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
3M Co COM 88579y101 409 3,702 SH   SOLE   57 0 3,645
Abbott Laboratories COM 002824100 1,005 10,389 SH   SOLE   2,092 0 8,297
AbbVie Inc COM 00287y109 3,063 22,820 SH   SOLE   3,486 0 19,334
Adobe Inc COM 00724f101 1,029 3,740 SH   SOLE   1,618 0 2,122
Aflac Inc COM 001055102 315 5,600 SH   SOLE   5,400 0 200
Air Prods & Chems Inc COM 009158106 1,077 4,628 SH   SOLE   2,648 0 1,980
Alnylam Pharmaceuticals Inc CO COM 02043q107 220 1,100 SH   SOLE   0 0 1,100
Alphabet Inc Cap Stock Cl A COM 02079k305 9,015 94,250 SH   SOLE   8,740 0 85,510
Alphabet Inc Cap Stock Cl C COM 02079k107 6,367 66,222 SH   SOLE   3,480 0 62,742
Amazon.com Inc COM 023135106 5,552 49,136 SH   SOLE   6,940 0 42,196
American States Water Co COM 029899101 234 3,000 SH   SOLE   0 0 3,000
Amgen Inc COM 031162100 1,617 7,172 SH   SOLE   0 0 7,172
Amphenol Corp Cl A COM 032095101 6,240 93,194 SH   SOLE   0 0 93,194
Apple Inc. COM 037833100 24,223 175,275 SH   SOLE   18,616 0 156,658
Ares Capital Corp COM 04010l103 3,731 221,003 SH   SOLE   0 0 221,003
AT&T Inc COM 00206r102 499 32,559 SH   SOLE   472 0 32,087
Automatic Data Processing Inc COM 053015103 1,524 6,737 SH   SOLE   34 0 6,703
Bank America Corp COM 060505104 655 21,690 SH   SOLE   66 0 21,624
Becton Dickinson & Co COM 075887109 387 1,738 SH   SOLE   363 0 1,375
Berkshire Hathaway Inc Cl B COM 084670702 1,559 5,840 SH   SOLE   2,217 0 3,623
Berkshire Hills Bancorp Inc COM 084680107 310 11,370 SH   SOLE   0 0 11,370
BlackRock Inc COM 09247x101 2,715 4,933 SH   SOLE   938 0 3,995
Blackstone Inc COM 09260d107 276 3,300 SH   SOLE   0 0 3,300
Blue Foundry Bancorp COM COM 09549b104 226 20,225 SH   SOLE   0 0 20,225
Boeing Co COM 097023105 330 2,729 SH   SOLE   0 0 2,729
Bristol-Myers Squibb Co COM 110122108 854 12,009 SH   SOLE   90 0 11,919
Broadcom Inc COM 11135f101 447 1,007 SH   SOLE   127 0 880
Carrier Global Corporation COM 14448c104 262 7,378 SH   SOLE   0 0 7,378
Caterpillar Inc COM 149123101 996 6,069 SH   SOLE   2,801 0 3,268
Chevron Corp COM 166764100 3,711 25,832 SH   SOLE   5,814 0 20,018
Chubb Limited COM h1467j104 355 1,950 SH   SOLE   56 0 1,894
Cisco Systems Inc COM 17275r102 253 6,315 SH   SOLE   0 0 6,315
CME Group Inc Cl A COM 12572q105 602 3,398 SH   SOLE   50 0 3,348
Cna Financial Corp COM COM 126117100 285 7,737 SH   SOLE   249 0 7,488
Coherent Corp COM COM 19247g107 1,206 34,611 SH   SOLE   500 0 34,111
Comcast Corp Cl A COM 20030n101 293 9,995 SH   SOLE   0 0 9,995
ConocoPhillips COM 20825c104 743 7,258 SH   SOLE   80 0 7,178
Consolidated Edison Inc COM 209115104 208 2,420 SH   SOLE   83 0 2,337
