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
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
3M Co COM 88579y101 406 3,138 SH   SOLE   57 0 3,081
Abbott Laboratories COM 002824100 1,951 17,954 SH   SOLE   2,092 0 15,862
AbbVie Inc COM 00287y109 3,529 23,044 SH   SOLE   3,486 0 19,558
Adobe Inc COM 00724f101 1,253 3,424 SH   SOLE   1,604 0 1,820
Aflac Inc COM 001055102 310 5,600 SH   SOLE   5,400 0 200
Air Prods & Chems Inc COM 009158106 1,082 4,501 SH   SOLE   2,670 0 1,831
Aldeyra Therapeutics Inc COM 01438t106 48 11,964 SH   SOLE   0 0 11,964
Alphabet Inc Cap Stock Cl A COM 02079k305 10,912 5,007 SH   SOLE   437 0 4,570
Alphabet Inc Cap Stock Cl C COM 02079k107 11,530 5,271 SH   SOLE   174 0 5,097
Amazon.com Inc COM 023135106 5,856 55,140 SH   SOLE   7,000 0 48,140
American States Water Co COM 029899101 245 3,000 SH   SOLE   0 0 3,000
Amgen Inc COM 031162100 1,598 6,568 SH   SOLE   0 0 6,568
Amphenol Corp Cl A COM 032095101 6,000 93,194 SH   SOLE   0 0 93,194
Apple Inc. COM 037833100 25,076 183,411 SH   SOLE   18,709 0 164,701
Ares Capital Corp COM 04010l103 4,068 226,870 SH   SOLE   0 0 226,870
AT&T Inc COM 00206r102 667 31,844 SH   SOLE   472 0 31,372
Automatic Data Processing Inc COM 053015103 1,404 6,684 SH   SOLE   34 0 6,650
Bank America Corp COM 060505104 398 12,798 SH   SOLE   66 0 12,732
Becton Dickinson & Co COM 075887109 414 1,681 SH   SOLE   363 0 1,318
Berkshire Hathaway Inc Cl B COM 084670702 1,418 5,195 SH   SOLE   2,229 0 2,966
Berkshire Hills Bancorp Inc COM 084680107 302 12,180 SH   SOLE   0 0 12,180
BlackRock Inc COM 09247x101 2,891 4,747 SH   SOLE   946 0 3,801
Blackstone Inc COM 09260d107 301 3,300 SH   SOLE   0 0 3,300
Blue Foundry Bancorp COM COM 09549b104 251 20,925 SH   SOLE   0 0 20,925
Boeing Co COM 097023105 341 2,494 SH   SOLE   0 0 2,494
Bristol-Myers Squibb Co COM 110122108 925 12,008 SH   SOLE   90 0 11,918
Broadcom Inc COM 11135f101 487 1,002 SH   SOLE   127 0 875
Carrier Global Corporation COM 14448c104 263 7,378 SH   SOLE   0 0 7,378
Caterpillar Inc COM 149123101 1,057 5,914 SH   SOLE   2,804 0 3,110
Chevron Corp COM 166764100 3,638 25,128 SH   SOLE   5,914 0 19,214
Chubb Limited COM h1467j104 368 1,873 SH   SOLE   56 0 1,817
Cincinnati Financial Corp COM 172062101 238 2,000 SH   SOLE   2,000 0 0
CME Group Inc Cl A COM 12572q105 691 3,374 SH   SOLE   50 0 3,324
Cna Financial Corp COM COM 126117100 322 7,181 SH   SOLE   249 0 6,932
Comcast Corp Cl A COM 20030n101 352 8,963 SH   SOLE   0 0 8,963
ConocoPhillips COM 20825c104 660 7,352 SH   SOLE   80 0 7,272
Consolidated Edison Inc COM 209115104 220 2,313 SH   SOLE   83 0 2,230
