The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Laboratories COM 002824100 4,606,144 50,762 SH SOLE 50,262 0 500
AbbVie COM 00287Y109 278,314 1,106 SH SOLE 639 0 467
Accenture SHS Class A G1151C101 8,182,677 65,756 SH SOLE 65,236 0 520
AES COM 00130H105 11,748,949 801,429 SH SOLE 795,829 0 5,600
Agnico Eagle Mines COM 008474108 648,288 4,179 SH SOLE 4,179 0 0
Akamai Technologies COM 00971T101 6,577,323 55,641 SH SOLE 55,211 0 430
Ameresco CL A 02361E108 5,844,714 211,765 SH SOLE 209,465 0 2,300
American International Group COM NEW 026874784 8,604,563 115,451 SH SOLE 114,616 0 835
American Tower COM 03027X100 3,225,928 19,722 SH SOLE 19,607 0 115
American Well Cl A Ord CL A 03044L204 1,225,354 134,359 SH SOLE 134,209 0 150
Americold Realty Trust Inc COM 03064D108 7,752,161 493,140 SH SOLE 489,590 0 3,550
Annaly Capital Mgmt COM 035710839 2,290,260 102,427 SH SOLE 100,946 0 1,481
Apple Computer COM 037833100 15,429,543 53,323 SH SOLE 52,468 0 855
Aptiv Plc SHS G3265R107 10,841,856 176,635 SH SOLE 175,290 0 1,345
AT&T COM 00206R102 3,921,305 189,435 SH SOLE 187,835 0 1,600
Atkore International Group Inc Com COM 047649108 5,451,156 71,688 SH SOLE 71,088 0 600
Autodesk COM 052769106 3,780,691 19,446 SH SOLE 19,321 0 125
Badger Meter COM 056525108 237,408 1,600 SH SOLE 1,600 0 0
Bank of America COM 060505104 238,917 4,193 SH SOLE 4,193 0 0
Berkshire Hathaway Cl B CL B NEW 084670702 610,476 1,220 SH SOLE 1,220 0 0
Best Buy COM 086516101 7,967,704 105,004 SH SOLE 104,709 0 295
Biogen Idec Inc COM 09062X103 397,550 1,840 SH SOLE 1,840 0 0
BlackRock Income Trust COM 09247F209 2,931,727 273,482 SH SOLE 273,482 0 0
Broadcom Ltd COM 11135F101 12,083,845 31,989 SH SOLE 31,564 0 425
ChevronTexaco COM 166764100 556,788 3,359 SH SOLE 3,359 0 0
Chubb Corporation COM H1467J104 5,407,203 15,869 SH SOLE 15,699 0 170
Cisco Systems COM 17275R102 14,528,862 123,692 SH SOLE 121,657 0 2,035
Citigroup COM NEW 172967424 19,864,243 141,928 SH SOLE 140,088 0 1,840
Clearway Energy Inc CL C 18539C204 6,059,294 177,276 SH SOLE 175,916 0 1,360
Coca-Cola COM 191216100 203,671 2,506 SH SOLE 2,106 0 400
Corning COM 219350105 5,421,502 21,225 SH SOLE 21,010 0 215
CSX COM 126408103 342,216 7,200 SH SOLE 7,200 0 0
Delta Air Lines COM NEW 247361702 9,932,830 106,052 SH SOLE 104,867 0 1,185
Direxion Daily MU Bear 1X ETF DLY MU BEAR 1X 25461A163 101,816 10,400 SH SOLE 10,400 0 0
Eaton Vance Ltd Duration COM 27828H105 363,078 38,749 SH SOLE 38,749 0 0
Evolent Health Inc CL A 30050B101 9,321,782 1,719,886 SH SOLE 1,706,486 0 13,400
Exxon Mobil COM 30231G102 456,508 3,339 SH SOLE 2,139 0 1,200
First BanCorp PR COM NEW 318672706 9,153,073 351,096 SH SOLE 346,646 0 4,450
Ge Vernova Llc Com COM 36828A101 803,604 684 SH SOLE 555 0 129
General Electric COM 369604301 1,012,061 2,708 SH SOLE 2,189 0 519
Global Payments Inc COM 37940X102 7,769,942 107,083 SH SOLE 106,258 0 825
Goldman Sachs Access Treasury 0-1 Yr ETF ACCES TREASURY 381430529 529,646 5,288 SH SOLE 5,288 0 0
Goldman Sachs Access Ultra Short Bd ETF ACES ULTRA SHR 381430230 600,578 11,875 SH SOLE 11,875 0 0
