﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2024v5.0">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2025-11-19T14:47:07-05:00</ReturnTs>
    <TaxPeriodEndDt>2025-07-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>920780479</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>REID TAX &amp; ADVISORY SERVICES LLC</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>7600 JERICHO TPKE STE 400</AddressLine1Txt>
        <CityNm>WOODBURY</CityNm>
        <StateAbbreviationCd>NY</StateAbbreviationCd>
        <ZIPCd>117971705</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2024-08-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>116036594</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>JOEL BRAVERMAN FOUNDATION INC</BusinessNameLine1Txt>
      </BusinessName>
      <BusinessNameControlTxt>JOEL</BusinessNameControlTxt>
      <PhoneNum>7183771100</PhoneNum>
      <USAddress>
        <AddressLine1Txt>1609 AVENUE J</AddressLine1Txt>
        <CityNm>BROOKLYN</CityNm>
        <StateAbbreviationCd>NY</StateAbbreviationCd>
        <ZIPCd>112303711</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>STEVEN ADELSBERG</PersonNm>
      <PersonTitleTxt>PRESIDENT</PersonTitleTxt>
      <SignatureDt>2025-11-19</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>true</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>MARK GOLDSCHMITT CPA</PreparerPersonNm>
      <PTIN>P01373100</PTIN>
      <PhoneNum>5168020100</PhoneNum>
      <PreparationDt>2025-11-19</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2024</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="7">
    <IRS990PF documentId="RetDoc8">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>276917</FMVAssetsEOYAmt>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <AnalysisOfRevenueAndExpenses>
        <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
        <InterestOnSavRevAndExpnssAmt>2763</InterestOnSavRevAndExpnssAmt>
        <InterestOnSavNetInvstIncmAmt>2763</InterestOnSavNetInvstIncmAmt>
        <InterestOnSavingsAdjNetIncmAmt>2763</InterestOnSavingsAdjNetIncmAmt>
        <DividendsRevAndExpnssAmt>1603</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>1603</DividendsNetInvstIncmAmt>
        <DividendsAdjNetIncmAmt>1603</DividendsAdjNetIncmAmt>
        <NetGainSaleAstRevAndExpnssAmt>515</NetGainSaleAstRevAndExpnssAmt>
        <GrossSalesPriceAmt>23714</GrossSalesPriceAmt>
        <CapGainNetIncmNetInvstIncmAmt>515</CapGainNetIncmNetInvstIncmAmt>
        <NetSTCapitalGainAdjNetIncmAmt>339</NetSTCapitalGainAdjNetIncmAmt>
        <TotalRevAndExpnssAmt>4881</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>4881</TotalNetInvstIncmAmt>
        <TotalAdjNetIncmAmt>4705</TotalAdjNetIncmAmt>
        <AccountingFeesRevAndExpnssAmt referenceDocumentId="RetDoc1">1650</AccountingFeesRevAndExpnssAmt>
        <TaxesRevAndExpnssAmt referenceDocumentId="RetDoc6">509</TaxesRevAndExpnssAmt>
        <OtherExpensesRevAndExpnssAmt referenceDocumentId="RetDoc5">811</OtherExpensesRevAndExpnssAmt>
        <TotOprExpensesRevAndExpnssAmt>2970</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>0</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>0</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>10333</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>10333</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>13303</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>0</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>10333</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>-8422</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>4881</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>4705</AdjustedNetIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <CashBOYAmt>118162</CashBOYAmt>
        <CashEOYAmt>108432</CashEOYAmt>
        <CashEOYFMVAmt>108432</CashEOYFMVAmt>
        <CorporateStockBOYAmt>58849</CorporateStockBOYAmt>
        <CorporateStockEOYAmt referenceDocumentId="RetDoc2">59686</CorporateStockEOYAmt>
        <CorporateStockEOYFMVAmt>67204</CorporateStockEOYFMVAmt>
        <OtherInvestmentsBOYAmt>101001</OtherInvestmentsBOYAmt>
        <OtherInvestmentsEOYAmt referenceDocumentId="RetDoc3">101281</OtherInvestmentsEOYAmt>
        <OtherInvestmentsEOYFMVAmt>101281</OtherInvestmentsEOYFMVAmt>
        <TotalAssetsBOYAmt>278012</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>269399</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>276917</TotalAssetsEOYFMVAmt>
        <TotalLiabilitiesEOYAmt>0</TotalLiabilitiesEOYAmt>
        <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
        <RetainedEarningBOYAmt>278012</RetainedEarningBOYAmt>
        <RetainedEarningEOYAmt>269399</RetainedEarningEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>278012</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>269399</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>278012</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>269399</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>278012</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>-8422</ExcessRevenueOverExpensesAmt>
        <SubtotalAmt>269590</SubtotalAmt>
        <OtherDecreasesAmt referenceDocumentId="RetDoc4">191</OtherDecreasesAmt>
