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 6,759 32,097 SH   SOLE   31,027 0 1,070
Albemarle Corp COM 012653101 3,502 47,951 SH   SOLE   46,001 0 1,950
Ameresco CL A 02361E108 5,116 292,370 SH   SOLE   279,640 0 12,730
American International Group COM NEW 026874784 4,447 86,642 SH   SOLE   84,122 0 2,520
Annaly Capital Mgmt COM 035710409 4,701 499,016 SH   SOLE   477,266 0 21,750
Apple Computer COM 037833100 14,994 51,060 SH   SOLE   49,270 0 1,790
AT&T COM 00206R102 221 5,665 SH   SOLE   5,665 0 0
Badger Meter COM 056525108 208 3,200 SH   SOLE   3,200 0 0
Berkshire Hathaway Cl B CL B NEW 084670702 258 1,141 SH   SOLE   1,141 0 0
BlackRock Muni Intermediate Duration Fund COM 09253X102 780 54,766 SH   SOLE   54,766 0 0
BlackRock MuniHoldings Inv Qty COM 09254P108 508 38,220 SH   SOLE   36,970 0 1,250
Bristol-Myers Squibb COM 110122108 283 4,406 SH   SOLE   4,406 0 0
Capstead Mortgage Corp COM NO PAR 14067E506 92 11,600 SH   SOLE   11,600 0 0
Centurylink COM 156700106 14,323 1,084,251 SH   SOLE   1,049,646 0 34,605
ChevronTexaco COM 166764100 522 4,330 SH   SOLE   4,330 0 0
Chubb Corporation COM H1467J104 10,079 64,748 SH   SOLE   62,486 0 2,262
Cisco Systems COM 17275R102 2,416 50,378 SH   SOLE   47,312 0 3,066
Citigroup COM NEW 172967424 15,003 187,799 SH   SOLE   182,004 0 5,795
ClearBridge Energy MLP Fund Inc COM 18469P100 5,223 621,087 SH   SOLE   597,266 0 23,821
Clearway Energy Inc CL A 18539C105 6,710 350,930 SH   SOLE   338,780 0 12,150
Cloudera Inc COM 18914U100 407 35,036 SH   SOLE   34,639 0 397
Coca-Cola COM 191216100 308 5,570 SH   SOLE   5,170 0 400
Delta Air Lines COM NEW 247361702 3,790 64,815 SH   SOLE   63,065 0 1,750
Domtar Corporation COM NEW 257559203 8,254 215,855 SH   SOLE   208,845 0 7,010
Eaton Vance Floating Rate COM 278279104 274 20,000 SH   SOLE   19,000 0 1,000
Eaton Vance Ltd Duration COM 27828H105 307 23,195 SH   SOLE   21,695 0 1,500
Eaton Vance Municipal Bond Fd COM 27827X101 143 11,084 SH   SOLE   11,084 0 0
Evolent Health Inc CL A 30050B101 4,819 532,498 SH   SOLE   510,423 0 22,075
Exxon Mobil COM 30231G102 458 6,564 SH   SOLE   4,419 0 2,145
First BanCorp PR COM NEW 318672706 4,949 467,298 SH   SOLE   450,598 0 16,700
General Electric COM 369604103 355 31,781 SH   SOLE   26,705 0 5,076
Gilead Sciences Inc COM 375558103 9,081 139,752 SH   SOLE   135,612 0 4,140
Goldman Sachs Access Treasury 0-1 Yr ETF ACCES TREASURY 381430529 1,305 13,036 SH   SOLE   13,036 0 0
Granite Construction Inc COM 387328107 4,408 159,312 SH   SOLE   153,787 0 5,525
Great Lakes Dredge & Dock Corp COM 390607109 1,030 90,900 SH   SOLE   90,900 0 0
ING Groep NV Adr SPONSORED ADR 456837103 12,478 1,035,553 SH   SOLE   1,002,660 0 32,893
International Business Machines COM 459200101 322 2,405 SH   SOLE   2,305 0 100
Ishares TRUST S&P CORE S&P500 ETF 464287200 210 650 SH   SOLE   650 0 0
Jefferies Financial Group COM 47233W109 9,765 456,966 SH   SOLE   440,486 0 16,480
Johnson & Johnson COM 478160104 1,143 7,838 SH   SOLE   6,670 0 1,168
JPM Alerian MLP Index ETN ALERIAN ML ETN 46625H365 1,849 84,795 SH   SOLE   82,845 0 1,950
