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 977 4,149 SH   SOLE   30 0 4,119
ABBVIE INC COM 00287Y109 1,160 11,991 SH   SOLE   350 0 11,641
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 216 1,409 SH   SOLE   837 0 572
ADOBE SYS INC COM 00724F101 307 1,753 SH   SOLE   0 0 1,753
AETNA INC NEW COM 00817Y108 200 1,110 SH   SOLE   130 0 980
AFLAC INC COM 001055102 593 6,751 SH   SOLE   181 0 6,570
AIR PRODS & CHEMS INC COM 009158106 275 1,676 SH   SOLE   230 0 1,446
ALPHABET INC CAP STK CL C 02079K107 321 307 SH   SOLE   29 0 278
ALPHABET INC CAP STK CL A 02079K305 1,991 1,890 SH   SOLE   48 0 1,842
ALTRIA GROUP INC COM 02209S103 710 9,944 SH   SOLE   350 0 9,594
AMAZON COM INC COM 023135106 3,435 2,937 SH   SOLE   20 0 2,917
AMERICAN EXPRESS CO COM 025816109 470 4,737 SH   SOLE   1,701 0 3,036
AMERICAN WTR WKS CO INC NEW COM 030420103 317 3,464 SH   SOLE   190 0 3,274
AMGEN INC COM 031162100 241 1,386 SH   SOLE   35 0 1,351
ANTHEM INC COM 036752103 360 1,598 SH   SOLE   0 0 1,598
APPLE HOSPITALITY REIT INC COM NEW 03784Y200 218 11,130 SH   SOLE   0 0 11,130
APPLE INC COM 037833100 4,848 28,649 SH   SOLE   863 0 27,786
APPLIED MATLS INC COM 038222105 449 8,784 SH   SOLE   0 0 8,784
AT&T INC COM 00206R102 720 18,508 SH   SOLE   3,103 0 15,405
AUTOMATIC DATA PROCESSING IN COM 053015103 363 3,096 SH   SOLE   509 0 2,587
BALL CORP COM 058498106 226 5,964 SH   SOLE   0 0 5,964
BANK AMER CORP COM 060505104 336 11,384 SH   SOLE   891 0 10,493
BB&T CORP COM 054937107 396 7,959 SH   SOLE   0 0 7,959
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,365 6,885 SH   SOLE   0 0 6,885
BOEING CO COM 097023105 387 1,311 SH   SOLE   0 0 1,311
BRISTOL MYERS SQUIBB CO COM 110122108 232 3,789 SH   SOLE   2,089 0 1,700
BUCKEYE PARTNERS L P UNIT LTD PARTN 118230101 212 4,277 SH   SOLE   267 0 4,010
CAPITAL ONE FINL CORP COM 14040H105 547 5,490 SH   SOLE   0 0 5,490
CATERPILLAR INC DEL COM 149123101 448 2,845 SH   SOLE   0 0 2,845
CELGENE CORP COM 151020104 462 4,423 SH   SOLE   129 0 4,294
CHEVRON CORP NEW COM 166764100 546 4,362 SH   SOLE   380 0 3,982
CHUBB LIMITED COM H1467J104 235 1,610 SH   SOLE   0 0 1,610
CISCO SYS INC COM 17275R102 706 18,428 SH   SOLE   483 0 17,945
CITIGROUP INC COM NEW 172967424 373 5,010 SH   SOLE   0 0 5,010
CLOROX CO DEL COM 189054109 274 1,840 SH   SOLE   90 0 1,750
COCA COLA CO COM 191216100 402 8,768 SH   SOLE   819 0 7,949
COLGATE PALMOLIVE CO COM 194162103 217 2,870 SH   SOLE   760 0 2,110
COMCAST CORP NEW CL A 20030N101 703 17,565 SH   SOLE   1,120 0 16,445
COSTCO WHSL CORP NEW COM 22160K105 367 1,973 SH   SOLE   0 0 1,973
CUMMINS INC COM 231021106 434 2,458 SH   SOLE   0 0 2,458
D R HORTON INC COM 23331A109 338 6,621 SH   SOLE   595 0 6,026
DANAHER CORP DEL COM 235851102 1,195 12,874 SH   SOLE   0 0 12,874
DISCOVER FINL SVCS COM 254709108 379 4,925 SH   SOLE   0 0 4,925
DISNEY WALT CO COM DISNEY 254687106 275 2,558 SH   SOLE   123 0 2,435
DOLLAR TREE INC COM 256746108 460 4,290 SH   SOLE   0 0 4,290
DOMINION ENERGY INC COM 25746U109 514 6,344 SH   SOLE   0 0 6,344
DOWDUPONT INC COM 26078J100 634 8,898 SH   SOLE   0 0 8,898
DREYFUS HIGH YIELD STRATEGIE SH BEN INT 26200S101 164 49,220 PRN   SOLE   0 0 49,220
DUKE ENERGY CORP NEW COM NEW 26441C204 762 9,060 SH   SOLE   0 0 9,060
EATON CORP PLC SHS G29183103 377 4,775 SH   SOLE   50 0 4,725
ENTERPRISE PRODS PARTNERS L COM 293792107 809 30,505 SH   SOLE   3,330 0 27,175
