# EDGAR Filing Document

**Accession Number:** 0001123320
**File Stem:** 0001140361-25-027870
**Filing Date:** 2025-7
**Character Count:** 10502
**Document Hash:** ff80e1f8f60bf03fd5d0c38a87b507bd
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001140361-25-027870.hdr.sgml**: 20250730

**ACCESSION NUMBER**: 0001140361-25-027870

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250730

**DATE AS OF CHANGE**: 20250729

**EFFECTIVENESS DATE**: 20250730

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Family Capital Trust Co
- **CENTRAL INDEX KEY:** 0001123320

**ORGANIZATION NAME:**
- **EIN:** 043581018
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-06719
- **FILM NUMBER:** 251163255

**BUSINESS ADDRESS:**
- **STREET 1:** 3 CENTENNIAL DRIVE
- **CITY:** PEABODY
- **STATE:** MA
- **ZIP:** 01960
- **BUSINESS PHONE:** 7818963656

**MAIL ADDRESS:**
- **STREET 1:** 3 CENTENNIAL DRIVE
- **CITY:** PEABODY
- **STATE:** MA
- **ZIP:** 01960

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** FAMILY CAPITAL TRUST CO., NA
- **DATE OF NAME CHANGE:** 20050211

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** FAMILY CAPITAL FIDUCIARY LLC
- **DATE OF NAME CHANGE:** 20000905

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Family Capital Trust Co<br>**Address:** 3 CENTENNIAL DRIVE<br>PEABODY, MA 01960

**Form 13F File Number:** 028-06719

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Carolyn B. Bergen<br>**Title:** CCO<br>**Phone:** 978-278-9305

**Signature, Place, and Date of Signing:**

/s/ Carolyn B. Bergen  PEABODY, MA  07-29-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 62

