2026-05-26T15:03:36-05:00 2025-12-31 331655350 FARROW & LOCKE CPA ASSOCIATES PLLC 116 E MAIN STREET SUITE 3 NORWICH NY 13815 990PF 2025-01-01 161577124 THE FREDERICK B AND RAMONA E MIRABITO FOUNDATION FRED 6073349090 PO BOX 550 NORWICH NY 13815 RICHARD RUNYON TRUSTEE 6073161650 2026-05-12 1 DANIEL J FARROW P00850081 6072334144 2025 2025-03-06 01:10:19Z X 17896257 X X 602057 602057 321558 4278800 321558 923615 923615 34300 17150 17150 9478 7108 2370 94779 94779 0 13987 0 0 6252 3126 3126 3186 1593 1593 161982 123756 24239 615331 615331 777313 123756 639570 146302 799859 281527 284653 284653 884264 453693 453693 449781 100806 100806 12825257 16180713 16180713 619762 567489 567489 504099 292477 292477 14507 16426 16426 15579197 17896257 17896257 11405 11405 0 X 15567792 17896257 15567792 17896257 15579197 17896257 15567792 146302 2182163 17896257 0 17896257 NBT BANCORP INC COM 2023-09-13 2025-04-08 686 562 124 124 NBT BANCORP INC COM 2023-12-13 2025-04-08 582 568 14 14 NBT BANCORP INC COM 2023-09-12 2025-04-08 38078 30761 7317 7317 NBT BANCORP INC COM 2024-03-13 2025-04-08 430 372 58 58 CVS HEALTH CORPORATION COM USD0.01 2025-04-30 2025-08-06 1 1 0 0 CVS HEALTH CORPORATION COM USD0.01 2025-04-30 2025-08-05 258 269 -11 -11 CVS HEALTH CORPORATION COM USD0.01 2025-07-31 2025-08-05 269 271 -2 -2 CVS HEALTH CORPORATION COM USD0.01 2025-01-31 2025-08-05 298 266 32 32 CVS HEALTH CORPORATION COM USD0.01 2024-10-18 2025-08-05 25370 23330 2040 2040 ELEVANCE HEALTH INC COM 2025-03-24 2025-08-14 124 181 -57 -57 ELEVANCE HEALTH INC COM 2025-06-24 2025-08-14 146 185 -39 -39 ELEVANCE HEALTH INC COM 2022-03-23 2025-08-13 85 133 -48 -48 ELEVANCE HEALTH INC COM 2021-12-17 2025-08-13 115 174 -59 -59 ELEVANCE HEALTH INC COM 2021-09-22 2025-08-13 135 173 -38 -38 ELEVANCE HEALTH INC COM 2021-06-23 2025-08-13 135 173 -38 -38 ELEVANCE HEALTH INC COM 2021-03-23 2025-08-13 145 172 -27 -27 ELEVANCE HEALTH INC COM 2020-12-18 2025-08-13 138 144 -6 -6 ELEVANCE HEALTH INC COM 2020-09-23 2025-08-13 171 144 27 27 ELEVANCE HEALTH INC COM 2020-06-23 2025-08-13 158 143 15 15 ELEVANCE HEALTH INC COM 2020-03-25 2025-08-13 197 143 54 54 ELEVANCE HEALTH INC COM 2020-01-02 2025-08-13 29579 30022 -443 -443 ELEVANCE HEALTH INC COM 2025-03-24 2025-08-13 3 4 -1 -1 ELEVANCE HEALTH INC COM 2022-09-21 2025-08-13 83 134 -51 -51 ELEVANCE HEALTH INC COM 2024-12-19 2025-08-13 142 175 -33 -33 ELEVANCE HEALTH INC COM 2024-09-24 2025-08-13 98 175 -77 -77 ELEVANCE HEALTH INC COM 2024-06-24 2025-08-13 96 174 -78 -78 ELEVANCE HEALTH