# EDGAR Filing Document

**Accession Number:** 0001038199
**File Stem:** 0001493152-26-008265
**Filing Date:** 2026-2
**Character Count:** 160890
**Document Hash:** 23c98d906b61c8cfe852ba583cfd997e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001493152-26-008265.hdr.sgml**: 20260227

**ACCESSION NUMBER**: 0001493152-26-008265

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260227

**DATE AS OF CHANGE**: 20260227

**EFFECTIVENESS DATE**: 20260227

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BULLFINCH FUND INC
- **CENTRAL INDEX KEY:** 0001038199

**ORGANIZATION NAME:**
- **EIN:** 161516377
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 0630

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-08191
- **FILM NUMBER:** 26693950

**BUSINESS ADDRESS:**
- **STREET 1:** 3909 RUSH MENDON ROAD
- **CITY:** MENDON
- **STATE:** NY
- **ZIP:** 14506
- **BUSINESS PHONE:** 5856243150

**MAIL ADDRESS:**
- **STREET 1:** 3909 RUSH MENDON ROAD
- **CITY:** MENDON
- **STATE:** NY
- **ZIP:** 14506

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BULLDOG FUND INC
- **DATE OF NAME CHANGE:** 19970423
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BULLFINCH FUND INC
- **CENTRAL INDEX KEY:** 0001038199

**ORGANIZATION NAME:**
- **EIN:** 161516377
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 0630

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-26321
- **FILM NUMBER:** 26693949

**BUSINESS ADDRESS:**
- **STREET 1:** 3909 RUSH MENDON ROAD
- **CITY:** MENDON
- **STATE:** NY
- **ZIP:** 14506
- **BUSINESS PHONE:** 5856243150

**MAIL ADDRESS:**
- **STREET 1:** 3909 RUSH MENDON ROAD
- **CITY:** MENDON
- **STATE:** NY
- **ZIP:** 14506

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BULLDOG FUND INC
- **DATE OF NAME CHANGE:** 19970423

## Series and Classes Contracts Data

### Unrestricted Series (Series ID: S000012121)

| Class ID   | Class Name          | Ticker Symbol   |
|:---|:---|:---|
| C000033060 | Unrestricted Series | BUNRX           |
| C000110249 | C000033060          |  |

