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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AbbVie COM 00287Y109   259,325 1,120 SH   SOLE   653 0 467
Accenture SHS Class A G1151C101   10,785,791 43,738 SH   SOLE   43,153 0 585
AES COM 00130H105   12,275,345 932,777 SH   SOLE   925,402 0 7,375
Agnico Eagle Mines COM 008474108   840,272 4,985 SH   SOLE   4,985 0 0
Akamai Technologies COM 00971T101   5,980,267 78,937 SH   SOLE   78,422 0 515
Alexander & Baldwin Inc COM 014491104   3,958,326 217,610 SH   SOLE   215,310 0 2,300
Ameresco CL A 02361E108   8,395,571 250,017 SH   SOLE   246,867 0 3,150
American International Group COM NEW 026874784   8,019,248 102,104 SH   SOLE   100,969 0 1,135
American Well Cl A Ord CL A 03044L204   1,593,902 259,171 SH   SOLE   257,171 0 2,000
Americold Realty Trust Inc COM USD0.01 COM 03064D108   5,508,857 450,070 SH   SOLE   445,670 0 4,400
Annaly Capital Mgmt COM 035710839   3,234,685 160,054 SH   SOLE   157,553 0 2,501
Apple Computer COM 037833100   13,931,062 54,711 SH   SOLE   53,756 0 955
Aptiv Plc SHS G3265R107   12,195,819 141,450 SH   SOLE   139,815 0 1,635
AT&T COM 00206R102   4,599,703 162,879 SH   SOLE   160,479 0 2,400
Atkore International Group Inc Com COM 047649108   6,809,862 108,541 SH   SOLE   107,481 0 1,060
Badger Meter COM 056525108   285,728 1,600 SH   SOLE   1,600 0 0
Berkshire Hathaway Cl B CL B NEW 084670702   579,156 1,152 SH   SOLE   1,152 0 0
Best Buy COM 086516101   2,212,490 29,258 SH   SOLE   28,963 0 295
Biogen Idec Inc COM 09062X103   257,747 1,840 SH   SOLE   1,840 0 0
BlackRock Income Trust COM 09247F209   1,036,025 92,173 SH   SOLE   92,173 0 0
Broadcom Ltd COM 11135F101   12,523,384 37,960 SH   SOLE   37,372 0 588
ChevronTexaco COM 166764100   503,761 3,244 SH   SOLE   3,244 0 0
Chubb Corporation COM H1467J104   4,553,539 16,133 SH   SOLE   15,863 0 270
Cisco Systems COM 17275R102   12,139,419 177,425 SH   SOLE   174,365 0 3,060
Citigroup COM NEW 172967424   20,743,251 204,367 SH   SOLE   201,442 0 2,925
Clearway Energy Inc CL A 18539C105   5,586,063 207,429 SH   SOLE   205,519 0 1,910
Confluent, Inc. CLASS A COM 20717M103   3,135,667 158,367 SH   SOLE   157,172 0 1,195
Corning COM 219350105   6,003,366 73,185 SH   SOLE   71,935 0 1,250
CSX COM 126408103   255,672 7,200 SH   SOLE   7,200 0 0
Delta Air Lines COM NEW 247361702   8,662,207 152,638 SH   SOLE   150,953 0 1,685
Eaton Vance Ltd Duration COM 27828H105   391,272 38,549 SH   SOLE   38,549 0 0
Evolent Health Inc CL A 30050B101   8,277,679 978,449 SH   SOLE   969,049 0 9,400
Exxon Mobil COM 30231G102   364,972 3,237 SH   SOLE   2,037 0 1,200
First BanCorp PR COM NEW 318672706   7,087,884 321,446 SH   SOLE   316,996 0 4,450
Ge Vernova Llc Com COM 36828A101   439,654 715 SH   SOLE   586 0 129
General Electric COM 369604301   857,036 2,849 SH   SOLE   2,330 0 519
General Mills COM 370334104   4,721,329 93,640 SH   SOLE   92,840 0 800
Global Payments Inc COM 37940X102   6,462,959 77,792 SH   SOLE   77,127 0 665
Goldman Sachs Access Treasury 0-1 Yr ETF ACCES TREASURY 381430529   600,177 5,988 SH   SOLE   5,988 0 0
Goldman Sachs Access Ultra Short Bd ETF ACES ULTRA SHR 381430230   602,063 11,875 SH   SOLE   11,875 0 0