Kennedy-Wilson Holdings COM 489398107 15,135 678,699 SH   SOLE   656,064 0 22,635
Lockheed Martin Corp COM 539830109 300 770 SH   SOLE   770 0 0
Merck COM 58933Y105 228 2,511 SH   SOLE   2,511 0 0
MFS Charter Income Trust SH BEN INT 552727109 92 10,900 SH   SOLE   10,900 0 0
Microsoft COM 594918104 1,300 8,244 SH   SOLE   7,244 0 1,000
Newmont Mining COM 651639106 204 4,705 SH   SOLE   4,705 0 0
Novo Nordisk A/S ADR 670100205 260 4,500 SH   SOLE   4,500 0 0
Nuveen AMT Free Mun Income Fd COM 670657105 225 15,640 SH   SOLE   15,640 0 0
Owens Corning Inc COM 690742101 3,331 51,148 SH   SOLE   49,923 0 1,225
Pepsico COM 713448108 717 5,244 SH   SOLE   4,924 0 320
Pfizer COM 717081103 651 16,619 SH   SOLE   16,619 0 0
PGT Inc COM 69336V101 1,950 130,790 SH   SOLE   126,240 0 4,550
Popular COM NEW 733174700 4,325 73,615 SH   SOLE   71,455 0 2,160
Procter & Gamble COM 742718109 849 6,795 SH   SOLE   5,515 0 1,280
Prudential PLC ADR 74435K204 10,968 287,950 SH   SOLE   277,740 0 10,210
Relx Plc SPONSORED ADR 759530108 407 16,109 SH   SOLE   14,909 0 1,200
Royal Gold Inc COM 780287108 245 2,000 SH   SOLE   2,000 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 292 8,673 SH   SOLE   8,673 0 0
Schwab Short-Term U.S. Treasury ETF SHT TM US TRES 808524862 347 6,883 SH   SOLE   6,883 0 0
Schwab US Aggregate Bond ETF US AGGREGATE B 808524839 277 5,189 SH   SOLE   5,189 0 0
Schwab US Broad Mkt ETF US BRD MKT ETF 808524102 285 3,713 SH   SOLE   3,713 0 0
Schwab US Large Cap ETF US LRG CAP ETF 808524201 357 4,644 SH   SOLE   4,644 0 0
Schwab US Mid-Cap ETF US MID-CAP ETF 808524508 313 5,210 SH   SOLE   5,210 0 0
Schwab US Small-Cap ETF US SML CAP ETF 808524607 331 4,370 SH   SOLE   4,370 0 0
Schwab US TIPS ETF US TIPS ETF 808524870 327 5,781 SH   SOLE   5,781 0 0
SPDR Inv Grade Floating Rate INV GRD FLT RT 78468R200 803 26,115 SH   SOLE   26,115 0 0
SPDR Nuveen Barclays ST Muni NUVEEN BLMBRG SR 78468R739 538 10,950 SH   SOLE   10,950 0 0
SPDR S&P 500 TR UNIT 78462F103 281 873 SH   SOLE   873 0 0
Stryker COM 863667101 5,012 23,874 SH   SOLE   23,229 0 645
SunPower Corp COM 867652406 3,132 401,560 SH   SOLE   384,310 0 17,250
Templeton Global Income COM 880198106 504 82,174 SH   SOLE   82,174 0 0
TJX Companies COM 872540109 10,482 171,661 SH   SOLE   165,991 0 5,670
Triumph Group Inc COM 896818101 7,063 279,486 SH   SOLE   270,561 0 8,925
Truist Finl Corp Com COM 89832Q109 259 4,600 SH   SOLE   4,600 0 0
Vanguard Short-Term Bond SHORT TRM BOND 921937827 562 6,970 SH   SOLE   6,970 0 0
ViacomCBS Inc. CL B 92556H206 5,828 138,864 SH   SOLE   134,259 0 4,605
W. P. Carey COM 92936U109 3,189 39,846 SH   SOLE   38,631 0 1,215
Walgreens Boots Alliance COM 931427108 275 4,665 SH   SOLE   4,665 0 0
Walt Disney COM DISNEY 254687106 427 2,955 SH   SOLE   2,955 0 0
West Claymore Inflation-Linked Securities COM SH BEN INT 95766Q106 1,944 159,975 SH   SOLE   158,275 0 1,700
Wheaton Precious Metals COM 962879102 321 10,790 SH   SOLE   10,790 0 0
Yamana Gold COM 98462Y100 111 28,000 SH   SOLE   28,000 0 0