### Greater Western New York Series (Series ID: S000012122)

| Class ID   | Class Name                      | Ticker Symbol   |
|:---|:---|:---|
| C000033061 | Greater Western New York Series | BWNYX           |
| C000110250 | C000033061                      |  |

```

                                  UNITED STATES
                       Securities and Exchange Commission
                             Washington, DC. 20549

                                  FORM N-1A

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933                        X

Post-Effective Amendment No. 40                                                X
and
THE INVESTMENT COMPANY ACT OF 1940                                             X
Amendment No. 40                                                               X

Bullfinch Fund, Inc.
(Exact Name of Registrant as Specified in Charter)
3909 Rush Mendon Road, Mendon, NY  14506
 (Address of Principal Executive Offices)

585-624-3150

(Registrant's Telephone Number)

Christopher Carosa
3909 Rush Mendon Road, Mendon, NY 14506
 (Name and Address of Agent for Service)

Approximate Date of Proposed Public Offering:  As soon as practicable after the
effective date of this registration.

-------------------------------------------------------------------------------

It is proposed that this filing will become effective (check appropriate box)
   [x] immediately upon filing pursuant to paragraph (b)
   [ ] on (date) pursuant to paragraph (b)
   [ ] 60 days after filing pursuant to paragraph (a)
   [ ] on (date) pursuant to paragraph (a) of rule 485

                                      -1-
<PAGE>

PROSPECTUS
BULLFINCH  FUND, INC.
3909 Rush Mendon Road
Mendon, NY 14506

1-888-BULLFINCH
(1-888-285-5346)

February 27, 2026

Unrestricted Series (Ticker: BUNRX)
Greater Western New York Series (Ticker: BWNYX)
1940 Act Number: 811-08191;      1933 Act Number: 333-26321

      TABLE OF CONTENTS                                       PAGE
Bullfinch Fund Description                               Front Cover
Unrestricted Series:
   Risk Return Summary: Investment Objectives/Goals             2
   Risk Return Summary: Fee Table                               2
   Principal Investment Strategies of the Series                2
   Principal Risks of Investing in the Series                   3
   Who should invest?                                           3
   Who should not invest?                                       3
   Bar Chart and Performance Table                              3
   Management                                                   4
   Purchasing and Redeeming Shares                              4
   Tax Information                                              4
Greater Western New York Series:
   Risk Return Summary: Investment Objectives/Goals             5
   Risk Return Summary: Fee Table                               5
   Principal Investment Strategies of the Series                5
   Principal Risks of Investing in the Series                   6
   Who should invest?                                           6
   Who should not invest?                                       6
   Bar Chart and Performance Table                              6
   Management                                                   7
   Purchasing and Redeeming Shares                              7
   Tax Information                                              7
Additional information about investment strategies
 and risk considerations                                        8
Investment adviser                                              8
Disclosure Regarding the Board of Directors' Approval of
 the Investment Advisory Contract                               8
Disclosure Regarding the Fund's Portfolio Manager               9
Pricing of shares                                              10
Purchase of shares and reinvestment                            10
Market Timing Restrictions                                     11
Initial Investments                                            11
Subsequent purchases                                           12
Reinvestment                                                   12
Fractional shares                                              12
Individual Retirement Accounts                                 12
Pension, Profit-Sharing, 401-k plans                           13
Redemption of shares                                           13
Redemption in kind                                             13
Tax status                                                     13
Financial highlights                                           14
Application                                                    15
Form W-9                                                       16
Annual and special meetings                                    17
Reports to shareholders                                        17
Transfer Agent                                                 17
Custodian                                                      17
IRA trustee                                                    17
Independent Auditors                                           17
Contact  and other Information                            Back Cover

                                      -2-
<PAGE>

                           BULLFINCH FUND, INC.
                  3909 RUSH MENDON ROAD, MENDON,  NY 14506
               1-888-BULLFINCH (1-888-285-5346) 585-624-3150

PROSPECTUS                                                  February 27, 2026

The Bullfinch Family of Mutual Funds
The Bullfinch Fund, Inc. (the "Fund") is an open-end non-diversified manage-
ment investment company organized under the Investment Company Act of 1940.
The Fund offers separate series - the Unrestricted Series
and the Greater Western New York Series - (individually and collectively known
as the "Series"). Each Series is a separate investment portfolio having its
own investment objective and policies.

Unrestricted Series
The Unrestricted Series seeks conservative (i.e., one which seeks to
reduce downside risk) long-term growth in capital.

Greater Western New York Series
The Greater Western New York Series seeks capital appreciation.

It is important to note that the Fund's shares are not guaranteed or insured by
the FDIC or any other agency of the U.S. government.  As with any investment in
common stocks, which are subject to wide fluctuations in market value, you
could lose money by investing in the Fund.

             These securities have not been approved or disapproved
             by the Securities and Exchange Commission, nor has the
               Commission passed upon the accuracy or adequacy of
              this prospectus.  Any representation to the contrary
                              is a criminal offense.

                                      -2-
<PAGE>
UNRESTRICTED SERIES

RISK/RETURN SUMMARY: INVESTMENT OBJECTIVES/GOALS
The Unrestricted Series seeks conservative (i.e., one which seeks to
reduce downside risk) long-term growth in capital.

RISK/RETURN SUMMARY: FEE TABLE
This table describes the fees and expenses that you may pay if you buy and hold
shares of the Series.

Shareholder Fees (fees paid directly from your investment)

 Maximum Sales Charge (Load) imposed on Purchases                   None
 Maximum Deferred Sales Charge (Load)                               None
 Maximum Sales Charge (Load) imposed on Reinvested Dividends        None
 Redemption Fee (as a percentage of amount redeemed, if applicable) None
 Exchange Fee                                                       None
 Maximum Account Fee                                                None

Annual Series' Operating Expenses (expenses that you pay each year as a
   percentage of the value of your investment)

Management Fees                                                     1.02%
 Distribution [and/or Service](12b-1) Fees                          None
 Other Expenses                                                     0.39
 Total Annual Series Operating Expenses                             1.41%

Example
This Example is intended to help you compare the cost of investing in
the Series with the cost of investing in other mutual funds.

The Example assumes that you invest $10,000 in the Series for the time periods
indicated and then redeem all of your shares at the end of those periods.  The
example also assumes that your investment has a 5% return each year and
that the Series' operating expenses remain the same.  Although your actual
costs may be higher or lower, based on these assumptions your costs would be:

        1 year          3 years         5 years         10 years
        $  148          $467           $  818          $1,862

Portfolio Turnover

The Series pays transaction costs, such as commissions, when it buys and sells
securities (or "turns over" its portfolio). A higher portfolio turnover rate
may indicate higher transaction costs and may result in higher taxes when
Series shares are held in a taxable account. These costs, which are not
reflected in annual Series operating expenses or in the example, affect the
Series's performance. During the most recent fiscal year, the

Series' portfolio turnover rate was 4.64% of the average value of its

Portfolio.

RISK/RETURN SUMMARY: INVESTMENTS, RISKS AND PERFORMANCE

Principal Investment Strategies of the Series

The Unrestricted Series uses a Value approach in its securities selection
process. The Adviser emphasizes fundamental corporate considerations related
to the prospects of the issuer and its industry. These considerations
include: Business, Management, Financial and Price. The Adviser tries to pick
conservative (i.e., those which appear to possess reduced downside risk)
common stocks (which include both exchange-listed and Over-the-Counter ("OTC")
securities), including both domestic and foreign issuers and with no limits
on the types of OTC investments it may hold.
Foreign issuers may include
those located in foreign markets. Foreign securities are ADRs.

Using a proprietary screening system based in part on the fundamental criteria
listed below the Adviser screens a varied universe of (approximately 9,000)
common stocks to identify investment candidates. These candidates are then
placed into one of three proprietary common stock sectors: Defensive, Classic
Value
and Opportunistic. These categories represent where candidate stocks fall based
on the fundamental criteria. Defensive candidates tend to have lower risk/lower
return prospects than Classic Value candidates. Classic Value candidates pass
financial considerations (in general, this means low-to-no debt relative to
working capital, a current ratio in excess of two, consistent long-term growth
and no negative earnings years.) Opportunistic candidates tend to have
higher risk/higher return prospects relative to Classic Value candidates.

Before a candidate is purchased, the Adviser
assigns at least four prices to it: a severe market low, a buy price, a two-
year sell price and a five-year sell price. In addition, the Adviser assigns
all candidates a unique risk/return characteristic using the Adviser's
proprietary risk/return analytical system.

In general, the three common stock sectors represent the common stock
risk return spectrum.
The Adviser seeks to invest in Opportunistic stocks that exhibit more favorable
risk/return characteristics than Classic Value stocks. Likewise, the Adviser
seeks to invest in Classic Value stocks that exhibit more favorable risk/return
characteristics than Defensive stocks. Finally, the Adviser seeks to invest in
Defensive stocks that exhibit more favorable risk/return characteristics than
U.S. Treasuries maturing in five years. In the rare case where no
available candidate stock exhibits a more favorable risk/return characteristic
compared to U.S. Treasuries maturing in five years, then the Series will invest
in U.S. Treasuries maturing within five years.

Assets in the Unrestricted Series may take a temporary defensive position by
investing in money market funds for temporary investment in attempting to
respond to adverse market, economic, political, or other conditions. The
Series may not achieve its investment objective while it is in this temporary
investment.

The term "Unrestricted" in "Unrestricted Series" does not refer to a specific
investment but instead refers to the Series' strategy with respect to four
investment sectors (the three common stock sector and
U.S. Treasuries maturing in five years) and not anything else.

We will sell the securities when other securities exhibit better risk/return
characteristics. The two-year sell price acts as an early warning indicator
the stock might be approaching a less favorable risk/return characteristic.
The five-year price will generally indicate the stock has exceeded its limit of
favorability regarding its risk/return characteristic. In this case the stock
will be sold.

It should be noted the Adviser attempts to employ proprietary techniques
derived from behavioral economics when determining the best time to both buy
and sell individual securities. Aspects influencing these techniques include
both macroeconomic and microeconomic factors pertaining both to the market as a
whole and the individual stock in particular.

The Series invests in the securities of companies with small, medium and large
capitalization. Small Cap is less than $1.5 billion in market cap; Mid cap is
between $1.5 billion and $5 billion; and Large cap is more than $5 billion.
These ranges are determined by the Adviser. The Adviser classifies and
compares potential investments using the following criteria:

     - Balance Sheet (emphasizing low debt and sufficient working capital)
     - Income Statement Data (emphasizing at least modest earnings growth)
     - The Company's Current Dividend Policy (emphasizing growth)
     - Stock Price (looking for historically low valuations)

The Adviser believes each Series
has the potential of achieving the highest return
by investing in
companies with strong financials whose stocks sell at historically low prices.

The Adviser uses the above criteria in order to, over long periods of time,
increase potential returns and reduce the risk of price declines of the
investments of the Series. The Adviser may purchase a particular company's
stock with up to 25% of Series' assets.

The Series' investment objective is not fundamental and may be
changed by the Board of Directors without shareholder approval; however, it is
the Board of Directors' policy to notify shareholders prior to any material
change in any Series' objective. There is no timing requirement for notifying
shareholders.

Principal Risks of Investing in the Series

Potential Loss of Money Risk: As with any investment in the common stocks, there
is always a risk some portion of the original investment will be lost and
there are no guarantees the investor will be able to realize gains and may,
in fact, realize losses.

U.S. Treasury Risk: Although U.S. Treasuries are backed by the U.S.
government, those government policies may change both in terms of the
payment of interest and in the payment of principal. Furthermore, while
holding a treasury until maturity can guarantee principal, selling a
treasury prior to maturity or buying a treasury subsequent to issue date
may put principal at risk.

Non-Diversification Risk. The Series is non-diversified.  Because the Series
invests a higher percentage of assets in fewer holdings than the average
stock fund does, the Series is subject to the risk of a price decline or
loss due to a change in value of one, or a few of its portfolio holdings.

Common Stock Risk. The rights of common stock holders are subordinate
to preferred stocks and bonds.

Multi-Cap Companies Risk.
An additional risk will be from the Series'
investments in small and medium capitalization (cap) stocks.  Generally,
these stocks have higher risks of business failure, lesser liquidity and
greater volatility in market price.  Due to these factors, small and medium
cap stocks have a greater possibility of price decline or loss as compared
to large cap stocks.  Since the Series may hold small, medium and large cap
stocks it is riskier than a fund which holds only large cap stocks.

OTC Risk: Securities traded on OTC markets are not listed and traded on an
organized exchange such as the New York Stock Exchange ("NYSE"). Generally,
the volume of trading in an unlisted or OTC common stock is less than the
volume of trading in an exchange-listed stock. As a result, the market
liquidity of some stocks in which the Series invest may not be as great as
that of exchange-listed stocks and, if the Series were to dispose of such
stocks, the Series may have to offer the shares at a discount from recent
prices, or sell the shares in small lots over an extended period of time.
In addition, penny stocks and pink sheet stocks can be classified as OTC
stocks. The Fund may hold these stocks, which have considerable risks.
First, it may be difficult to obtain financial data on such stocks. This
makes fundamental analysis very difficult. Second, these classes of stocks
are notoriously difficult to sell, meaning there will be some liquidity
risk associated with holding them.
OTC Investments are generally limited to equities with sufficient liquidity.

ADR Risk: ADRs are alternatives to directly purchasing the underlying
foreign securities in their national markets and currencies. However, ADRs
are subject to many of the risks associated with investing directly in
foreign securities, which are further described below.

Foreign Security Risk: Foreign issuers may include those located in foreign
markets. Foreign securities are ADRs. We reserve the freedom to use them
although there may be times when we do not hold them. Investing in issuers
located in foreign countries poses distinct risks since political and
economic events unique to a country or region will affect those markets
and their issuers. These events will not necessarily affect the U.S. economy
or similar issuers located in the United States. In addition, investments
in foreign countries are generally denominated in a foreign currency. As a
result, changes in the value of those currencies compared to the U.S. dollar
may affect (positively or negatively) the value of the Funds' investments.
These currency movements may happen separately from and in response to events
that do not otherwise affect the value of the security in the issuer's home
country. These various risks will be even greater for investments in emerging
market countries since political turmoil and rapid changes in economic
conditions are more likely to occur in these countries.

Large Shareholder Concentration Risk: From time to time, certain shareholders
may accumulate a proportionally higher percentage of shares compared to
other shareholders. These "large" shareholders may present a risk should
they consider redeemed their entire holdings at once if the underlying
holdings of the fund are concurrently experiencing a liquidity risk as
outlined above under "OTC Risk."

Management Risk: The Adviser's judgments about the attractiveness, relative
value, or potential appreciation of a particular stock may prove to be
incorrect as there is a risk company management may not execute its
strategy as expected by the Adviser.

WHO SHOULD INVEST?  Investors who are seeking potential long-term appreciation
and are willing to own stocks, in a portfolio, selected and managed by the
Series' investment adviser.  Long-term, as determined by management and the
investment adviser, is at least five years.

WHO SHOULD NOT INVEST?  Investors not willing to accept the risks of owning
stocks in a managed portfolio.  The Series are not for investors seeking to
trade the stock market for short-term fluctuations.

BAR CHART AND PERFORMANCE TABLE
(for the periods ending December 31)
The bar chart and table shown below provide an indication of the risks of
investing in the Unrestricted Series by
showing changes in the Series' performance from year to year over a 10-year
period and by showing how the Series' average annual returns for one and three
years compare to those of a broad-based securities market index.  How the
Series has performed in the past (before and after taxes) is not necessarily an
indication of how the Series will perform in the future.

 30%
 29%
 28%
 27%
 26%
 25%
 24%                 23.12%              23.32
 23%                   XX                  XX
 22%                   XX                  XX      21.66%
 21%                   XX                  XX        XX
 20%                   XX      19.19%      XX        XX
 19%                   XX        XX        XX        XX
 18%                   XX        XX        XX        XX
 17%                   XX        XX        XX        XX
 16%                   XX        XX        XX        XX
 15%                   XX        XX        XX        XX
 14%                   XX        XX        XX        XX
 13%                   XX        XX        XX        XX
 12%  10.80%           XX        XX        XX        XX
 11%    XX             XX        XX        XX        XX
 10%    XX  9.22%      XX        XX        XX        XX
  9%    XX   XX        XX        XX        XX        XX
  8%    XX   XX        XX        XX        XX        XX
  7%    XX   XX        XX        XX        XX        XX
  6%    XX   XX        XX        XX        XX        XX
  5%    XX   XX        XX  4.13% XX        XX        XX
  4%    XX   XX   XX   XX   XX   XX        XX  3.39% XX
  3%    XX   XX   XX   XX   XX   XX        XX   XX   XX
  2%    XX   XX   XX   XX   XX   XX        XX   XX   XX
  1%    XX   XX   XX        XX   XX        XX   XX   XX
  0%---------------------------------------------------------------------------
 -1%              XX                  XX
 -2%              XX                  XX
 -3%              XX                  XX
 -4%              XX                  XX
 -5%              XX                  XX
 -6%              XX                  XX
 -7%              XX                  XX
 -8%            -6.83%                XX
 -9%                                  XX
-10%                                  XX
-11%                                  XX
-12%                                  XX
                                   -12.35%
        16   17   18   19   20   21   22   23   24   25
      Unrestricted Series

For the Unrestricted Series since inception, in the last 10 years the
highest return for a quarter was 14.37% while the worst return for a quarter