Google CAP STK CL A 02079K305   10,551,512 43,404 SH   SOLE   42,759 0 645
Google CAP STK CL C 02079K107   240,627 988 SH   SOLE   988 0 0
Granite Construction Inc COM 387328107   6,497,749 59,259 SH   SOLE   58,431 0 828
International Business Machines COM 459200101   426,062 1,510 SH   SOLE   1,410 0 100
Invesco NASDAQ 100 ETF NASDAQ 100 ETF 46138G649   234,764 950 SH   SOLE   950 0 0
iShares 0-3 Month Treasury Bond ETF 0-3 MNTH TREASRY 46436E718   378,531 3,759 SH   SOLE   3,159 0 600
iShares Barclays TIPS TIPS BD ETF 464287176   222,662 2,002 SH   SOLE   2,002 0 0
Ishares Core S&P Mid Cap CORE S&P MCP ETF 464287507   245,378 3,760 SH   SOLE   3,760 0 0
iShares Core US Aggregate Bond CORE US AGGBD ET 464287226   806,612 8,046 SH   SOLE   7,946 0 100
ishares National Muni Bond ETF NATIONAL MUN ETF 464288414   738,615 6,936 SH   SOLE   6,936 0 0
iShares Short-Term National Muni Bond SHRT NAT MUN ETF 464288158   922,472 8,639 SH   SOLE   8,639 0 0
Ishares TRUST S&P CORE S&P500 ETF 464287200   1,183,992 1,769 SH   SOLE   1,769 0 0
Ishares US Real Estate ETF U.S. REAL ES ETF 464287739   378,127 3,895 SH   SOLE   3,695 0 200
J P Morgan Chase COM 46625H100   292,088 926 SH   SOLE   746 0 180
Jefferies Financial Group COM 47233W109   11,332,968 173,234 SH   SOLE   170,784 0 2,450
Johnson & Johnson COM 478160104   1,091,753 5,888 SH   SOLE   5,288 0 600
Kennedy-Wilson Holdings COM 489398107   11,892,275 1,429,360 SH   SOLE   1,413,385 0 15,975
Livanova SHS G5509L101   3,066,063 58,535 SH   SOLE   58,075 0 460
Lockheed Martin Corp COM 539830109   269,573 540 SH   SOLE   540 0 0
M&T Bank Corporation COM 55261F104   4,708,494 23,826 SH   SOLE   23,428 0 398
Managed Municipal Portfolio COM 95766M105   360,866 34,900 SH   SOLE   34,400 0 500
Market Vectors Gold Miners ETF GOLD MINER ETF 92189F106   1,303,537 17,062 SH   SOLE   17,062 0 0
Market Vectors Junior Gold Miners ETF JUNIOR GOLD MINE 92189F791   325,512 3,287 SH   SOLE   3,287 0 0
Materialise SPONSORED ADS 57667T100   5,482,523 984,295 SH   SOLE   974,295 0 10,000
Micron Technology COM 595112103   2,978,965 17,804 SH   SOLE   17,609 0 195
Microsoft COM 594918104   2,275,354 4,393 SH   SOLE   3,518 0 875
Newmont Mining COM 651639106   438,243 5,198 SH   SOLE   5,198 0 0
Nextera Energy COM 65339F101   9,168,034 121,447 SH   SOLE   120,397 0 1,050
Nexxen International SPON ADR M8T80P204   6,171,804 667,222 SH   SOLE   660,567 0 6,655
Novo Nordisk A/S ADR 670100205   380,107 6,850 SH   SOLE   6,850 0 0
Nuveen AMT Free Mun Income Fd COM 670657105   432,706 37,990 SH   SOLE   37,990 0 0
Nuveen Muni Value Fund COM 670928100   118,985 13,250 SH   SOLE   13,250 0 0
Oracle COM 68389X105   329,051 1,170 SH   SOLE   1,170 0 0
Pan American Silver COM 697900108   211,543 5,462 SH   SOLE   5,462 0 0
Pepsico COM 713448108   514,291 3,662 SH   SOLE   3,562 0 100
Pfizer COM 717081103   3,151,035 123,667 SH   SOLE   123,667 0 0
Popular COM NEW 733174700   2,466,407 19,419 SH   SOLE   19,114 0 305
PotlatchDeltic Corp COM 737630103   7,465,604 183,205 SH   SOLE   181,510 0 1,695
Procter & Gamble COM 742718109   809,699 5,270 SH   SOLE   4,070 0 1,200
