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
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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
Accenture SHS Class A G1151C101 6,180 43,826 SH   SOLE   42,401 0 1,425
Affiliated Managers Group COM 008252108 2,032 20,857 SH   SOLE   20,367 0 490
Ameresco CL A 02361E108 3,038 215,480 SH   SOLE   206,330 0 9,150
American International Group COM NEW 026874784 2,980 75,622 SH   SOLE   74,752 0 870
Apple Computer COM 037833100 10,711 67,903 SH   SOLE   65,773 0 2,130
ARRIS International plc SHS G0551A103 5,215 170,585 SH   SOLE   163,135 0 7,450
Berkshire Hathaway Cl B CL B NEW 084670702 276 1,351 SH   SOLE   1,351 0 0
BlackRock Muni Intermediate Duration Fund COM 09253X102 481 37,997 SH   SOLE   37,997 0 0
BlackRock MuniHoldings Inv Qty COM 09254P108 503 39,520 SH   SOLE   38,270 0 1,250
Centurylink COM 156700106 8,636 570,026 SH   SOLE   551,296 0 18,730
ChevronTexaco COM 166764100 507 4,657 SH   SOLE   4,657 0 0
Chubb Corporation COM H1467J104 9,249 71,594 SH   SOLE   68,934 0 2,660
Cisco Systems COM 17275R102 2,614 60,324 SH   SOLE   56,983 0 3,341
Citigroup COM NEW 172967424 10,003 192,149 SH   SOLE   186,064 0 6,085
ClearBridge Energy MLP Fund Inc COM 18469P100 4,415 565,288 SH   SOLE   540,570 0 24,718
Coca-Cola COM 191216100 286 6,045 SH   SOLE   5,645 0 400
Delta Air Lines COM NEW 247361702 2,562 51,335 SH   SOLE   49,745 0 1,590
Dominion Resources COM 25746U109 246 3,444 SH   SOLE   3,444 0 0
Eaton Vance Floating Rate COM 278279104 218 17,250 SH   SOLE   16,250 0 1,000
Eaton Vance Ltd Duration COM 27828H105 262 21,945 SH   SOLE   21,945 0 0
Eaton Vance Municipal Bond Fd COM 27827X101 148 13,106 SH   SOLE   13,106 0 0
Exxon Mobil COM 30231G102 516 7,571 SH   SOLE   5,136 0 2,435
First BanCorp PR COM NEW 318672706 5,037 585,651 SH   SOLE   563,901 0 21,750
General Electric COM 369604103 243 32,057 SH   SOLE   26,981 0 5,076
General Mills COM 370334104 3,691 94,795 SH   SOLE   92,245 0 2,550
Gilead Sciences Inc COM 375558103 8,261 132,071 SH   SOLE   128,216 0 3,855
Goldcorp COM 380956409 141 14,348 SH   SOLE   14,348 0 0
Goodyear Tire & Rubber COM 382550101 2,260 110,710 SH   SOLE   107,360 0 3,350
Hortonworks Inc COM 440894103 490 33,970 SH   SOLE   30,440 0 3,530
ING Groep NV Adr SPONSORED ADR 456837103 6,490 608,799 SH   SOLE   589,156 0 19,643
Jefferies Financial Group COM 47233W109 5,607 322,983 SH   SOLE   312,888 0 10,095
Johnson & Johnson COM 478160104 988 7,654 SH   SOLE   6,272 0 1,382
JPM Alerian MLP Index ETN ALERIAN ML ETN 46625H365 2,219 99,396 SH   SOLE   97,046 0 2,350
Kennedy-Wilson Holdings COM 489398107 12,945 712,424 SH   SOLE   689,179 0 23,245
Lockheed Martin Corp COM 539830109 201 766 SH   SOLE   766 0 0
MFS Charter Income Trust SH BEN INT 552727109 80 10,900 SH   SOLE   10,900 0 0