was -18.37%. These returns occurred in quarters ending June 30, 2020 and
March 31, 2020, respectively.

               Average Annual Total Returns
              (for the periods ending December 31, 2025)

After-tax returns are calculated using the historically highest individual
Federal marginal income tax rates and do not reflect the impact of state and
local taxes. Actual after-tax returns depend on an investor's tax situation
and may differ from those shown, and after-tax returns shown are not relevant
to investors who hold their Fund shares through tax-deferred arrangements,
such as 401(k) plans or individual retirement accounts.

                                 One     Five     Ten   Since Inception
                                 Year    Years    Years     (7/25/97)
Return Before Taxes              21.66%  10.16%    8.90%      6.78%
Return After Taxes on
   Distributions                 17.96%  10.38%    8.57%      6.60%
Return After Taxes on Distributions
   and Sale of Series Shares     17.07%   9.79%    8.00%      5.93%

Value Line Geometric Index*       2.84%   2.27%    2.93%      1.28%

* The Value LINE Geometric Index (VLG) is an unmanaged broad-based securities
market index of between 1,600 and 1,700 stocks.  Value Line states "The
VLG was intended to provide a rough approximation of how
the median stock in the Value Line Universe performed. The
VLG also has appeal to institutional investors as a proxy
for the so-called 'multi-cap' market because it includes
large cap, mid cap and small cap stocks alike."
 (reflects no deductions for fees, expenses or taxes)

MANAGEMENT
Investment Adviser
Carosa Stanton Asset Management, LLC is the Investment Adviser to the Series
and has continued this service since July 24, 1997.

Portfolio Manager
Mr. Christopher Carosa
is the president of the Investment Adviser as well as serving as the president
and portfolio manager of the Series.  Mr Carosa has managed the Bullfinch
Series' portfolio since July 24, 1997.

PURCHASING AND REDEEMING SHARES
You may purchase or redeem shares of the Series on any business day by either
Hand delivery or mail to:
Bullfinch Fund, Inc
3909 Rush Mendon Road
Mendon, NY  14506
Tel: 888-BULLFINCH (1-888-285-5346)

Purchase Minimums
To open an account      $2,500 ($500 for IRAs)
Additional purchases    $   250 ($50 for IRAs)

TAX INFORMATION
The Series generally pays out its distributions (dividends and capital gains)
annually in December and such distributions may be taxable.

Tax advantaged accounts may not be required to pay taxes on these
Distributions at the time the distribution occurs, however, these accounts
could be subject to taxes upon withdrawal.

GREATER WESTERN NEW YORK SERIES

RISK/RETURN SUMMARY: INVESTMENT OBJECTIVES/GOALS
The Greater Western New York Series seeks capital.

RISK/RETURN SUMMARY: FEE TABLE

This table describes the fees and expenses that you may pay if you buy and hold
shares of the Series.

Shareholder Fees (fees paid directly from your investment)

 Maximum Sales Charge (Load) imposed on Purchases                   None
 Maximum Deferred Sales Charge (Load)                               None
 Maximum Sales Charge (Load) imposed on Reinvested Dividends        None
 Redemption Fee (as a percentage of amount redeemed, if applicable) None
 Exchange Fee                                                       None
 Maximum Account Fee                                                None

Annual Series' Operating Expenses (expenses that you pay each year as a
   percentage of the value of your investment)

Management Fees                                                     1.08%
 Distribution [and/or Service](12b-1) Fees                          None
 Other Expenses                                                     0.32%
 Total Annual Series Operating Expenses                             1.40%

Example
This Example is intended to help you compare the cost of investing in
the Series with the cost of investing in other mutual funds.

The Example assumes that you invest $10,000 in the Series for the time periods
indicated and then redeem all of your shares at the end of those periods.  The
example also assumes that your investment has a 5% return each year and
that the Series' operating expenses remain the same.  Although your actual
costs may be higher or lower, based on these assumptions your costs would be:

        1 year          3 years         5 years         10 years
        $  147          $  463          $  812          $1,848

Portfolio Turnover

The Series pays transaction costs, such as commissions, when it buys and sells
securities (or "turns over" its portfolio). A higher portfolio turnover rate
may indicate higher transaction costs and may result in higher taxes when
Series shares are held in a taxable account. These costs, which are not
reflected in annual Series operating expenses or in the example, affect the
Series' performance. During the most recent fiscal year, the Greater Western

New York Series portfolio turnover rate was 16.10% of the average value of its

portfolio.

RISK/RETURN SUMMARY: INVESTMENTS, RISKS AND PERFORMANCE

Principal Investment Strategies of the Series

The Greater Western New York Series uses a Value approach in its securities
selection
process. The Adviser emphasizes fundamental corporate considerations related
to the prospects of the issuer and its industry. These considerations
include: Business, Management, Financial and Price. The Adviser tries to pick
conservative (i.e., those which appear to possess reduced downside risk)
common stocks (which include both exchange-listed and Over-the-Counter ("OTC")
securities). Under normal
conditions,
the Adviser invests at least 80% of the Fund's net assets plus amounts
borrowed for investment purposes (if any) in
securities of companies with an important economic presence in the
Greater Western New York Region of New York. In addition to the common stock
selection criteria described above, the Adviser may also consider industry
diversification, liquidity, and market capitalization. To be eligible for
inclusion in the Greater Western New York Series' portfolio, a stock currently
must meet the following criteria:

     -  The stock must be issued either by a company that employs at least
           fifty persons in the Greater Western New York Region; or
     -  The stock must be issued by a Company that has a capital investment
           (including annual payroll) in the Greater Western New York Region of
           greater than $1,000,000; or,
     -  The stock must be of a Company that maintains its corporate
           headquarters in the Greater Western New York Region.

The Greater Western New York Region includes the following New York State
Counties:
  - Allegany    - Cattaraugus      - Chautauqua    - Chemung     - Erie
  - Genesee     - Livingston       - Monroe        - Niagara     - Ontario
  - Orleans     - Schuyler         - Seneca        - Steuben     - Wayne
  - Wyoming     - Yates

The above 80% investment policy is not fundamental but is a policy adopted
by the Board of Directors. This policy cannot be changed by the
Board of Directors without notifying shareholders in writing 60 days prior
to any material change in the Series' objective.

Before a candidate is purchased, the Adviser
assigns at least four prices to it: a severe market low, a buy price, a two-
year sell price and a five-year sell price. In addition, the Adviser assigns
all candidates a unique risk/return characteristic using the Adviser's
proprietary risk/return analytical system.

Assets in the Greater Western New York Series may take a temporary
defensive position by
investing in money market funds for temporary investment in attempting to
respond to adverse market, economic, political, or other conditions. The
Series may not achieve its investment objective while it is in this temporary
investment.

We will sell the securities when other securities exhibit better risk/return
characteristics. The two-year sell price acts as an early warning indicator
the stock might be approaching a less favorable risk/return characteristic.
The five-year price will generally indicate the stock has exceeded its limit of
favorability regarding its risk/return characteristic. In this case the stock
will be sold.

It should be noted the Adviser attempts to employ proprietary techniques
derived from behavioral economics when determining the best time to both buy
and sell individual securities. Aspects influencing these techniques include
both macroeconomic and microeconomic factors pertaining both to the market as a
whole and the individual stock in particular.

The Series invests in the securities of companies with small, medium and large
capitalization. Small Cap is less than $1.5 billion in market cap; Mid cap is
between $1.5 billion and $5 billion; and Large cap is more than $5 billion.
These ranges are determined by the Adviser. The Adviser classifies and
compares potential investments using the following criteria:

     - Balance Sheet (emphasizing low debt and sufficient working capital)
     - Income Statement Data (emphasizing at least modest earnings growth)
     - The Company's Current Dividend Policy (emphasizing growth)
     - Stock Price (looking for historically low valuations)

The Adviser believes each Series
has the potential of achieving the highest return
by investing in
companies with strong financials whose stocks sell at historically low prices.

The Adviser uses the above criteria in order to, over long periods of time,
increase potential returns and reduce the risk of price declines of the
investments of the Series. The Adviser may purchase a particular company's
stock with up to 25% of each Series' assets.

Principal Risks of Investing in the Series

Potential Loss of Money Risk: As with any investment in the common stocks, there
is always a risk some portion of the original investment will be lost and
there are no guarantees the investor will be able to realize gains and may,
in fact, realize losses.

U.S. Treasury Risk: Although U.S. Treasuries are backed by the U.S.
government, those government policies may change both in terms of the
payment of interest and in the payment of principal. Furthermore, while
holding a treasury until maturity can guarantee principal, selling a
treasury prior to maturity or buying a treasury subsequent to issue date
may put principal at risk.

Non-Diversification Risk. The Series is non-diversified.  Because the Series
invests a higher percentage of assets in fewer holdings than the average
stock fund does, the Series is subject to the risk of a price decline or
loss due to a change in value of one, or a few of its portfolio holdings.

Common Stock Risk. The rights of common stock holders are subordinate
to preferred stocks and bonds.

Multi-Cap Companies Risk.
An additional risk will be from the Series'
investments in small and medium capitalization (cap) stocks.  Generally,
these stocks have higher risks of business failure, lesser liquidity and
greater volatility in market price.  Due to these factors, small and medium
cap stocks have a greater possibility of price decline or loss as compared
to large cap stocks.  Since the Series may hold small, medium and large cap
stocks it is riskier than a fund which holds only large cap stocks.

OTC Risk: Securities traded on OTC markets are not listed and traded on an
organized exchange such as the New York Stock Exchange ("NYSE"). Generally,
the volume of trading in an unlisted or OTC common stock is less than the
volume of trading in an exchange-listed stock. As a result, the market
liquidity of some stocks in which the Series invest may not be as great as
that of exchange-listed stocks and, if the Series were to dispose of such
stocks, the Series may have to offer the shares at a discount from recent
prices, or sell the shares in small lots over an extended period of time.
In addition, penny stocks and pink sheet stocks can be classified as OTC
stocks. The Fund may hold these stocks, which have considerable risks.
First, it may be difficult to obtain financial data on such stocks. This
makes fundamental analysis very difficult. Second, these classes of stocks
are notoriously difficult to sell, meaning there will be some liquidity
risk associated with holding them.
OTC Investments are generally limited to equities with sufficient liquidity.

Special Risks of Investing in Micro-Cap Stocks. Micro cap companies
typically have relatively lower revenues, limited product lines, lack of
management depth, higher risk of insolvency and a smaller share of the
market for their products or services than larger capitalization companies.
Generally, the share prices of micro-cap company stocks are more volatile
than those of larger companies. Thus, the Series' share price may increase
or decrease by a greater percentage than the share prices of funds that
invest in the stocks of large companies. Also, the returns of micro-cap
company stocks may vary, sometimes significantly, from the returns of the
overall market. Micro cap companies tend to perform poorly during times of
economic stress. Finally, relative to large company stocks, the stocks of
micro cap companies are thinly traded, and purchases and sales may result
in higher transactions costs.

Special Risks of Focusing in a Single Geographic Region. Because the
Greater Western New York Series invests primarily in securities of issuers with
an important economic presence in the Greater Western New York Region in New
York State, the value of that Series' portfolio also will be affected by the
special economic and other factors that might affect issuers located in or
having a significant presence in the region. The volatility associated with
investments in stocks is likely to be greater where, as here, the Series'
investments are primarily from a distinct region of a single state. A change
in the economic or regulatory environment of the region or the state will have
a greater impact on the Series than on a portfolio whose investments reflect a
wider geographic distribution (for example, the Unrestricted Series). Moreover,
it should be noted that numerous economic and political factors can have a
detrimental effect on businesses within a state. Among those factors that have
contributed to a challenging climate for businesses in New York are high taxes,
high energy costs and the high costs of workers' compensation insurance.

Large Shareholder Concentration Risk: From time to time, certain shareholders
may accumulate a proportionally higher percentage of shares compared to
other shareholders. These "large" shareholders may present a risk should
they consider redeemed their entire holdings at once if the underlying
holdings of the fund are concurrently experiencing a liquidity risk as
outlined above under "OTC Risk."

Management Risk: The Adviser's judgments about the attractiveness, relative
value, or potential appreciation of a particular stock may prove to be
incorrect as there is a risk company management may not execute its
strategy as expected by the Adviser.

WHO SHOULD INVEST?  Investors who are seeking potential long-term appreciation
and are willing to own stocks, in a portfolio, selected and managed by the
Series' investment adviser.  Long-term, as determined by management and the
investment adviser, is at least five years.

WHO SHOULD NOT INVEST?  Investors not willing to accept the risks of owning
stocks in a managed portfolio.  The Series are not for investors seeking to
trade the stock market for short-term fluctuations.

BAR CHART AND PERFORMANCE TABLE
(for the periods ending December 31)
The bar chart and table shown below provide an indication of the risks of
investing in the Greater Western New York Series by
showing changes in each Series' performance from year to year over a 10-year
period and by showing how each Series' average annual returns for one and three
years compare to those of a broad-based securities market index.  How each
Series has performed in the past (before and after taxes) is not necessarily an
indication of how each Series will perform in the future.

                                                 23.96%
 23%                                               XX
 22%                                               XX
 21%                                               XX
 20%               19.44%                          XX
 19%                 XX                            XX
 18%                 XX                            XX
 17%                 XX                            XX
 16%                 XX                            XX
 15%                 XX                            XX
 14%                 XX      12.97%                XX
 13%                 XX        XX                  XX
 12%                 XX        XX                  XX
 11%                 XX        XX                  XX
 10%                 XX        XX                  XX
  9%                 XX        XX       8.78%8.66% XX
  8%                 XX        XX        XX   XX   XX
  7% 6.47%           XX        XX        XX   XX   XX
  6%  XX  5.06%      XX        XX        XX   XX   XX
  5%  XX   XX        XX        XX        XX   XX   XX
  4%  XX   XX        XX        XX        XX   XX   XX
  3%  XX   XX        XX        XX        XX   XX   XX
  2%  XX   XX        XX  1.48% XX        XX   XX   XX
  1%  XX   XX        XX   XX   XX        XX   XX   XX
  0%---------------------------------------------------------------------------
 -1%            XX                  XX
 -2%            XX                  XX
 -3%            XX                  XX
 -4%            XX                  XX
 -5%            XX                  XX
 -6%            XX                  XX
 -7%            XX                  XX
 -8%            XX                -6.99%
 -9%          -8.56%

      16   17   18    19  20   21   22   23    24   25
          Greater Western New York Series

For the Greater Western New York Series over the last ten years
the highest return for a quarter was 16.00% while the worst return
for a quarter was -14.17%. These returns occurred in quarters ending
December 31, 2020 and March 31, 2020, respectively.

               Average Annual Total Returns
               (For the periods ending December 31, 2025)

After-tax returns are calculated using the historically highest individual
Federal marginal income tax rates and do not reflect the impact of state and
local taxes. Actual after-tax returns depend on an investor's tax situation
and may differ from those shown, and after-tax returns shown are not relevant
to investors who hold their Fund shares through tax-deferred arrangements,
such as 401(k) plans or individual retirement accounts.

                                 One     Five     Ten        Since Inception
                                 Year    Years    Years        (12/30/97)
Return Before Taxes             23.96%    9.35%    6.84%          5.84%

Return After Taxes on
   Distributions                 7.82%    6.12%    4.88%          5.00%

Return After Taxes on Distributions
   and Sale of Series Shares     7.32%    2.02%    4.50%          4.40%

Value Line Geometric Index*      2.84%    2.27%    2.93%          1.18%

* The Value LINE Geometric Index (VLG) is an unmanaged broad-based securities
market index of between 1,600 and 1,700 stocks.  Value Line states "The
VLG was intended to provide a rough approximation of how
the median stock in the Value Line Universe performed. The
VLG also has appeal to institutional investors as a proxy
for the so-called 'multi-cap' market because it includes
large cap, mid cap and small cap stocks alike."

 (reflects no deductions for fees, expenses or taxes)

MANAGEMENT
Investment Adviser
Carosa Stanton Asset Management, LLC is the Investment Adviser to the Series
and has continued this service since July 24, 1997.

Portfolio Manager
Mr. Christopher Carosa
is the president of the Investment Adviser as well as serving as the president
and portfolio manager of the Series.  Mr Carosa has managed the Bullfinch
Series' portfolio since July 24, 1997.

PURCHASING AND REDEEMING SHARES
You may purchase or redeem shares of the Series on any business day by either
Hand delivery or mail to:
Bullfinch Fund, Inc
3909 Rush Mendon Road
Mendon, NY  14506
Tel: 888-BULLFINCH (1-888-285-5346)

Purchase Minimums
To open an account      $2,500 ($500 for IRAs)
Additional purchases    $   250 ($50 for IRAs)

TAX INFORMATION
The Series generally pays out its distributions (dividends and capital gains)
annually in December and such distributions may be taxable.

ADDITIONAL INFORMATION ABOUT PRINCIPAL
 INVESTMENT STRATEGIES
RELATED RISKS AND DISCLOSURE OF PORTFOLIO HOLDINGS

The Bullfinch Fund is an open-ended, non-diversified investment company.
Except as otherwise noted in the specific case of the Greater Western New York
Series, the Fund's investment objectives are non-fundamental and can be
changed without shareholder approval.

There is no guarantee that the adviser's valuations are accurate.  Even when a
stock is purchased below its perceived fair value, there may be unforeseen
changes in the business which may lead to a decline in value for the stock.

INVESTMENT ADVISER

The overall business and affairs of the Fund is managed by the Fund's Board of
Directors. The Board approves all significant agreements between the Fund and
persons or companies furnishing services to the Fund, including the Fund's
agreements with its Investment Adviser and Custodian. The day-to-day operations
of the Fund are delegated to the Fund's officers and to Carosa Stanton
Asset Management, LLC (the "Adviser"),
3909 Rush Mendon Road,
Mendon, New York 14506. Christopher Carosa, President of the Fund and President
of the Fund's Investment Adviser, will be primarily responsible for the day-to-
day management of the Series' portfolios.

The Board meets regularly four times a year to review Fund performance and
operations.

The Board may convene a special meeting under certain circumstances.

Carosa Stanton Asset Management, LLC is a New York Limited Liability
Company that acts as an Investment Adviser to the Fund. Carosa Stanton
Asset Management, LLC, began accepting private portfolio management
clients in February of 1997 and currently manages

twenty-seven portfolios and approximately fifty-seven million dollars under
management as of February 27, 2026.

Mr. Carosa serves as Chief Compliance Officer of the Fund.

Mr. Carosa has direct responsibility for day to day management of the Series'
portfolios.

The SAI provides additional information about the Portfolio
Manager's compensation, other accounts managed by the Portfolio Manager,