INC COM 2024-03-20 2025-08-13 100 174 -74 -74 ELEVANCE HEALTH INC COM 2023-12-19 2025-08-13 100 157 -57 -57 ELEVANCE HEALTH INC COM 2023-09-20 2025-08-13 104 157 -53 -53 ELEVANCE HEALTH INC COM 2023-06-21 2025-08-13 103 156 -53 -53 ELEVANCE HEALTH INC COM 2023-03-22 2025-08-13 97 156 -59 -59 ELEVANCE HEALTH INC COM 2022-12-19 2025-08-13 79 134 -55 -55 ELEVANCE HEALTH INC COM 2022-06-22 2025-08-13 85 134 -49 -49 WEST HILLS TACTICAL CORE FUND 2020-01-02 2025-01-03 997572 738138 259434 259434 WEST HILLS TACTICAL CORE FUND 2024-12-20 2025-01-03 24495 18125 6370 6370 JPMORGAN INCOME BUILDER FUND CLASS I 2020-01-02 2025-01-10 219674 241043 -21369 -21369 JPMORGAN INCOME BUILDER FUND CLASS I 2024-12-20 2025-01-10 13295 14588 -1293 -1293 ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD 2019-12-11 2025-08-13 8 9 -1 -1 ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD 2020-02-13 2025-08-13 4834 5170 -336 -336 ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD 2020-09-22 2025-08-13 47 50 -3 -3 ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD 2020-10-14 2025-08-13 36091 38560 -2469 -2469 ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD 2019-12-11 2025-08-13 7 7 0 0 ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD 2020-06-23 2025-08-13 13 14 -1 -1 ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD 2020-07-28 2025-08-13 17 18 -1 -1 ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD 2020-08-25 2025-08-13 13 13 0 0 ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD 2020-09-14 2025-08-13 16818 17928 -1110 -1110 ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD 2020-02-25 2025-08-13 60 64 -4 -4 ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD 2020-03-24 2025-08-13 86 81 5 5 ALPHABET INC CAP STKCL C 2020-01-17 2025-11-03 42347 11024 31323 31323 BOEING CO NOTE 2.50000% 03/01/2025 2020-10-05 2025-03-03 30000 30000 0 0 BLACKROCK 60/40 TARGET ALLOC INSTL 2024-12-24 2025-01-06 20004 20698 -694 -694 BLACKROCK 60/40 TARGET ALLOC INSTL 2020-01-02 2025-01-06 229870 237855 -7985 -7985 MARRIOTT INTL INC NEW SER V NOTE 3.75000% 03/15/2025 2020-10-05 2025-03-17 30000 30000 0 0 PACER FDS TR DEVELOPED MRKT 2025-03-11 2025-06-09 12 11 1 1 PACER FDS TR DEVELOPED MRKT 2023-03-13 2025-06-06 50198 42873 7325 7325 PACER FDS TR DEVELOPED MRKT 2025-03-11 2025-06-06 692 651 41 41 PACER FDS TR DEVELOPED MRKT 2024-07-02 2025-06-06 2726 2491 235 235 PACER FDS TR DEVELOPED MRKT 2024-03-25 2025-06-06 154 146 8 8 PACER FDS TR DEVELOPED MRKT 2023-12-29 2025-06-06 699 