOYBookValueAmt>5468</EOYBookValueAmt>
        <EOYFMVAmt>6623</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>62 SHS MICROSOFT CORP</StockNm>
        <EOYBookValueAmt>19011</EOYBookValueAmt>
        <EOYFMVAmt>23314</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>64 SHS TJX COS INC</StockNm>
        <EOYBookValueAmt>4851</EOYBookValueAmt>
        <EOYFMVAmt>6004</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1885.398 SHS RUSSELL GLOBAL INFRASTRUCTURE FUND</StockNm>
        <EOYBookValueAmt>15932</EOYBookValueAmt>
        <EOYFMVAmt>16384</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1737.362 SHS VIRTUS ALPHASIMPLEX MANAGED FUTURES STRATEGY FUND</StockNm>
        <EOYBookValueAmt>15932</EOYBookValueAmt>
        <EOYFMVAmt>15845</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>32 SHS NIKE INC</StockNm>
        <EOYBookValueAmt>3640</EOYBookValueAmt>
        <EOYFMVAmt>3474</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>42 SHS PROCTOR &amp; GAMBLE CO</StockNm>
        <EOYBookValueAmt>6402</EOYBookValueAmt>
        <EOYFMVAmt>6155</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>18 SHS META PLATFORMS INC</StockNm>
        <EOYBookValueAmt>5689</EOYBookValueAmt>
        <EOYFMVAmt>6371</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>73 SHS EOG RESOURCES INC</StockNm>
        <EOYBookValueAmt>8596</EOYBookValueAmt>
        <EOYFMVAmt>8829</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>87 SHS EXXON MOBIL CORP</StockNm>
        <EOYBookValueAmt>9118</EOYBookValueAmt>
        <EOYFMVAmt>8698</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>10 SHS S&amp;P GLOBAL INC</StockNm>
        <EOYBookValueAmt>4206</EOYBookValueAmt>
        <EOYFMVAmt>4405</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>32 SHS VEEVA SYSTEMS INC</StockNm>
        <EOYBookValueAmt>5706</EOYBookValueAmt>
        <EOYFMVAmt>6161</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>22 SHS ACCENTURE PLC</StockNm>
        <EOYBookValueAmt>6100</EOYBookValueAmt>
        <EOYFMVAmt>7720</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>13 SHS INTUIT INC</StockNm>
        <EOYBookValueAmt>5321</EOYBookValueAmt>
        <EOYFMVAmt>8125</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>6777.009 SHS FEDERATED INTERMEDIATE CORPORATE BOND FUND</StockNm>
        <EOYBookValueAmt>56541</EOYBookValueAmt>
        <EOYFMVAmt>57537</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>5150.905 SHS FIDELITY INTERMEDIATE GOVERNMENT INCOME FUND</StockNm>
        <EOYBookValueAmt>49549</EOYBookValueAmt>
        <EOYFMVAmt>50118</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>3302.605 SHS LOOMIS SAYLES LIMITED TERM GOVERNMENT AND AGENCY FUND</StockNm>
        <EOYBookValueAmt>35338</EOYBookValueAmt>
        <EOYFMVAmt>35668</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>334 SHS SPDR BARCLAYS LONG TERM CORPORATE BOND ETF</StockNm>
        <EOYBookValueAmt>7538</EOYBookValueAmt>
        <EOYFMVAmt>7946</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <OtherExpensesSchedule documentId="RetDoc2003200001">
      <OtherExpensesScheduleGrp>
        <Desc>MA PC FEE</Desc>
        <RevenueAndExpensesPerBooksAmt>70</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>BANK FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>18</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>INVESTMENT MANAGEMENT FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>5837</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>5837</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>OTHER EXPENSES</Desc>
        <RevenueAndExpensesPerBooksAmt>565</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>169</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncreasesSchedule documentId="RetDoc2049700001">
      <OtherIncreasesDetail>
        <Desc>GRANT RECOVERED REPORTED ON PART X, LINE 4</Desc>
        <Amt>10600</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
    <OtherLiabilitiesSchedule documentId="RetDoc2065700001">
      <OtherLiabilitiesDetail>
        <Desc>MISCELLANEOUS</Desc>
        <BOYBookValueAmt>0</BOYBookValueAmt>
        <EOYBookValueAmt>72</EOYBookValueAmt>
      </OtherLiabilitiesDetail>
    </OtherLiabilitiesSchedule>
    <TaxesSchedule documentId="RetDoc2002500001">
      <TaxesDetail>
        <CategoryTxt>FEDERAL TAXES</CategoryTxt>
        <Amt>1409</Amt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>
