﻿<?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="2025v4.2">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2026-08-12T12:17:09-05:00</ReturnTs>
    <TaxPeriodEndDt>2025-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>410746749</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>CLIFTONLARSONALLEN</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>29 SOUTH MAIN STREET 4TH FLOOR</AddressLine1Txt>
        <CityNm>WEST HARTFORD</CityNm>
        <StateAbbreviationCd>CT</StateAbbreviationCd>
        <ZIPCd>06107</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2025-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>043493858</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>THE BETE FAMILY FOUNDATION</BusinessNameLine1Txt>
      </BusinessName>
      <BusinessNameControlTxt>BETE</BusinessNameControlTxt>
      <PhoneNum>4137737319</PhoneNum>
      <USAddress>
        <AddressLine1Txt>75 MEADOW WOOD DRIVE</AddressLine1Txt>
        <CityNm>GREENFIELD</CityNm>
        <StateAbbreviationCd>MA</StateAbbreviationCd>
        <ZIPCd>013011152</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>JONATHAN BETE</PersonNm>
      <PersonTitleTxt>TRUSTEE</PersonTitleTxt>
      <PhoneNum>4137737319</PhoneNum>
      <SignatureDt>2026-08-06</SignatureDt>
      <DiscussWithPaidPreparerInd>1</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <PreparerPersonGrp>
      <PreparerPersonNm>ANDREW LATTIMER</PreparerPersonNm>
      <PTIN>P00368790</PTIN>
      <PhoneNum>6177170831</PhoneNum>
      <PreparationDt>2026-08-06</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2025</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="8">
    <IRS990PF documentId="RetDoc1235000001">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>2397771</FMVAssetsEOYAmt>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <AnalysisOfRevenueAndExpenses>
        <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
        <InterestOnSavRevAndExpnssAmt>8</InterestOnSavRevAndExpnssAmt>
        <InterestOnSavNetInvstIncmAmt>8</InterestOnSavNetInvstIncmAmt>
        <DividendsRevAndExpnssAmt>46916</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>46815</DividendsNetInvstIncmAmt>
        <NetGainSaleAstRevAndExpnssAmt>136439</NetGainSaleAstRevAndExpnssAmt>
        <GrossSalesPriceAmt>957762</GrossSalesPriceAmt>
        <CapGainNetIncmNetInvstIncmAmt>136439</CapGainNetIncmNetInvstIncmAmt>
        <OtherIncomeRevAndExpnssAmt referenceDocumentId="RetDoc2001500001">67</OtherIncomeRevAndExpnssAmt>
        <OtherIncomeNetInvstIncmAmt>67</OtherIncomeNetInvstIncmAmt>
        <TotalRevAndExpnssAmt>183430</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>183329</TotalNetInvstIncmAmt>
        <CompOfcrDirTrstRevAndExpnssAmt>0</CompOfcrDirTrstRevAndExpnssAmt>
        <CompOfcrDirTrstNetInvstIncmAmt>0</CompOfcrDirTrstNetInvstIncmAmt>
        <CompOfcrDirTrstDsbrsChrtblAmt>0</CompOfcrDirTrstDsbrsChrtblAmt>
        <AccountingFeesRevAndExpnssAmt referenceDocumentId="RetDoc2002200001">16529</AccountingFeesRevAndExpnssAmt>
        <AccountingFeesNetInvstIncmAmt>8265</AccountingFeesNetInvstIncmAmt>
        <AccountingFeesChrtblPrpsAmt>8264</AccountingFeesChrtblPrpsAmt>
        <OtherProfFeesRevAndExpnssAmt referenceDocumentId="RetDoc2002300001">19389</OtherProfFeesRevAndExpnssAmt>
        <OtherProfFeesNetInvstIncmAmt>19389</OtherProfFeesNetInvstIncmAmt>
        <OtherProfFeesDsbrsChrtblAmt>0</OtherProfFeesDsbrsChrtblAmt>
        <TaxesRevAndExpnssAmt referenceDocumentId="RetDoc2002500001">4265</TaxesRevAndExpnssAmt>
        <TaxesNetInvstIncmAmt>77</TaxesNetInvstIncmAmt>
        <TaxesDsbrsChrtblAmt>0</TaxesDsbrsChrtblAmt>
        <OtherExpensesRevAndExpnssAmt referenceDocumentId="RetDoc2003200001">35</OtherExpensesRevAndExpnssAmt>
        <OtherExpensesNetInvstIncmAmt>0</OtherExpensesNetInvstIncmAmt>
        <OtherExpensesDsbrsChrtblAmt>35</OtherExpensesDsbrsChrtblAmt>