**Form 13F Information Table Value Total:** $288652787

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ALPS ETF TR | ETF - FIXED INCOME | 00162Q346 |  | 14287 | 553 | SH |  | SOLE |  | 553 | 0 | 0 |
| A T  T INC | COMMON STOCK | 00206R102 |  | 225654 | 7800 | SH |  | SOLE |  | 7800 | 0 | 0 |
| ABBOTT LABORATORIES | COMMON STOCK | 002824100 |  | 7819590 | 57493 | SH |  | SOLE |  | 57493 | 0 | 0 |
| ABERDEEN PHYSICAL GOLD SHARES | ETF | 00326A104 |  | 575605 | 18250 | SH |  | SOLE |  | 18250 | 0 | 0 |
| ADOBE INC | COMMON STOCK | 00724F101 |  | 77841411 | 201203 | SH |  | SOLE |  | 201203 | 0 | 0 |
| ALPHABET INC CAP STK CL C | COMMON STOCK | 02079K107 |  | 1466128 | 8265 | SH |  | SOLE |  | 8265 | 0 | 0 |
| ALPHABET INC CAP STK CL A | COMMON STOCK | 02079K305 |  | 10838640 | 61503 | SH |  | SOLE |  | 61503 | 0 | 0 |
| AMAZON.COM INC | COMMON STOCK | 023135106 |  | 3504065 | 15972 | SH |  | SOLE |  | 15972 | 0 | 0 |
| AMERICAN CENTY ETR ADVANTIS US LARGE CAP | ETF | 025072349 |  | 4228 | 62 | SH |  | SOLE |  | 62 | 0 | 0 |
| AVANTIS INTERNATIONAL EQUITY ETF | ETF | 025072703 |  | 4292 | 58 | SH |  | SOLE |  | 58 | 0 | 0 |
| AMERICAN EXPRESS CO | COMMON STOCK | 025816109 |  | 11699786 | 36680 | SH |  | SOLE |  | 36680 | 0 | 0 |
| AMERICAN TOWER CORP NEW | COMMON STOCK REIT | 03027X100 |  | 5176255 | 23420 | SH |  | SOLE |  | 23420 | 0 | 0 |
| ETF ANGEL OAK FDS TR ULTRASHORT INCOME | ETF - FIXED INCOME | 03463K752 |  | 4084 | 80 | SH |  | SOLE |  | 80 | 0 | 0 |
| APPLE INCORPORATED | COMMON STOCK | 037833100 |  | 9581813 | 46702 | SH |  | SOLE |  | 46702 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COMMON STOCK | 053015103 |  | 385487 | 1250 | SH |  | SOLE |  | 1250 | 0 | 0 |
| CARRIER GLOBAL CORPORATION | COMMON STOCK | 14448C104 |  | 5042393 | 68895 | SH |  | SOLE |  | 68895 | 0 | 0 |
| XTRACKERS RUSSELL 1000 COMP FACTOR ETF | ETF | 233051481 |  | 416279 | 7406 | SH |  | SOLE |  | 7406 | 0 | 0 |
| DANAHER CORPORATION | COMMON STOCK | 235851102 |  | 4225544 | 21391 | SH |  | SOLE |  | 21391 | 0 | 0 |
| DIAGEO PLC SPON ADR NEW | FOREIGN EQUITIES | 25243Q205 |  | 90756 | 900 | SH |  | SOLE |  | 900 | 0 | 0 |
| DISNEY (WALT) COMPANY | COMMON STOCK | 254687106 |  | 6481967 | 52270 | SH |  | SOLE |  | 52270 | 0 | 0 |
| EBAY INC | COMMON STOCK | 278642103 |  | 2244667 | 30150 | SH |  | SOLE |  | 30150 | 0 | 0 |
| FORTIVE CORP | COMMON STOCK | 34959J108 |  | 748454 | 14358 | SH |  | SOLE |  | 14358 | 0 | 0 |
| FRANKLIN INTERNATIONAL AGGREGATE BOND ETF | ETF - FIXED INCOME | 35473P611 |  | 460034 | 22408 | SH |  | SOLE |  | 22408 | 0 | 0 |
| INTUITIVE SURGICAL INC | COMMON STOCK | 46120E602 |  | 2378461 | 4377 | SH |  | SOLE |  | 4377 | 0 | 0 |
| ETF INVESCO S 500 QUALITY | ETF - FIXED INCOME | 46137V241 |  | 28146 | 395 | SH |  | SOLE |  | 395 | 0 | 0 |
| INVESCO DWA SC MOMENTUM | COMMON STOCK | 46138E842 |  | 4693735 | 55312 | SH |  | SOLE |  | 55312 | 0 | 0 |
| ISHARES CORE S  P 500 ETF | ETF | 464287200 |  | 394877 | 636 | SH |  | SOLE |  | 636 | 0 | 0 |
| ISHARES CORE U.S.AGGREGATE BOND ETF | ETF - FIXED INCOME | 464287226 |  | 14116911 | 142308 | SH |  | SOLE |  | 142308 | 0 | 0 |
| ISHARES TRUST ETF | FOREIGN ETF | 464287465 |  | 742561 | 8307 | SH |  | SOLE |  | 8307 | 0 | 0 |
| ISHARES TR US TREAS BD ETF | ETF - FIXED INCOME | 46429B267 |  | 6869179 | 299052 | SH |  | SOLE |  | 299052 | 0 | 0 |
| ISHARES CORE HIGH DIVIDEND ETF | ETF | 46429B663 |  | 351510 | 3000 | SH |  | SOLE |  | 3000 | 0 | 0 |