and the Portfolio Manager's ownership of securities in the Fund.

On September 24, 1997 the Board of
Directors of the Fund reviewed an Investment Management Agreement with Carosa
Stanton Asset Management, LLC, which was unanimously approved by the
Board of Directors. This Agreement will continue on a year to year basis, as
amended, provided that approval is voted at least annually by specific approval
of the Board of Directors of the Fund or by vote of the holders of a majority
of the outstanding voting securities of the Series, but, in either event, it
must also be approved by a majority of the directors of the Fund who are
neither parties to the agreement nor interested persons as defined in the
Investment Company Act of 1940 at a meeting called for the purpose of voting
on such approval. Under the Agreement, Carosa Stanton Asset Manage-
ment, LLC will furnish investment advice to the Fund on the basis of a
continuous review of the portfolio and recommend when and to what extent
securities should be purchased or disposed. The Agreement may be terminated at
any time, without the payment of any penalty, by the Board of Directors or by
vote of a majority of the outstanding voting securities of the Series on at
least 60 days' written notice to Carosa Stanton Asset Management,
LLC. In the event of its assignment, the Agreement will terminate automatically.
Ultimate decisions as to the investment objective and policies are made by the
Fund's directors. For these services the Fund has agreed to pay to the Adviser
a fee of 1.25% per year on the first million dollars of net assets of each Ser-
ies and 1.0% per year on the remaining portion of net assets of each Series.

All fees are computed on the average daily closing net asset value of each Ser-
ies and are payable monthly in arrears. The Adviser will forgo sufficient fees
to hold the total expenses of each Series to less than 2.0% of the first $10
million in assets and 1.5% of the next $20 million.

For the fiscal year ending October 31, 2025, both series' expense ratios
remained relatively flat.

below the cap and the Adviser therefore did not reimburse either.

Pursuant to its contract with the Fund, the Investment Adviser is required to
render research, statistical, and Advisory services to the Fund; to make specif-
ic recommendations based on each Series' investment requirements; and to pay the
salaries of those of the Fund's employees who may be officers or directors or
employees of the Investment Adviser. The Fund is responsible for the operat-
ing expenses of each Series, including:
       - interest and taxes;
       - brokerage commissions;
       - insurance premiums
       - compensation and expenses of its Directors other than those affiliated
            with the Adviser;
       - legal and audit expenses;
       - fees and expenses of each Series' Custodian, and Accounting Services
            Agent, if obtained for any Series from an entity other than the
            Adviser;
       - expenses incidental to the issuance of its shares, including  issuance
            on the payment of, or reinvestment of, dividends and capital gain
            distributions;

       - fees and expenses incidental to the registration under federal or
            state securities laws of the Fund and each Series or its shares;
       - expenses of preparing, printing and mailing reports and notices and
            proxy material to shareholders of any Series;

       - all other expenses incidental to holding meetings of the shareholders;
       - dues or assessments of or contributions  to the Investment Company
            Institute or any successor; and
       - such non-recurring expenses as may arise, including litigation
            affecting the Fund and the legal obligations with respect to which
            the Fund may have to indemnify its Officers and Directors.

The Investment Management Agreement states that in connection with its duties
to arrange for the purchase and the sale of securities held in the portfolio of
each Series by placing purchase and sale orders for each Series, the Adviser
shall select such broker-dealers ("brokers") as shall, in the Adviser's
judgment, implement the policy of each Series to achieve "best execution",
i.e., prompt and efficient execution at the most favorable securities price. In
making such selection, the Adviser is authorized in the Agreement to consider
the reliability, integrity and financial condition of the broker, the size and
difficulty in executing the order and the value of the expected contribution of
the broker to the investment performance of each Series on a continuing basis.
The Adviser is also authorized to consider whether a broker provides brokerage
and/or research services to each Series and/or other accounts of the Adviser.
Information or services may include economic studies, industry studies, stat-
istical analyses, corporate reports, or other forms of assistance to each
Series or its Adviser. No effort will be made to determine the value of these
services or the amount they may reduce expenses of the Adviser or each Series.
The Board of Directors will evaluate and review the reasonableness of
brokerage commissions paid on a monthly basis initially and after the first
year of operation at least semiannually.

DISCLOSURE REGARDING THE BOARD OF DIRECTORS' APPROVAL OF THE INVESTMENT
ADVISORY CONTRACT
A discussion regarding the basis for the Board of Directors approving the
renewal of the investment advisory contract is available in the Fund's

annual report to shareholders covering the period ending October 31, 2025.

DISCLOSURE REGARDING THE FUND'S PORTFOLIO MANAGER
Mr. Carosa, President of the Fund and President of the Adviser, is the sole
Portfolio Manager of each Series. He has held these positions since the
inception of each Series (1997). The SAI provides additional information about
the Portfolio Manager's compensation, other accounts managed by the Portfolio
Manager and the Portfolio Manager's ownership of securities in the Fund.

PRICING OF SHARES
The net asset value of the Series' shares is determined as of the close of busi-
ness of the New York Stock Exchange (the "Exchange") typically 4:00pm Eastern
Time or earlier for days the Exchange closes early for holidays on each
business day of which that Exchange is open. The Exchange annually announces
the days on which it will not be open for trading; the most recent announcement
indicates that it will not be open on: New Year's Day, Martin Luther King's
Birthday, Presidents' Day, Good Friday, Memorial Day, Independence Day, Labor
Day, Thanksgiving Day and Christmas Day. The price is determined by dividing
the value of its securities, plus any cash and other assets less all
liabilities, excluding capital surplus, by the number of shares outstanding.
The Adviser is responsible for pricing and calculating the daily net asset
value.

Securities traded on national securities exchanges or the NASDAQ National Market
System are valued at the closing prices of the securities on these exchanges and
securities traded on over-the-counter markets are valued daily at the closing
bid prices.

Short term paper (debt obligations that mature in less than 60 days) is valued
at amortized cost which approximates market value. Other assets are valued at
fair value as determined in good faith by the Board of Directors.

In cases where market prices are unreliable or not readily available, for
example, when trading on securities are halted as permitted by the SEC or
when there is no trading volume on an Over-the-Counter security held by the
Fund, the Fund relies on fair value pricing provided by the Adviser.
In performing its fair value pricing, the Adviser acts under the ultimate
supervision of, and follows, the policies of the Board of Directors. The Board
of Directors retains the right to determine its own fair value price should it
have reason to believe the price provided by the Adviser does not reflect fair
value. Valuing securities at fair value involves greater reliance on judgment
than securities that have readily available market quotations. There can be no
assurance the Fund could obtain the fair value assigned to a security if they
were to sell the security at approximately the time at which the Fund
determines their net asset value per share.

PURCHASE OF SHARES AND REINVESTMENTS
The purchase price of the shares offered by the Fund for any Series is at the
net asset value per share next determined after receipt of the purchase order
by the Fund in good order and is computed in the manner described under the
caption "PRICING OF SHARES" in this Prospectus. The Series reserves the right
at its sole discretion to terminate the offering of its shares made by this
Prospectus at any time and to reject purchase applications when, in the
judgment of management such termination or rejection is in the best interests
of the Fund. Such notification will be within 72 hours.

A purchase order is received in good order when the Fund receives payment and,
in the case of new shareholders, a completed Shareholder Application, or, in
the case of existing shareholders, a correspondence indicating a desire to
purchase.

Payment may be made by wire. Payment is considered received as of the day
the check is received by the Fund if the Fund receives the check before the
close of regular trading on the New York Stock Exchange as defined above.

If payment is made by wire, payment is considered received the day payment is
received by the Series' custodian. All orders received prior to 4pm will
receive that days NAV. All orders received after 4pm will be processed as of
the next business day.

In compliance with the USA Patriot Act of 2001, please note that the Fund will
verify certain information on your account application as part of the Fund's
Anti-Money Laundering Program.  As requested on the application, you should
supply your full name, date of birth, social security number and permanent
street address.  Mailing addresses containing a P.O. Box will not be accepted.

MARKET TIMING RESTRICTIONS
Short-term or excessive trading often referred to as "market timing," is
discouraged by the Fund and the Fund does not accommodate frequent purchases
and redemptions.

Market timing can have a potentially negative impact on the value
of shareholder assets. Since its inception, it has been the practice
of the Fund to discourage and, to the extent possible as allowed by law,
prohibit individuals from engaging in market timing activities.

In April of 2006 the Board formalized its redemption fee policy in
accordance with Rule 22c-2. The policy states the fund's board of directors,
including a majority of directors who are not interested persons of the fund,
have determined that imposition of a redemption fee is not necessary and not
appropriate given the manner in which the fund is distributed - including the
lack of intermediaries - and the small number of shareholders in the fund.

To date the Fund had not seen any
activity among its shareholders that it would deem to be market timing.
The Fund does not maintain any arrangements to permit excessive trading and
market timing activities.

Frequent purchases and redemptions of Fund shares ("excessive trading") may
interfere with the Portfolio Manager's ability to manage the Fund's
portfolio effectively, especially in view of the Fund's size and the nature of
its investments. Excessive trading could increase the Fund's transaction and
administrative costs and/or affect the Fund's performance depending on various
factors such as the amount of cash or cash equivalents in the Fund's portfolio
at any given point in time. As a result of excessive trading, the Fund might be
required to sell portfolio securities at unfavorable times in order to meet
redemption requests.  Such sales could increase the transaction expenses of the
Fund and have a negative impact on the Fund's performance.

Shareholders need be made aware that, as of the
this writing, the SEC is considering imposing mandatory redemption fees among
all funds for certain transactions. The Fund will comply with any rule the SEC
makes regarding this.

INITIAL INVESTMENT
Initial purchase of shares of the Series may be made only
by application submitted to the Fund. For the convenience of investors, a
Share Purchase Application form is provided with this Prospectus. The minimum
initial purchase of shares is $2,500 ($500 for IRAs).

SUBSEQUENT PURCHASES
Subsequent purchases may be made by check or readily
available funds and may be made in writing (including an electronic trans-
mission) or by telephone. Shareholders wishing to make subsequent purchases
by telephone must first elect the privilege by writing to the Fund. The
minimum subsequent purchase is $250 ($50 for IRAs), but less may be accepted
only in the case of corporate retirement plans that regularly contribute to
their account via salary deferrals.

Exchanges by the Fund Between Series: To purchase shares by exchanging by
The Fund from another Series,
please call the Bullfinch Fund shareholder services at 1-888-BULLFINCH (1-888-
285-5346) for instructions. Your exchange will be based on the closing net
asset value per share next determined after your purchase order is received in
good order.

There is no charge for exchanges between Series. Generally, an exchange between
Series is a taxable event. The Fund reserves the right to temporarily or
permanently terminate the exchange privilege for any shareholder who makes an
excessive number of exchanges between Series.

In terminating the exchange privilege, the shareholder will always have the
right to redeem shares. Anything greater than 3 exchanges within six months
will be considered excessive. You will receive advance written notice that the
Fund intends to limit your use of the exchange privilege. The Fund also
reserves the right to terminate or modify the exchange privilege at any time
upon 30 days advance written notice or to refuse any exchange request.

REINVESTMENT
The Fund will automatically retain and reinvest dividends
and capital gains distributions in fractional shares and use same for the pur-
chase of additional shares for the shareholder at net asset value as of the
close of business on the distribution date. A shareholder may at any time by
letter or forms supplied by the Fund direct the Fund to pay dividend and/
or capital gains distributions, if any, to such shareholder in cash.

FRACTIONAL SHARES
Fractional shares may be purchased. The Fund will
maintain an account for each shareholder of shares for which no certificates
have been issued.

INDIVIDUAL RETIREMENT ACCOUNTS
You may purchase shares for an individual retirement accounts ("IRA") including
Roth IRA's, SEP's, and Simple IRA's.  IRA investments are available for the
following:
      - Regular contributions
      - Rollover of certain employer sponsored pension and profit-sharing plan
             distributions.
      - Transfers from other IRA's

All assets are automatically invested in Fund shares, including all dividends
and distributions paid on Fund shares within an IRA.  There is an annual fee
(currently $75.00) charged by the IRA Trustee, Equity Trust Co.

The Fund may pay the annual fee for accounts on the discretion of the Fund's
Management or Directors, although IRAs may be charged the annual fee either
Annually or upon termination for IRA Trustee fee in the discretion of the
Fund's Management or Directors.

Any
Account that terminates its IRA with the IRA Custodian may be subject to
termination charges from the IRA Custodian. These charges are identified in
the IRA Custodian's Application and Disclosure Statement. When the Fund pays
any IRA related fees it will be a Fund operating expense. If the fees
are charged to the IRA owners then the owner will have the option of paying the
fee directly or have the fee charged to their IRA.

Each IRA with account value of $10,000 or more will not be charged IRA
Trustee Fees.  IRA's with less than $10,000 may be charged the current
Annual rate for IRA Trustee Fees (presently at $75 but subject to increase
without notice) on the discretion of the Fund's Management or Directors.
Any Account that terminates its IRA with the IRA Custodian may be subject to
termination charges from the IRA Custodian. These charges are identified in
the IRA Custodian's Application and Disclosure Statement.

PENSION, PROFIT SHARING AND 401-K PLANS
Purchases of Fund shares through a business' retirement plans are available to
the owners, officers and employees who participate in the retirement plans.
The accounts will be registered under the name and tax identification of the
pension, profit sharing and/or 401K plans.

REDEMPTION OF SHARES
The Fund will redeem all or any part of the shares of any shareholder who
sends a letter requesting redemption to the Fund at its address as it
appears on this Prospectus (if certificates have not been issued) or certifi-
cates with respect to shares for which certificates have been issued. In either
case, the Fund will require proper endorsements guaranteed by an Eligible
Guarantor Institution as defined by the Securities Exchange Act of 1934
under the following circumstances:

1. The check is made payable to a party other than the registered owner(s).
2. The check is mailed to a new address or one not on the account.
3. You are requesting money to be sent to a bank:
         - From an individually owned account and you are not one of the owners.
         - From an account with multiple owners and the bank account owner(s)
           differ in any way from the Bullfinch Fund account owners.

Eligible Guarantor Institution means:

       - Banks                                 - Broker/Dealers
       - Credit unions                         - National securities exchanges
       - Registered securities associations    - Clearing agencies
       - Savings associations

It shall be the standard procedure for the Fund to automatically accept any
signature guarantee unless:

- the Fund has material evidence to suggest the guaranteeing institution
  is not an Eligible Guarantor Institution; or,
- because the person acting on behalf of the guarantor institution is not
  authorized by that institution to act on its behalf, but only if the
  Fund maintains a list of people authorized to act on behalf of that
  guarantor institution.

Please note that you cannot get a signature guarantee from a notary public.

The redemption price is the net asset value per share next determined after the
order is received in good order by the close of the market as defined above by
the Fund for redemption of shares. For example, a redemption order received by
4pm will be received the NAV of that day. A redemption order received after
4pm will be processed on the next day. The proceeds received by the shareholder
may
be more or less than his cost of such shares, depending upon the net asset value
per share at the time of redemption and the difference should be treated by the
shareholder as a capital gain or loss for federal income tax purposes.

Payment by the Fund will ordinarily be made within three business days after
tender of a valid redemption request. The Fund may suspend the right of
redemption or postpone the date of payment for more than seven days if:
      - The New York Stock Exchange is closed for other than customary weekend
             or holiday closings,
      - Trading on the New York Stock Exchange is restricted as determined by
            the Securities and Exchange Commission
      - The Securities and Exchange Commission has determined that an emergency
            exists, making disposal of fund securities or valuation of net
            assets not reasonably practicable.
      - Other extraordinary events which may restrict the Fund from selling its
            securities or distributing its liquid assets, but only as permitted
            under Rule 22c-1, namely all Federal holidays or days when the
            market is closed.

REDEPEMPTION IN KIND
The Fund intends to make payments in cash, however, the Fund reserves the right
to make payments in kind in liquid securities with a market value equal to the
redemption price. Should this occur, the shareholder will carry market risk
until they can sell the securities and that they will also pay any related
transaction costs associated with selling these securities. Finally,
liquidation in kind does not remove any tax liabilities.

TAX STATUS
Under provisions of Sub-Chapter M of the Internal Revenue Code of 1986 as amend-
ed, the Fund, by paying out substantially all of its investment income and rea-
lized capital gains, and by satisfying certain other requirements, will be
relieved of federal income tax on the amounts distributed to shareholders.

Distribution of any net long-term capital gains realized by the Series
will be taxable to the shareholder as long term capital gains, regardless of the
length of time Series shares have been held by the investor. All income realized
by the Series, including short term capital gains, will be taxable to the share-
holder as ordinary income. Dividends from net income will be made annually or
more frequently at the discretion of the Fund's Board of Directors. Dividends
received shortly after purchase of shares by an investor will have the effect of
reducing the per share net asset value of his shares by the amount of such divi-
dends or distributions and, although in effect a return of capital, are subject
to federal income taxes.

The Fund is required by federal law to withhold 31% of reportable payments
(which may include dividends, capital gains, distributions and redemptions) paid
to shareholders who have not complied with IRS regulations. In order to avoid
this withholding requirement, you must certify on a W-9 tax form supplied by
the Fund that your Social Security or Taxpayer Identification Number provided is
correct and that you are not currently subject to back-up withholding, or that
you are exempt from back-up withholding.

FINANCIAL HIGHLIGHTS
The financial highlights table is intended to help you understand the Series'
financial performance for the past 5 years. Certain information results for a
single Series share.  The total returns in the table represent the rate that an
investor would have earned [or lost] on an investment in each Series (assuming
reinvestment of all dividends & distributions). This information has been
audited by DeJoy & Co. CPAs, LLP, whose report, along with the Fund's
financial statements, are included in the SAI or annual report, which is
available upon request.