653 46 46 PACER FDS TR DEVELOPED MRKT 2024-12-31 2025-06-06 302 263 39 39 PACER FDS TR DEVELOPED MRKT 2023-09-25 2025-06-06 1318 1180 138 138 PACER FDS TR DEVELOPED MRKT 2023-04-04 2025-06-06 33465 29954 3511 3511 PACER FDS TR DEVELOPED MRKT 2024-10-01 2025-06-06 434 410 24 24 UBER TECHNOLOGIES INC COM 2025-04-04 2025-04-10 35777 32703 3074 3074 ORGANON &CO COMMON STOCK 2025-03-12 2025-05-14 7 13 -6 -6 ORGANON &CO COMMON STOCK 2021-06-09 2025-05-13 7764 26021 -18257 -18257 ORGANON &CO COMMON STOCK 2021-04-05 2025-05-13 6 25 -19 -19 ORGANON &CO COMMON STOCK 2020-10-05 2025-05-13 5 23 -18 -18 ORGANON &CO COMMON STOCK 2020-08-21 2025-05-13 252 1206 -954 -954 ORGANON &CO COMMON STOCK 2020-07-02 2025-05-13 3 15 -12 -12 ORGANON &CO COMMON STOCK 2020-04-03 2025-05-13 3 14 -11 -11 ORGANON &CO COMMON STOCK 2020-01-17 2025-05-13 419 2153 -1734 -1734 ORGANON &CO COMMON STOCK 2021-01-06 2025-05-13 5 25 -20 -20 ORGANON &CO COMMON STOCK 2022-09-13 2025-05-13 84 288 -204 -204 ORGANON &CO COMMON STOCK 2024-12-11 2025-05-13 343 618 -275 -275 ORGANON &CO COMMON STOCK 2024-09-11 2025-05-13 258 610 -352 -352 ORGANON &CO COMMON STOCK 2024-06-12 2025-05-13 243 602 -359 -359 ORGANON &CO COMMON STOCK 2024-03-12 2025-05-13 273 593 -320 -320 ORGANON &CO COMMON STOCK 2023-12-19 2025-05-13 8464 13533 -5069 -5069 ORGANON &CO COMMON STOCK 2023-12-12 2025-05-13 229 305 -76 -76 ORGANON &CO COMMON STOCK 2023-09-12 2025-05-13 131 301 -170 -170 ORGANON &CO COMMON STOCK 2023-06-13 2025-05-13 122 297 -175 -175 ORGANON &CO COMMON STOCK 2023-03-14 2025-05-13 112 293 -181 -181 ORGANON &CO COMMON STOCK 2022-12-13 2025-05-13 87 290 -203 -203 ORGANON &CO COMMON STOCK 2025-03-12 2025-05-13 345 617 -272 -272 ORGANON &CO COMMON STOCK 2022-06-14 2025-05-13 73 285 -212 -212 ORGANON &CO COMMON STOCK 2022-03-15 2025-05-13 74 283 -209 -209 ORGANON &CO COMMON STOCK 2021-12-14 2025-05-13 82 280 -198 -198 ORGANON &CO COMMON STOCK 2021-04-07 2025-05-13 6 29 -23 -23 MORGAN STANLEY BK N A CD 5.00000% 03/10/2025 2023-03-01 2025-03-10 40000 40000 0 0 WELLS FARGO BANK NATL ASSN CD 5.10000% 08/22/2025 2023-08-14 2025-08-22 50000 50000 0 0 CALUMET INC COM 2023-07-05 2025-04-10 13378 23681 -10303 -10303 CALUMET INC COM 2023-12-19 2025-04-10 8919 16593 -7674 -7674 FARMERS &MERCHANTS BK BERLIN CD 4.40000% 09/25/2028 2024-09-11 2025-09-25 100000 100000 0 0 FS MULT STR ALT I 2024-12-24 2025-08-25 15253 14801 452 452 BOND FD OF AMER F2 2024-12-24 2025-05-22 425636 445988 -20352 -20352 ISHS US TREAS 2024-12-24 2025-10-20 8165 7986 179 179 