Costco Wholesale Corp COM 22160k105 5,156 10,917 SH   SOLE   1,972 0 8,945
Crowdstrike Holdings Inc Cl A COM 22788c105 2,238 13,582 SH   SOLE   50 0 13,532
CSX Corp COM 126408103 522 19,605 SH   SOLE   0 0 19,605
Danaher Corp COM 235851102 2,501 9,682 SH   SOLE   0 0 9,682
Datadog Inc Cl A COM 23804l103 1,748 19,690 SH   SOLE   0 0 19,690
Deere & Co COM 244199105 298 892 SH   SOLE   0 0 892
Disney Walt Co Disney COM 254687106 2,611 27,675 SH   SOLE   5,049 0 22,626
Eastern Bankshares Inc COM COM 27627n105 1,158 58,936 SH   SOLE   0 0 58,936
Ecolab Inc COM 278865100 324 2,240 SH   SOLE   0 0 2,240
Enbridge Inc COM 29250n105 302 8,129 SH   SOLE   172 0 7,957
Exxon Mobil Corp COM 30231g102 851 9,748 SH   SOLE   4,375 0 5,373
Facebook Inc Cl A COM 30303m102 278 2,047 SH   SOLE   43 0 2,004
FedEx Corp COM 31428x106 1,665 11,215 SH   SOLE   0 0 11,215
Flow Beverage Corp COM SUB VTG COM 34344j102 3 12,325 SH   SOLE   0 0 12,325
General Mills Inc COM 370334104 352 4,599 SH   SOLE   129 0 4,470
Gilead Sciences Inc COM 375558103 500 8,108 SH   SOLE   191 0 7,917
Goldman Sachs Group Inc COM 38141g104 1,175 4,009 SH   SOLE   1,851 0 2,158
Hershey Co COM 427866108 2,936 13,315 SH   SOLE   0 0 13,315
Home Depot Inc COM 437076102 3,823 13,854 SH   SOLE   1,062 0 12,792
Illinois Tool Works Inc COM 452308109 216 1,194 SH   SOLE   42 0 1,152
International Business Machs C COM 459200101 267 2,251 SH   SOLE   55 0 2,196
Johnson & Johnson COM 478160104 4,134 25,308 SH   SOLE   67 0 25,241
JPMorgan Chase & Co COM 46625h100 1,264 12,097 SH   SOLE   2,061 0 10,036
KeyCorp COM 493267108 2,091 130,521 SH   SOLE   0 0 130,521
Kimberly Clark Corp COM 494368103 245 2,179 SH   SOLE   66 0 2,113
Lilly Eli & Co COM 532457108 849 2,627 SH   SOLE   1,029 0 1,598
Lockheed Martin Corp COM 539830109 493 1,277 SH   SOLE   22 0 1,255
Lululemon Athletica Inc COM 550021109 1,298 4,642 SH   SOLE   2,071 0 2,571
M & T Bank Corp COM 55261f104 2,760 15,655 SH   SOLE   0 0 15,655
Marathon Oil Corp COM 565849106 957 42,375 SH   SOLE   0 0 42,375
MasterCard Incorporated Cl A COM 57636q104 924 3,250 SH   SOLE   0 0 3,250
Matinas Biopharma Holdings Inc COM 576810105 6 10,000 SH   SOLE   0 0 10,000
McDonalds Corp COM 580135101 1,332 5,775 SH   SOLE   335 0 5,440
Medtronic PLC COM g5960l103 536 6,642 SH   SOLE   4,750 0 1,892
Merck & Co Inc COM 58933y105 3,122 36,250 SH   SOLE   9,057 0 27,193
Microsoft Corp COM 594918104 4,587 19,697 SH   SOLE   4,676 0 15,021
Morgan Stanley COM 617446448 270 3,423 SH   SOLE   0 0 3,423
Nestle S A COM 641069406 347 3,222 SH   SOLE   0 0 3,222
Nextera Energy Inc COM 65339f101 1,018 12,984 SH   SOLE   840 0 12,144