Costco Wholesale Corp COM 22160k105 5,057 10,551 SH   SOLE   2,021 0 8,530
Crowdstrike Holdings Inc Cl A COM 22788c105 1,705 10,117 SH   SOLE   50 0 10,067
CSX Corp COM 126408103 570 19,605 SH   SOLE   0 0 19,605
Danaher Corp COM 235851102 2,454 9,681 SH   SOLE   0 0 9,681
Datadog Inc Cl A COM 23804l103 2,770 29,080 SH   SOLE   0 0 29,080
Deere & Co COM 244199105 267 892 SH   SOLE   0 0 892
Disney Walt Co Disney COM 254687106 2,567 27,191 SH   SOLE   5,060 0 22,131
Dow Inc COM 260557103 208 4,037 SH   SOLE   116 0 3,921
Eastern Bankshares Inc COM COM 27627n105 1,162 62,936 SH   SOLE   0 0 62,936
Ecolab Inc COM 278865100 288 1,870 SH   SOLE   0 0 1,870
Enbridge Inc COM 29250n105 256 6,052 SH   SOLE   172 0 5,880
Exxon Mobil Corp COM 30231g102 774 9,043 SH   SOLE   4,375 0 4,668
Facebook Inc Cl A COM 30303m102 290 1,797 SH   SOLE   43 0 1,754
FedEx Corp COM 31428x106 2,543 11,215 SH   SOLE   0 0 11,215
Flow Beverage Corp COM SUB VTG COM 34344j102 4 12,325 SH   SOLE   0 0 12,325
General Mills Inc COM 370334104 324 4,288 SH   SOLE   129 0 4,159
Gilead Sciences Inc COM 375558103 387 6,261 SH   SOLE   191 0 6,070
Goldman Sachs Group Inc COM 38141g104 1,005 3,384 SH   SOLE   1,870 0 1,514
Hershey Co COM 427866108 2,865 13,315 SH   SOLE   0 0 13,315
Home Depot Inc COM 437076102 3,498 12,753 SH   SOLE   1,062 0 11,691
Honeywell Intl Inc COM 438516106 1,995 11,478 SH   SOLE   55 0 11,423
IIVI Inc COM 902104108 1,786 35,045 SH   SOLE   500 0 34,545
Illinois Tool Works Inc COM 452308109 214 1,172 SH   SOLE   42 0 1,130
Intel Corp COM 458140100 442 11,802 SH   SOLE   90 0 11,712
International Business Machs C COM 459200101 292 2,071 SH   SOLE   55 0 2,016
Johnson & Johnson COM 478160104 4,265 24,027 SH   SOLE   67 0 23,960
JPMorgan Chase & Co COM 46625h100 1,993 17,694 SH   SOLE   2,096 0 15,598
KeyCorp COM 493267108 2,356 136,765 SH   SOLE   0 0 136,765
Kimberly Clark Corp COM 494368103 277 2,053 SH   SOLE   66 0 1,987
Lilly Eli & Co COM 532457108 783 2,416 SH   SOLE   1,029 0 1,387
Lockheed Martin Corp COM 539830109 371 862 SH   SOLE   22 0 840
Lululemon Athletica Inc COM 550021109 1,115 4,090 SH   SOLE   2,099 0 1,991
M & T Bank Corp COM 55261f104 3,285 20,612 SH   SOLE   0 0 20,612
Marathon Oil Corp COM 565849106 1,020 45,375 SH   SOLE   0 0 45,375
MasterCard Incorporated Cl A COM 57636q104 991 3,140 SH   SOLE   0 0 3,140
McDonalds Corp COM 580135101 1,976 8,003 SH   SOLE   335 0 7,668
Medtronic PLC COM g5960l103 578 6,442 SH   SOLE   5,382 0 1,060
Merck & Co Inc COM 58933y105 3,277 35,945 SH   SOLE   9,199 0 26,746
Microsoft Corp COM 594918104 4,739 18,453 SH   SOLE   4,726 0 13,727