                                               Unrestricted Series
         For the years ending:    10/31/25 10/31/24 10/31/23 10/31/22 10/31/21

Net asset value,
   beginning of period             $25.66    24.76    23.47    25.85    19.88
Income from investment operations
   Net investment income (loss)    $  0.19     0.24     0.24    (0.01)   (0.01)
   Net gains or (losses) on securities
   both realized and unrealized    $  4.57     3.27     2.33    (2.37)    6.03
                                   --------------------------------------------
Total from investment operations   $  4.76     3.51     2.57    (2.38)    6.02
Less distributions
   Distributions (from
      capital gains)               $  0.00    (2.37)   (1.25)    0.00    (0.01)
   Dividends (from net investment
      income)                      $(0.24)   (0.24)   (0.03)    0.00    (0.04)
                                   --------------------------------------------
Net asset value, end of period     $30.18    25.66    24.76    23.47    25.85
                                   ============================================
Total return                         18.73%   14.49%   11.55%   (9.24)%  30.34%

Net assets, end of
period                  $14,440,873 12,356,133 10,852,692 11,341,882 12,426,192

Ratio of expenses to average
   net assets                         1.41%    1.40%    1.40%    1.36%    1.37%
Ratio of net income to average
   assets                             0.69%    0.98%    0.94%   (0.02)%  (0.02)%
Portfolio turnover rate               4.64%    0.00%   15.30%    2.86%    0.71%

                                              Greater Western New York
Series
         For the years ending:    10/31/25 10/31/24 10/31/23 10/31/22 10/31/21
Net asset value,
   beginning of period             $27.58    22.18    23.78    25.09    20.16
Income from investment operations
   Net investment income (loss)    $  0.19     0.15     0.16     0.00    (0.05)
   Net gains or (losses) on securities
   both realized and unrealized    $  4.05     5.41    (1.34)   (0.67)    6.28
                                   --------------------------------------------
Total from investment operations   $  4.24     5.56    (1.18)   (0.67)    6.23
Less distributions
   Distributions (from
      capital gains)               $  0.00     0.00    (0.40)   (0.64)   (1.29)
   Dividends (from net investment
      income)                      $(0.15)   (0.16)   (0.02)    0.00    (0.01)
                                   --------------------------------------------
Net asset value, end of period     $31.67    27.58    22.18    23.78    25.09
                                   ============================================
Total return                         15.49%   25.16%   (4.97)%  (2.81)%  31.73%

Net assets, end of period    $3,461,760 2,956,636 2,347,504 2,423,219 2,457,931

Ratio of expenses to average
   net assets                         1.40%    1.43%    1.44%   1.44%     1.52%
Ratio of net income to average
   assets                             0.66%    0.59%    0.71%  (0.01)%  (0.22)%
Portfolio turnover rate               16.10%   0.00%    0.94%  10.00%    0.00%

The Example above should not be considered a representation of past or future
Expenses. Actual expenses may be greater or lesser than those shown.

                                     -14-
<PAGE>

BULLFINCH FUND SHARE PURCHASE APPLICATION

This Application is not part of the Fund's Prospectus

A) Please fill out one of the following four types of accounts:

1) Individual Accounts  ****

   ______________________  __  ____________________      ______________________
           First Name      MI       Last Name            Social Security Number

2) Joint Accounts     ****

   ______________________  __  ____________________      ______________________
          First Name       MI        Last Name           Social Security Number

   ______________________  __  _____________________    _______________________
          First Name       MI        Last Name           Social Security Number

3) Custodial Accounts ****

   ______________________  __  ____________________
   Custodian's First Name  MI   Custodian's Last Name

   ______________________  __  ____________________      ______________________
     Minor's First Name    MI    Minor's Last Name                Minor's
                                                         Social Security Number
4) All Other Accounts  ****

       ___________________________________________   __________________________
                      Name of account.                Tax Identification Number

       ___________________________________________
          (Use this second line if you need it)

B) Biographical and other information about the new account:

Full Address:
             Number & Street __________________________________________________

             City__________________________  St____  Zip_______________________

Home Phone_____________  Bus Phone_____________

Date of Birth: ________________  Citizen of____________________

In order to comply with the US Patriot Act, we are required to have a copy of a
photo identification as part of your initial Shareholder Application. Please
attach a copy of your driver's license, pistol permit or some other form of
photo identification. WARNING: Under Federal law, failure to provide a copy of
photo identification may cause us to delay opening your account.

Dividend Direction (check one): Reinvest all distributions____  Pay in Cash____

Signature of Owner, Trustee or Custodian:    __________________________________

Signature of Joint Owner (if joint account): __________________________________

  Please make check payable to:   BULLFINCH FUND, INC.
                                  3909 Rush Mendon Road, Mendon, NY  14506

Amount of Investment Attached:
      Unrestricted Series     $______________ (Minimum initial purchase $2,500)
      Greater Western New York Series $______________ (Minimum initial
                                                               purchase $2,500)
       All applications are accepted in New York and under New York laws.
                                      -15-
<PAGE>

This Application is not part of the Fund's Prospectus

FORM W-9
(December 2000)
Department of Treasury

Internal Revenue Service

                            Request for Taxpayer
                   Identification Number and Certification

Name as shown on account (if joint account, give name corresponding to TIN)

_________________________________________________

Business name, if different from above

_________________________________________________

Check appropriate box:

        ___ Individual/Sole proprietor     ___ Corporation   ___ Partnership

        ___ Other (specify:_________________________________________________)

Address (number, street and apt. or suite no.)

_________________________________________________

City, State & ZIP Code

_________________________________________________

Requester's name and address (optional):

_________________________________________________

_________________________________________________

_________________________________________________

List account number(s) here (optional):

_________________________________________________

_________________________________________________

Part 1.-  Taxpayer Identification Number         Part 2. - For U.S. Payees
                                                 Exempt from Backup Withholding

Social Security Number ______________________    Write "Exempt" below and sign
                                                 and date the form
or
                                                 ______________________________
Employer ID Number     ______________________

Under penalties of perjury, I certify that:
1. The number shown on this form is my correct taxpayer identification number
   (or I am waiting for a number to be issued to me), and
2. I am not subject to backup withholding because: (a) I am exempt from backup
   withholding, or (b) I have not been notified by the Internal Revenue Service
   (IRS) that I am subject to backup withholding as a result of a failure to
   report all interest or dividends, or (c) the IRS has notified me that I am
   no longer subject to backup withholding, and
3. I am a U.S. person (including a U.S. resident alien).

Certification instructions: You must cross out item 2 above if you have been
notified by the IRS that you are currently subject to backup withholding be-
cause you have failed to report all interest and dividends on your tax return.

Signature of U.S. Person __________________________________ Date ______________

ANNUAL AND SPECIAL MEETINGS
The Fund does not expect to hold annual meetings of shareholders but special
meetings of shareholders may be held under certain circumstances. Shareholders
of the Fund retain the right, under certain circumstances, to request that a
meeting of shareholders be held for the purpose of considering the removal of a
Director from office, and if such a request is made, the Fund will assist with
shareholder communications in connection with the meeting.

REPORTS TO SHAREHOLDERS
The Fund sends all shareholders an Annual Report (which has been audited
by the independent auditor) and a Semi-Annual Report (unaudited). The Fund will
also send account statements to each shareholder at least quarterly.

TRANSFER AGENT
The Fund acts as its own transfer agent.

CUSTODIAN
Charles Schwab & Co., Inc.
The Schwab Building
101 Montgomery Building,
San Francisco, CA 94104

IRA TRUSTEE
Equity Trust Co.
P.O. Box 451159
Westlake, OH 44145

INDEPENDENT AUDITORS
DeJoy & Co. CPAs, LLP
Certified Public Accountants
280 East Broad Street, Suite 300
Rochester, NY 14604

FUND
COUNSEL
Brian Peterson, Esq.
P.O. Box 21760
Oklahoma City, OK 73156-1760

                                      -16-

<PAGE>

PROSPECTUS
BULLFINCH  FUND, INC.
3909 Rush Mendon Road
Mendon, NY 14506

1-888-BULLFINCH
(1-888-285-5346)

February 27, 2026

Why You Should Read This Prospectus and How to Obtain Additional Information?
This Prospectus should be held for future reference.  It is provided in order
to help you decide if the Fund is the proper investment for you.  The risks,
objectives and strategies of each Series of the Bullfinch Fund are explained
within this prospectus.

Additional information about the Fund's investments is available in the Fund's
annual and semi-annual reports to shareholders. In the Fund's annual report,
you will find a discussion of the market conditions and investment strategies
that significantly affected the Fund's performance during its last fiscal year.
The SAI and the Fund's annual and semi-annual reports are available, without
charge, upon request, or to make shareholder inquiries, by calling the
following number or writing the following address:

Bullfinch Fund, Inc.
3909 Rush Mendon Road
Mendon, NY 14506

1-888-BULLFINCH
(1-888-285-5346)

Because the same information is provided independently through the EDGAR data
base on the SEC's internet site (see below), the fund does not make the SAI and
the annual and semi-annual reports on its web-site.

Additional information about the Fund (including the
Statement of Additional Information) can be reviewed and copied at the
Commission's Public Reference Room in Washington, D.C.  Information on the
operation of the public reference room may be obtained by calling the

Commission at 1-202-942-8090. Reports and other information about the Fund are
available on the Commission's Internet site at http://www.sec.gov and copies of

this information may be obtained, upon payment of a duplicating fee, by
electronic request at the following E-mail address: publicinfo@sec.gov or by
writing the Public Reference Section of the Commission, Washington D.C. 20549-
0102.

INVESTMENT ADVISER
CAROSA STANTON ASSET MANAGEMENT, LLC
3909 Rush Mendon Road
Mendon, NY 14506
(585) 624-3150

SEC File Number For the Bullfinch Fund is 811-08191.

                                      -17-
<PAGE>

                             BULLFINCH FUND, INC.
              UNRESTRICTED SERIES          GREATER WESTERN NEW YORK SERIES
                (Ticker: BUNRX)                    (Ticker: BWNYX)

                            3909 Rush Mendon Road
                                Mendon, NY 14506
                                (585) 624-3150
                                1-888-BULLFINCH
                               (1-888-285-5346)

                                    Part B

                      STATEMENT OF ADDITIONAL INFORMATION

                              February 27, 2026

This Statement of Additional Information is not a prospectus, but should be
read in conjunction with the Fund's current prospectus dated February 28, 2025.

To obtain the Prospectus, please write the Fund or call the either of the
telephone number that are shown above and on the prior page. Bullfinch Fund,
Inc. was incorporated under the laws of the State of Maryland on January 29,
1997.

The required financial statements and schedules are incorporated by reference
and have previously delivered to all current shareholders. This report is
available, without charge, upon request by writing the Fund or calling either
of the telephone numbers that are shown above and on the prior page

TABLE OF CONTENTS

Fund History.........................................................2
Fund Classification..................................................2
More on Non-Principal Risks of Specific Strategies of the Fund.......2
 (a)U.S. Government and Agency Bonds.................................2
 (b)Special Situations...............................................3
 (c)Foreign Securities...............................................3
 Portfolio Turnover Policy...........................................4
 Non-diversification Policy..........................................4
Additional Fund Policies.............................................4
Management of the Fund...............................................5
 Compensation of Directors and Officers..............................5
Principal Holders of Shares..........................................6
 Major Shareholders..................................................6
 Management Ownership................................................6
Investment Adviser...................................................6
 Advisory Fees.......................................................7
Brokerage............................................................7
Capital Stock and Other Securities...................................7
Purchase, Redemption and Pricing of Shares...........................8
Tax Status...........................................................8
 IRA.................................................................9
 SEP IRA.............................................................9
 Roth IRA............................................................9
Calculation of Performance Data......................................9
Financial Statements.................................................9

                                      -1-
<PAGE>

FUND HISTORY
The Bullfinch Fund (also referred to as the "Fund") was incorporated under
the laws of the State of Maryland on January 29, 1997. The Fund offers
separate series of units of beneficial interest ("shares"). This Pros-
pectus relates to the Unrestricted Series and the Western New York Series.

The Fund's business office is in Mendon, NY: mail may be addressed
to 3909 Rush Mendon Road, Mendon, NY 14506.

FUND CLASSIFICATION:
The Bullfunch Fund is an open-end, management investment company.

NON-PRINCIPAL RISKS OF SPECIFIC STRATEGIES OF THE SERIES IN THE FUND:
From time to time any Series may hold warrants, preferred
stock or convertible debt it may have received as a result of a corporate
action related to one of its then current holdings. No Series has any intention
of exceeding 5% in any of these types of securities.

TRADING COSTS
Carosa Stanton seeks brokers from which it feels it can achieve the
best price and execution for each individual transaction for all its clients.
Should more than one broker be capable of providing best price and execution,
other factors may be considered in the selection of the broker. These factors
can include commission, research and operational expediency. There may be an
increased cost on Over-the-Counter ("OTC") trades if the adviser chooses to
execute such trades on
any agency basis (i.e., not to trade through a market-maker in any particular
security). These costs include the mark-ups by the market-maker on the OTC
securities, which are in addition to the commissions paid to the agent broker-
dealer. A market-maker may mark-up (down) a security for which it makes a
market, which is a cost that will be incurred in addition to the agency
commissions assessed by the executing broker.

Portfolio Turnover Policy: Neither Series purchases securities for short term
trading in the ordinary course of operations. Accordingly, it is expected that
the annual turnover rate for each individual Series will not exceed 50%,
wherein turnover is computed by dividing the lesser of each individual Series'
total purchases or sales of securities within the period by the average monthly
portfolio value of each individual Series during such period. There may be

times when management deems it advisable to substantially alter the composition
of the portfolio, in which event, the portfolio turnover rate might substant-
ially exceed 50%; this would only result from special circumstances and not
from the normal operations of either Series.

Non-diversification Policy:  Each Series is classified as being non-diversified
which means that it may invest a relatively high percentage of its assets in
the securities of a limited number of issuers.  Each Series, therefore, may be
more susceptible than a diversified fund to any single economic, political, or
regulatory occurrence. The policy of each Series, in the intention of achieving
their objective, is, therefore, one of selective investments rather than
diversification. Each Series seeks only the required diversification necessary
to maintain its federal non-taxable status under Sub-Chapter M of the Internal
Revenue Code (see the Tax Status Section of this prospectus).

ADDITIONAL FUND POLICIES
By-laws of the Fund provide the following fundamental investment restrictions;
The Fund may not, except by the approval of a majority of the outstanding
shares; i.e. a) 67% or more of the voting securities present at a duly called
meeting, if the holders of more than 50% of the outstanding voting securities
are present or represented by proxy, or b) of more than 50% of the outstanding
voting securities, whichever is less:

(a) Act as underwriter for securities of other issuers except insofar as the
    Fund may be deemed an underwriter in selling its own portfolio securities.
(b) Borrow money or purchase securities on margin, but may obtain such short
    term credit as may be necessary for clearance of purchases and sales of se-
    curities for temporary or emergency purposes in an amount not exceeding 5%
    of the value of its total assets.
(c) Sell securities short.
(d) Invest in securities of other investment companies (other than money market
    funds for temporary investment) except as part of a merger, consolidation,
    or purchase of assets approved by the Fund's shareholders or by purchases
    with no more than 10% of the Fund's assets in the open market involving
    only customary brokers commissions.
(e) Invest 25% or more of its total assets at the time of purchase in any one
    industry or group of industries (other than U.S. Government Securities).
(f) Make investments in commodities, commodity contracts or real estate although
    the Fund may purchase and sell securities of companies which deal in real
    estate or interests therein.
(g) Make loans. The purchase of a portion of a readily marketable issue of pub-
    licly distributed bonds, debentures or other debt securities will not be
    considered the making of a loan.
(h) Acquire more than 10% of the securities of any class of another issuer,
    (other than securities issued or guaranteed by the United States Govern-
    ment, its agencies or its instrumentalities) treating all preferred secur-
    ities of an issuer as a single class and all debt securities as a single
    class, or acquire more than 10% of the voting securities of another issuer.
(i) Invest in companies for the purpose of acquiring control.
(j) The Fund may not purchase or retain securities of any issuer if those offi-
    cers and directors of the Fund or its Investment Adviser owning individual-
    ly more than 1/2 of 1% of any class of security or collectively own more
    than 5% of such class of securities of such issuer.
(k) Pledge, mortgage or hypothecate any of its assets.
(l) Invest in securities which may be subject to registration under the Securi-
    ties Act of 1933 prior to sale to the public or which are not at the time of
    purchase readily salable.
(m) Invest more than 5% of the total Series' assets, taken at market value at
    The time of purchase, in securities of companies with less than three
    years's continuous operation, including the operations of any predecessor.
(n) Issue senior securities.

NON-FUNDAMENTAL INVESTMENT RESTRICTIONS
(a) In general, as applied to all fundamental and non-fundamental
investment restrictions, compliance testing is performed at the time
of investing. This testing is completed at the time of purchase and
the Fund may continue to hold a security is the security no longer meets
the standards of the initial compliance test. The borrowing limitation is
carved out.
(a) Neither Series will hold more than 15% of its net assets in illiquid
    securities. As a general rule, management will make its best effort to
    sell any illiquid holdings or price them using prevailing standard
    pricing methods that are consistent with Fund policy.

TEMPORARY DEFENSIVE POSITION:
Depending on its view of their relative attractiveness in light
of market and economic conditions, either Series of the Fund may, from
time to time, take temporary defensive positions. Assets in the either
Series may be invested in money market funds for temporary investment.
When a Series is in a temporary defensive position, it may not achieve
its investment objective.

DISCLOSURE OF PORTFOLIO HOLDINGS
The Fund maintains policies and procedures (as described below) regarding the
disclosure of its portfolio holdings to ensure that disclosure of information