        <TotNetAstOrFundBalancesEOYAmt>269399</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <CapGainsLossTxInvstIncmDetail>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JEMA</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2024-08-30</SoldDt>
          <GrossSalesPriceAmt>889</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>844</CostOrOtherBasisAmt>
          <GainOrLossAmt>45</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>45</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JEMA</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2024-11-07</SoldDt>
          <GrossSalesPriceAmt>41</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>37</CostOrOtherBasisAmt>
          <GainOrLossAmt>4</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>4</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBMC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-12-11</AcquiredDt>
          <SoldDt>2025-02-05</SoldDt>
          <GrossSalesPriceAmt>603</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>616</CostOrOtherBasisAmt>
          <GainOrLossAmt>-13</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-13</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JCPB</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2025-04-07</SoldDt>
          <GrossSalesPriceAmt>47</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>46</CostOrOtherBasisAmt>
          <GainOrLossAmt>1</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>1</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBUS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-08-30</AcquiredDt>
          <SoldDt>2025-04-24</SoldDt>
          <GrossSalesPriceAmt>196</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>203</CostOrOtherBasisAmt>
          <GainOrLossAmt>-7</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-7</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JEMA</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-07-19</AcquiredDt>
          <SoldDt>2024-08-30</SoldDt>
          <GrossSalesPriceAmt>39</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>38</CostOrOtherBasisAmt>
          <GainOrLossAmt>1</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>1</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JGRO</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2024-11-07</SoldDt>
          <GrossSalesPriceAmt>162</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>139</CostOrOtherBasisAmt>
          <GainOrLossAmt>23</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>23</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>VANGUARD DIV - VIG</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-12-11</AcquiredDt>
          <SoldDt>2025-02-05</SoldDt>
          <GrossSalesPriceAmt>203</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>202</CostOrOtherBasisAmt>
          <GainOrLossAmt>1</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>1</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JCPB</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-08-30</AcquiredDt>
          <SoldDt>2025-04-07</SoldDt>
          <GrossSalesPriceAmt>374</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>383</CostOrOtherBasisAmt>
          <GainOrLossAmt>-9</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-9</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBUS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2025-02-05</AcquiredDt>
          <SoldDt>2025-04-24</SoldDt>
          <GrossSalesPriceAmt>196</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>218</CostOrOtherBasisAmt>
          <GainOrLossAmt>-22</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-22</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBIN</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2024-08-30</SoldDt>
          <GrossSalesPriceAmt>1883</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>1796</CostOrOtherBasisAmt>
          <GainOrLossAmt>87</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>87</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBHY</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2024-11-07</SoldDt>
          <GrossSalesPriceAmt>514</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>504</CostOrOtherBasisAmt>
          <GainOrLossAmt>10</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>10</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ISHARES CORE MSCI</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-12-11</AcquiredDt>
          <SoldDt>2025-03-27</SoldDt>
          <GrossSalesPriceAmt>110</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>111</CostOrOtherBasisAmt>
          <GainOrLossAmt>-1</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-1</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JPIE</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2025-04-07</SoldDt>
          <GrossSalesPriceAmt>228</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>226</CostOrOtherBasisAmt>
          <GainOrLossAmt>2</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>2</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBUS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2025-03-27</AcquiredDt>
          <SoldDt>2025-04-24</SoldDt>
          <GrossSalesPriceAmt>688</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>721</CostOrOtherBasisAmt>
          <GainOrLossAmt>-33</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-33</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBIN</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-06-18</AcquiredDt>
