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            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07042</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
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          <GrantOrContributionPurposeTxt>GENERAL CHARITABLE</GrantOrContributionPurposeTxt>
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        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>MONTCLAIR NEIGHBORHOOD DEVELOPMENT</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>228 BLOOMFIELD AVE</AddressLine1Txt>
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            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07042</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
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          <GrantOrContributionPurposeTxt>GENERAL CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>SUCEED2GETHER</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 1355</AddressLine1Txt>
            <CityNm>MONTCLAIR</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07042</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>EXEMPT</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>7000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>THE SIDE DOOR AT UNION CONGREGATION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>176 COOPER AVE</AddressLine1Txt>
            <CityNm>MONTCLAIR</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07042</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>EXEMPT</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>WE'VE GOT FRIENDS</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 43471</AddressLine1Txt>
            <CityNm>MONTCLAIR</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07042</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>EXEMPT</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>2000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>YWCA EASTERN UNION COUNTY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 462</AddressLine1Txt>
            <CityNm>KENILWORTH</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07033</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>EXEMPT</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
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        <TotalGrantOrContriPdDurYrAmt>71000</TotalGrantOrContriPdDurYrAmt>
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        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>115094</ExclusionAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>115094</TotalIncomeProducingActyAmt>
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      <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>
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        <DisbursementsCharitablePrpsAmt>3731</DisbursementsCharitablePrpsAmt>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>MONEY MARKET FUNDS</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES CORE S&amp;P SMALL CAP ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
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        <EOYFMVAmt>132510</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES CORE US AGGREGATE BOND</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>707692</BookValueAmt>
        <EOYFMVAmt>707692</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>JANUS HENDERSON AAA CLO ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>139133</BookValueAmt>
        <EOYFMVAmt>139133</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SCHWAB INTERNATIONAL EQUITY ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>233179</BookValueAmt>
        <EOYFMVAmt>233179</EOYFMVAmt>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SCHWAB INTERNATIONAL SMALL CAP</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SCHWAB US DIVIDEND EQUITY ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>355549</BookValueAmt>
        <EOYFMVAmt>355549</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANGUARD SHOR TERM BOND INDEX</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>236526</BookValueAmt>
        <EOYFMVAmt>236526</EOYFMVAmt>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES CORE MSCI EMERGING MKT</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
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        <EOYFMVAmt>59253</EOYFMVAmt>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SCHWAB S&amp;P 500 INDEX FUND</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>828914</BookValueAmt>
        <EOYFMVAmt>828914</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SCHWAB US MID-CAP INDEX FUND</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>146459</BookValueAmt>
        <EOYFMVAmt>146459</EOYFMVAmt>
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      <OtherAssetsScheduleGrp>
        <Desc>ACCRUED INCOME</Desc>
        <BOYBookValueAmt>4990</BOYBookValueAmt>
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      <OtherDecreasesDetail>
        <Desc>CHANGE IN DEFERRED TAXES</Desc>
        <Amt>2192</Amt>
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    <OtherExpensesSchedule documentId="RetDoc5">
      <OtherExpensesScheduleGrp>
        <Desc>EXPENSES</Desc>
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      <OtherExpensesScheduleGrp>
        <Desc>BANK CHARGES</Desc>
        <RevenueAndExpensesPerBooksAmt>30</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>30</DisbursementsCharitablePrpsAmt>
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      <OtherExpensesScheduleGrp>
        <Desc>DUES AND SUBSCRIPTIONS</Desc>
        <RevenueAndExpensesPerBooksAmt>1734</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>1734</DisbursementsCharitablePrpsAmt>
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      <OtherExpensesScheduleGrp>
        <Desc>INSURANCE</Desc>
        <RevenueAndExpensesPerBooksAmt>1250</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>1250</DisbursementsCharitablePrpsAmt>
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      <OtherExpensesScheduleGrp>
        <Desc>PAYROLL PROCESSING FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>995</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>995</DisbursementsCharitablePrpsAmt>
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      <OtherExpensesScheduleGrp>
        <Desc>POSTAGE</Desc>
        <RevenueAndExpensesPerBooksAmt>294</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>294</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>STATE FILING FEE</Desc>
        <RevenueAndExpensesPerBooksAmt>10</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>10</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>SUPPLIES</Desc>
        <RevenueAndExpensesPerBooksAmt>233</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>233</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>TRAVEL, CONFERENCES AND MEETI</Desc>
        <RevenueAndExpensesPerBooksAmt>622</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>622</DisbursementsCharitablePrpsAmt>
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        <Desc>CHANGE IN PRESENT VALUE OF SPLIT INTEREST</Desc>
        <Amt>5472</Amt>
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      <OtherIncreasesDetail>
        <Desc>UNREALIZED GAINS ON INVESTMENTS</Desc>
        <Amt>157708</Amt>
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      <OtherLiabilitiesDetail>
        <Desc>EXCISE TAX PAYABLE</Desc>
        <EOYBookValueAmt>28</EOYBookValueAmt>
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      <OtherLiabilitiesDetail>
        <Desc>PAYROLL PAYABLE</Desc>
        <BOYBookValueAmt>5448</BOYBookValueAmt>
        <EOYBookValueAmt>5423</EOYBookValueAmt>
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    <OtherProfessionalFeesSchedule documentId="RetDoc8">
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        <Amt>13919</Amt>
        <NetInvestmentIncomeAmt>13919</NetInvestmentIncomeAmt>
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        <CategoryTxt>FEDERAL EXCISE TAX</CategoryTxt>
        <Amt>1293</Amt>
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</Return>