about portfolio securities is in the best interests of the Fund's shareholders.
The Fund's Chief Compliance Officer will report to the Board of Directors
Annually, and whenever a material matter arises, with respect to compliance
with the portfolio holdings disclosure procedures described herein.

Only the Adviser and the custodian have daily access to portfolio holdings.
Each is required to independently disclose those holdings to the Fund's
independent auditor per the requirement of the Investment Company Act or 1940.
There is an oral confidentiality agreement based on general accounting
practices that forbid an auditor from trading on non-public information. The
Board has determined these conditions of confidentiality adequately
safeguard the Fund's shareholders with regard to proper disclosure or
non-public information.

There may be instances where the interests of the shareholders of the Fund
respecting the disclosure of information about portfolio securities may
conflict with the interests of the Adviser or an affiliated person of the Fund.
In such situations, the Board of Directors will be afforded the opportunity to
determine whether or not to allow such disclosure. The Fund does not receive
any compensation for providing information about their portfolio holdings.

The Fund has entered into arrangements with the following third party service
providers: the Adviser independent registered public accountants and custodian.
(The Fund acts as its own administrator, distributor and transfer agent.)
These third party service providers provide services that require them to
have access to the Fund's
portfolio holdings. As a result of the ongoing services that these service
providers provide, they will receive portfolio holdings information on an
ongoing daily basis. In each
case, the Fund's Board of Directors has determined that such advance disclosure
is supported by a legitimate business purpose and that the recipient by reason
of the federal securities laws (1) is prohibited as an "insider" from trading
on the information and (2) has a duty of confidence to the Fund because the
recipient has a history and practice of sharing confidences such that the
recipient of the information knows or reasonably should know that the Fund
expects that the recipient will maintain its confidentiality.

Since this information is not provided on the condition that it be kept
confidential or that these organizations not trade on the information, such
disclosure could provide these organizations with the ability to make
advantageous decisions to place orders for shares of the Fund or to trade
against the Fund to the detriment of other shareholders of the Fund.

Rating and Ranking Organizations.

The Fund's Board of Directors has determined that the Fund may provide their
portfolio holdings to the rating and ranking organizations listed below on
either a monthly or quarterly basis.

       - Morningstar, Inc.
       - Lipper, Inc.

The determination was made that these organizations may provide investors with
a valuable service and, therefore, it is in the best interests of the Fund's
shareholders to provide them with non-public portfolio holdings information.
Since this information is not provided on the condition that it be kept
confidential or that these organizations not trade on the information, such
disclosure could provide these organizations with the ability to make
advantageous decisions to place orders for shares of the Fund or to trade
against the Fund to the detriment of other shareholders of the Fund. However,
the Fund will not provide this information until such information is at least
15 days old, after which time the disclosure of such non-public portfolio
holdings should not be present a material risk to the Fund. Also,
the officers of the
Fund receive and review reports on a regular basis as to any purchases and
redemptions of shares of the Fund to determine if there is any unusual trading
in shares of the Fund.
The officers of the Fund
will report to the Board of Directors any such unusual trading in shares of the
Fund.
The Fund will not pay these organizations.

Media Contacts

In order to maintain practices consistent with Fair Disclosure regulations and
to disclose any conflicts-of-interest, portfolio holdings information may be
provided to members of the media without requiring a confidentiality agreement.
Since this information is not provided on the condition that it be kept
confidential or that these organizations not trade on the information, such
disclosure could provide these organizations with the ability to make
advantageous decisions to place orders for shares of the Fund or to trade
against the Fund to the detriment of other shareholders of the Fund.

The Chief Compliance Officer of the Fund, the Investment Adviser, the
Distributor and Transfer Agent (collectively, the "CCOs") shall oversee the
compliance by the Investment Adviser, the Distributor, the Transfer Agent and
their respective personnel with these policies and procedures.  At least
annually, the CCO shall report to the Board of Directors on such compliance
oversight and on the categories of entities and individuals to which disclosure
of portfolio holdings of the Fund has been made during the preceding year
pursuant to these policies.  The CCO of the Fund shall report to the Board of
Directors any material issue that arises regarding disclosure of the Fund's
portfolio holdings on a timely basis
and shall make a recommendation to the Board of Directors and to the Investment
Adviser, the Distributor and the Transfer Agent as to any actions that the
CCO believes are necessary and desirable to address the issue and carry out or
improve the Fund's portfolio holdings disclosure policies and procedures.

MANAGEMENT OF THE FUND
The overall business and affairs of the Fund are managed by the Fund's Board of
Directors. The Board approves all significant agreements between the Fund and
persons or companies furnishing services to the Fund, including the Fund's
agreements with its investment advisor and custodian. The day-to-day
operations of the Fund are delegated to the Fund's officers and to the Advisor.

OFFICERS AND DIRECTORS OF THE FUND

BOARD OF DIRECTORS INFORMATION

The business and affairs of the Fund are managed under the direction of the
Fund's Board of Directors.  Information pertaining to the Directors of the
Fund are set forth below.  The Fund's SAI includes additional information about

the Fund's Directors, and is available without charge, by calling
(585) 624-3150 or 1-888-BULLFINCH.  Each director may be contacted by writing
to the director c/o Bullfinch Fund, Inc. 3909 Rush Mendon Road, Mendon,
New York 14506

INDEPENDENT DIRECTORS
The directors and officers of the Fund are:
<TABLE>
<CAPTION>
NAME, AGE                POSITON(S)    TERM OF OFFICE        PRINCIPLE        NUMBER OF        OTHER
ADDRESS                  HELD WITH     AND LENGTH OF      OCCUPATION(S)      PORTFOLIOS  DIRECTORSHIPS
                    FUND         TIME SERVED        DURING PAST         IN FUND       HELD BY
                                                             5 YEARS           COMPLEX       DIRECTOR
                                                                             OVERSEEN BY
                                                                              DIRECTOR
-----------------------------------------------------------------------------------------------------

                                           INDEPENDENT DIRECTORS
<S>                     <C>             <C>              <C>                      <C>          <C>
Patrick J. Borrelli, 57 Director; Audit  Term of Office:  Senior Equipment Engineer,                  2            N/A
  8 Dixon Woods         Committee       N/A              Mosaic Micro Systems
  Honeoye Falls                         Length of Time   Manager, Testing/Integration
  NY, 14472                             Served:          L3 Harris
                                        Since 2020

Bryan D. Hickman, 79   Director        Term of Office:  Executive Director 2            N/A
  6288 Bobble Hill Road                 N/A              & Co-Founder
  Naples,                               Length of Time   E3 Rochester, Inc.
  NY   14512                            Served:
                                        Since 2008

Lois Irwin, 72         Director        Term of Office:  President 2            N/A
  33 Oak Meadow Trail                   N/A              EZaccessMD
  Pittsford,                            Length of Time
  NY 14534                              Served:
                                        Since 2006

William Merman, 41   Director        Term of Office:  Business Development Mgr., 2            N/A
  247 Enchanted Forest N                N/A              KYKLO;
  Lancaster,                            Length of Time   Business Development Mgr.,
  NY   14086                            Served:          Wachter, Inc.;
                                        Since 2019       Business Development Mgr.,
                                                                                     Alleyoop.io;

William E.J. Martin, 66 Director        Term of Office:  Managing Member        2            N/A
  4410 Woodlawn Ave. N                  N/A              Chipman & Martin, LLC
  Seattle,                              Length of Time
  WA  98103                             Served:
                                        Since 1997

Michael W. Reynolds, 65 Director        Term of Office:  President               2            N/A
  105 Dorchester Road   Audit           N/A              Mike Reynolds Marketing
  Buffalo,              Committee       Length of Time   Resources;
  NY  14213                             Served:
                                        Since 2000

</Table>
<TABLE>
                                           INTERESTED DIRECTORS*
<S>                     <C>             <C>              <C>                      <C>          <C>
Christopher Carosa, 65  President;      Term of Office:  President, Founder       2            N/A
  2 Lantern Lane        Director;       N/A              Carosa Stanton
  Honeoye Falls,        Chairman of     Length of Time   Asset
  New York 14472        Board; Chief    Served:          Management, LLC;
                        Compliance      Since 1997       President, Director
                        Officer                          and Chairman of the
                                                         Board, Bullfinch Fund, Inc.

Peter Samuel Carosa, 28 Director;          Term of Office:  Design Engineer       2            N/A
  2 Lantern Lane                        N/A              Bergmann;
  Honeoye Falls,                        Length of Time   Technical Production &
  New York 14472                        Served:          Social Media Director,
                                        Since 2019       Pandamensional Solutions;
                                                         Transportation Construction
                                                         Inspector, NYSDOT

                                           OTHER OFFICERS
<S>                     <C>             <C>              <C>                      <C>          <C>

Betsy Kay Carosa, 65    Corporate       Term of Office:  Office Manager           2            N/A
  2 Lantern Lane        Secretary       N/A              Carosa, Stanton
  Honeoye Falls,                        Length of Time   Asset
  NY  14472                             Served:          Management, LLC;
                                        Since 1997       Corporate Secretary,
                                                         Bullfinch Fund, Inc.

Catarina Lena Carosa, 30 Vice President Term of Office:  Research Associate           2            N/A
  2 Lantern Lane                        N/A              Carosa, Stanton
  Honeoye Falls,                        Length of Time   Asset
  NY  14472                             Served:          Management, LLC;
                                        Since 2019       Research Assistant,
                                                         Butler Hospital;
                                                                                     Research Assistant,
                                                         Youth Risk & Resilience Lab,
                                                         University of Rochester
</Table>

OWNERSHIP OF FUND SHARES BY DIRECTORS

The following table provides the range of ownership of the Fund's Board of
Directors of shares of Bullfinch Fund, Inc. as of February 25, 2025.

<Table>
<Caption>
NAME OF DIRECTOR             DOLLAR RANGE OF SECURITIES IN       AGGREGATE DOLLAR RANGE
                                  BULLFINCH FUND, INC.        OF EQUITY SECURITIES IN ALL
                                                                 FUNDS OVERSEEN BY
                                                                       DIRECTOR
-----------------------------------------------------------------------------------------

                              INDEPENDENT DIRECTORS
<S>                        <C>                                         <C>
Patrick J. Borrelli        Unrestricted Series:     $10,001-50,000     $10,001-50,000
                           Greater Western New York Series: none

Bryan D. Hickman           Unrestricted Series:     none
                           Greater Western New York Series: Over $100,000  over $100,000

William Merman             Unrestricted Series:     $10,001-50,000     $10,001-50,000
                           Greater Western New York Series: $10,001-50,000     $10,001-50,000

William E.J. Martin        Unrestricted Series:     $50,001-100,000  $50,001-100,000
                           Greater Western New York Series: none

Lois Irwin                 Unrestricted Series:     none
                           Greater Western New York Series: $50,001-100,000  $50,001-100,000

Michael W. Reynolds        Unrestricted Series:     $50,001-100,000     $50,001-100,000
                           Greater Western New York Series: 10,001-50,000  $10,001-50,000
</Table>
                              INTERESTED DIRECTORS*
<Table>

<S>                        <C>                                         <C>
Christopher Carosa         Unrestricted Series:     over $100,000    over $100,000
                           Greater Western New York Series: over $100,000  over $100,000

Peter S. Carosa            Unrestricted Series:     $50,001-100,000  $50,001-100,000
                           Greater Western New York Series: $50,001-100,000  $50,001-100,000

</Table>

COMPENSATION TABLE FOR FISCAL YEAR ENDING OCTOBER 31, 2025
                 Aggregate   Pension or   Estimated      Total
Name, Position   Compens     Retirement   Annual         Compensation
                 ation From  Benefits     Benefits Upon  From Registrant
                 Registrant  Accrued As   Retirement     And Fund Complex
                             Part of Fund                Paid to
                             Expenses                    Directors
Patrick J.         $400       N/A           N/A         $400
Borrelli, Director
Bryan D.           $400       N/A           N/A         $400
Hickman, Director
William
Merman, Director   $400       N/A           N/A         $400
William E.J.       $400       N/A           N/A         $400
Martin, Director
Lois Irwin,        $400       N/A           N/A         $400
Director
Michael W.         $400       N/A           N/A         $400
Reynolds, Director
Christopher        $   0       N/A           N/A         $   0
Carosa*, Director
Peter S.           $   0       N/A           N/A         $   0
Carosa*, Director
* Director of the Fund who would be considered "interested persons" as defined
by the Investment Company Act of 1940.

COMPENSATION OF DIRECTORS AND OFFICERS

Each unaffiliated director was paid $100 per meeting in fiscal year 2025.
A total of $2,400 has been paid in fiscal year 2025.

to officers and directors of the Fund to compensate for travel expenses
associated with their Fund duties. The Fund does not compensate its officers
and directors that are affiliated with the Investment Adviser except as they
may benefit through payment of the Advisory fee.

OTHER INFORMATION CONCERNING THE BOARD OF DIRECTORS

Mr. Carosa acts as chairman of the board and is an interested director. Mr.
Lamberton is the lead independent director. The role of the lead independent
director is to review the quarterly meeting agenda with the chairman; call,
organize and lead an independent directors meeting (i.e., a meeting of just
non-interested directors) prior to each quarterly meeting; and to regularly
conference with the chairman to discuss pertinent Fund matter. The Board
believes this leadership structure is appropriate given the size of the fund
and the level of Mr. Carosa's experience in the industry. Board oversight is
augmented by the fact that, at each quarterly independent director meeting,
a different independent director is selected to monitoring Fund compliance
activities for the coming quarter.

The only Committee of the Fund is an Audit Committee whose members are Patrick
J. Borrelli and Bryan Hickman, all of whom are
independent directors. The Audit Committee
meets on an annual basis. The Audit Committee reviews the financial reporting
process, the system of internal control, the audit process, and the Fund's
process for monitoring compliance with investment restrictions and
applicable laws and regulations.

The Board has determined that the Fund
currently does not have a financial expert serving on its audit committee
because, it believes, according to the SEC, despite extensive executive and
management expertise, such financial expert needs to have practical experience
performing audits, and, since no director is a CPA or has ever performed audits
of financial statements, the Fund does not have a financial expert on the
audit committee.

Director Qualifications:
Mr. Christopher Carosa, a graduate of Yale with an MBA from the William E.
Simon School,

has more than four decades of experience in the investment adviser. He is
experienced in mutual fund operations, portfolio management and fiduciary
compliance. He has written more than 1,000 articles and published nine books.
He is a native of Buffalo, NY, currently lives in Mendon and is a lifelong
Western New Yorker.

Mr. Hickman has a graduate degree from Princeton. His nearly five decades of
experience include working in the public policy field in Washington, DC. He
is the only board member with manufacturing experience. He is a longtime
Western New York resident and currently lives in Naples, NY.

Mrs. Irwin is a Cornell graduate with more than three decades experience in
the sales and marketing arena. She has a broad network of contact in both
Western New York and beyond. She is a Pittsford resident.

Mr. Martin has a degree from Yale and has spent more than thirty years
working in the construction field. Aside from the two interested director,
he is the only original non-interested director remaining on the board.

Mr. Merman has a degree from Rochester Institute of Technology in
advertising and public relations. He has extensive experience in
marketing and sales. He lives in Buffalo, NY.

Mr. Borrelli has a degree from the University Rochester Institute in
engineering. He has extensive experience in systems and logistics.
He lives in Mendon, NY.

Mr. Peter S. Carosa has a degree from Worcester Polytechnical Institute in
civil engineering. He received a "Twenty under 20" award in 2015 and has
significant experience in internet-based live communications.

Mr. Reynolds, a Yale graduate, is a marketing specialist who recently
created his own consulting firm. With more than three decades experience,
he is the only director living in the Buffalo area, his native area. He is
a lifelong Western New York resident.

CODE OF ETHICS
Both the Fund and the Fund's Investment Adviser have adopted Codes of Ethics
under rule 17j-1 of the Investment Company Act.  These Codes of Ethics describe
rules and regulations for applicable personnel regarding personal investments
in securities held within the Fund's portfolio. These personnel may invest in
securities held in the Fund's portfolio

PROXY POLICY

Carosa Stanton Asset Management, LLC ("Adviser") is registered with
the Securities and Exchange Commission ("SEC") as an investment adviser under
the Investment Advisers Act of 1940, as amended ("Advisers Act"). Pursuant to
an advisory agreement with Bullfinch Fund, Inc. ("Bullfinch"), the Adviser
manages the assets of the Bullfinch Fund ("Fund"). As the investment adviser to
the Fund, the Adviser is responsible for voting all proxies related to
securities held in the Fund's investment portfolio. Consistent with its
fiduciary duties and pursuant to Rule 206(4)-6 under the Advisers Act, the
Adviser has designed this proxy voting policy (the "Policy") to reflect its
commitment to vote all proxies in a manner consistent with the best interests
of the Fund's shareholders and all clients of the Adviser. The Adviser,

consistent with its duty of care, will monitor corporate actions for those
issuers whose securities the Adviser will be called upon to vote. Consistent
with its duty of loyalty, the Adviser will, in all cases, vote to promote the
Fund shareholders' and clients' best interests. In determining how to vote
proxies, the Adviser will not subordinate the interest (both economic and
socially responsible, given the socially responsible nature of the Western New
York Series) of the Fund's shareholders or clients to its own interests or to
that of any other entity or interested party. The Fund's Proxy voting record
for the most recent 12 months ending June 30th is available upon request
without charge at the SEC web site (www.sec.gov)or by calling 1-888-BULLFINCH
(1-888-285-5346).

DISCLOSURE REGARDING THE BOARD OF DIRECTORS' APPROVAL OF THE INVESTMENT
ADVISORY CONTRACT

A discussion regarding the basis for the Board of Directors approving the
renewal of the investment advisory contract is available in the Fund's
annual report to shareholders covering the period ending October 31, 2025.

PRINCIPAL HOLDERS OF SECURITIES
As of February 28, 2025, shareholders on record who own 5% or more of the
outstanding shares of the Fund are as follows:

Series:                      Name:            Address:   Percent Owned:
----------------------------------------------------------------------