          <SoldDt>2024-08-30</SoldDt>
          <GrossSalesPriceAmt>126</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>120</CostOrOtherBasisAmt>
          <GainOrLossAmt>6</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>6</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBUS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-08-30</AcquiredDt>
          <SoldDt>2024-11-07</SoldDt>
          <GrossSalesPriceAmt>108</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>101</CostOrOtherBasisAmt>
          <GainOrLossAmt>7</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>7</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JEMA</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-12-11</AcquiredDt>
          <SoldDt>2025-03-27</SoldDt>
          <GrossSalesPriceAmt>39</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>39</CostOrOtherBasisAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JPIE</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2025-02-05</AcquiredDt>
          <SoldDt>2025-04-07</SoldDt>
          <GrossSalesPriceAmt>639</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>642</CostOrOtherBasisAmt>
          <GainOrLossAmt>-3</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-3</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>VANGUARD HIGH YIELD - VYMI</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2025-04-24</SoldDt>
          <GrossSalesPriceAmt>75</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>68</CostOrOtherBasisAmt>
          <GainOrLossAmt>7</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>7</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JIRE</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-28</AcquiredDt>
          <SoldDt>2024-08-30</SoldDt>
          <GrossSalesPriceAmt>66</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>63</CostOrOtherBasisAmt>
          <GainOrLossAmt>3</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>3</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JEPI</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2024-11-07</SoldDt>
          <GrossSalesPriceAmt>656</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>629</CostOrOtherBasisAmt>
          <GainOrLossAmt>27</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>27</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBIN</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2025-03-27</SoldDt>
          <GrossSalesPriceAmt>251</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>240</CostOrOtherBasisAmt>
          <GainOrLossAmt>11</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>11</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBHY</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2025-04-07</SoldDt>
          <GrossSalesPriceAmt>883</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>917</CostOrOtherBasisAmt>
          <GainOrLossAmt>-34</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-34</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ISHARES CORE US AGG</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-09-12</AcquiredDt>
          <SoldDt>2025-06-25</SoldDt>
          <GrossSalesPriceAmt>591</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>609</CostOrOtherBasisAmt>
          <GainOrLossAmt>-18</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-18</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JIRE</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-07-19</AcquiredDt>
          <SoldDt>2024-08-30</SoldDt>
          <GrossSalesPriceAmt>415</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>411</CostOrOtherBasisAmt>
          <GainOrLossAmt>4</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>4</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JEPI</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-09-12</AcquiredDt>
          <SoldDt>2024-11-07</SoldDt>
          <GrossSalesPriceAmt>954</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>932</CostOrOtherBasisAmt>
          <GainOrLossAmt>22</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>22</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JIRE</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-09-12</AcquiredDt>
          <SoldDt>2025-03-27</SoldDt>
          <GrossSalesPriceAmt>65</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>64</CostOrOtherBasisAmt>
          <GainOrLossAmt>1</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>1</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBHY</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-04-19</AcquiredDt>
          <SoldDt>2025-04-07</SoldDt>
          <GrossSalesPriceAmt>794</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>812</CostOrOtherBasisAmt>
          <GainOrLossAmt>-18</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-18</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ISHARES CORE US AGG</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2025-04-07</AcquiredDt>
          <SoldDt>2025-06-25</SoldDt>
          <GrossSalesPriceAmt>887</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>889</CostOrOtherBasisAmt>
          <GainOrLossAmt>-2</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-2</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBHY</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-07-19</AcquiredDt>