        <TotOprExpensesRevAndExpnssAmt>40218</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>27731</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>8299</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>102261</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>102261</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>142479</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>27731</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>110560</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>40951</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>155598</NetInvestmentIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <CashBOYAmt>14964</CashBOYAmt>
        <CashEOYAmt>11959</CashEOYAmt>
        <CashEOYFMVAmt>11959</CashEOYFMVAmt>
        <SavAndTempCashInvstBOYAmt>24732</SavAndTempCashInvstBOYAmt>
        <SavAndTempCashInvstEOYAmt>25559</SavAndTempCashInvstEOYAmt>
        <SavAndTempCashInvstEOYFMVAmt>25559</SavAndTempCashInvstEOYFMVAmt>
        <CorporateStockBOYAmt>1087728</CorporateStockBOYAmt>
        <CorporateStockEOYAmt referenceDocumentId="RetDoc2018900001">1100510</CorporateStockEOYAmt>
        <CorporateStockEOYFMVAmt>1794619</CorporateStockEOYFMVAmt>
        <CorporateBondsBOYAmt>533247</CorporateBondsBOYAmt>
        <CorporateBondsEOYAmt referenceDocumentId="RetDoc2044400001">563594</CorporateBondsEOYAmt>
        <CorporateBondsEOYFMVAmt>565634</CorporateBondsEOYFMVAmt>
        <TotalAssetsBOYAmt>1660671</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>1701622</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>2397771</TotalAssetsEOYFMVAmt>
        <TotalLiabilitiesBOYAmt>0</TotalLiabilitiesBOYAmt>
        <TotalLiabilitiesEOYAmt>0</TotalLiabilitiesEOYAmt>
        <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
        <CapitalStockBOYAmt>0</CapitalStockBOYAmt>
        <CapitalStockEOYAmt>0</CapitalStockEOYAmt>
        <AdditionalPaidInCapitalBOYAmt>0</AdditionalPaidInCapitalBOYAmt>
        <AdditionalPaidInCapitalEOYAmt>0</AdditionalPaidInCapitalEOYAmt>
        <RetainedEarningBOYAmt>1660671</RetainedEarningBOYAmt>
        <RetainedEarningEOYAmt>1701622</RetainedEarningEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>1660671</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>1701622</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>1660671</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>1701622</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>1660671</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>40951</ExcessRevenueOverExpensesAmt>
        <OtherIncreasesAmt>0</OtherIncreasesAmt>
        <SubtotalAmt>1701622</SubtotalAmt>
        <OtherDecreasesAmt>0</OtherDecreasesAmt>
        <TotNetAstOrFundBalancesEOYAmt>1701622</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <CapGainsLossTxInvstIncmDetail>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>PUBLICLY TRADED SECURITIES</PropertyDesc>
          <GrossSalesPriceAmt>957730</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>821323</CostOrOtherBasisAmt>
          <GainOrLossAmt>136407</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>136407</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAINS DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GrossSalesPriceAmt>32</GrossSalesPriceAmt>
          <GainOrLossAmt>32</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>32</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapitalGainNetIncomeAmt>136439</CapitalGainNetIncomeAmt>
      </CapGainsLossTxInvstIncmDetail>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>2163</InvestmentIncomeExciseTaxAmt>
        <TaxUnderSection511Amt>0</TaxUnderSection511Amt>
        <SubtotalAmt>2163</SubtotalAmt>
        <SubtitleATaxAmt>0</SubtitleATaxAmt>
        <TaxBasedOnInvestmentIncomeAmt>2163</TaxBasedOnInvestmentIncomeAmt>
        <EstimatedPlusOvpmtIncmTxAmt>4000</EstimatedPlusOvpmtIncmTxAmt>
        <ExemptFrgnOrgTaxWthldAtSrceAmt>0</ExemptFrgnOrgTaxWthldAtSrceAmt>
        <ExtsnRequestIncomeTaxPaidAmt>3000</ExtsnRequestIncomeTaxPaidAmt>
        <BackupWithholdingWithheldAmt>0</BackupWithholdingWithheldAmt>