Greater Western NY Series    J. Hartney       Hamburg, NY       27.78%
Greater Western NY Series    C. Carosa        Honeoye Falls, NY 12.33%
Greater Western NY Series    K. Lux           East Amherst, NY   9.78%
Greater Western NY Series    B. Carosa        Honeoye Falls, NY  7.76%
Greater Western NY Series    M. Edelstein     Rochester, NY      7.21%
Greater Western NY Series    B. Hickman       Naples, NY         5.05%
Unrestricted Series          E. Carosa        Pittsford, NY     10.67%
Unrestricted Series          S. Butera        Hamburg, NY        7.91%
Unrestricted Series          I. Burke         Rochester, NY      7.69%
Unrestricted Series          J. Hartney       Hamburg, NY        6.23%
Unrestricted Series          M. Morris        Provincetown, MA   5.32%
Unrestricted Series          D. Ferguson      Rochester, NY      5.29%

Management Ownership: Officers and directors of the Fund and their ownership of
the Fund, as of February 27, 2026, are as follows:

                         Unrestricted Series            Greater Western
                                                        New York Series
Name                     Shares       Percentage        Shares       Percentage

Christopher Carosa(1)   27,251.191(3) 5.09%            25,277.002(3)20.10%
 (Chairman, Director)

Peter S. Carosa(1)       2,261.786    0.42%             1,982.737    1.58%
 (Director)

Patrick J. Borrelli      1,568.458(4) 0.30%                 0.000    0.00%
 (Director)

Bryan D. Hickman             0.000    0.00%             6,352.723    5.05%
 (Director)

William Merman             677.539(5) 0.13%                 0.000    0.00%
 (Director)

William E.J. Martin      1,620.192    0.30%                 0.000    0.00%
 (Director)

Lois Irwin                   0.000    0.00%             3,984.819(6) 3.17%

Michael W. Reynolds      2,772.997(7) 0.52%               548.264    0.44%
 (Director)

Betsy K. Carosa(2)      27,251.191(3) 5.09%            25,277.002(3)20.10%
 (Secretary)

Catarina L. Carosa       2,732.978    0.51%             2,428.616    1.93%
 (Vice=President)

(1) Director of the Fund who would be considered "interested persons" as defined
by the Investment Company Act of 1940.

(2) Betsy K. Carosa is the wife of Christopher Carosa

(3) Christopher and Betsy K. Carosa own 5,469.085 shares jointly in the Unre-
stricted Series, 21,782.106 in their IRA's. In the
Greater Western New York Series, 25,277.002 in their IRA's.
.

(4) Patrick J. Borrelli and his wife each own 784.229 in the Unrestricted
    Series.

(5) William Merman's wife owns these shares.

(6) Lois Irwin owns 2,560.542 shares of the Greater Western New York Series in
her IRA R/O. Her husband Will Irwin owns 1,424.277 shares of the Greater
Western New York Series in his IRA.

(7) Michael W. Reynolds owns 1,393.988 shares of the Unrestricted Series in his
IRA R/O. His wife Wendy S. Reynolds owns 1,379.009 shares of the Unrestricted
Series in her IRA.

INVESTMENT ADVISER
Carosa Stanton Asset Management, LLC
3909 Rush Mendon Road
Mendon, NY  14506

Carosa Stanton Asset Management, LLC is a New York Limited Liability
Company that acts as an Investment Adviser to the Fund. Carosa Stanton
Asset Management, LLC, began accepting private portfolio management
clients in February of 1997 and currently manages

twenty-seven portfolios and approximately fifty-seven million dollars under
management as of February 27, 2026.

Christopher
Carosa and Gordon R. Stanton established the firm in late 1996 as the
principal members & officers. Mr. Carosa remains President. Gordon Stanton
passed away in 2015.

On September 24, 1997 the Board of
Directors of Fund reviewed an Investment Management Agreement with Carosa
Stanton Asset Management, LLC, which was unanimously approved by the
Board of Directors. This Agreement will continue on a year to year basis, as
amended, provided that approval is voted at least annually by specific approval
of the Board of Directors of the Fund or by vote of the holders of a majority
of the outstanding voting securities of the Series, but, in either event, it
must also be approved by a majority of the directors of the Fund who are
neither parties to the agreement nor interested persons as defined in the
Investment Company Act of 1940 at a meeting called for the purpose of voting
on such approval. Under the Agreement, Carosa Stanton Asset Manage-
ment, LLC will furnish investment advice to the Fund on the basis of a
continuous review of the portfolio and recommend when and to what extent
securities should be purchased or disposed. The Agreement may be terminated at
any time, without the payment of any penalty, by the Board of Directors or by
vote of a majority of the outstanding voting securities of the Series on at
least 60 days' written notice to Carosa Stanton Asset Management,
LLC. In the event of its assignment, the Agreement will terminate automatically.
Ultimate decisions as to the investment objective and policies are made by the
Fund's directors. For these services the Fund has agreed to pay to the Adviser
a fee of 1.25% per year on the first million dollars of net assets of each Ser-
ies and 1.0% per year on the remaining portion of net assets of each Series.
All fees are computed on the average daily closing net asset value of each Ser-
ies and are payable monthly in arrears. The Adviser will forgo sufficient fees
to hold the total expenses of each Series to less than 2.0% of the first $10
million in assets and 1.5% of the next $20 million.

Pursuant to its contract with the Fund, the Investment Adviser is required to
render research, statistical, and Advisory services to the Fund; to make specif-
ic recommendations based on each Series' investment requirements; and to pay the
salaries of those of the Fund's employees who may be officers or directors or
employees of the Investment Adviser. The Fund is responsible for the operat-
ing expenses of each Series, including:
       - interest and taxes;
       - brokerage commissions;
       - insurance premiums
       - compensation and expenses of its Directors other than those affiliated
            with the Adviser;
       - legal and audit expenses;
       - fees and expenses of each Series' Custodian, and Accounting Services
            Agent, if obtained for any Series from an entity other than the

            Adviser;
       - expenses incidental to the issuance of its shares, including issuance
            on the payment of, or reinvestment of, dividends and capital gain
            distributions;
       - fees and expenses incidental to the registration under federal or
            state securities laws of the Fund and each Series or its shares;
       - expenses of preparing, printing and mailing reports and notices and
            proxy material to shareholders of any Series;
       - all other expenses incidental to holding meetings of the shareholders;
       - dues or assessments of or contributions to the Investment Company
            Institute or any successor; and
       - such non-recurring expenses as may arise, including litigation
            affecting the Fund and the legal obligations with respect to which
            the Fund may have to indemnify its Officers and Directors.

Advisory Fees: The advisory fees to the current adviser, for the last three
fiscal years, are as follows:

     UNRESTRICTED SERIES                 GREATER WESTERN NEW YORK SERIES
      ADVISORY    AMOUNT            NET   ADVISORY    AMOUNT           NET
YEAR       FEE    WAIVED  ADVISORY  FEE        FEE    WAIVED  ADVISORY FEE
2023  $114,451   $     0       $114,451    $27,149   $     0       $27,149
2024  $122,203   $     0       $122,203    $30,550   $     0       $30,550
2025  $131,729   $     0       $131,729    $33,513   $     0       $33,513

PORTFOLIO MANAGER

Christopher Carosa is the sole Portfolio Manager of each Series. As President
and Chief Investment Officer of the Adviser, he oversees a total of

twenty-seven portfolios, totaling $57 million in assets

including the two Series, which represent the only pooled
investment vehicles. In no cases do any of the accounts managed currently pay
an advisory fee based on performance of the account. Since most of the other
accounts are managed in a style similar to the Unrestricted Series, that Series
and those accounts often buy and sell the same securities during similar time
periods. This can theoretically present a conflict should a particular security
exhibit acute illiquidity, but, given the relatively small size of both the
Series and the number of other accounts, this situation is not likely to occur.
In general, because the investment objective of the Unrestricted Series is
similar to those other accounts, every effort is made to ensure all portfolios
are treated similarly. Again, to date, no material conflict has occurred.

In the event of a conflict, the Fund is awarded shares on either a random (if
only a small portion of the order is filled) or pro-rata (if a larger portion
of the order is filled) basis.

Finally, because the Greater Western New York Series has a regional investment
objective, there is likely to be only a small overlap between the portfolios
of the two Series (and with the other accounts), and, because this overlap
generally consists of larger companies, there is little likelihood of a
material conflict with the management of the Greater Western New York Series.

The Portfolio Manager is currently paid a fixed salary in cash and receives a
year-end bonus (also in cash) based on the profitability of the investment
adviser. The Portfolio Manager does not receive direct compensation from the
Fund.

This compensation also includes work done by the Portfolio Manager of any
of the other assets managed by the Adviser.

The Portfolio
Manager owns shares in the Fund both directly and through his spouse. This
ownership amount is disclosed earlier in this SAI under the Principal Holders
of Securities section.

TRANSFER AGENT
Bullfinch Fund, Inc.
3909 Rush Mendon Road
Mendon, New York  14506

As the Fund acts as its own Transfer Agent, Mr. Carosa, Mr. Stanton,
and Mrs. Carosa are all affiliated with both.

PRINCIPAL UNDERWRITER
There is no underwriter.

CUSTODIAN
Charles Schwab & Co., Inc.
The Schwab Building
101 Montgomery Building,
San Francisco, CA 94104

The custodian safe keeps the portfolio securities and investments,
collects income, disburses funds as instructed, and maintains records
in connection with its duties.

INDEPENDENT PUBLIC ACCOUNTANT
DeJoy & Co. CPAs, LLP
Certified Public Accountants
280 East Broad Street, Suite 300
Rochester, NY 14604

The Independent Public Accountant performs an annual audit of the
Fund's financial statements, including the processing of
shareholder transactions by the Fund's Transfer Agent, and takes care
of all tax filing matters.

There have been no changes in or disagreements with the Independent Public
Accountant.

BROKERAGE

Subject to the supervision of the Board of Directors, decisions to buy and
sell securities for the Fund and negotiation of its brokerage commission
rates are made by the Adviser. Transactions on United States stock
exchanges involve the payment by the Fund of negotiated brokerage
commissions. There may be no stated commission in the case of securities
traded in the over-the-counter market but the price paid by the Fund usually
includes a dealer commission or mark-up. In certain instances, the Fund
may make purchases of underwritten issues at prices which include
underwriting fees.

The Investment Management Agreement states that in connection with its duties
to arrange for the purchase and the sale of securities held in the portfolio of
each Series by placing purchase and sale orders for each Series, the Adviser
shall select such broker-dealers ("brokers") as shall, in the Adviser's
judgment, implement the policy of each Series to achieve "best execution",
i.e., prompt and efficient execution at the most favorable securities price. In
making such selection, the Adviser is authorized in the Agreement to consider
the reliability, integrity and financial condition of the broker, the size and
difficulty in executing the order and the value of the expected contribution of
the broker to the investment performance of each Series on a continuing basis.
The Board of Directors will evaluate and review the reasonableness of
brokerage commissions paid on a quarterly basis.

During the last three years, each Series paid the following commissions:

                                   2025        2024        2023
Unrestricted Series              $    0      $    0      $    0
Greater Western New York Series  $    0      $    0      $    0

CAPITALIZATION

Description of Common Stock: The authorized capitalization of the Fund consists
of 10,000,000 shares of common stock of $0.01 par value per share. Each share
has equal dividend, distribution and liquidation rights. There are no conver-
sion or pre-emptive rights applicable to any shares of the Fund.  All shares
issued are fully paid and non-accessible.
Voting Rights: Each holder of common stock has one vote for each share held
and fractional shares will have an equivalent fractional vote. Voting rights
are non-cumulative.

PRICING OF SHARES
The net asset value of the Series' shares is determined as of the close of busi-
ness of the New York Stock Exchange (the "Exchange") typically 4:00pm Eastern
Time or earlier for days the Exchange closes early for holidays on each
business day of which that Exchange is open. The Exchange annually announces
the days on which it will not be open for trading; the most recent announcement
indicates that it will not be open on: New Year's Day, Martin Luther King's
Birthday, Presidents' Day, Good Friday, Memorial Day, Independence Day, Labor
Day, Thanksgiving Day and Christmas Day. The price is determined by dividing
the value of its securities, plus any cash and other assets less all
liabilities, excluding capital surplus, by the number of shares outstanding.
The Adviser is responsible for pricing and calculating the daily net asset
value.

Securities traded on national securities exchanges or the NASDAQ National Market
System are valued at the closing prices of the securities on these exchanges and
securities traded on over-the-counter markets are valued daily at the closing
bid prices.

Short term paper (debt obligations that mature in less than 60 days) is valued
at amortized cost which approximates market value. Other assets are valued at
fair value as determined in good faith by the Board of Directors.

In cases where market prices are unreliable or not readily available, for
example, when trading on securities are halted as permitted by the SEC or
when there is no trading volume on an Over-the-Counter security held by the
Fund, the Fund relies on fair value pricing provided by the Adviser.
In performing its fair value pricing, the Adviser acts under the ultimate
supervision of, and follows, the policies of the Board of Directors. The Board
of Directors retains the right to determine its own fair value price should it
have reason to believe the price provided by the Adviser does not reflect fair
value. Valuing securities at fair value involves greater reliance on judgment
than securities that have readily available market quotations. There can be no
assurance the Fund could obtain the fair value assigned to a security if they
were to sell the security at approximately the time at which the Fund
determines their net asset value per share.

PURCHASE OF SHARES AND REINVESTMENTS
The purchase price of the shares offered by the Fund for any Series is at the
net asset value per share next determined after receipt of the purchase order
by the Fund in good order and is computed in the manner described under the
caption "PRICING OF SHARES" in this Prospectus. The Series reserves the right
at its sole discretion to terminate the offering of its shares made by this
Prospectus at any time and to reject purchase applications when, in the
judgment of management such termination or rejection is in the best interests
of the Fund. Such notification will be within 72 hours.

A purchase order is received in good order when the Fund receives payment and,
in the case of new shareholders, a completed Shareholder Application, or, in
the case of existing shareholders, a correspondence indicating a desire to
purchase.

Payment may be made by wire. Payment is considered received as of the day
the check is received by the Fund if the Fund receives the check before the
close of regular trading on the New York Stock Exchange as defined above.

If payment is made by wire, payment is considered received the day payment is
received by the Series' custodian. All orders received prior to 4pm will
receive that days NAV. All orders received after 4pm will be processed as of
the next business day.

In compliance with the USA Patriot Act of 2001, please note that the Fund will
verify certain information on your account application as part of the Fund's
Anti-Money Laundering Program.  As requested on the application, you should
supply your full name, date of birth, social security number and permanent
street address.  Mailing addresses containing a P.O. Box will not be accepted.

Market Timing Restrictions
Short-term or excessive trading often referred to as "market timing," is
discouraged by the Fund and the Fund does not accommodate frequent purchases
and redemptions.

Market timing can have a potentially negative impact on the value
of shareholder assets. Since its inception, it has been the practice
of the Fund to discourage and, to the extent possible as allowed by law,
prohibit individuals from engaging in market timing activities.

In April of 2006 the Board formalized its redemption fee policy in
accordance with Rule 22c-2. The policy states the fund's board of directors,
including a majority of directors who are not interested persons of the fund,
have determined that imposition of a redemption fee is not necessary and not
appropriate given the manner in which the fund is distributed - including the
lack of intermediaries - and the small number of shareholders in the fund.

To date the Fund had not seen any
activity among its shareholders that it would deem to be market timing.
The Fund does not maintain any arrangements to permit excessive trading and
market timing activities.

Frequent purchases and redemptions of Fund shares ("excessive trading") may
interfere with the Portfolio Manager's ability to manage the Fund's
portfolio effectively, especially in view of the Fund's size and the nature of
its investments. Excessive trading could increase the Fund's transaction and
administrative costs and/or affect the Fund's performance depending on various
factors such as the amount of cash or cash equivalents in the Fund's portfolio
at any given point in time. As a result of excessive trading, the Fund might be
required to sell portfolio securities at unfavorable times in order to meet
redemption requests.  Such sales could increase the transaction expenses of the
Fund and have a negative impact on the Fund's performance.

Shareholders need be made aware that, as of the
this writing, the SEC is considering imposing mandatory redemption fees among
all funds for certain transactions. The Fund will comply with any rule the SEC
makes regarding this.

INITIAL INVESTMENTS
Initial purchase of shares of the Series may be made on-
ly by application submitted to the Fund. For the convenience of investors, a
Share Purchase Application form is provided with this Prospectus. The minimum
initial purchase of shares is $2,500 ($500 for IRAs).

SUBSEQUENT PURCHASES
Subsequent purchases may be made by check or readily
available funds and may be made in writing (including an electronic trans-
mission) or by telephone. Shareholders wishing to make subsequent purchases
by telephone must first elect the privilege by writing to the Fund. The
minimum subsequent purchase is $250 ($50 for IRAs), but less may be accepted
only in the case of corporate retirement plans that regularly contribute to
their account via salary deferrals.

Exchanges by the Fund Between Series: To purchase shares by exchanging by
The Fund from another Series,
please call the Bullfinch Fund shareholder services at 1-888-BULLFINCH (1-888-
285-5346) for instructions. Your exchange will be based on the closing net
asset value per share next determined after your purchase order is received in
good order.

There is no charge for exchanges between Series. Generally, an exchange between
Series is a taxable event. The Fund reserves the right to temporarily or
permanently terminate the exchange privilege for any shareholder who makes an
excessive number of exchanges between Series.

In terminating the exchange privilege the shareholder will always have the
right to redeem shares. Anything greater than 3 exchanges within six months
will be considered excessive. You will receive advance written notice that the
Fund intends to limit your use of the exchange privilege. The Fund also
reserves the right to terminate or modify the exchange privilege at any time
upon 30 days advance written notice or to refuse any exchange request.

Re-Investments: The Fund will automatically retain and reinvest dividends
and capital gains distributions in fractional shares and use same for the pur-
chase of additional shares for the shareholder at net asset value as of the
close of business on the distribution date. A shareholder may at any time by
letter or forms supplied by the Fund direct the Fund to pay dividend and/
or capital gains distributions, if any, to such shareholder in cash.

Fractional Shares: Fractional shares may be purchased. The Fund will
maintain an account for each shareholder of shares for which no certificates
have been issued.

INDIVIDUAL RETIREMENT ACCOUNTS
You may purchase shares for an individual retirement accounts ("IRA") including
Roth IRA's, SEP's, and Simple IRA's.  IRA investments are available for the
following:
      - Regular contributions
      - Rollover of certain employer sponsored pension and profit-sharing plan
             distributions.
      - Transfers from other IRA's

All assets are automatically invested in Fund shares, including all dividends
and distributions paid on Fund shares within an IRA.  There is an annual fee
(currently $75.00) charged by the IRA Trustee, Sterling Trust Co.

The Fund may pay the annual fee for accounts on the discretion of the Fund's
Management or Directors, although IRAs may be charged the annual fee either
Annually or upon termination for IRA Trustee fee in the discretion of the