          <SoldDt>2024-08-30</SoldDt>
          <GrossSalesPriceAmt>469</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>462</CostOrOtherBasisAmt>
          <GainOrLossAmt>7</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>7</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JCPB</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-08-30</AcquiredDt>
          <SoldDt>2024-12-11</SoldDt>
          <GrossSalesPriceAmt>47</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>48</CostOrOtherBasisAmt>
          <GainOrLossAmt>-1</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-1</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JIRE</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-11-07</AcquiredDt>
          <SoldDt>2025-03-27</SoldDt>
          <GrossSalesPriceAmt>194</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>189</CostOrOtherBasisAmt>
          <GainOrLossAmt>5</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>5</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBHY</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-06-18</AcquiredDt>
          <SoldDt>2025-04-07</SoldDt>
          <GrossSalesPriceAmt>177</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>183</CostOrOtherBasisAmt>
          <GainOrLossAmt>-6</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-6</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JEMA</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2025-06-25</SoldDt>
          <GrossSalesPriceAmt>85</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>73</CostOrOtherBasisAmt>
          <GainOrLossAmt>12</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>12</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JQUA</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2024-08-30</SoldDt>
          <GrossSalesPriceAmt>56</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>52</CostOrOtherBasisAmt>
          <GainOrLossAmt>4</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>4</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JPIE</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-06-18</AcquiredDt>
          <SoldDt>2024-12-11</SoldDt>
          <GrossSalesPriceAmt>505</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>499</CostOrOtherBasisAmt>
          <GainOrLossAmt>6</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>6</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JPIE</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2025-03-27</SoldDt>
          <GrossSalesPriceAmt>46</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>45</CostOrOtherBasisAmt>
          <GainOrLossAmt>1</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>1</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBUS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2025-02-05</AcquiredDt>
          <SoldDt>2025-04-07</SoldDt>
          <GrossSalesPriceAmt>179</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>28</CostOrOtherBasisAmt>
          <GainOrLossAmt>151</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>151</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBUS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-06-18</AcquiredDt>
          <SoldDt>2025-06-25</SoldDt>
          <GrossSalesPriceAmt>771</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>691</CostOrOtherBasisAmt>
          <GainOrLossAmt>80</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>80</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>VANGUARD DIV - VIG</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2024-08-30</SoldDt>
          <GrossSalesPriceAmt>195</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>180</CostOrOtherBasisAmt>
          <GainOrLossAmt>15</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>15</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JPIE</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-11-07</AcquiredDt>
          <SoldDt>2024-12-11</SoldDt>
          <GrossSalesPriceAmt>138</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>137</CostOrOtherBasisAmt>
          <GainOrLossAmt>1</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>1</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBMC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2025-03-27</SoldDt>
          <GrossSalesPriceAmt>648</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>625</CostOrOtherBasisAmt>
          <GainOrLossAmt>23</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>23</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ISHARES CORE MSCI</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-06-18</AcquiredDt>
          <SoldDt>2025-04-24</SoldDt>
          <GrossSalesPriceAmt>107</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>108</CostOrOtherBasisAmt>
          <GainOrLossAmt>-1</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-1</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JAVA</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2025-06-25</SoldDt>
          <GrossSalesPriceAmt>581</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>524</CostOrOtherBasisAmt>
          <GainOrLossAmt>57</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>57</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ISHARES 10-20 YR TREASURY</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-08-30</AcquiredDt>