Google CAP STK CL A 02079K305 14,470,983 40,493 SH SOLE 40,033 0 460
Google CAP STK CL C 02079K107 350,150 991 SH SOLE 991 0 0
Granite Construction Inc COM 387328107 7,339,654 46,430 SH SOLE 45,805 0 625
Hannon Armstrong Sustainable Infrastructure Capita COM 41068X100 2,689,647 68,877 SH SOLE 68,627 0 250
International Business Machines COM 459200101 378,790 1,347 SH SOLE 1,247 0 100
Invesco NASDAQ 100 ETF NASDAQ 100 ETF 46138G649 287,822 950 SH SOLE 950 0 0
iShares 0-3 Month Treasury Bond ETF 0-3 MNTH TREASRY 46436E718 857,205 8,515 SH SOLE 8,515 0 0
iShares Barclays TIPS TIPS BD ETF 464287176 229,256 2,095 SH SOLE 2,095 0 0
iShares Core MSCI EAFE CORE MSCI EAFE 46432F842 317,748 3,290 SH SOLE 3,290 0 0
Ishares Core S&P Mid Cap CORE S&P MCP ETF 464287507 350,388 4,544 SH SOLE 4,544 0 0
iShares Core US Aggregate Bond CORE US AGGBD ET 464287226 795,403 8,036 SH SOLE 7,936 0 100
ishares National Muni Bond ETF NATIONAL MUN ETF 464288414 571,247 5,308 SH SOLE 5,308 0 0
iShares Short-Term National Muni Bond SHRT NAT MUN ETF 464288158 868,476 8,157 SH SOLE 8,157 0 0
Ishares TRUST S&P CORE S&P500 ETF 464287200 1,449,851 1,936 SH SOLE 1,936 0 0
Ishares US Real Estate ETF U.S. REAL ES ETF 464287739 325,666 3,185 SH SOLE 3,185 0 0
J P Morgan Chase COM 46625H100 422,256 1,290 SH SOLE 1,110 0 180
Jefferies Financial Group COM 47233W109 9,709,465 194,267 SH SOLE 192,092 0 2,175
Johnson & Johnson COM 478160104 1,389,978 5,473 SH SOLE 4,873 0 600
Livanova SHS G5509L101 5,799,682 70,530 SH SOLE 70,015 0 515
Lockheed Martin Corp COM 539830109 275,108 540 SH SOLE 540 0 0
M&T Bank Corporation COM 55261F104 5,656,070 23,764 SH SOLE 23,496 0 268
Managed Municipal Portfolio COM 95766M105 388,499 37,284 SH SOLE 36,784 0 500
Marathon Petroleum Corp COM 56585A102 242,887 950 SH SOLE 950 0 0
Market Vectors Gold Miners ETF GOLD MINER ETF 92189F106 1,073,804 14,232 SH SOLE 14,232 0 0
Market Vectors Junior Gold Miners ETF JUNIOR GOLD MINE 92189F791 332,773 3,387 SH SOLE 3,387 0 0
Materialise SPONSORED ADS 57667T100 7,362,172 990,871 SH SOLE 980,621 0 10,250
Merck COM 58933Y105 250,704 1,951 SH SOLE 1,951 0 0
MFS Multi Market Income SH BEN INT 552737108 65,410 14,866 SH SOLE 14,866 0 0
Microsoft COM 594918104 1,640,169 4,397 SH SOLE 3,522 0 875
Newmont Mining COM 651639106 358,656 3,840 SH SOLE 3,840 0 0
Nextera Energy COM 65339F101 10,527,660 119,946 SH SOLE 119,196 0 750
Nexxen International SPON ADR M8T80P204 7,614,295 843,222 SH SOLE 834,497 0 8,725
Novo Nordisk A/S ADR 670100205 321,198 6,700 SH SOLE 6,700 0 0
Nuveen AMT Free Mun Income Fd COM 670657105 400,217 34,090 SH SOLE 34,090 0 0
Nuveen Muni Value Fund COM 670928100 108,335 11,750 SH SOLE 11,750 0 0
OTIS Worldwide Corp-Wi COM 68902V107 4,303,232 60,101 SH SOLE 60,071 0 30
Pepsico COM 713448108 490,554 3,623 SH SOLE 3,523 0 100
Pfizer COM 717081103 2,766,431 114,885 SH SOLE 114,885 0 0
Popular COM NEW 733174700 3,107,435 18,927 SH SOLE 18,742 0 185
Procter & Gamble COM 742718109 780,969 5,326 SH SOLE 4,126 0 1,200
Rayonier Inc COM 754907103 7,825,209 367,726 SH SOLE 365,591 0 2,135