Fund's Management or Directors.

Any
Account that terminates it's IRA with the IRA Custodian may be subject to
termination charges from the IRA Custodian. These charges are identified in
the IRA Custodian's Application and Disclosure Statement. When the Fund pays
any IRA related fees it will be a Fund operating expense. If the fees
are charged to the IRA owners then the owner will have the option of paying the
fee directly or have the fee charged to their IRA.

Each IRA with account value of $10,000 or more will not be charged IRA
Trustee Fees.  IRA's with less than $10,000 may be charged the current
Annual rate for IRA Trustee Fees (presently at $75 but subject to increase
without notice) on the discretion of the Fund's Management or Directors.
Any Account that terminates its IRA with the IRA Custodian may be subject to
termination charges from the IRA Custodian. These charges are identified in
the IRA Custodian's Application and Disclosure Statement.

PENSION, PROFIT SHARING AND 401-K PLANS
Purchases of Fund shares through a business' retirement plans are available to
the owners, officers and employees who participate in the retirement plans.
The accounts will be registered under the name and tax identification of the
pension, profit sharing and/or 401K plans.

REDEMPTION OF SHARES
The Fund will redeem all or any part of the shares of any shareholder who
sends a letter requesting redemption to the Fund at its address as it
appears on this Prospectus (if certificates have not been issued) or certifi-
cates with respect to shares for which certificates have been issued. In either
case, the Fund will require proper endorsements guaranteed by an Eligible
Guarantor Institution as defined by the Securities Exchange Act of 1934
under the following circumstances:

1. The check is made payable to a party other than the registered owner(s).
2. The check is mailed to a new address or one not on the account.
3. You are requesting money to be sent to a bank:
         - From an individually owned account and you are not one of the owners.
         - From an account with multiple owners and the bank account owner(s)
           differ in any way from the Bullfinch Fund account owners.

Eligible Guarantor Institution means:

       - Banks                                 - Broker/Dealers
       - Credit unions                         - National securities exchanges
       - Registered securities associations    - Clearing agencies
       - Savings associations

It shall be the standard procedure for the Fund to automatically accept any
signature guarantee unless:

- the Fund has material evidence to suggest the guaranteeing institution

  is not an Eligible Guarantor Institution; or,
- because the person acting on behalf of the guarantor institution is not
  authorized by that institution to act on its behalf, but only if the
  Fund maintains a list of people authorized to act on behalf of that
  guarantor institution.

Please note that you cannot get a signature guarantee from a notary public.

The redemption price is the net asset value per share next determined after the
order is received in good order by the close of the market as defined above by
the Fund for redemption of shares. For example, a redemption order received by
4pm will be received the NAV of that day. A remdemption order received after
4pm will be processed on the next day. The proceeds received by the shareholder
may
be more or less than his cost of such shares, depending upon the net asset value
per share at the time of redemption and the difference should be treated by the
shareholder as a capital gain or loss for federal income tax purposes.

Payment by the Fund will ordinarily be made within three business days after
tender of a valid redemption request. The Fund may suspend the right of
redemption or postpone the date of payment for more than seven days if:
      - The New York Stock Exchange is closed for other than customary weekend
             or holiday closings,
      - Trading on the New York Stock Exchange is restricted as determined by
            the Securities and Exchange Commission
      - The Securities and Exchange Commission has determined that an emergency
            exists, making disposal of fund securities or valuation of net
            assets not reasonably practicable.
      - Other extraordinary events which may restrict the Fund from selling its
            securities or distributing its liquid assets, but only as permitted
            under Rule 22c-1.

TAX STATUS

Under provisions of Sub-Chapter M of the Internal Revenue Code of 1986 as amend-
ed, the Series, by paying out substantially all of its investment income and
realized capital gains, and by satisfying certain other requirements has been
and intends to continue to be relieved of federal income tax on the amounts di-
stributed to shareholders.

Distribution of any net long term capital gains realized by the Series
will be taxable to the shareholder as long term capital gains, regardless of the
length of time Series shares have been held by the investor. All income realized
by the Series, including short term capital gains, will be taxable to the share-
holder as ordinary income. Dividends from net income will be made annually or
more frequently at the discretion of the Fund's Board of Directors. Dividends
received shortly after purchase of shares by an investor will have the effect of
reducing the per share net asset value of his shares by the amount of such divi-
dends or distributions and, although in effect a return of capital, are subject
to federal income taxes.

The Fund is required by federal law to withhold 31% of reportable payments
(which may include dividends, capital gains, distributions and redemptions) paid
to shareholders who have not complied with IRS regulations. In order to avoid
this withholding requirement, you must certify on a W-9 tax form supplied by
the Fund that your Social Security or Taxpayer Identification Number provided is
correct and that you are not currently subject to back-up withholding, or that
you are exempt from back-up withholding.

Federal Tax Treatment of Dividends and Distributions

The following is only a summary of certain additional tax considerations
generally affecting the Series and its shareholders that are not described in
the Series' Prospectus. No attempt is made to present a detailed explanation
of the tax treatment of the Series or its shareholders, and the discussion here
and in the Series' Prospectus is not intended as a substitute for careful tax
planning.

The following discussion of federal income tax consequences is based on
the Internal Revenue Code of 1986, as amended (the "Code") and the regulations
issued thereunder as in effect on the date of this Statement of Additional
Information. New legislation, as well as administrative changes or court
decisions, may significantly change the conclusions expressed herein, and may
have a retroactive effect with respect to the transactions contemplated herein.

Qualification as Regulated Investment Company
As a regulated investment company ("RIC") under Subchapter M of the Code,
the Series is exempt from federal income tax on its net investment income and
capital gains which it distributes to shareholders, provided that it
distributes at least 90% of its investment company taxable income (generally,
net investment income and the excess of net short-term capital gain over net
long-term capital loss) for the year (the "Distribution Requirement") and
satisfies certain other requirements of the Code that are described below.
Distributions of investment company taxable income made during the taxable
year will satisfy the Distribution Requirement.

In addition to satisfaction of the Distribution Requirement each Series
must derive at least 90% of its gross income from dividends, interest, certain
payments with respect to securities loans and gains from the sale or other
disposition of stocks, securities or foreign currencies, or from other income
(including but not limited to gains from options, futures or forward
contracts) derived with respect to its business of investing in such stock,
securities or currencies ("Qualifying Income") and derive less than 30% of its
gross income from the sale or other disposition of stocks, securities and
certain other investments held for less than three months including foreign
currencies (or options, futures or forward contracts on foreign currencies)
but only if such currencies (or options, futures or forward contracts) are not
directly related to the Series' principal business of investing in stock or
securities or options and futures with respect to stocks or securities (the
so-called "Short-Short Gain Rule"). Moreover, at the close of each quarter
of its taxable year, at least 50% of the value of the Series' assets must
consist of cash and cash items, Government securities, securities of other
RICs, and securities of other issuers (as to which the Series has not
invested more than 5% of the value of its total assets in any one issuer and
as to which the Series does not hold more than 10% of the outstanding voting

securities of any one issuer), and no more than 25% of the value of its total
assets may be invested in the securities of any one issuer (other than
Government securities and securities of other RICs), or in two or more issuers
which the Series controls and which are engaged in the same, similar or related
trades or businesses (the "Asset Diversification Test").

Individual Retirement Account: Persons who earn compensation and are not active
participants (and who do not have a spouse who is an active participant) in an
employer maintained retirement plan may establish Individual Retirement Accounts
(IRA) using Fund shares. Annual contributions, limited to the lesser of $2,000
or 100% of compensation, are tax deductible from gross income. This IRA

deduction is also retained for individual taxpayers and married couples with
adjusted gross incomes within certain specified limits. All individuals may
make nondeductible IRA contributions to separate accounts to the extent that
they are not eligible for a deductible contribution.

Earnings within the IRA are reinvested and are tax-deferred until withdrawals
begin. The maximum annual contribution may be increased to $4,000 if you have
a spouse who earns no compensation during the taxable year. A separate and
independent Spousal IRA must be maintained. You may begin to make non-penalty
withdrawals as early as age 59 1/2 or as late as age 70 1/2. In the event of
death or disability, withdrawals may be made before age 59 1/2 without penalty.

Simplified Employee Pension: Employers may use the Fund to establish Simplified
Employee Pension (SEP) IRA's for each qualifying employee. Deductible
contributions may be made by the employer through a SEP IRA, which meets the
requirements of section 408(k) of the code. An employer may contribute up to
the lesser of 15% of your calendar year compensation or $22,500.

Roth IRA: Individuals may use the Fund for contributions to a Roth IRA.
Contributions to a Roth IRA are not deductible and are limited to the same
amounts allowable for regular IRA's. In addition there are income limitations
that must be met in order to contribute to a Roth IRA. However, all withdrawals
from a Roth IRA are not included in income if it is a "qualified distribution".
Qualified distributions are to be made no sooner than the fifth tax year after
the year the Roth IRA contribution is made, and the individual must be age 59.5,
or for the events of death, disability or first home purchase (maximum $10,000).

U.S. Treasury Regulations require a Disclosure Statement. This Statement
describes the general provisions of the IRA and is forwarded to all prospective
IRA's. The Fund will pay the setup fees charged by the trustee. There is an
annual fee of $75.00 charged by the IRA Trustee, Sterling Trust Co. The Fund
will pay the annual fee for accounts with a value of at
least $10,000. Accounts below $10,000 in market value may be charged the $150.00
fee. This will be decided on an annual basis by the Fund's President or
Directors. When the Fund pays the annual fees it will be a Fund operating
expense of the Fund. If the fees are charged to the IRA owners then the owner
will have the option of paying the fee directly or have the fee charged to their
IRA. All IRA's may be revoked within seven days of their establishment with no
penalty.

CALCULATION OF PERFORMANCE DATA
The Fund's average annual total returns are calculated using the following
formula:                             n
                                P(1+T) =ERV
                WHERE:
                P    = a hypothetical initial payment of $1,000
                T    = average annual total return

                n    = number of years
                ERV  = ending redeemable value of a hypothetical $1,000
                       payment made at the beginning of the 1-, 5-, or
                       10-year periods at the end of the 1-, 5-, or 10-
                       year periods (or fractional portion).

The Fund's average annual total returns (after taxes on distributions) are
calculated using the following formula:
                                     n
                                P(1+T) = ATV(D)
                WHERE:
                P       = a hypothetical initial payment of $1,000
                T       = average annual total return

                n       = number of years
                ATV(D)  = ending redeemable value of a hypothetical $1,000
                          payment made at the beginning of the 1-, 5-, or
                          10-year periods at the end of the 1-, 5-, or 10-
                          year periods (or fractional portion), after taxes
                          on fund distributions but not after taxes on
                          redemption.

The Fund's average annual total returns (after taxes on distributions and
redemption) are calculated using the following formula:
                                     n
                                P(1+T) = ATV(DR)
                WHERE:
                P       = a hypothetical initial payment of $1,000
                T       = average annual total return

                n       = number of years
                ATV(DR) = ending redeemable value of a hypothetical $1,000
                          payment made at the beginning of the 1-, 5-, or
                          10-year periods at the end of the 1-, 5-, or 10-
                          year periods (or fractional portion), after taxes
                          on fund distributions and redemption.

FINANCIAL STATEMENTS
  (The required financial statements and schedules are incorporated by
   reference to Bullfinch Fund, Inc.; 333-26321; 811-08191; Form N-CSR
   filed on December 23, 2025 with Accession Number 0001493152-25-029113.

<PAGE>

                        FORM N-1A
                PART C - OTHER INFORMATION

          Contents                                          Page #

Item 28.  Financial Statements & Exhibits                        1

Item 29.  Persons Controlled by or Under Common Control          9

Item 30.  Indemnification                                        9

Item 31.  Business and Other Connections of Investment Adviser   9

Item 32.  Principal Underwriters                                 9

Item 33.  Location of Accounts & Records                         9

Item 34.  Management Services                                    10

Item 35.  Undertakings                                           10

          Signatures                                             11

          Exhibits                                               12

                                      -i-
<PAGE>

Item 28. Financial Statements and Exhibits
(a) (1) Articles of Incorporation - Articles of Incorporation as filed with the
        State of Maryland on January 29, 1997 (incorporated by reference to
        Bullfinch Fund, Inc.; 333-26321; 811-08191; Form N-1A filed on
        June 29, 1998 with Accession Number 0001038199-98-000004).
    (2) Articles of Amendment - none
(b)     By-laws - (incorporated by reference to
        Bullfinch Fund, Inc.; 333-26321; 811-08191; Form N-1A filed on
        June 29, 1998 with Accession Number 0001038199-98-000004).
(c)     Instruments Defining Rights of Security Holders - None
(d)     Investment Advisory Contracts - (incorporated by reference to
        Bullfinch Fund, Inc.; 333-26321; 811-08191; Form N-1A filed on
        June 29, 1998 with Accession Number 0001038199-98-000004).
(e)     Underwriting Contracts - None
(f)     Bonus or Profit Sharing Contracts - None
(g)     Custodian Contracts - (incorporated by reference to
        Bullfinch Fund, Inc.; 333-26321; 811-08191; Form N-1A filed on
        June 29, 1998 with Accession Number 0001038199-98-000004).
(h)     Other Material Contracts - None
(i)     Legal Opinion - (incorporated by reference to
        Bullfinch Fund, Inc.; 333-26321; 811-08191; Form N-1A filed on
        June 29, 1998 with Accession Number 0001038199-98-000004).
(j)     Other Opinions

      CONSENT OF INDEPENDENT ACCOUNTANTS

Bullfinch Fund, Inc.
3909 Rush-Mendon Road
Mendon, NY 14506

We hereby consent to the incorporation by reference in this Registration
Statement on Form N-1A of Bullfinch Fund, Inc. of our reports dated December 22,
2025, relating to the financial statements and financial highlights of Bullfinch
Fund, Inc. - Unrestricted Series (one of the series constituting the Bullfinch
Fund, Inc.) and Bullfinch Fund, Inc. - Greater Western New York Series (one of
the series constituting the Bullfinch Fund, Inc.) which are included in
Bullfinch Fund, Inc.'s Certified Shareholder Report on Form N-CSR for the year
ended October 31, 2025.

/s/ DeJoy & Co. CPAs, LLP
Rochester, New York
February 27, 2026.

(k)     Omitted Financial Statements - None
(l)     Initial Capital Agreements - None
(m)     Rule 12b-1 Plan - None
(n)     Rule 18f-3 Plan - None

(o)
        Reserved

(p)
        Code of Ethics - (incorporated by reference to
        Bullfinch Fund, Inc.; 333-26321; 811-08191; Form N-1A filed on
        October 30, 2003 with Accession Number 0001038199-02-000005).

Item 29.  Persons Controlled by or Under Common Control - See Major
          Shareholders Part B.

Item 30.  Indemnification - Insofar as indemnification for liability arising
          under the Securities Act of 1933 may be permitted to directors,
          officers and controlling persons of the registrant, the registrant
          has been advised that, in the opinion of the Securities and Exchange
          Commission, such indemnification is against public policy as expressed
          in the Act and is, therefore, unenforceable. In the event that a claim
          for indemnification against such liabilities (other than the payment
          by the registrant of expenses incurred or paid by a director, officer
          or controlling person of the registrant in the successful defense of
          any action, suit or proceeding) is asserted by such director, officer
          or controlling person in connection with the securities being regist-
          ered, the registrant will, unless in the opinion of its counsel the
          matter has been settled by controlling precedent, submit to a court of
          appropriate jurisdiction the question whether such indemnification by
          it is against public policy as expressed in the Act and will be gov-
          erned by the final adjudication of such issue.

Item 31.  Business and Other Connections of Investment Adviser - the activity
          of Carosa Stanton Asset Management, LLC at the present
          time is performance under the terms of the Investment Management
          Agreement currently effective between Carosa Stanton Asset
          Management, LLC and the BULLFINCH FUND, Inc. Mr. Christopher Carosa,
          is the sole members of the Investment
          Adviser. Mr. Carosa is also Executive Director of CTO Research
          Associates, a research and consulting firm and Chief Contributor to
          Pandamensional Solutions, Inc., marketing and research firm.

Item 32.  Principal Underwriters - none.

Item 33.  Location of Accounts & Records - all Fund records, including all
          accounts, books and other documents required to be maintained by
          Section 31(a) of the 1940 Act and the Rules promulgated thereunder,
          are held in corporate headquarters - 3909 Rush Mendon Road,
          Mendon, New York 14506.

          All assets and securities of the Series
          are in account at Charles Schwab & Co. Inc, The Schwab Building, 101
          Montgomery Building, San Francisco, CA 94104.

Item 34.  Management Services - Not applicable

Item 35.  Undertakings - Not applicable

     SIGNATURES

Pursuant to the requirements of the Securities Act of 1933 and the Investment
Company Act of 1940, the BULLFINCH FUND, Inc. certifies that it meets all of
the requirements for effectiveness of this registration statement under rule
485(b) under the Securities Act and has duly caused this registration statement
to be signed on its behalf by the undersigned, thereunto duly authorized, in

the Town of Mendon and State of New York, on the 27th day of February 2026.

                                                  BULLFINCH FUND, INC.

                                                  /s/
                                                  Christopher Carosa,
                                                  President

Pursuant to the requirements of the Securities Act of 1933, this registration
statement has been signed below by the following person in the capacities and
on the date indicated.

/s/
Christopher Carosa         President, Treasurer and Director        2-27-26

/s/
Patrick J. Borrelli        Director                                 2-27-26

/s/
Bryan D. Hickman           Director                                 2-27-26

/s/
William Merma              Director                                 2-27-26

/s/
Peter S. Carosa            Director                                 2-27-26

/s/
William E. J. Martin       Director                                 2-27-26

/s/
Lois Niland                Director                                 2-27-26

/s/
Michael W. Reynolds        Director                                 2-27-26

/s/
Betsy K. Carosa            Secretary                                2-27-26

                                      -11-
<PAGE>

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