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        <StateAbbreviationCd>NY</StateAbbreviationCd>
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      <EIN>874052610</EIN>
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        <BusinessNameLine1Txt>Cowger Family Foundation</BusinessNameLine1Txt>
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      <InCareOfNm>% Foundation Source</InCareOfNm>
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      <PhoneNum>8008391754</PhoneNum>
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        <CityNm>Wilmington</CityNm>
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      <PersonNm>Christopher Cowger</PersonNm>
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    <PreparerPersonGrp>
      <PreparerPersonNm>Jeffrey D Haskell</PreparerPersonNm>
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      <PhoneNum>8008391754</PhoneNum>
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      <CapGainsLossTxInvstIncmDetail>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Publicly-traded Securities</PropertyDesc>
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        <CapitalGainNetIncomeAmt>571</CapitalGainNetIncomeAmt>
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        <InvestmentIncomeExciseTaxAmt>106</InvestmentIncomeExciseTaxAmt>
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        <TotalPaymentsAndCreditsAmt>70</TotalPaymentsAndCreditsAmt>
        <TaxDueAmt>36</TaxDueAmt>
        <RefundAmt>0</RefundAmt>
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          <PersonNm>Christopher Leland Cowger</PersonNm>
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            <CityNm>Wilmington</CityNm>
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            <ZIPCd>198091377</ZIPCd>
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            <CityNm>Wilmington</CityNm>
            <StateAbbreviationCd>DE</StateAbbreviationCd>
            <ZIPCd>198091377</ZIPCd>
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        <AdjustedTotalFMVOfUnusedAstAmt>366774</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>5502</CashDeemedCharitableAmt>
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        <PriorYear2Yr>2022</PriorYear2Yr>
        <PriorYear3Yr>2021</PriorYear3Yr>
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      <PrivateOperatingFoundationsGrp></PrivateOperatingFoundationsGrp>
      <SupplementaryInformationGrp>
        <ContributingManagerNm>Kay Cowger</ContributingManagerNm>
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          <RecipientBusinessName>
            <BusinessNameLine1Txt>FIDELITY INVESTMENTS CHARITABLE GIFT FUND</BusinessNameLine1Txt>
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          <RecipientUSAddress>
            <AddressLine1Txt>245 SUMMER ST MZ NM43A</AddressLine1Txt>
            <CityNm>BOSTON</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>02210</ZIPCd>
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          <RecipientRelationshipTxt>N/A</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>Cowger Family Gift Trust Donor advisor fund (SEE GENERAL EXPLANATION)</GrantOrContributionPurposeTxt>
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        <IdentifierTxt>PART XIV (FORM 990-PF):</IdentifierTxt>
        <FormAndLineReferenceDesc>PART XIV (FORM 990-PF):</FormAndLineReferenceDesc>
        <MediumExplanationTxt>DISTRIBUTIONS OF PROPERTY VALUE AT FAIR MARKET VALUE AT DATE OF DISTRIBUTION METHOD FOR DETERMINING FMV OF SECURITIES: AVERAGE OF HIGH/LOW ON DATE GRANTED TO CHARITY METHOD OF DETERMINING BOOK VALUE OF SECURITIES: COST OF AVERAGE OF HIGH/LOW ON DATE CONTRIBUTED TO FOUNDATION TOTAL FAIR MARKET VALUE OF PROPERTY: $10,118 TOTAL BOOK VALUE OF PROPERTY: $6,627 TOTAL CASH PORTION OF GRANTS: - TOTAL AMOUNT OF GRANTS: $10,118 FORM 990-PF, PART III, LINE 3 - OTHER INCREASES: $3,491 DETAILS OF ITEMS GRANTED: DESCRIPTION OF PROPERTY: VANGUARD S&amp;P 500 ETF UNITS: 16 DATE OF DISTRIBUTION: 12-29-2025 GRANT RECIPIENT: FIDELITY INVESTMENTS CHARITABLE GIFT FUND FMV OF PROPERTY: $10,118 BOOK VALUE OF PROPERTY: $6,627 CASH PORTION OF GRANT: - TOTAL AMOUNT OF GRANT: $10,118</MediumExplanationTxt>
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      <InvestmentsCorporateStockGrp>
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        <EOYFMVAmt>23166</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>FIDELITY TOTAL BOND ETF</StockNm>
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        <EOYFMVAmt>8563</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