        <TotalPaymentsAndCreditsAmt>7000</TotalPaymentsAndCreditsAmt>
        <EsPenaltyAmt>0</EsPenaltyAmt>
        <OverpaymentAmt>4837</OverpaymentAmt>
        <AppliedToESTaxAmt>4837</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>JONATHAN BETE</IndividualWithBooksNm>
        <PhoneNum>4137737319</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>75 MEADOW WOOD DRIVE</AddressLine1Txt>
          <CityNm>GREENFIELD</CityNm>
          <StateAbbreviationCd>MA</StateAbbreviationCd>
          <ZIPCd>013011152</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>CHANNING L BETE JR</PersonNm>
          <USAddress>
            <AddressLine1Txt>75 MEADOW WOOD DRIVE</AddressLine1Txt>
            <CityNm>GREENFIELD</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>013011152</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>MARIE P BETE</PersonNm>
          <USAddress>
            <AddressLine1Txt>75 MEADOW WOOD DRIVE</AddressLine1Txt>
            <CityNm>GREENFIELD</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>013011152</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>JENNIFER M MOSER</PersonNm>
          <USAddress>
            <AddressLine1Txt>75 MEADOW WOOD DRIVE</AddressLine1Txt>
            <CityNm>GREENFIELD</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>013011152</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>JONATHAN A BETE</PersonNm>
          <USAddress>
            <AddressLine1Txt>75 MEADOW WOOD DRIVE</AddressLine1Txt>
            <CityNm>GREENFIELD</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>013011152</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</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>2220968</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>46665</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>2267633</TotalFMVOfUnusedAssetsAmt>
        <ReductionClaimedAmt>0</ReductionClaimedAmt>
        <AcquisitionIndebtednessAmt>0</AcquisitionIndebtednessAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>2267633</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>34014</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>2233619</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>111681</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>111681</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>2163</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>2163</TotalTaxAmt>
        <DistributableBeforeAdjAmt>109518</DistributableBeforeAdjAmt>
        <RecoveriesQualfiedDistriAmt>0</RecoveriesQualfiedDistriAmt>
        <DistributableBeforeDedAmt>109518</DistributableBeforeDedAmt>
        <DeductionFromDistributableAmt>0</DeductionFromDistributableAmt>
        <DistributableAsAdjustedAmt>109518</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>110560</ExpensesAndContributionsAmt>
        <ProgramRelatedInvstTotalAmt>0</ProgramRelatedInvstTotalAmt>
        <QualifyingDistributionsAmt>110560</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>109518</DistributableAsAdjustedAmt>
        <UndistributedIncomePYAmt>0</UndistributedIncomePYAmt>
        <TotalForPriorYearsAmt>0</TotalForPriorYearsAmt>
        <ExcessDistributionCyovYr5Amt>7073</ExcessDistributionCyovYr5Amt>
        <ExcessDistributionCyovYr4Amt>534</ExcessDistributionCyovYr4Amt>
        <ExcessDistributionCyovYr3Amt>29430</ExcessDistributionCyovYr3Amt>
        <ExcessDistributionCyovYr2Amt>7268</ExcessDistributionCyovYr2Amt>
        <ExcessDistributionCyovYr1Amt>5628</ExcessDistributionCyovYr1Amt>
        <TotalExcessDistributionCyovAmt>49933</TotalExcessDistributionCyovAmt>
        <QualifyingDistributionsAmt>110560</QualifyingDistributionsAmt>
        <AppliedToYear1Amt>0</AppliedToYear1Amt>
        <AppliedToPriorYearsAmt>0</AppliedToPriorYearsAmt>
        <TreatedAsDistriFromCorpusAmt>0</TreatedAsDistriFromCorpusAmt>
        <AppliedToCurrentYearAmt>109518</AppliedToCurrentYearAmt>
        <RemainingDistriFromCorpusAmt>1042</RemainingDistriFromCorpusAmt>
        <ExcessDistriCyovAppCYCorpusAmt>0</ExcessDistriCyovAppCYCorpusAmt>