Micro Focus SPON ADR NEW 594837304 2,820 163,880 SH   SOLE   160,280 0 3,600
Microsoft COM 594918104 772 7,605 SH   SOLE   6,605 0 1,000
Nuveen NC Prem Income COM 67060P100 189 16,000 SH   SOLE   16,000 0 0
Owens Corning Inc COM 690742101 4,918 111,825 SH   SOLE   110,100 0 1,725
People's United Financial COM 712704105 257 17,800 SH   SOLE   17,800 0 0
Pepsico COM 713448108 610 5,517 SH   SOLE   5,117 0 400
Pfizer COM 717081103 832 19,066 SH   SOLE   19,066 0 0
PGT Inc COM 69336V101 2,105 132,805 SH   SOLE   125,555 0 7,250
Popular COM NEW 733174700 4,096 86,745 SH   SOLE   84,235 0 2,510
Procter & Gamble COM 742718109 842 9,158 SH   SOLE   7,681 0 1,477
Prudential PLC ADR 74435K204 9,712 274,590 SH   SOLE   264,630 0 9,960
Relx Plc Spon Ads Each Repr 1 Ord Shs Gb SPONSORED ADR 759530108 560 27,288 SH   SOLE   25,257 0 2,031
Schwab International Equity ETF INTL EQTY ETF 808524805 279 9,846 SH   SOLE   9,846 0 0
Schwab Short-Term U.S. Treasury ETF SHT TM US TRES 808524862 222 4,443 SH   SOLE   4,443 0 0
Schwab US Aggregate Bond ETF US AGGREGATE B 808524839 251 4,970 SH   SOLE   4,970 0 0
Schwab US Broad Mkt ETF US BRD MKT ETF 808524102 211 3,518 SH   SOLE   3,518 0 0
Schwab US Large Cap ETF US LRG CAP ETF 808524201 448 7,501 SH   SOLE   7,501 0 0
Schwab US Mid-Cap ETF US MID-CAP ETF 808524508 325 6,783 SH   SOLE   6,783 0 0
Schwab US Small-Cap ETF US SML CAP ETF 808524607 302 4,971 SH   SOLE   4,971 0 0
Schwab US TIPS ETF US TIPS ETF 808524870 256 4,799 SH   SOLE   4,799 0 0
SPDR Inv Grade Floating Rate INV GRD FLT RT 78468R200 629 20,710 SH   SOLE   20,710 0 0
SPDR S&P 500 TR UNIT 78462F103 244 977 SH   SOLE   977 0 0
SPDR S&P Dividend S&P DIVID ETF 78464A763 566 6,320 SH   SOLE   6,320 0 0
Stryker COM 863667101 4,091 26,097 SH   SOLE   25,402 0 695
SunPower Corp COM 867652406 3,619 728,225 SH   SOLE   708,025 0 20,200
Templeton Global Income COM 880198106 549 91,075 SH   SOLE   91,075 0 0
The Dow Chemical Company COM 26078J100 449 8,391 SH   SOLE   8,391 0 0
TJX Companies COM 872540109 7,874 175,986 SH   SOLE   170,016 0 5,970
Triumph Group Inc COM 896818101 4,904 426,473 SH   SOLE   413,548 0 12,925
Vanguard Short-Term Bond SHORT TRM BOND 921937827 548 6,970 SH   SOLE   6,970 0 0
Vodafone Plc ADR SPNSR ADR 92857W308 6,671 346,015 SH   SOLE   336,790 0 9,225
W. P. Carey COM 92936U109 6,971 106,692 SH   SOLE   103,312 0 3,380
Walgreens Boots Alliance COM 931427108 336 4,915 SH   SOLE   4,915 0 0
Walt Disney COM DISNEY 254687106 335 3,052 SH   SOLE   3,052 0 0
West Claymore Inflation-Linked Securities COM SH BEN INT 95766Q106 1,616 152,625 SH   SOLE   150,925 0 1,700
Wheaton Precious Metals COM 962879102 213 10,930 SH   SOLE   10,930 0 0
Yamana Gold COM 98462Y100 66 28,000 SH   SOLE   28,000 0 0
Zimmer Biomet Hldgs COM 98956P102 5,517 53,187 SH   SOLE   51,662 0 1,525