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 8,192 31,362 SH   SOLE   30,512 0 850
AES COM 00130H105 3,881 165,160 SH   SOLE   162,000 0 3,160
Albemarle Corp COM 012653101 3,332 22,587 SH   SOLE   21,782 0 805
Amazon.com COM 023135106 270 83 SH   SOLE   83 0 0
Ameresco CL A 02361E108 1,756 33,605 SH   SOLE   31,605 0 2,000
American International Group COM NEW 026874784 3,797 100,293 SH   SOLE   98,873 0 1,420
Annaly Capital Mgmt COM 035710409 5,944 703,431 SH   SOLE   687,886 0 15,545
Apple Computer COM 037833100 9,663 72,822 SH   SOLE   70,454 0 2,368
Aptiv Plc SHS G6095L109 9,330 71,611 SH   SOLE   69,811 0 1,800
Badger Meter COM 056525108 254 2,700 SH   SOLE   2,700 0 0
Berkshire Hathaway Cl B CL B NEW 084670702 280 1,206 SH   SOLE   1,206 0 0
BlackRock Muni Intermediate Duration Fund COM 09253X102 1,668 112,176 SH   SOLE   110,676 0 1,500
BlackRock MuniHoldings Inv Qty COM 09254P108 509 36,120 SH   SOLE   35,270 0 850
Bristol-Myers Squibb COM 110122108 273 4,401 SH   SOLE   4,401 0 0
Broadcom Ltd COM 11135F101 7,991 18,251 SH   SOLE   17,669 0 582
ChevronTexaco COM 166764100 353 4,176 SH   SOLE   4,176 0 0
Chubb Corporation COM H1467J104 10,996 71,437 SH   SOLE   69,605 0 1,832
Cisco Systems COM 17275R102 4,546 101,581 SH   SOLE   98,031 0 3,550
Citigroup COM NEW 172967424 17,168 278,433 SH   SOLE   270,338 0 8,095
ClearBridge Energy MLP Fund Inc COM 18469P209 1,404 104,576 SH   SOLE   104,300 0 276
Clearway Energy Inc CL A 18539C105 3,021 102,242 SH   SOLE   99,992 0 2,250
Coca-Cola COM 191216100 209 3,810 SH   SOLE   3,410 0 400
CSX COM 126408103 218 2,400 SH   SOLE   2,400 0 0
Domtar Corporation COM NEW 257559203 9,186 290,237 SH   SOLE   282,032 0 8,205
Donnelley Financial Solutions Inc COM 25787G100 5,120 301,726 SH   SOLE   290,776 0 10,950
Dupont De Nemours Inc COM 26614N102 209 2,936 SH   SOLE   2,936 0 0
Eaton Vance Floating Rate COM 278279104 270 20,500 SH   SOLE   19,900 0 600
Eaton Vance Ltd Duration COM 27828H105 815 65,033 SH   SOLE   64,533 0 500
Eaton Vance Sr. Floating Rate COM 27828Q105 234 18,400 SH   SOLE   17,800 0 600
Evolent Health Inc CL A 30050B101 8,523 531,705 SH   SOLE   514,510 0 17,195
Exxon Mobil COM 30231G102 253 6,129 SH   SOLE   4,134 0 1,995
First BanCorp PR COM NEW 318672706 11,908 1,291,498 SH   SOLE   1,251,798 0 39,700
General Electric COM 369604103 326 30,160 SH   SOLE   25,084 0 5,076
Gilead Sciences Inc COM 375558103 3,063 52,575 SH   SOLE   51,495 0 1,080
Goldman Sachs Access Treasury 0-1 Yr ETF ACCES TREASURY 381430529 1,245 12,436 SH   SOLE   12,436 0 0
Google CAP STK CL A 02079K305 2,778 1,585 SH   SOLE   86 0 43
Granite Construction Inc COM 387328107 4,787 179,237 SH   SOLE   175,172 0 4,065
Great Lakes Dredge & Dock Corp COM 390607109 6,873 521,835 SH   SOLE   506,060 0 15,775
Grupo Aeroportuario del Sureste SAB de CV SPON ADR SER B 40051E202 4,857 29,446 SH   SOLE   28,926 0 520
ICF International Inc COM 44925C103 5,197 69,914 SH   SOLE   67,504 0 2,410
ING Groep NV Adr SPONSORED ADR 456837103 4,047 428,750 SH   SOLE   420,380 0 8,370
Intel COM 458140100 3,461 69,473 SH   SOLE   68,668 0 805
International Business Machines COM 459200101 247 1,965 SH   SOLE   1,865 0 100
Jefferies Financial Group COM 47233W109 10,985 446,565 SH   SOLE   434,615 0 11,950
Johnson & Johnson COM 478160104 1,023 6,499 SH   SOLE   5,232 0 1,267