| ISHARES MSCI EAFE MIN VOL FACTOR ETF | COMMON STOCK | 46429B689 |  | 298413 | 3550 | SH |  | SOLE |  | 3550 | 0 | 0 |
| ISHARES MSCI USA MIN VOL FACTOR ETF | COMMON STOCK | 46429B697 |  | 6747059 | 71877 | SH |  | SOLE |  | 71877 | 0 | 0 |
| ISHARES MSCI USA MOMENTUS FACTOR ETF | ETF | 46432F396 |  | 43015 | 179 | SH |  | SOLE |  | 179 | 0 | 0 |
| ISHARES TR CORE MSCI EAFE | COMMON STOCK | 46432F842 |  | 14869962 | 178148 | SH |  | SOLE |  | 178148 | 0 | 0 |
| ISHARES INC CORE MSCI EMKT | COMMON STOCK | 46434G103 |  | 55937 | 932 | SH |  | SOLE |  | 932 | 0 | 0 |
| ISHARES TRUST U S EQUITY FACTOR ETF | ETF | 46434V282 |  | 10336042 | 161174 | SH |  | SOLE |  | 161174 | 0 | 0 |
| ISHARES MSCI INTL MOMENTUM FACTOR ETF | COMMON STOCK | 46434V449 |  | 11824770 | 258862 | SH |  | SOLE |  | 258862 | 0 | 0 |
| ISHARES CORE TOTAL USD BOND MARKET ETF | ETF - FIXED INCOME | 46434V613 |  | 392962 | 8502 | SH |  | SOLE |  | 8502 | 0 | 0 |
| ISHARES TR CORE DIV GRWTH | COMMON STOCK | 46434V621 |  | 466689 | 7300 | SH |  | SOLE |  | 7300 | 0 | 0 |
| JPMORGAN CHASE  CO | COMMON STOCK | 46625H100 |  | 14464242 | 49894 | SH |  | SOLE |  | 49894 | 0 | 0 |
| ETF J P MORGAN ULTRA-SHORT | ETF | 46641Q837 |  | 896543 | 17691 | SH |  | SOLE |  | 17691 | 0 | 0 |
| JOHNSON  JOHNSON | COMMON STOCK | 478160104 |  | 6332684 | 41458 | SH |  | SOLE |  | 41458 | 0 | 0 |
| MCDONALDS CORP | COMMON STOCK | 580135101 |  | 452848 | 1550 | SH |  | SOLE |  | 1550 | 0 | 0 |
| MERCK  CO NEW | COMMON STOCK | 58933Y105 |  | 1601362 | 20232 | SH |  | SOLE |  | 20232 | 0 | 0 |
| MICROSOFT CORP | COMMON STOCK | 594918104 |  | 4594954 | 9238 | SH |  | SOLE |  | 9238 | 0 | 0 |
| MONDELEZ INTL INC CL A | COMMON STOCK | 609207105 |  | 7189624 | 106608 | SH |  | SOLE |  | 106608 | 0 | 0 |
| NU SKIN ENTERPRISES | COMMON STOCK | 67018T105 |  | 3995 | 500 | SH |  | SOLE |  | 500 | 0 | 0 |
| PEPSICO INC | COMMON STOCK | 713448108 |  | 4407329 | 33379 | SH |  | SOLE |  | 33379 | 0 | 0 |
| RTX CORPORATION | COMMON STOCK | 75513E101 |  | 5294214 | 36257 | SH |  | SOLE |  | 36257 | 0 | 0 |
| SPDR S  P DEPOSIT RCPTS | ETF | 78462F103 |  | 921808 | 1492 | SH |  | SOLE |  | 1492 | 0 | 0 |
| SPDR PORTFOLIO INTERM TERM CORP BD ETF | ETF - FIXED INCOME | 78464A375 |  | 12520 | 373 | SH |  | SOLE |  | 373 | 0 | 0 |
| SPDR S 400 MID CAP VALUE | COMMON STOCK | 78464A839 |  | 22317 | 281 | SH |  | SOLE |  | 281 | 0 | 0 |
| SSGA DOUBLELINE TOTAL RETURN BOND ETF | ETF - FIXED INCOME | 78467V848 |  | 3599623 | 89744 | SH |  | SOLE |  | 89744 | 0 | 0 |
| SCHWAB US LARGE CAP VALUE ETF | ETF | 808524409 |  | 35928 | 1299 | SH |  | SOLE |  | 1299 | 0 | 0 |
| SCHWAB FUNDAMENTAL INTL EQUITY ETF | ETF | 808524755 |  | 55186 | 1379 | SH |  | SOLE |  | 1379 | 0 | 0 |
| SPROTT PHYSICAL GOLD TR UNIT | COMMON STOCK | 85207H104 |  | 456120 | 18000 | SH |  | SOLE |  | 18000 | 0 | 0 |
| STARBUCKS CORP | COMMON STOCK | 855244109 |  | 4644781 | 50691 | SH |  | SOLE |  | 50691 | 0 | 0 |
| SYSCO CORP | COMMON STOCK | 871829107 |  | 162841 | 2150 | SH |  | SOLE |  | 2150 | 0 | 0 |
| VANGUARD FTSE EMERGING MARKETS ETF | ETF | 922042858 |  | 1780 | 36 | SH |  | SOLE |  | 36 | 0 | 0 |
| VICTORY SHARES US SMALL MID CAP ETF | ETF | 92647N568 |  | 1006 | 12 | SH |  | SOLE |  | 12 | 0 | 0 |
| VISA INC | COMMON STOCK | 92826C839 |  | 10039434 | 28277 | SH |  | SOLE |  | 28277 | 0 | 0 |

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