          <SoldDt>2024-09-12</SoldDt>
          <GrossSalesPriceAmt>110</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>108</CostOrOtherBasisAmt>
          <GainOrLossAmt>2</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>2</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JGRO</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2024-12-11</SoldDt>
          <GrossSalesPriceAmt>84</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>70</CostOrOtherBasisAmt>
          <GainOrLossAmt>14</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>14</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBMC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-11-07</AcquiredDt>
          <SoldDt>2025-03-27</SoldDt>
          <GrossSalesPriceAmt>278</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>302</CostOrOtherBasisAmt>
          <GainOrLossAmt>-24</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-24</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ISHARES 10-20 YR TREASURY</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2025-04-24</SoldDt>
          <GrossSalesPriceAmt>101</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>103</CostOrOtherBasisAmt>
          <GainOrLossAmt>-2</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-2</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JAVA</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-06-18</AcquiredDt>
          <SoldDt>2025-06-25</SoldDt>
          <GrossSalesPriceAmt>65</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>59</CostOrOtherBasisAmt>
          <GainOrLossAmt>6</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>6</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JCPB</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-08-30</AcquiredDt>
          <SoldDt>2024-09-12</SoldDt>
          <GrossSalesPriceAmt>48</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>48</CostOrOtherBasisAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBUS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-08-30</AcquiredDt>
          <SoldDt>2024-12-11</SoldDt>
          <GrossSalesPriceAmt>220</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>203</CostOrOtherBasisAmt>
          <GainOrLossAmt>17</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>17</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBHY</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2025-03-27</SoldDt>
          <GrossSalesPriceAmt>46</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>46</CostOrOtherBasisAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ISHARES 10-20 YR TREASURY</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-11-07</AcquiredDt>
          <SoldDt>2025-04-24</SoldDt>
          <GrossSalesPriceAmt>605</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>614</CostOrOtherBasisAmt>
          <GainOrLossAmt>-9</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-9</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JGLO</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-06-18</AcquiredDt>
          <SoldDt>2025-06-25</SoldDt>
          <GrossSalesPriceAmt>127</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>121</CostOrOtherBasisAmt>
          <GainOrLossAmt>6</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>6</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JPIE</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-07-19</AcquiredDt>
          <SoldDt>2024-09-12</SoldDt>
          <GrossSalesPriceAmt>46</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>46</CostOrOtherBasisAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ISHARES 10-20 YR TREASURY</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2025-02-05</SoldDt>
          <GrossSalesPriceAmt>305</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>309</CostOrOtherBasisAmt>
          <GainOrLossAmt>-4</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-4</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JAVA</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2025-03-27</SoldDt>
          <GrossSalesPriceAmt>64</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>58</CostOrOtherBasisAmt>
          <GainOrLossAmt>6</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>6</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JEMA</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-12-11</AcquiredDt>
          <SoldDt>2025-04-24</SoldDt>
          <GrossSalesPriceAmt>38</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>39</CostOrOtherBasisAmt>
          <GainOrLossAmt>-1</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-1</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JGLO</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-12-11</AcquiredDt>
          <SoldDt>2025-06-25</SoldDt>
          <GrossSalesPriceAmt>63</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>64</CostOrOtherBasisAmt>
          <GainOrLossAmt>-1</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-1</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JQUA</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2024-09-12</SoldDt>
          <GrossSalesPriceAmt>1810</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>1721</CostOrOtherBasisAmt>