        <ExcessDistributionCyovAppCYAmt>0</ExcessDistributionCyovAppCYAmt>
        <TotalCorpusAmt>50975</TotalCorpusAmt>
        <PriorYearUndistributedIncmAmt>0</PriorYearUndistributedIncmAmt>
        <PriorYearDeficiencyOrTaxAmt>0</PriorYearDeficiencyOrTaxAmt>
        <Taxable1Amt>0</Taxable1Amt>
        <Taxable2Amt>0</Taxable2Amt>
        <UndistributedIncomeCYAmt>0</UndistributedIncomeCYAmt>
        <CorpusDistri170b1EOr4942g3Amt>0</CorpusDistri170b1EOr4942g3Amt>
        <ExcessDistriCyovFromYr5Amt>7073</ExcessDistriCyovFromYr5Amt>
        <ExcessDistriCyovToNextYrAmt>43902</ExcessDistriCyovToNextYrAmt>
        <ExcessFromYear4Amt>534</ExcessFromYear4Amt>
        <ExcessFromYear3Amt>29430</ExcessFromYear3Amt>
        <ExcessFromYear2Amt>7268</ExcessFromYear2Amt>
        <ExcessFromYear1Amt>5628</ExcessFromYear1Amt>
        <ExcessFromCurrentYearAmt>1042</ExcessFromCurrentYearAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <ContributingManagerNm>CHANNING L BETE JR</ContributingManagerNm>
        <ContributingManagerNm>MARIE P BETE</ContributingManagerNm>
        <ApplicationSubmissionInfoGrp>
          <RecipientPersonNm>BETE FAMILY FOUNDATION TRUSTEES</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>75 MEADOW WOOD DRIVE</AddressLine1Txt>
            <CityNm>GREENFIELD</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>013011152</ZIPCd>
          </RecipientUSAddress>
          <RecipientPhoneNum>4137737319</RecipientPhoneNum>
          <RecipientEmailAddressTxt>CLBETE@CROCKER.COM</RecipientEmailAddressTxt>
          <FormAndInfoAndMaterialsTxt>PLEASE REQUEST THE BETE FAMILY FOUNDATION GRANT APPLICATION</FormAndInfoAndMaterialsTxt>
          <SubmissionDeadlinesTxt>PROPOSALS SHOULD BE SUBMITTED BY APRIL 15</SubmissionDeadlinesTxt>
          <RestrictionsOnAwardsTxt>GRANTEES ARE LIMITED TO SECTION 501(C)(3) PUBLIC CHARITIES</RestrictionsOnAwardsTxt>
        </ApplicationSubmissionInfoGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>THE HEARTWING CENTER</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>78 AVENUE A</AddressLine1Txt>
            <CityNm>TURNERS FALLS</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01376</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO SUPPORT PROGRAMS THAT CREATE A SAFE, DIVERSE, AND JUST FUTURE FOR THE PEOPLE OF FRANKLIN COUNTY</GrantOrContributionPurposeTxt>
          <Amt>15000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>CENTER FOR NEW AMERICANS</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>90 FEDERAL STREET</AddressLine1Txt>
            <CityNm>GREENFIELD</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01301</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO AID PROGRAMS FOR IMMIGRANTS, REFUGEES, MIGRANTS, AND ASYLUM-SEEKERS IN WESTERN MASSACHUSETTS</GrantOrContributionPurposeTxt>
          <Amt>20000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>THE LITERACY PROJECT</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>15 BANK ROW</AddressLine1Txt>
            <CityNm>GREENFIELD</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01301</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO SUPPORT FREE CLASSES TO ADULTS IN BASIC SKILLS, HIGH SCHOOL EQUIVALENCY</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>HILLTOWN YOUTH PERFORMING ARTS</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>49 CONWAY STREET</AddressLine1Txt>
            <CityNm>SHELBURNE FALLS</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01370</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO SUPPORT SUMMER PERFORMING ARTS PROGRAM</GrantOrContributionPurposeTxt>
          <Amt>15000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>FRANKLIN COUNTY COMMUNITY MEALS</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 172</AddressLine1Txt>
            <CityNm>GREENFIELD</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01302</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO AID PROGRAMS THAT FEED OUR NEIGHBORS TO PURCHASE FOOD AND PROVIDE OUR REGULAR MEALS</GrantOrContributionPurposeTxt>