Nike Inc Cl B COM 654106103 220 2,648 SH   SOLE   323 0 2,325
Northrop Grumman Corp COM 666807102 1,346 2,862 SH   SOLE   1,531 0 1,331
NVIDIA Corp COM 67066g104 1,205 9,927 SH   SOLE   2,887 0 7,040
Occidental Petroleum Corp COM 674599105 1,740 28,310 SH   SOLE   0 0 28,310
OPKO Health Inc COM 68375n103 30 15,770 SH   SOLE   0 0 15,770
Oracle Corp COM 68389x105 275 4,508 SH   SOLE   904 0 3,604
Otis Worldwide Corp COM 68902v107 235 3,689 SH   SOLE   0 0 3,689
Palantir Technologies Inc Cl A COM 69608a108 330 40,536 SH   SOLE   0 0 40,536
Palo Alto Networks Inc COM 697435105 278 1,695 SH   SOLE   600 0 1,095
Paypal Holdings Inc COM 70450y103 1,187 13,796 SH   SOLE   0 0 13,796
PepsiCo Inc COM 713448108 11,671 71,486 SH   SOLE   3,810 0 67,676
Pfizer Inc COM 717081103 505 11,544 SH   SOLE   2,924 0 8,620
Pioneer Natural Resources Co COM 723787107 318 1,470 SH   SOLE   392 0 1,078
Plug Power Inc COM 72919p202 611 29,076 SH   SOLE   0 0 29,076
PPL Corp COM 69351t106 254 10,019 SH   SOLE   7,519 0 2,500
Procter And Gamble Co COM 742718109 1,464 11,599 SH   SOLE   5,496 0 6,103
Qualcomm Inc COM 747525103 279 2,472 SH   SOLE   0 0 2,472
Raytheon Technologies Corp COM 75513e101 1,422 17,374 SH   SOLE   1,549 0 15,825
Renaissancere Holdings Ltd COM COM g7496g103 562 4,000 SH   SOLE   0 0 4,000
ResMed Inc COM 761152107 1,186 5,434 SH   SOLE   2,415 0 3,019
Rightscorp Inc COM 76658a102 3 200,000 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 645 7,936 SH   SOLE   0 0 7,936
Skyx Platforms Corp Com COM 78471e105 1,154 312,829 SH   SOLE   0 0 312,829
Sorrento Therapeutics Inc COM 83587f202 63 40,300 SH   SOLE   0 0 40,300
Starbucks Corp COM 855244109 594 7,045 SH   SOLE   0 0 7,045
Starwood Property Trust Inc COM 85571b105 940 51,605 SH   SOLE   373 0 51,232
Target Corp COM 87612e106 613 4,129 SH   SOLE   275 0 3,854
Tesla Inc COM 88160r101 1,677 6,321 SH   SOLE   0 0 6,321
Texas Instruments Inc COM 882508104 411 2,656 SH   SOLE   17 0 2,639
Thermo Fisher Scientific Inc COM 883556102 1,353 2,668 SH   SOLE   1,129 0 1,539
TJX Cos Inc COM 872540109 3,026 48,713 SH   SOLE   10,233 0 38,480
Toronto Dominion Bank Ont COM COM 891160509 352 5,744 SH   SOLE   0 0 5,744
Travelers Companies Inc COM 89417e109 329 2,148 SH   SOLE   68 0 2,080
Union Pacific Corp COM 907818108 1,063 5,456 SH   SOLE   2,353 0 3,103
United Rentals Inc COM 911363109 1,065 3,941 SH   SOLE   2,050 0 1,891
UnitedHealth Group Inc COM 91324p102 5,684 11,255 SH   SOLE   493 0 10,762
US Bancorp Del COM 902973304 411 10,196 SH   SOLE   2,279 0 7,917
Verizon Communications Inc COM 92343v104 449 11,834 SH   SOLE   174 0 11,660