Regeneron Pharmaceuticals Inc COM 75886F107 236,945 380 SH SOLE 380 0 0
Relx Plc SPONSORED ADR 759530108 239,425 7,560 SH SOLE 7,560 0 0
Royal Gold Inc COM 780287108 399,220 2,000 SH SOLE 2,000 0 0
Saba Capital Income & Opp Fund COM 880198205 85,304 10,216 SH SOLE 10,216 0 0
SAP SPON ADR 803054204 7,886,117 51,172 SH SOLE 50,837 0 335
Schwab International Equity ETF INTL EQTY ETF 808524805 230,603 8,325 SH SOLE 8,325 0 0
Schwab US Broad Mkt ETF US BRD MKT ETF 808524102 354,557 12,243 SH SOLE 12,243 0 0
Schwab US Large Cap ETF US LRG CAP ETF 808524201 202,243 6,872 SH SOLE 6,872 0 0
Schwab US Mid-Cap ETF US MID-CAP ETF 808524508 246,955 6,698 SH SOLE 6,698 0 0
Schwab US Small-Cap ETF US SML CAP ETF 808524607 346,342 9,586 SH SOLE 9,586 0 0
Sector SPDR Utilities SBI INT-UTILS 81369Y886 934,140 20,603 SH SOLE 20,603 0 0
Sony Group SPONSORED ADR 835699307 11,573,757 576,957 SH SOLE 571,907 0 5,050
SPDR Inv Grade Floating Rate INV GRD FLT RT 78468R200 575,970 18,670 SH SOLE 18,370 0 300
SPDR Nuveen Barclays ST Muni NUVEEN BLMBRG SR 78468R739 347,746 7,250 SH SOLE 6,750 0 500
SPDR Portfolio Developed Wld ex-US ETF PORTFOLIO DEVLPD 78463X889 1,110,948 22,047 SH SOLE 22,047 0 0
SPDR Portfolio S&P 600 Sm Cap ETF PORTFOLIO S&P600 78468R853 330,334 5,728 SH SOLE 5,728 0 0
Streetracks Gold Trust GOLD SHS 78463V107 219,186 595 SH SOLE 595 0 0
Stryker COM 863667101 5,091,278 16,171 SH SOLE 15,984 0 187
Sylvamo Corp COMMON STOCK 871332102 5,276,237 139,583 SH SOLE 138,753 0 830
Tetra Tech Inc COM 88162G103 4,366,348 151,137 SH SOLE 150,647 0 490
Texas Instruments COM 882508104 8,897,688 29,851 SH SOLE 29,686 0 165
TJX Companies COM 872540109 13,722,567 90,578 SH SOLE 89,368 0 1,210
Truist Finl Corp Com COM 89832Q109 234,154 4,700 SH SOLE 4,700 0 0
Uber Technologies Inc COM 90353T100 3,873,332 53,677 SH SOLE 53,162 0 515
Vanguard Consumer CONSUM STP ETF 92204A207 271,715 1,205 SH SOLE 1,205 0 0
Vanguard ESG International Stock ETF ESG INTL STK ETF 921910725 967,495 11,750 SH SOLE 11,750 0 0
Vanguard ESG US Stock ETF ESG US STK ETF 921910733 1,917,480 14,500 SH SOLE 14,500 0 0
Vanguard MSCI Eafe VAN FTSE DEV MKT 921943858 312,004 4,379 SH SOLE 4,379 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 241,757 352 SH SOLE 352 0 0
Vanguard Short-Term Bond SHORT TRM BOND 921937827 818,834 10,510 SH SOLE 10,510 0 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 583,977 7,955 SH SOLE 7,955 0 0
Vanguard Total International Bond ETF TOTAL INT BD ETF 92203J407 234,886 4,850 SH SOLE 4,850 0 0
Veeva Systems Inc CL A COM 922475108 5,265,712 29,671 SH SOLE 29,451 0 220
Vertiv Holdings Co COM CL A 92537N108 217,633 650 SH SOLE 650 0 0
W. P. Carey COM 92936U109 7,917,410 110,733 SH SOLE 109,903 0 830
Walt Disney COM DISNEY 254687106 244,475 2,540 SH SOLE 2,540 0 0
West Claymore Inflation-Linked Securities COM SH BEN INT 95766Q106 525,418 64,627 SH SOLE 63,627 0 1,000
Western Asset Intermediate Mun COM 958435109 507,025 64,425 SH SOLE 64,425 0 0
Wheaton Precious Metals COM 962879102 301,018 2,680 SH SOLE 2,680 0 0