          <Amt>15000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>STONE SOUP CAF</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>399 MAIN STREET</AddressLine1Txt>
            <CityNm>GREENFIELD</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01301</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO AID PROGRAMS THAT FEED OUR NEIGHBORS, TO PURCHASE FOOD AND PROVIDE OUR REGULAR MEALS WHILE BUILDING COMMUNITY</GrantOrContributionPurposeTxt>
          <Amt>15000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>TWICE AS SMART</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>132 FEDERAL ST</AddressLine1Txt>
            <CityNm>GREENFIELD</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01301</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO PROVIDE CHILDREN AT RISK WITH AN ENRICHING AFTER-SCHOOL LEARNING ENVIRONMENT THAT IS BOTH TRAUMAINFORMED AND STRENGTHBASED, TO LAUNCH THEM ON A PATH TO CONTINUING EDUCATION AND PURPOSEFUL LIVES</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>THE UNITED ARC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>294 AVENUE A</AddressLine1Txt>
            <CityNm>TURNERS FALLS</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01376</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO SUPPORT INDIVIDUALS WITH DISABILITIES AND THEIR FAMILIES AS THEY SEEK OPPORTUNITIES TO OBTAIN THE UNIVERSAL GOALS OF COMMUNITY INCLUSION, OWNERSHIP OF CHOICE, AND MAXIMIZING INDEPENDENCE</GrantOrContributionPurposeTxt>
          <Amt>4961</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>STONLEIGH BURNHAM EQUESTRIAN CENTER</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>574 BERNARDSTON ROAD</AddressLine1Txt>
            <CityNm>GREENFIELD</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01301</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO HELP CHILDREN GAIN CONFIDENCE AND SKILLS THROUGH WORKING WITH AND TAKING CARE OF HORSES</GrantOrContributionPurposeTxt>
          <Amt>300</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>DAKIN HUMANE SOCIETY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>424 E 92ND STREET</AddressLine1Txt>
            <CityNm>NEW YORK</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>10128</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO IMPROVE THE LIVES OF ANIMALS IN NEED AND TO SERVE THE PEOPLE WHO LOVE THEM BY BOLSTERING THE HUMAN-ANIMAL BOND</GrantOrContributionPurposeTxt>
          <Amt>400</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>FOOD BANK OF WESTERN MASSACHUSETTS</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>25 CAREW ST</AddressLine1Txt>
            <CityNm>CHICOPEE</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01020</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO BUILD LASTING FOOD SECURITY BY PROVIDING NUTRITIOUS FOOD AND PARTNERING WITH COMMUNITIES TO END HUNGER IN WESTERN MASSACHUSETTS</GrantOrContributionPurposeTxt>
          <Amt>400</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ANERA</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>1111 14TH STREET NW</AddressLine1Txt>
            <CityNm>WASHINGTON</CityNm>
            <StateAbbreviationCd>DC</StateAbbreviationCd>
            <ZIPCd>20005</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO PROVIDE HUMANITARIAN ASSISTANCE AND SUSTAINABLE DEVELOPMENT TO ADVANCE THE WELL-BEING OF REFUGEES AND OTHER VULNERABLE COMMUNITIES IN PALESTINE, LEBANON, AND JORDAN</GrantOrContributionPurposeTxt>
          <Amt>1200</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>102261</TotalGrantOrContriPdDurYrAmt>
        <TotalGrantOrContriApprvFutAmt>0</TotalGrantOrContriApprvFutAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>8</ExclusionAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DividendsAndInterestFromSecDtl>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>46916</ExclusionAmt>
        </DividendsAndInterestFromSecDtl>
        <OtherInvestmentIncomeGrp>