Nestle S A COM 641069406 360 3,092 SH   SOLE   0 0 3,092
Nextera Energy Inc COM 65339f101 956 12,345 SH   SOLE   840 0 11,505
Nike Inc Cl B COM 654106103 265 2,596 SH   SOLE   323 0 2,273
Northrop Grumman Corp COM 666807102 1,467 3,066 SH   SOLE   1,553 0 1,513
NVIDIA Corp COM 67066g104 1,325 8,739 SH   SOLE   2,865 0 5,874
OPKO Health Inc COM 68375n103 40 15,770 SH   SOLE   0 0 15,770
Oracle Corp COM 68389x105 302 4,328 SH   SOLE   904 0 3,424
Otis Worldwide Corp COM 68902v107 261 3,689 SH   SOLE   0 0 3,689
Palantir Technologies Inc Cl A COM 69608a108 368 40,536 SH   SOLE   0 0 40,536
Palo Alto Networks Inc COM 697435105 279 565 SH   SOLE   200 0 365
Paypal Holdings Inc COM 70450y103 961 13,766 SH   SOLE   0 0 13,766
PepsiCo Inc COM 713448108 11,898 71,389 SH   SOLE   3,850 0 67,539
Pfizer Inc COM 717081103 1,560 29,760 SH   SOLE   14,213 0 15,547
Philip Morris Intl Inc COM 718172109 202 2,049 SH   SOLE   375 0 1,674
Pioneer Natural Resources Co COM 723787107 328 1,470 SH   SOLE   392 0 1,078
Plug Power Inc COM 72919p202 482 29,076 SH   SOLE   0 0 29,076
PPL Corp COM 69351t106 272 10,019 SH   SOLE   7,519 0 2,500
Procter And Gamble Co COM 742718109 1,665 11,580 SH   SOLE   5,508 0 6,072
Qualcomm Inc COM 747525103 316 2,472 SH   SOLE   0 0 2,472
Raytheon Technologies Corp COM 75513e101 1,775 18,465 SH   SOLE   1,549 0 16,916
Renaissancere Holdings Ltd COM COM g7496g103 313 2,000 SH   SOLE   0 0 2,000
Rightscorp Inc COM 76658a102 6 200,000 SH   SOLE   0 0 200,000
Royal Mines & Minerals Corp COM 78033p101 0 50,000 SH   SOLE   50,000 0 0
Sap SE Sp ADR COM 803054204 796 8,770 SH   SOLE   0 0 8,770
Skyx Platforms Corp Com COM 78471e105 619 309,667 SH   SOLE   0 0 309,667
Sorrento Therapeutics Inc COM 83587f202 81 40,300 SH   SOLE   0 0 40,300
Starbucks Corp COM 855244109 467 6,115 SH   SOLE   0 0 6,115
Starwood Property Trust Inc COM 85571b105 1,068 51,103 SH   SOLE   373 0 50,730
Target Corp COM 87612e106 520 3,682 SH   SOLE   275 0 3,407
Tesla Inc COM 88160r101 1,256 1,865 SH   SOLE   0 0 1,865
Thermo Fisher Scientific Inc COM 883556102 1,296 2,386 SH   SOLE   1,156 0 1,230
TJX Cos Inc COM 872540109 2,883 51,628 SH   SOLE   10,284 0 41,344
Toronto Dominion Bank Ont COM COM 891160509 364 5,544 SH   SOLE   0 0 5,544
Travelers Companies Inc COM 89417e109 353 2,087 SH   SOLE   68 0 2,019
Union Pacific Corp COM 907818108 1,020 4,781 SH   SOLE   2,336 0 2,445
United Rentals Inc COM 911363109 935 3,851 SH   SOLE   2,070 0 1,781
UnitedHealth Group Inc COM 91324p102 5,653 11,006 SH   SOLE   502 0 10,504
US Bancorp Del COM 902973304 456 9,916 SH   SOLE   2,279 0 7,637
Verizon Communications Inc COM 92343v104 746 14,696 SH   SOLE   174 0 14,522