          <GainOrLossAmt>89</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>89</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ISHARES 10-20 YR TREASURY</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-08-30</AcquiredDt>
          <SoldDt>2025-02-05</SoldDt>
          <GrossSalesPriceAmt>305</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>325</CostOrOtherBasisAmt>
          <GainOrLossAmt>-20</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-20</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JAVA</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-11-07</AcquiredDt>
          <SoldDt>2025-03-27</SoldDt>
          <GrossSalesPriceAmt>449</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>466</CostOrOtherBasisAmt>
          <GainOrLossAmt>-17</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-17</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBIN</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2025-04-24</SoldDt>
          <GrossSalesPriceAmt>125</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>120</CostOrOtherBasisAmt>
          <GainOrLossAmt>5</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>5</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JQUA</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-04-19</AcquiredDt>
          <SoldDt>2024-09-12</SoldDt>
          <GrossSalesPriceAmt>55</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>50</CostOrOtherBasisAmt>
          <GainOrLossAmt>5</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>5</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBIN</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-09-12</AcquiredDt>
          <SoldDt>2025-02-05</SoldDt>
          <GrossSalesPriceAmt>60</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>61</CostOrOtherBasisAmt>
          <GainOrLossAmt>-1</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-1</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JAVA</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-12-11</AcquiredDt>
          <SoldDt>2025-03-27</SoldDt>
          <GrossSalesPriceAmt>64</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>67</CostOrOtherBasisAmt>
          <GainOrLossAmt>-3</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-3</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - JGRO</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2025-03-27</AcquiredDt>
          <SoldDt>2025-04-24</SoldDt>
          <GrossSalesPriceAmt>146</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>152</CostOrOtherBasisAmt>
          <GainOrLossAmt>-6</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-6</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ISHARES CORE MSCI</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-08-30</AcquiredDt>
          <SoldDt>2024-11-07</SoldDt>
          <GrossSalesPriceAmt>57</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>55</CostOrOtherBasisAmt>
          <GainOrLossAmt>2</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>2</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBMC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-11-07</AcquiredDt>
          <SoldDt>2025-02-05</SoldDt>
          <GrossSalesPriceAmt>302</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>302</CostOrOtherBasisAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ISHARES 10-20 YR TREASURY</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2025-04-07</SoldDt>
          <GrossSalesPriceAmt>311</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>309</CostOrOtherBasisAmt>
          <GainOrLossAmt>2</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>2</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>JP MORGAN - BBHY</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-03-18</AcquiredDt>
          <SoldDt>2025-04-24</SoldDt>
          <GrossSalesPriceAmt>910</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>917</CostOrOtherBasisAmt>
          <GainOrLossAmt>-7</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-7</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapitalGainNetIncomeAmt>515</CapitalGainNetIncomeAmt>
        <NetShortTermCapitalGainLossAmt>339</NetShortTermCapitalGainLossAmt>
      </CapGainsLossTxInvstIncmDetail>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>68</InvestmentIncomeExciseTaxAmt>
        <SubtotalAmt>68</SubtotalAmt>
        <TaxBasedOnInvestmentIncomeAmt>68</TaxBasedOnInvestmentIncomeAmt>
        <TaxDueAmt>68</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>false</Section508eRqrSatisfiedInd>
        <AtLeast5000InAssetsInd>true</AtLeast5000InAssetsInd>
        <OrgReportOrRegisterStateCd>NY</OrgReportOrRegisterStateCd>
        <Form990PFFiledWithAttyGenInd>true</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>false</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>false</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
        <IndividualWithBooksNm>REID ACCOUNTANTS ADVISORS</IndividualWithBooksNm>
        <PhoneNum>5168020100</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>7600 JERICHO TURNPIKE</AddressLine1Txt>
          <AddressLine2Txt>SUITE 400</AddressLine2Txt>
          <CityNm>WOODBURY</CityNm>
          <StateAbbreviationCd>NY</StateAbbreviationCd>
          <ZIPCd>11797</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>