          <ExclusionCd>01</ExclusionCd>
          <ExclusionAmt>67</ExclusionAmt>
        </OtherInvestmentIncomeGrp>
        <GainSalesAstOthThanInvntryGrp>
          <ExclusionCd>18</ExclusionCd>
          <ExclusionAmt>136439</ExclusionAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <UnrelatedBusinessTaxblIncmAmt>0</UnrelatedBusinessTaxblIncmAmt>
          <ExclusionAmt>183430</ExclusionAmt>
          <RelatedOrExemptFunctionIncmAmt>0</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>183430</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/TAX SERVICES</CategoryTxt>
        <Amt>16529</Amt>
        <NetInvestmentIncomeAmt>8265</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>8264</DisbursementsCharitablePrpsAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <InvestmentsCorpBondsSchedule documentId="RetDoc2044400001">
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES IBONDS 2026 TERM HIGH YIELD AND INCOME ETF</BondNm>
        <EOYBookValueAmt>22680</EOYBookValueAmt>
        <EOYFMVAmt>22480</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES IBONDS 2027 TERM HIGH YIELD AND INCOME ETF</BondNm>
        <EOYBookValueAmt>15860</EOYBookValueAmt>
        <EOYFMVAmt>15825</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES IBONDS 2028 TERM HIGH YIELD AND INCOME ETF</BondNm>
        <EOYBookValueAmt>15857</EOYBookValueAmt>
        <EOYFMVAmt>15839</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES IBONDS 2029 TERM HIGH YIELD AND INCOME ETF</BondNm>
        <EOYBookValueAmt>29444</EOYBookValueAmt>
        <EOYFMVAmt>29419</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES IBONDS 2030 TERM HIGH YIELD AND INCOME ETF</BondNm>
        <EOYBookValueAmt>29461</EOYBookValueAmt>
        <EOYFMVAmt>29457</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES IBONDS DEC 2026 TERM CORPORATE ETF</BondNm>
        <EOYBookValueAmt>57295</EOYBookValueAmt>
        <EOYFMVAmt>57595</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES IBONDS DEC 2026 TERM TREASURY ETF</BondNm>
        <EOYBookValueAmt>39639</EOYBookValueAmt>
        <EOYFMVAmt>39620</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES IBONDS DEC 2027 TERM CORPORATE ETF</BondNm>
        <EOYBookValueAmt>39399</EOYBookValueAmt>
        <EOYFMVAmt>39649</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES IBONDS DEC 2027 TERM TREASURY ETF</BondNm>
        <EOYBookValueAmt>39478</EOYBookValueAmt>
        <EOYFMVAmt>39637</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES IBONDS DEC 2028 TERM CORPORATE ETF</BondNm>
        <EOYBookValueAmt>39363</EOYBookValueAmt>
        <EOYFMVAmt>39633</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES IBONDS DEC 2029 TERM CORPORATE ETF</BondNm>
        <EOYBookValueAmt>43573</EOYBookValueAmt>
        <EOYFMVAmt>44259</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES IBONDS DEC 2029 TERM TREASURY ETF</BondNm>
        <EOYBookValueAmt>39069</EOYBookValueAmt>
        <EOYFMVAmt>39589</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES IBONDS DEC 2030 TERM CORPORATE ETF</BondNm>
        <EOYBookValueAmt>73488</EOYBookValueAmt>
        <EOYFMVAmt>73493</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES TRUST IBONDS DEC 2028 TERM TREASURY ETF</BondNm>
        <EOYBookValueAmt>39277</EOYBookValueAmt>
        <EOYFMVAmt>39608</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES TRUST IBONDS DEC 2030 TERM TREASURY ETF</BondNm>
        <EOYBookValueAmt>39711</EOYBookValueAmt>
        <EOYFMVAmt>39531</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
    </InvestmentsCorpBondsSchedule>
    <InvestmentsCorpStockSchedule documentId="RetDoc2018900001">
      <InvestmentsCorporateStockGrp>
        <StockNm>ABBVIE</StockNm>
        <EOYBookValueAmt>17848</EOYBookValueAmt>
        <EOYFMVAmt>24448</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ACCENTURE PLC</StockNm>
        <EOYBookValueAmt>16302</EOYBookValueAmt>
        <EOYFMVAmt>14488</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ADOBE SYSTEMS</StockNm>