JPM EQ PREM INC I 2024-12-24 2025-04-11 45803 49202 -3399 -3399 FS MULT STR ALT I 2020-01-06 2025-08-25 614442 580381 34061 34061 ISHS US TREAS 2020-01-06 2025-10-20 352168 345719 6449 6449 JPM EQ PREM INC I 2020-01-06 2025-04-11 597885 629535 -31650 -31650 CAPITAL GAINS DIVIDENDS P 98543 98543 98543 321558 11118 0 11118 0 11118 16680 0 0 0 16680 X 60 5502 5502 0 0 0 0 0 0 0 0 0 0 0 0 1 NY 1 0 0 0 0 1 N/A TRUSTEE 6073161650 34 HAYES STREET UNIT 1 NORWICH NY 13815 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 RICHARD RUNYON PO BOX 550 NORWICH NY 13815 TRUSTEE 6.00 34300 0 0 NONE 0 NONE 0 0 16284412 786215 0 17070627 0 0 17070627 256059 16814568 840728 840728 11118 11118 829610 0 829610 0 829610 639570 0 639570 829610 0 0 81513 42440 205732 329685 639570 0 0 0 639570 0 190040 190040 139645 0 0 0 0 0 0 0 139645 139645 X ACHIEVE 4733 VESTAL PKWY VESTAL NY 13850 PC CHENANGO COUNTY LEADERSHIP CONFERENCE 5000 CHENANGO GREENWAY CONSERVANCY PO BOX 376 NORWICH NY 13815 PC IMPROVE STONE QUARRY TRAIL 15000 COLORSCAPE CHENANGO ARTS FESTIVAL PO BOX 624 NORWICH NY 13815 PC ARTS FESTIVAL 10000 NORWICH BUILDING TOMORROW FOUNDATION 52 SOUTH BROAD ST NORWICH NY 13815 PC PARKS MASTER PLAN, ST LIGHTS, CURB APPEAL, S BROAD ST PARK 260000 CHURCH OF ST BARTHOLOMEW 30 PLEASANT ST NORWICH NY 13815 PC REPLACE BOILER, SIDEWALK REPLACEMENT 54000 CHRISTIAN NEIGHBORHOOD CENTER PO BOX 509 NORWICH NY 13815 PC TEEN PROGRAM 12550 THE IMPACT PROJECT 4 CLINTON ST GREENE NY 13778 PC HOME IMPROVEMENT PROJECTS TO BENEFIT THE IMPACT PROJECT 45000 AUNT MARY'S HOUSE PO BOX 955 NORWICH NY 13815 PC HOUSE OPERATIONS 31274 BROAD STREET UNITED METHODIST CHURCH 74 N BROAD ST NORWICH NY 13815 PC ROOF REPAIR 50000 CHENANGO COUNTY BLUES SOCIETY 5 SOUTH BROAD ST NORWICH NY 13815 PC THURSDAY CONCERT SERIES 25000 NORWICH BUSINESS IMPROVEMENT DISTRICT PO BOX 1127 NORWICH NY 13815 PC DOWNTOWN REVITALIZATION 60000 CATHOLIC CHARITIES OF CHENANGO COUNTY 3 OHARA DRIVE NORWICH NY 13815 PC FOOD FOR FOOD PANTRY 24000 RURAL HEALTH NETWORK OF SCNY 455 COURT ST BINGHAMTON NY 13904 PC CONNECTIONS TO CARE 10000 CHIP INC 27 WEST MAIN ST NORWICH NY 13815 PC REPLACE GAS BOILER 13507 615331 0 14 602057 14 321558 0 923615 0 923615 0 0 0 0 0 0 0 0 0 0 ACCOUNTING AND TAX PREPARATION 9478 7108 2370 BLOCK FINL LLC NOTE CALL MAKE WHOLE3.87500% 08/15/2030 28897 28897 CITIGROUP INC SER G MTN 2.50000% 04/30/2036 25203 25203 FEDEX CORP NOTE CALL MAKE WHOLE3.90000% 02/01/2035 27613 27613 GENERAL MTRS FINL COINC NOTE 4.30000% 04/06/2029 CALL MAKE