Visa Inc Cl A COM 92826c839 4,668 23,709 SH   SOLE   4,315 0 19,394
Wal-Mart Inc COM 931142103 2,817 23,168 SH   SOLE   0 0 23,168
Walgreens Boots Alliance Inc COM 931427108 203 5,348 SH   SOLE   190 0 5,158
Watsco Inc COM 942622200 216 904 SH   SOLE   32 0 872
Webster Financial Corp CT COM 947890109 256 6,084 SH   SOLE   0 0 6,084
Zebra Technologies Corp Cl A COM 989207105 511 1,739 SH   SOLE   932 0 807
Zoetis Inc Cl A COM 98978v103 3,763 21,894 SH   SOLE   3,764 0 18,130
Aberdeen Std Gold ETF Tr Physc ETF 00326a104 347 20,050 SH   SOLE   0 0 20,050
Ark ETF Tr Innovation ETF ETF 00214q104 362 9,076 SH   SOLE   0 0 9,076
Grayscale Bitcoin Tr Btc ETF 389637109 393 32,577 SH   SOLE   0 0 32,577
Invesco Exchange-Traded Fund T ETF 46138g870 381 17,169 SH   SOLE   0 0 17,169
Invesco Exchange Traded Fund T ETF 46137v266 573 3,881 SH   SOLE   0 0 3,881
Invesco Exchange Traded Fund T ETF 46137v241 1,453 34,598 SH   SOLE   500 0 34,098
Invesco Exchng Traded Fund Tr ETF 46138g102 975 21,884 SH   SOLE   5,956 0 15,928
Invesco QQQ Ser 1 ETF 46090e103 21,932 78,251 SH   SOLE   0 0 78,251
IShares Core S&P 500 ETF ETF 464287200 642 1,692 SH   SOLE   1,134 0 558
iShares Core S&P Mcp ETF ETF 464287507 841 3,717 SH   SOLE   0 0 3,717
Ishares Gold Tr Ishares New ETF 464285204 1,702 49,602 SH   SOLE   0 0 49,602
iShares Growth Allocat ETF ETF 464289867 741 15,437 SH   SOLE   830 0 14,607
iShares Intl Quality Factor ETF 46434v456 645 20,849 SH   SOLE   1,342 0 19,507
iShares Min Vol USA ETF ETF 46429b697 379 5,397 SH   SOLE   0 0 5,397
iShares MSCI EAFE ETF ETF 464287465 551 8,810 SH   SOLE   2,246 0 6,564
iShares MSCI Emerg Mkt ETF ETF 464287234 3,394 84,629 SH   SOLE   16,932 0 67,697
iShares NASDAQ Biotech ETF 464287556 3,013 25,615 SH   SOLE   0 0 25,615
iShares Rus 2000 Growth ETF ETF 464287648 230 1,117 SH   SOLE   0 0 1,117
iShares Rus Mid Cap ETF ETF 464287499 449 6,948 SH   SOLE   0 0 6,948
iShares Russell 1000 Growth ET ETF 464287614 11,026 50,418 SH   SOLE   16,453 0 33,965
iShares Russell 1000 Val ETF ETF 464287598 3,900 26,900 SH   SOLE   15,702 0 11,198
iShares S&P Mc 400Gr ETF ETF 464287606 687 10,786 SH   SOLE   285 0 10,501
iShares S&P Smallcap ETF ETF 464287804 364 3,939 SH   SOLE   0 0 3,939
iShares US Real Estate ETF ETF 464287739 1,155 12,555 SH   SOLE   4,284 0 8,271
iShares USA Quality Fctr ETF 46432f339 6,025 53,926 SH   SOLE   25,476 0 28,450
JPMorgan Equity Premium Income ETF 46641q332 3,695 66,640 SH   SOLE   1,997 0 64,643
Lattice Strategies Tr Hartford ETF 518416102 4,720 189,634 SH   SOLE   39,112 0 150,522
ProShares S&P 500 Dv Arist ETF 74348a467 566 6,631 SH   SOLE   0 0 6,631