Kennedy-Wilson Holdings COM 489398107 18,226 1,018,788 SH   SOLE   988,773 0 30,015
Lockheed Martin Corp COM 539830109 238 670 SH   SOLE   670 0 0
Lumen Technologies COM 550241103 11,330 1,162,071 SH   SOLE   1,136,166 0 25,905
Merck COM 58933Y105 205 2,511 SH   SOLE   2,511 0 0
MFS Charter Income Trust SH BEN INT 552727109 96 10,900 SH   SOLE   10,900 0 0
Microsoft COM 594918104 1,546 6,949 SH   SOLE   6,049 0 900
Newmont Mining COM 651639106 218 3,647 SH   SOLE   3,647 0 0
Novo Nordisk A/S ADR 670100205 279 4,000 SH   SOLE   4,000 0 0
Nuveen AMT Free Mun Income Fd COM 670657105 731 48,440 SH   SOLE   48,440 0 0
Owens Corning Inc COM 690742101 3,167 41,806 SH   SOLE   41,006 0 800
Pepsico COM 713448108 684 4,611 SH   SOLE   4,471 0 140
Pfizer COM 717081103 3,059 83,104 SH   SOLE   82,354 0 750
Popular COM NEW 733174700 5,153 91,492 SH   SOLE   89,102 0 2,390
Procter & Gamble COM 742718109 801 5,758 SH   SOLE   4,558 0 1,200
Prudential PLC ADR 74435K204 10,635 287,990 SH   SOLE   279,745 0 8,245
Pzena Investment Management CLASS A 74731Q103 1,065 145,880 SH   SOLE   140,380 0 5,500
Relx Plc SPONSORED ADR 759530108 289 11,704 SH   SOLE   11,104 0 600
Royal Gold Inc COM 780287108 213 2,000 SH   SOLE   2,000 0 0
SAP SPON ADR 803054204 2,836 21,750 SH   SOLE   21,550 0 200
Schwab International Equity ETF INTL EQTY ETF 808524805 293 8,132 SH   SOLE   8,132 0 0
Schwab Short-Term U.S. Treasury ETF SHT TM US TRES 808524862 315 6,138 SH   SOLE   6,138 0 0
Schwab US Aggregate Bond ETF US AGGREGATE B 808524839 303 5,409 SH   SOLE   5,409 0 0
Schwab US Broad Mkt ETF US BRD MKT ETF 808524102 284 3,120 SH   SOLE   3,120 0 0
Schwab US Large Cap ETF US LRG CAP ETF 808524201 373 4,098 SH   SOLE   4,098 0 0
Schwab US Mid-Cap ETF US MID-CAP ETF 808524508 411 6,035 SH   SOLE   6,035 0 0
Schwab US Small-Cap ETF US SML CAP ETF 808524607 461 5,183 SH   SOLE   5,183 0 0
Schwab US TIPS ETF US TIPS ETF 808524870 300 4,831 SH   SOLE   4,831 0 0
Sp Plus Corporation COM 78469C103 5,970 207,090 SH   SOLE   198,940 0 8,150
SPDR Inv Grade Floating Rate INV GRD FLT RT 78468R200 844 27,600 SH   SOLE   27,600 0 0
SPDR Nuveen Barclays ST Muni NUVEEN BLMBRG SR 78468R739 525 10,550 SH   SOLE   10,550 0 0
Stryker COM 863667101 5,102 20,820 SH   SOLE   20,300 0 520
Templeton Global Income COM 880198106 412 74,974 SH   SOLE   74,974 0 0
Thermo Fisher Scientific COM 883556102 243 522 SH   SOLE   522 0 0
TJX Companies COM 872540109 6,100 89,326 SH   SOLE   86,651 0 2,675
TPI Composites Inc COM 87266J104 4,666 88,400 SH   SOLE   84,575 0 3,825
Triumph Group Inc COM 896818101 2,651 211,072 SH   SOLE   205,067 0 6,005
Truist Finl Corp Com COM 89832Q109 220 4,600 SH   SOLE   4,600 0 0
Vanguard Short-Term Bond SHORT TRM BOND 921937827 587 7,080 SH   SOLE   7,080 0 0
ViacomCBS Inc. CL B 92556H206 10,549 283,123 SH   SOLE   276,563 0 6,560
W. P. Carey COM 92936U109 2,981 42,234 SH   SOLE   41,229 0 1,005
Walt Disney COM DISNEY 254687106 518 2,857 SH   SOLE   2,857 0 0
West Claymore Inflation-Linked Securities COM SH BEN INT 95766Q106 834 61,175 SH   SOLE   59,949 0 1,226
Wheaton Precious Metals COM 962879102 377 9,040 SH   SOLE   9,040 0 0
Willdan Group Inc COM 96924N100 4,240 101,680 SH   SOLE   97,835 0 3,845
Yamana Gold COM 98462Y100 137 24,000 SH   SOLE   24,000 0 0