Visa Inc Cl A COM 92826c839 4,348 24,474 SH   SOLE   4,276 0 20,198
Wal-Mart Inc COM 931142103 3,088 23,810 SH   SOLE   0 0 23,810
Waste Management Inc COM 94106l109 339 2,116 SH   SOLE   0 0 2,116
Watsco Inc COM 942622200 241 937 SH   SOLE   32 0 905
Zebra Technologies Corp Cl A COM 989207105 494 1,885 SH   SOLE   960 0 925
Zoetis Inc Cl A COM 98978v103 3,053 20,590 SH   SOLE   3,741 0 16,849
Aberdeen Std Gold ETF Tr Physc ETF 00326a104 319 20,050 SH   SOLE   0 0 20,050
Ark ETF Tr Innovation ETF ETF 00214q104 340 9,001 SH   SOLE   0 0 9,001
Grayscale Bitcoin Tr Btc ETF 389637109 372 32,577 SH   SOLE   0 0 32,577
Invesco Exchange-Traded Fund T ETF 46138g870 376 17,169 SH   SOLE   0 0 17,169
Invesco Exchange Traded Fund T ETF 46137v266 550 3,802 SH   SOLE   0 0 3,802
Invesco Exchange Traded Fund T ETF 46137v241 1,308 32,914 SH   SOLE   0 0 32,914
Invesco Exchng Traded Fund Tr ETF 46138g102 868 21,391 SH   SOLE   5,986 0 15,405
Invesco QQQ Ser 1 ETF 46090e103 20,922 78,285 SH   SOLE   0 0 78,285
IShares Core S&P 500 ETF ETF 464287200 627 1,748 SH   SOLE   1,170 0 578
iShares Core S&P Mcp ETF ETF 464287507 785 3,578 SH   SOLE   0 0 3,578
Ishares Gold Tr Ishares New ETF 464285204 1,297 41,121 SH   SOLE   0 0 41,121
iShares Growth Allocat ETF ETF 464289867 660 14,733 SH   SOLE   830 0 13,903
iShares Intl Quality Factor ETF 46434v456 1,093 39,339 SH   SOLE   1,342 0 37,997
iShares Min Vol USA ETF ETF 46429b697 357 5,402 SH   SOLE   0 0 5,402
iShares MSCI EAFE ETF ETF 464287465 690 12,312 SH   SOLE   1,456 0 10,856
iShares MSCI Emerg Mkt ETF ETF 464287234 2,999 85,977 SH   SOLE   11,279 0 74,698
iShares NASDAQ Biotech ETF 464287556 2,990 25,565 SH   SOLE   0 0 25,565
iShares Rus 2000 Growth ETF ETF 464287648 231 1,117 SH   SOLE   0 0 1,117
iShares Rus Mid Cap ETF ETF 464287499 530 8,524 SH   SOLE   0 0 8,524
iShares Russell 1000 Growth ET ETF 464287614 11,048 52,510 SH   SOLE   17,210 0 35,300
iShares Russell 1000 Val ETF ETF 464287598 3,813 28,039 SH   SOLE   16,695 0 11,344
iShares S&P Mc 400Gr ETF ETF 464287606 684 10,858 SH   SOLE   285 0 10,573
iShares S&P Smallcap ETF ETF 464287804 444 5,096 SH   SOLE   0 0 5,096
iShares US Real Estate ETF ETF 464287739 873 10,727 SH   SOLE   2,796 0 7,931
iShares USA Quality Fctr ETF 46432f339 6,279 60,411 SH   SOLE   23,416 0 36,995
JPMorgan Equity Premium Income ETF 46641q332 3,818 74,527 SH   SOLE   1,997 0 72,530
Lattice Strategies Tr Hartford ETF 518416102 2,242 103,139 SH   SOLE   26,487 0 76,652
ProShares S&P 500 Dv Arist ETF 74348a467 530 6,633 SH   SOLE   0 0 6,633
ProShares Short S&P 500 Ne ETF 74347b425 8,227 476,120 SH   SOLE   0 0 476,120