Select Sector SPDR Financial ETF 81369y605 239 7,606 SH   SOLE   0 0 7,606
SPDR Gold Trust Gold ETF 78463v107 954 5,664 SH   SOLE   300 0 5,364
Spdr NYSE TECH ETF ETF 78464a102 348 3,372 SH   SOLE   417 0 2,955
SPDR Portfolio Devlpd ETF 78463x889 729 25,287 SH   SOLE   22,963 0 2,324
SPDR Portfolio Emg MK ETF 78463x509 781 22,463 SH   SOLE   8,916 0 13,547
SPDR Portfolio Tl Stock ETF 78464a805 444 9,552 SH   SOLE   8,385 0 1,167
SPDR S&P 500 ETF Tr ETF 78462f103 45,619 120,925 SH   SOLE   0 0 120,925
SPDR S&P Dividend ETF ETF 78464a763 659 5,550 SH   SOLE   600 0 4,950
SPDR S&P Mid Cap 400 ETF ETF 78467y107 8,758 21,180 SH   SOLE   0 0 21,180
SSGA SPDR ETFS Europe I PLC UC ETF g8t03h146 377 1,000 SH   SOLE   0 0 1,000
Starboard Inv Tr ADAPTIVE ALPH ETF 85521b742 237 11,762 SH   SOLE   664 0 11,098
Technology Select Sector SPDR ETF 81369y803 246 1,939 SH   SOLE   0 0 1,939
Vaneck ETF BDC Income ETF 92189f411 1,576 104,400 SH   SOLE   0 0 104,400
Vaneck ETF Gold Miners ETF 92189f106 274 10,004 SH   SOLE   0 0 10,004
Vanguard FTSE Emerg Mkt ETF ETF 922042858 1,748 41,961 SH   SOLE   0 0 41,961
Vanguard Health Care ETF ETF 92204a504 2,155 9,150 SH   SOLE   0 0 9,150
Vanguard High Div Yield ETF 921946406 14,998 147,470 SH   SOLE   26,214 0 121,256
Vanguard Index Funds EXTEND MK ETF 922908652 971 7,404 SH   SOLE   2,664 0 4,740
Vanguard S&P 500 ETF ETF 922908363 449 1,293 SH   SOLE   0 0 1,293
Vanguard Small Cap Val ETF ETF 922908611 2,634 17,579 SH   SOLE   14,331 0 3,248
Vanguard Total Stock Mkt ETF 922908769 447 2,369 SH   SOLE   0 0 2,369
Vanguard Value ETF ETF 922908744 17,059 129,352 SH   SOLE   1,366 0 127,986
Fidelity Total Bond ETF ETF 316188309 2,110 45,355 SH   SOLE   16,383 0 28,972
iShares 20 Yr Tr Bond ETF ETF 464287432 762 6,630 SH   SOLE   2,022 0 4,608
iShares Core US Aggbd Et ETF 464287226 1,175 11,560 SH   SOLE   90 0 11,470
iShares GNMA Bond ETF ETF 46429b333 434 9,522 SH   SOLE   986 0 8,536
iShares Ibonds Dec2022 ETF 46435g755 557 21,510 SH   SOLE   0 0 21,510
iShares iBoxx Inv Cp ETF ETF 464287242 348 3,165 SH   SOLE   0 0 3,165
iShares Interm Term Tr Crp ETF ETF 464288638 436 8,540 SH   SOLE   0 0 8,540
iShares Sh Tr Crport ETF ETF 464288646 414 8,198 SH   SOLE   0 0 8,198
JPMorgan Exchange Traded Fund ETF 46641q837 1,002 20,000 SH   SOLE   0 0 20,000
Quadratic Int Rate Vol & Infl ETF 500767736 453 17,886 SH   SOLE   16,793 0 1,093
SPDR Portfolio Agrgte ETF 78464a649 1,201 45,560 SH   SOLE   16,490 0 29,070
SPDR Portfolio Interm ETF 78464a375 266 8,164 SH   SOLE   8,164 0 0
Vanguard Total Bond Mkt ETF 921937835 881 11,701 SH   SOLE   6,302 0 5,399