        <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>STEVEN ADELSBERG</PersonNm>
          <USAddress>
            <AddressLine1Txt>280 NORTHERN BOULEVARD</AddressLine1Txt>
            <CityNm>GREAT NECK</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>11020</ZIPCd>
          </USAddress>
          <TitleTxt>PRESIDENT</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>000.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>AVIVA BENAMY</PersonNm>
          <USAddress>
            <AddressLine1Txt>531 EAST 4TH STREET</AddressLine1Txt>
            <CityNm>BROOKLYN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>11218</ZIPCd>
          </USAddress>
          <TitleTxt>DIRECTOR</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>000.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SummaryOfDirectChrtblActyGrp>
        <Description1Txt>TO PROVIDE SCHOLARSHIPS FOR POST HIGH SCHOOL STUDIES IN ISRAEL</Description1Txt>
      </SummaryOfDirectChrtblActyGrp>
      <SumOfProgramRelatedInvstGrp>
        <Description1Txt>N/A</Description1Txt>
      </SumOfProgramRelatedInvstGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>0</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>0</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>0</TotalFMVOfUnusedAssetsAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>0</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>0</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>0</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>0</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <TaxBasedOnInvestmentIncomeAmt>68</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>68</TotalTaxAmt>
        <DistributableAsAdjustedAmt>0</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>10333</ExpensesAndContributionsAmt>
        <QualifyingDistributionsAmt>10333</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>0</DistributableAsAdjustedAmt>
        <ExcessDistributionCyovYr2Amt>8333</ExcessDistributionCyovYr2Amt>
        <ExcessDistributionCyovYr1Amt>12458</ExcessDistributionCyovYr1Amt>
        <TotalExcessDistributionCyovAmt>20791</TotalExcessDistributionCyovAmt>
        <QualifyingDistributionsAmt>10333</QualifyingDistributionsAmt>
        <RemainingDistriFromCorpusAmt>10333</RemainingDistriFromCorpusAmt>
        <TotalCorpusAmt>31124</TotalCorpusAmt>
        <UndistributedIncomeCYAmt>0</UndistributedIncomeCYAmt>
        <ExcessDistriCyovToNextYrAmt>31124</ExcessDistriCyovToNextYrAmt>
        <ExcessFromYear2Amt>8333</ExcessFromYear2Amt>
        <ExcessFromYear1Amt>12458</ExcessFromYear1Amt>
        <ExcessFromCurrentYearAmt>10333</ExcessFromCurrentYearAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <ApplicationSubmissionInfoGrp>
          <RecipientPersonNm>JOEL BRAVERMAN FOUNDATION</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>1609 AVENUE J</AddressLine1Txt>
            <CityNm>BROOKLYN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>11230</ZIPCd>
          </RecipientUSAddress>
          <RecipientPhoneNum>7183771100</RecipientPhoneNum>
          <RecipientEmailAddressTxt>SROSENBAUM@FLATBUSH.ORG</RecipientEmailAddressTxt>
          <FormAndInfoAndMaterialsTxt>LETTER OF INTENT TO STUDY IN ISRAEL</FormAndInfoAndMaterialsTxt>
          <SubmissionDeadlinesTxt>MAY 1</SubmissionDeadlinesTxt>
          <RestrictionsOnAwardsTxt>STUDENT MUST CONTINUE STUDIES IN ISRAEL</RestrictionsOnAwardsTxt>
        </ApplicationSubmissionInfoGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>JACQUES BAGHDADI</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>4056 BEDFORD AVENUE</AddressLine1Txt>
            <CityNm>BROOKLYN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>11229</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>NONE</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>TO FURTHER STUDY</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>NORMA CHAZANOFF</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>1587 E 8TH STREET</AddressLine1Txt>
            <CityNm>BROOKLYN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>11230</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>NONE</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>TO FURTHER STUDY</GrantOrContributionPurposeTxt>
          <Amt>4000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>RACHEL DIDIA</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>406 AVENUE L</AddressLine1Txt>
            <CityNm>BROOKLYN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>11230</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>NONE</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>TO FURTHER STUDY</GrantOrContributionPurposeTxt>
          <Amt>4000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>ROCHELLE SHAOUL</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>1778 EAST 22ND STREET</AddressLine1Txt>
            <CityNm>BROOKLYN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>11229</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>NONE</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>TO FURTHER STUDY</GrantOrContributionPurposeTxt>
          <Amt>333</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>JACK HAMUI</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>1866 EAST 28TH STREET</AddressLine1Txt>