WHOLE 29939 29939 GOLDMAN SACHS GROUP INC SER N MTN 4.75000% 08/22/2033 29646 29646 HP INC NOTE CALL MAKE WHOLE4.00000% 04/15/2029 29682 29682 JOHNSON &JOHNSON NOTE CALL MAKE WHOLE3.40000% 01/15/2038 26364 26364 JPMORGAN CHASE &CO SER E MTN 2.00000% 10/30/2034 23606 23606 KRAFT HEINZ FOODS CONOTE CALL MAKE WHOLE4.62500% 01/30/2029 30393 30393 LAS VEGAS SANDS CORPNOTE CALL MAKE WHOLE3.90000% 08/08/2029 29240 29240 LOCKHEED MARTIN CORPNOTE CALL MAKE WHOLE3.60000% 03/01/2035 27686 27686 M &T BK CORP BOND PERPETUAL 3.50000% 29066 29066 ORACLE CORP NOTE CALL MAKE WHOLE2.87500% 03/25/2031 26958 26958 PARAMOUNT GLOBAL NOTE CALL MAKE WHOLE4.95000% 01/15/2031 28849 28849 PRUDENTIAL FINL INC MTN 4.5000% 30316 30316 ROYAL BK CDA SER I MTN 5.25000% 02/14/2031 29893 29893 SOUTHERN CO SER 2020B NOTE 4.00000% 01/15/2051 29982 29982 SYSCO CORP NOTE CALL MAKE WHOLE2.40000% 02/15/2030 27920 27920 UNITEDHEALTH GROUP INC NOTE 3.50000% 08/15/2039 CALL MAKE WHOLE 24980 24980 UNITEDHEALTH GROUP INC NOTE 5.35000% 02/15/2033 CALL MAKE WHOLE 31256 31256 ALPHABET INC CAP STKCL C 205382 205382 ALPS ETF TRUST DYNAMIC CORE INCOME ETF 210920 210920 ALPS ETF TRUST RIVERFRONT DYNAMIC US DIV ADVANTAGE ETF 239412 239412 ALPS ETF TRUST RIVERFRONT STRATEGICINCOME FD 139454 139454 AMAZON.COM INC 92328 92328 AMGEN INC 52101 52101 BERKSHIRE HATHAWAY INC COM USD0.0033 CLASS B 113096 113096 BLACKROCK TAXABLE MUNICIPAL BOND TRUST 86666 86666 BUNGE GLOBAL SA COM USD0.01 57617 57617 CAPITAL GROUP CORE BALANCED ET SHS 357436 357436 CAPITAL GRP FIXED INCM ETF TR CORE PLUS INCM 159455 159455 CARETRUST REIT INC COM 47647 47647 CARILLON REAMS CORE PLUS BOND CL I 238326 238326 CHAUTAUQUA INTL GROWTH FUND CL I 178748 178748 CHEVRON CORP NEW COM 52160 52160 COCA-COLA CO 81876 81876 CORNING INC 88128 88128 DECKERS OUTDOOR COPRP 31101 31101 DEERE & CO 136976 136976 EATON VANCE SHT DUR STRATEGIC INC FD I 278200 278200 EXELON CORP COM NPV 130374 130374 FERGUSON ENTERPRISESINC COM 45259 45259 FID ADVISOR MULTI ASSET INCOME CLASS Z 322347 322347 FIDELITY ENHANCED INTERNATIONAL ETF 111361 111361 FIRST EAGLE GLOBAL CLASS I 195409 195409 FIRST TR EXCHANGE-TRADED FD IV FT VEST S&P 500 303263 303263 FIRST TRUST RIVERFRONT DYNAM 156908 156908 FLAHERTY AND CRUMRINE PREFERRED AND INCOME SECURITIES FUND INCORPORATED 80356 80356 FRANK VALUE FUND - INSTITUTIONAL 298461 298461 FRANKLIN INCOME ADVISOR CLASS 152998 152998 FREEPORT-MCMORAN INCCOM USD0.10 53085 53085 ISHARES RUSSELL 2000ETF 74908 74908 ISHARES TR 7-10 YR TRSY BD 272524 272524 