Regeneron Pharmaceuticals Inc COM 75886F107   213,663 380 SH   SOLE   380 0 0
Relx Plc SPONSORED ADR 759530108   364,648 7,635 SH   SOLE   7,385 0 250
Royal Gold Inc COM 780287108   401,160 2,000 SH   SOLE   2,000 0 0
RT-BLACKROCK INCOME TR 20OCT25 RIGHT 10/20/2025 09247F118   5,438 92,173 SH   SOLE   92,173 0 0
Saba Capital Income & Opp Fund COM 880198205   153,563 16,838 SH   SOLE   16,838 0 0
SAP SPON ADR 803054204   5,385,885 20,156 SH   SOLE   19,862 0 294
Schwab US Broad Mkt ETF US BRD MKT ETF 808524102   314,768 12,243 SH   SOLE   12,243 0 0
Schwab US Large Cap ETF US LRG CAP ETF 808524201   201,501 7,650 SH   SOLE   7,650 0 0
Schwab US Mid-Cap ETF US MID-CAP ETF 808524508   210,237 7,093 SH   SOLE   7,093 0 0
Schwab US Small-Cap ETF US SML CAP ETF 808524607   278,888 9,996 SH   SOLE   9,996 0 0
Sector SPDR Utilities SBI INT-UTILS 81369Y886   1,036,404 11,884 SH   SOLE   11,884 0 0
Sony Group SPONSORED ADR 835699307   12,621,680 438,405 SH   SOLE   432,430 0 5,975
SPDR Inv Grade Floating Rate INV GRD FLT RT 78468R200   584,643 18,945 SH   SOLE   18,645 0 300
SPDR Nuveen Barclays ST Muni NUVEEN BLMBRG SR 78468R739   352,729 7,315 SH   SOLE   6,815 0 500
SPDR Portfolio Developed Wld ex-US ETF PORTFOLIO DEVLPD 78463X889   859,993 20,098 SH   SOLE   20,098 0 0
SPDR Portfolio S&P 600 Sm Cap ETF PORTFOLIO S&P600 78468R853   231,554 4,999 SH   SOLE   4,999 0 0
Streetracks Gold Trust GOLD SHS 78463V107   211,505 595 SH   SOLE   595 0 0
Stryker COM 863667101   4,827,521 13,059 SH   SOLE   12,802 0 257
Sylvamo Corp COMMON STOCK 871332102   3,628,207 82,049 SH   SOLE   81,269 0 780
Texas Instruments COM 882508104   6,238,368 33,954 SH   SOLE   33,699 0 255
Thermo Fisher Scientific COM 883556102   265,791 548 SH   SOLE   548 0 0
TJX Companies COM 872540109   13,524,608 93,570 SH   SOLE   92,105 0 1,465
Truist Finl Corp Com COM 89832Q109   250,317 5,475 SH   SOLE   5,475 0 0
Uber Technologies Inc COM 90353T100   4,505,150 45,985 SH   SOLE   45,470 0 515
Vanguard ESG International Stock ETF ESG INTL STK ETF 921910725   742,259 10,700 SH   SOLE   10,700 0 0
Vanguard ESG US Stock ETF ESG US STK ETF 921910733   1,563,408 13,200 SH   SOLE   13,200 0 0
Vanguard MSCI Eafe VAN FTSE DEV MKT 921943858   239,680 4,000 SH   SOLE   4,000 0 0
Vanguard Short-Term Bond SHORT TRM BOND 921937827   715,319 9,065 SH   SOLE   9,065 0 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835   591,613 7,955 SH   SOLE   7,955 0 0
Vanguard Total International Bond ETF TOTAL INT BD ETF 92203J407   239,881 4,850 SH   SOLE   4,850 0 0
Vanguard Total International Stock ETF VG TL INTL STK F 921909768   209,361 2,850 SH   SOLE   2,850 0 0
Vanguard Total Stock Mkt TOTAL STK MKT 922908769   295,353 900 SH   SOLE   900 0 0
Vanguard Value VALUE ETF 922908744   242,437 1,300 SH   SOLE   1,300 0 0
W. P. Carey COM 92936U109   7,634,734 112,990 SH   SOLE   111,620 0 1,370
Walt Disney COM DISNEY 254687106   290,830 2,540 SH   SOLE   2,540 0 0
West Claymore Inflation-Linked Securities COM SH BEN INT 95766Q106   466,342 55,385 SH   SOLE   54,385 0 1,000
Western Asset Intermediate Mun COM 958435109   505,647 63,925 SH   SOLE   63,925 0 0
Wheaton Precious Metals COM 962879102   422,755 3,780 SH   SOLE   3,780 0 0