        <EOYBookValueAmt>8852</EOYBookValueAmt>
        <EOYFMVAmt>8050</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ALPHABET</StockNm>
        <EOYBookValueAmt>37063</EOYBookValueAmt>
        <EOYFMVAmt>108888</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>AMAZON</StockNm>
        <EOYBookValueAmt>46786</EOYBookValueAmt>
        <EOYFMVAmt>82402</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>AMERICAN EXPRESS</StockNm>
        <EOYBookValueAmt>20991</EOYBookValueAmt>
        <EOYFMVAmt>50683</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>APPLE</StockNm>
        <EOYBookValueAmt>37346</EOYBookValueAmt>
        <EOYFMVAmt>89170</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>APPLIED MATERIALS</StockNm>
        <EOYBookValueAmt>8079</EOYBookValueAmt>
        <EOYFMVAmt>20559</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>BANK OF AMERICA</StockNm>
        <EOYBookValueAmt>27055</EOYBookValueAmt>
        <EOYFMVAmt>41910</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>BLACKROCK INC.</StockNm>
        <EOYBookValueAmt>22274</EOYBookValueAmt>
        <EOYFMVAmt>24618</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>BRISTOLMYERS SQUIBB</StockNm>
        <EOYBookValueAmt>19154</EOYBookValueAmt>
        <EOYFMVAmt>22493</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>BROADCOM</StockNm>
        <EOYBookValueAmt>52054</EOYBookValueAmt>
        <EOYFMVAmt>86525</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>CATERPILLAR</StockNm>
        <EOYBookValueAmt>19660</EOYBookValueAmt>
        <EOYFMVAmt>48121</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>CBRE GROUP</StockNm>
        <EOYBookValueAmt>11971</EOYBookValueAmt>
        <EOYFMVAmt>25726</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>CHARLES SCHWAB CORP.</StockNm>
        <EOYBookValueAmt>66289</EOYBookValueAmt>
        <EOYFMVAmt>70836</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>CHUBB</StockNm>
        <EOYBookValueAmt>11532</EOYBookValueAmt>
        <EOYFMVAmt>17479</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>CIGNA GROUP</StockNm>
        <EOYBookValueAmt>17354</EOYBookValueAmt>
        <EOYFMVAmt>13762</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>CISCO SYSTEMS</StockNm>
        <EOYBookValueAmt>34933</EOYBookValueAmt>
        <EOYFMVAmt>50224</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>COCACOLA</StockNm>
        <EOYBookValueAmt>38711</EOYBookValueAmt>
        <EOYFMVAmt>43274</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>COMCAST</StockNm>
        <EOYBookValueAmt>33575</EOYBookValueAmt>
        <EOYFMVAmt>22358</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>CONOCO PHILLIPS</StockNm>
        <EOYBookValueAmt>9885</EOYBookValueAmt>
        <EOYFMVAmt>15726</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>COSTCO WHOLESALE</StockNm>
        <EOYBookValueAmt>10789</EOYBookValueAmt>
        <EOYFMVAmt>22421</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>CSX</StockNm>
        <EOYBookValueAmt>10186</EOYBookValueAmt>
        <EOYFMVAmt>10948</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>DELTA AIR LINES INC.</StockNm>
        <EOYBookValueAmt>20485</EOYBookValueAmt>
        <EOYFMVAmt>35047</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>EBAY INC.</StockNm>
        <EOYBookValueAmt>14520</EOYBookValueAmt>
        <EOYFMVAmt>23953</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>EOG RESOURCES</StockNm>
        <EOYBookValueAmt>11807</EOYBookValueAmt>
        <EOYFMVAmt>13441</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>EXXON MOBIL</StockNm>
        <EOYBookValueAmt>30145</EOYBookValueAmt>
        <EOYFMVAmt>40916</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>GILEAD SCIENCES INC.</StockNm>
        <EOYBookValueAmt>22942</EOYBookValueAmt>
        <EOYFMVAmt>38295</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>HOME DEPOT</StockNm>
        <EOYBookValueAmt>12152</EOYBookValueAmt>