ISHARES TR PFD AND INCM SEC 64802 64802 ISHARES TR RUS 1000 GRW ETF 209302 209302 ISHARES TRUST CORE MSCI EAFE ETF 249977 249977 KAYNE ANDERSON ENERGY INFRSTR COM 92753 92753 KEURIG DR PEPPER INCCOM 54526 54526 LOCKHEED MARTIN CORPCOM USD1.00 92936 92936 MERCK &CO. INC COM 99849 99849 MFS GROWTH FUND CLASS I 268458 268458 NATIONAL GRID SPON ADR EACH REP 5 ORD SHS POST SPLT 62332 62332 NBT BANCORP INC COM 44490 44490 NUVEEN PFD &INCOME OPPORTUNIT COM 51686 51686 NUVEEN TAXABLE MUNICPAL INM FD COM 90423 90423 PATHFINDER BANCORP INC (MARYLAND) 46311 46311 PFIZER INC 65980 65980 ROYCE SMALL CAP TRUST INC COM 26269 26269 SIEMENS AG SPON ADR EACH REP 0.5 ORD SHS 83970 83970 SIRIUSXM HOLDINGS INC COMMON STOCK 41926 41926 SOUTHERN CO 74473 74473 STATE STREET SPDR S&P 500 ETF UNITS 683746 683746 SUNCOR ENERGY INC NEW COM ISIN #CA8672241079 SEDOL #B3NB1P2 112911 112911 TRANSAMERICA BOND CLASS I 105369 105369 UBER TECHNOLOGIES INC COM 65368 65368 WALMART INC COM 176430 176430 WASTE MANAGEMENT INC 183455 183455 WATERSTONE FINANCIALINC 59573 59573 ZOOM COMMUNICATIONS,INC. CLASS A COMMON 86291 86291 BANK AMERICA CORP NON CUML PERPETL CONV PFD SER L 281228 281228 ISHARES CORE MSCI EAFE ETF 113131 113131 ISHARES CORE MSCI EMERGING MARKETS 307831 307831 ISHARES CORE S&P SMALL CAP ETF 115800 115800 ISHARES CORE S&P MID CAP ETF 135181 135181 JPMORGAN ACTIVE GROWTH ETF 651356 651356 JPMORGAN NASDAQ EQUITY PREMIUM INCOME 686074 686074 SPDR S&P 500 ETF 918061 918061 WELLS FARGO & COMPANY PERPETUAL PFD 264347 264347 EATON VANCE ATLANTA CAP SMID CAP CL 313265 313265 FIRST TRUST RISING DIVIDEND 819716 819716 GUGGENHEIM STRATEGIC OPPTY'S FUND COM SHS OF BEN INT 602582 602582 ISHARES MBS ETF 365691 365691 NEOS NASDAQ 100 HIGH INCOME 352783 352783 PIMCO DYNAMIC INCOME FUND 609473 609473 STATE STREET SPDR S&P 500 GROWTH 674878 674878 STATE STREET SPDR PORTFOLIO INTERMEDIATE TERM CORP BOND 731428 731428 100806 100806 0 0 CAPITAL ONE NATL ASSN VA CD 4.95000% 11/09/2026 FMV 50567 50567 MORGAN STANLEY BK N A CD 4.90000% 05/17/2027 FMV 50848 50848 MORGAN STANLEY PRIVATE BK NATL CD 4.90000% 04/17/2026 FMV 100299 100299 SALLIE MAE BK MURRAYUTAH CD 4.80000% 07/27/2026 FMV 50314 50314 SYNCHRONY BANK CD 4.35000% 10/07/2027 FMV 40449 40449 ACCRUED EARNINGS 14507 16426 16426 OFFICE EXPENSES, POSTAGE AND MAILING 2504 1252 1252 INSURANCE 682 341 341 SECTION 481(A) ADJUSTMENT 1185468 UNREALIZED GAINS CURRENT YEAR 996695 INVESTMENT FEES 94779 94779 0 FOREIGN TAXES 2572 0 0 EXCISE TAXES 10665 0 0 STATE FILING FEES 750 0 0