            <CityNm>BROOKLYN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>11229</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>NONE</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>TO FURTHER STUDY</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>10333</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <RelatedOrExemptFunctionIncmAmt>2763</RelatedOrExemptFunctionIncmAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DividendsAndInterestFromSecDtl>
          <RelatedOrExemptFunctionIncmAmt>1603</RelatedOrExemptFunctionIncmAmt>
        </DividendsAndInterestFromSecDtl>
        <GainSalesAstOthThanInvntryGrp>
          <RelatedOrExemptFunctionIncmAmt>515</RelatedOrExemptFunctionIncmAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <RelatedOrExemptFunctionIncmAmt>4881</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>4881</TotalIncomeProducingActyAmt>
      </AnalysisIncomeProducingActyGrp>
      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>false</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>false</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>false</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>false</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>false</RelationshipsNonchrtblEOInd>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <AccountingFeesSchedule documentId="RetDoc1">
      <AccountingFeesDetail>
        <CategoryTxt>ACCOUNTING FEES</CategoryTxt>
        <Amt>1650</Amt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <InvestmentsCorpStockSchedule documentId="RetDoc2">
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES CORE MSCI</StockNm>
        <EOYBookValueAmt>1954</EOYBookValueAmt>
        <EOYFMVAmt>2232</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>JP MORGAN - JIRE</StockNm>
        <EOYBookValueAmt>3648</EOYBookValueAmt>
        <EOYFMVAmt>4012</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>JP MORGAN - JGRO</StockNm>
        <EOYBookValueAmt>4619</EOYBookValueAmt>
        <EOYFMVAmt>5565</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>JP MORGAN - JAVA</StockNm>
        <EOYBookValueAmt>3940</EOYBookValueAmt>
        <EOYFMVAmt>4400</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>JP MORGAN - JEMA</StockNm>
        <EOYBookValueAmt>1282</EOYBookValueAmt>
        <EOYFMVAmt>1516</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>JP MORGAN - JEPI</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>JP MORGAN - BBMC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>JP MORGAN - BBIN</StockNm>
        <EOYBookValueAmt>3846</EOYBookValueAmt>
        <EOYFMVAmt>4230</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>JP MORGAN - BBUS</StockNm>
        <EOYBookValueAmt>17970</EOYBookValueAmt>
        <EOYFMVAmt>21765</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>JP MORGAN - JQUA</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>JP MORGAN - JGLO</StockNm>
        <EOYBookValueAmt>5867</EOYBookValueAmt>
        <EOYFMVAmt>6592</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>VANGUARD INTL HIGH YIELD</StockNm>
        <EOYBookValueAmt>621</EOYBookValueAmt>
        <EOYFMVAmt>720</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>VANGUARD DIVIDEND APPRECIATION</StockNm>
        <EOYBookValueAmt>1276</EOYBookValueAmt>
        <EOYFMVAmt>1442</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES 10-20 YR TREASURY</StockNm>
        <EOYBookValueAmt>1542</EOYBookValueAmt>
        <EOYFMVAmt>1507</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>JP MORGAN - BBHY</StockNm>
        <EOYBookValueAmt>1345</EOYBookValueAmt>
        <EOYFMVAmt>1349</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>JP MORGAN - JPIE</StockNm>
        <EOYBookValueAmt>2631</EOYBookValueAmt>
        <EOYFMVAmt>2680</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>JP MORGAN - JCPB</StockNm>
        <EOYBookValueAmt>4130</EOYBookValueAmt>
        <EOYFMVAmt>4164</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES CORE US AGGREGATE</StockNm>
        <EOYBookValueAmt>5015</EOYBookValueAmt>
        <EOYFMVAmt>5030</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <InvestmentsOtherSchedule2 documentId="RetDoc3">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>MONEY MARKET ACCOUNT</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>1281</BookValueAmt>
        <EOYFMVAmt>1281</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISRAEL BOND</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>100000</BookValueAmt>
        <EOYFMVAmt>100000</EOYFMVAmt>
      </InvestmentsOtherGrp>
    </InvestmentsOtherSchedule2>
    <OtherDecreasesSchedule documentId="RetDoc4">
      <OtherDecreasesDetail>
        <Desc>ADJUSTMENT FOR UNREALIZED GAIN (LOSS)</Desc>
        <Amt>191</Amt>
      </OtherDecreasesDetail>
    </OtherDecreasesSchedule>
    <OtherExpensesSchedule documentId="RetDoc5">
      <OtherExpensesScheduleGrp>
        <Desc>EXPENSES</Desc>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>BANK CHARGES</Desc>
        <RevenueAndExpensesPerBooksAmt>811</RevenueAndExpensesPerBooksAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <TaxesSchedule documentId="RetDoc6">
      <TaxesDetail>
        <CategoryTxt>FEDERAL TAX</CategoryTxt>
        <Amt>409</Amt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>STATE FILING FEES</CategoryTxt>
        <Amt>100</Amt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>