        <EOYFMVAmt>14452</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>JPMORGAN CHASE</StockNm>
        <EOYBookValueAmt>17220</EOYBookValueAmt>
        <EOYFMVAmt>45111</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>META PLATFORMS</StockNm>
        <EOYBookValueAmt>41410</EOYBookValueAmt>
        <EOYFMVAmt>77231</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>MICROSOFT</StockNm>
        <EOYBookValueAmt>25888</EOYBookValueAmt>
        <EOYFMVAmt>80765</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>NEXTERA ENERGY</StockNm>
        <EOYBookValueAmt>17934</EOYBookValueAmt>
        <EOYFMVAmt>22478</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>NRG ENERGY</StockNm>
        <EOYBookValueAmt>10574</EOYBookValueAmt>
        <EOYFMVAmt>36944</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>NVIDIA</StockNm>
        <EOYBookValueAmt>23474</EOYBookValueAmt>
        <EOYFMVAmt>83552</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>NXP SEMICONDUCTORS</StockNm>
        <EOYBookValueAmt>19738</EOYBookValueAmt>
        <EOYFMVAmt>17582</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ORACLE</StockNm>
        <EOYBookValueAmt>16179</EOYBookValueAmt>
        <EOYFMVAmt>35474</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>PROGRESSIVE CORP</StockNm>
        <EOYBookValueAmt>32133</EOYBookValueAmt>
        <EOYFMVAmt>50554</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>PULTEGROUP</StockNm>
        <EOYBookValueAmt>20914</EOYBookValueAmt>
        <EOYFMVAmt>35295</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>QUALCOMM, INC.</StockNm>
        <EOYBookValueAmt>11361</EOYBookValueAmt>
        <EOYFMVAmt>11631</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>SALESFORCE</StockNm>
        <EOYBookValueAmt>30151</EOYBookValueAmt>
        <EOYFMVAmt>28345</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>STEEL DYNAMICS</StockNm>
        <EOYBookValueAmt>3957</EOYBookValueAmt>
        <EOYFMVAmt>17114</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>SYNCHRONY FINANCIAL CORP.</StockNm>
        <EOYBookValueAmt>21289</EOYBookValueAmt>
        <EOYFMVAmt>36876</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>TESLA</StockNm>
        <EOYBookValueAmt>26381</EOYBookValueAmt>
        <EOYFMVAmt>30131</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>UNITEDHEALTH GROUP</StockNm>
        <EOYBookValueAmt>29051</EOYBookValueAmt>
        <EOYFMVAmt>26079</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>VISA</StockNm>
        <EOYBookValueAmt>27993</EOYBookValueAmt>
        <EOYFMVAmt>41033</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WALMART INC.</StockNm>
        <EOYBookValueAmt>34123</EOYBookValueAmt>
        <EOYFMVAmt>37211</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <OtherExpensesSchedule documentId="RetDoc2003200001">
      <OtherExpensesScheduleGrp>
        <Desc>MASSACHUSETTS FILING FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>35</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>35</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncomeSchedule2 documentId="RetDoc2001500001">
      <OtherIncomeDetail>
        <Desc>SETTLEMENT INCOME</Desc>
        <RevenueAndExpensesPerBooksAmt>67</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>67</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>67</AdjustedNetIncomeAmt>
      </OtherIncomeDetail>
    </OtherIncomeSchedule2>
    <OtherProfessionalFeesSchedule documentId="RetDoc2002300001">
      <OtherProfessionalFeesDetail>
        <CategoryTxt>INVESTMENT FEES</CategoryTxt>
        <Amt>19389</Amt>
        <NetInvestmentIncomeAmt>19389</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
    </OtherProfessionalFeesSchedule>
    <TaxesSchedule documentId="RetDoc2002500001">
      <TaxesDetail>
        <CategoryTxt>TAXES PAID</CategoryTxt>
        <Amt>4188</Amt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FOREIGN TAXES PAID</CategoryTxt>
        <Amt>77</Amt>
        <NetInvestmentIncomeAmt>77</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>