Select Sector SPDR Financial ETF 81369y605 231 7,606 SH   SOLE   0 0 7,606
SPDR Gold Trust Gold ETF 78463v107 876 5,664 SH   SOLE   300 0 5,364
Spdr NYSE TECH ETF ETF 78464a102 278 2,954 SH   SOLE   417 0 2,537
SPDR Portfolio Devlpd ETF 78463x889 354 13,728 SH   SOLE   12,456 0 1,272
SPDR Portfolio Emg MK ETF 78463x509 531 17,120 SH   SOLE   4,160 0 12,960
SPDR Portfolio Tl Stock ETF 78464a805 427 9,676 SH   SOLE   8,635 0 1,041
SPDR S&P 500 ETF Tr ETF 78462f103 43,003 120,395 SH   SOLE   0 0 120,395
SPDR S&P Dividend ETF ETF 78464a763 1,366 12,250 SH   SOLE   1,700 0 10,550
SPDR S&P Mid Cap 400 ETF ETF 78467y107 8,507 21,180 SH   SOLE   0 0 21,180
SSGA SPDR ETFS Europe I PLC UC ETF g8t03h146 369 1,000 SH   SOLE   0 0 1,000
Starboard Inv Tr ADAPTIVE ALPH ETF 85521b742 223 11,615 SH   SOLE   664 0 10,951
Technology Select Sector SPDR ETF 81369y803 230 1,939 SH   SOLE   0 0 1,939
Vaneck ETF BDC Income ETF 92189f411 1,417 104,400 SH   SOLE   0 0 104,400
Vaneck ETF Gold Miners ETF 92189f106 228 9,473 SH   SOLE   0 0 9,473
Vanguard FTSE Emerg Mkt ETF ETF 922042858 1,532 41,986 SH   SOLE   0 0 41,986
Vanguard Health Care ETF ETF 92204a504 1,677 7,499 SH   SOLE   0 0 7,499
Vanguard High Div Yield ETF 921946406 13,741 144,825 SH   SOLE   27,201 0 117,624
Vanguard Index Funds EXTEND MK ETF 922908652 1,283 10,096 SH   SOLE   3,081 0 7,015
Vanguard S&P 500 ETF ETF 922908363 426 1,298 SH   SOLE   0 0 1,298
Vanguard Small Cap Val ETF ETF 922908611 2,487 17,346 SH   SOLE   14,193 0 3,153
Vanguard Total Stock Mkt ETF 922908769 425 2,369 SH   SOLE   0 0 2,369
Vanguard Value ETF ETF 922908744 15,481 125,373 SH   SOLE   1,506 0 123,867
Fidelity Total Bond ETF ETF 316188309 1,677 37,736 SH   SOLE   9,405 0 28,331
iShares 20 Yr Tr Bond ETF ETF 464287432 1,536 14,997 SH   SOLE   3,849 0 11,148
iShares Core US Aggbd Et ETF 464287226 1,441 14,960 SH   SOLE   90 0 14,870
iShares GNMA Bond ETF ETF 46429b333 383 8,899 SH   SOLE   491 0 8,408
iShares Ibonds Dec2022 ETF 46435g755 557 21,510 SH   SOLE   0 0 21,510
iShares iBoxx Inv Cp ETF ETF 464287242 324 3,165 SH   SOLE   0 0 3,165
iShares Interm Term Tr Crp ETF ETF 464288638 412 8,540 SH   SOLE   0 0 8,540
iShares Sh Tr Crport ETF ETF 464288646 404 8,198 SH   SOLE   0 0 8,198
JPMorgan Exchange Traded Fund ETF 46641q837 1,010 20,139 SH   SOLE   0 0 20,139
Quadratic Int Rate Vol & Infl ETF 500767736 396 17,886 SH   SOLE   16,793 0 1,093
SPDR Portfolio Agrgte ETF 78464a649 928 37,190 SH   SOLE   9,035 0 28,155
SPDR Portfolio Interm ETF 78464a375 256 8,164 SH   SOLE   8,164 0 0
Vanguard Total Bond Mkt ETF 921937835 1,668 23,387 SH   SOLE   12,769 0 10,618