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        <EOYFMVAmt>55</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARE SP SMALL CAP 600 INDEX</StockNm>
        <EOYBookValueAmt>3969</EOYBookValueAmt>
        <EOYFMVAmt>4687</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES BARCLAYS 0-5 YR TIPS</StockNm>
        <EOYBookValueAmt>8537</EOYBookValueAmt>
        <EOYFMVAmt>8703</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES BARCLAYS 10-20 YEAR TR</StockNm>
        <EOYBookValueAmt>6817</EOYBookValueAmt>
        <EOYFMVAmt>7117</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES BARCLAYS GNMA BOND FUN</StockNm>
        <EOYBookValueAmt>760</EOYBookValueAmt>
        <EOYFMVAmt>802</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES BARCLAYS MBS BOND FUND</StockNm>
        <EOYBookValueAmt>19007</EOYBookValueAmt>
        <EOYFMVAmt>20091</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES BARCLAYS TIPS BOND FUN</StockNm>
        <EOYBookValueAmt>5847</EOYBookValueAmt>
        <EOYFMVAmt>5935</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES BARCLAYS US AGGREGATE</StockNm>
        <EOYBookValueAmt>20994</EOYBookValueAmt>
        <EOYFMVAmt>21774</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES CORE MSCI EAFE ETF</StockNm>
        <EOYBookValueAmt>8343</EOYBookValueAmt>
        <EOYFMVAmt>10556</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES CORE TOTAL USD BOND MA</StockNm>
        <EOYBookValueAmt>1413</EOYBookValueAmt>
        <EOYFMVAmt>1443</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES CURRENCY HEDGED MSCI E</StockNm>
        <EOYBookValueAmt>2661</EOYBookValueAmt>
        <EOYFMVAmt>3681</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES CURRENCY HEDGED MSCI E</StockNm>
        <EOYBookValueAmt>16369</EOYBookValueAmt>
        <EOYFMVAmt>21049</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES DJ US TECH ETF</StockNm>
        <EOYBookValueAmt>5665</EOYBookValueAmt>
        <EOYFMVAmt>8786</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES EDGE MSCI MULTIFACTOR</StockNm>
        <EOYBookValueAmt>13366</EOYBookValueAmt>
        <EOYFMVAmt>17818</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES MSCI GRW IDX</StockNm>
        <EOYBookValueAmt>15828</EOYBookValueAmt>
        <EOYFMVAmt>18797</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES MSCI USA MIN VOLATILIT</StockNm>
        <EOYBookValueAmt>11778</EOYBookValueAmt>
        <EOYFMVAmt>13747</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES S&amp;P 100 ETF</StockNm>
        <EOYBookValueAmt>4097</EOYBookValueAmt>
        <EOYFMVAmt>5488</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>PIMCO TOTAL RETURN ETF</StockNm>
        <EOYBookValueAmt>11825</EOYBookValueAmt>
        <EOYFMVAmt>12100</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>SPDR S&amp;P 500 GROWTH</StockNm>
        <EOYBookValueAmt>35493</EOYBookValueAmt>
        <EOYFMVAmt>55483</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>SPDR S&amp;P 500 VALUE</StockNm>
        <EOYBookValueAmt>20756</EOYBookValueAmt>
        <EOYFMVAmt>24940</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>VANGUARD S&amp;P 500 ETF</StockNm>
        <EOYBookValueAmt>23627</EOYBookValueAmt>
        <EOYFMVAmt>41390</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>VANGUARD VALUE ETF</StockNm>
        <EOYBookValueAmt>4094</EOYBookValueAmt>
        <EOYFMVAmt>5348</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <OtherExpensesSchedule documentId="OtherExpensesSch">
      <OtherExpensesScheduleGrp>
        <Desc>Administrative Fees</Desc>
        <RevenueAndExpensesPerBooksAmt>7697</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>7697</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>State or Local Filing Fees</Desc>
        <RevenueAndExpensesPerBooksAmt>25</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>25</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncreasesSchedule documentId="OtherIncreasesSch">
      <OtherIncreasesDetail>
        <Desc>GRANT OF PUBLICLY TRADED SECURITIES</Desc>
        <Amt>3491</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
    <OtherProfessionalFeesSchedule documentId="OthProfFeesSch">
      <OtherProfessionalFeesDetail>
        <CategoryTxt>Investment Management Services</CategoryTxt>
        <Amt>1715</Amt>
        <NetInvestmentIncomeAmt>1715</NetInvestmentIncomeAmt>
      </OtherProfessionalFeesDetail>
    </OtherProfessionalFeesSchedule>
    <TaxesSchedule documentId="TaxesSchedule">
      <TaxesDetail>
        <CategoryTxt>990-PF Extension for 2024</CategoryTxt>
        <Amt>200</Amt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>