EXXON MOBIL CORP COM 30231G102 2,367 28,295 SH   SOLE   2,195 0 26,100
FACEBOOK INC CL A 30303M102 1,119 6,342 SH   SOLE   0 0 6,342
FEDEX CORP COM 31428X106 409 1,640 SH   SOLE   0 0 1,640
FIDELITY NATL INFORMATION SV COM 31620M106 283 3,006 SH   SOLE   916 0 2,090
FLEXSHARES TR QUALT DIVD IDX 33939L860 262 5,820 SH   SOLE   0 0 5,820
FLOWERS FOODS INC COM 343498101 352 18,225 SH   SOLE   0 0 18,225
FORTIVE CORP COM 34959J108 396 5,471 SH   SOLE   0 0 5,471
GENERAL DYNAMICS CORP COM 369550108 202 993 SH   SOLE   0 0 993
GENERAL ELECTRIC CO COM 369604103 1,267 72,634 SH   SOLE   4,710 0 67,924
GENERAL MLS INC COM 370334104 421 7,095 SH   SOLE   0 0 7,095
GENERAL MTRS CO COM 37045V100 972 23,714 SH   SOLE   520 0 23,194
HARTFORD FINL SVCS GROUP INC COM 416515104 312 5,539 SH   SOLE   0 0 5,539
HOME DEPOT INC COM 437076102 1,397 7,370 SH   SOLE   576 0 6,794
HONEYWELL INTL INC COM 438516106 393 2,561 SH   SOLE   0 0 2,561
INTEL CORP COM 458140100 1,182 25,615 SH   SOLE   1,053 0 24,562
INTERNATIONAL BUSINESS MACHS COM 459200101 1,175 7,657 SH   SOLE   33 0 7,624
ISHARES TR SELECT DIVID ETF 464287168 995 10,093 SH   SOLE   363 0 9,730
ISHARES TR CORE S&P500 ETF 464287200 8,962 33,336 SH   SOLE   2,330 0 31,006
ISHARES TR MSCI EAFE ETF 464287465 396 5,632 SH   SOLE   3,395 0 2,237
ISHARES TR CORE S&P MCP ETF 464287507 37,365 196,883 SH   SOLE   9,264 0 187,619
ISHARES TR RUS 1000 VAL ETF 464287598 491 3,945 SH   SOLE   3,165 0 780
ISHARES TR RUSSELL 2000 ETF 464287655 3,035 19,904 SH   SOLE   1,678 0 18,226
ISHARES TR CORE S&P SCP ETF 464287804 8,307 108,146 SH   SOLE   10,357 0 97,789
ISHARES TR 1 3 YR CR BD ETF 464288646 249 2,385 SH   SOLE   0 0 2,385
ISHARES TR S&P US PFD STK 464288687 549 14,420 SH   SOLE   0 0 14,420
ISHARES TR MICRO-CAP ETF 464288869 322 3,366 SH   SOLE   108 0 3,258
JOHNSON & JOHNSON COM 478160104 1,361 9,740 SH   SOLE   541 0 9,199
JPMORGAN CHASE & CO COM 46625H100 2,237 20,923 SH   SOLE   466 0 20,457
KIMBERLY CLARK CORP COM 494368103 207 1,715 SH   SOLE   0 0 1,715
KROGER CO COM 501044101 278 10,125 SH   SOLE   30 0 10,095
LABORATORY CORP AMER HLDGS COM NEW 50540R409 905 5,676 SH   SOLE   0 0 5,676
LOWES COS INC COM 548661107 272 2,924 SH   SOLE   100 0 2,824
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 508 7,164 SH   SOLE   486 0 6,678
MARRIOTT INTL INC NEW CL A 571903202 698 5,141 SH   SOLE   0 0 5,141
MCCORMICK & CO INC COM VTG 579780107 1,330 13,232 SH   SOLE   0 0 13,232
MCDONALDS CORP COM 580135101 967 5,618 SH   SOLE   289 0 5,329
MERCK & CO INC COM 58933Y105 702 12,475 SH   SOLE   1,373 0 11,102
MICROCHIP TECHNOLOGY INC COM 595017104 327 3,725 SH   SOLE   0 0 3,725
MICROSOFT CORP COM 594918104 909 10,627 SH   SOLE   1,211 0 9,416
MONDELEZ INTL INC CL A 609207105 291 6,798 SH   SOLE   76 0 6,722
MORGAN STANLEY COM NEW 617446448 272 5,175 SH   SOLE   0 0 5,175
NETFLIX INC COM 64110L106 203 1,055 SH   SOLE   25 0 1,030
NEXTERA ENERGY INC COM 65339F101 1,106 7,080 SH   SOLE   1,187 0 5,893
NORFOLK SOUTHERN CORP COM 655844108 1,321 9,114 SH   SOLE   1,341 0 7,773
NORTHROP GRUMMAN CORP COM 666807102 274 893 SH   SOLE   0 0 893
PEPSICO INC COM 713448108 2,972 24,783 SH   SOLE   30 0 24,753
PFIZER INC COM 717081103 2,370 65,440 SH   SOLE   4,632 0 60,808
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 9,774 96,238 SH   SOLE   3,900 0 92,338
PNC FINL SVCS GROUP INC COM 693475105 659 4,569 SH   SOLE   111 0 4,458
PRICE T ROWE GROUP INC COM 74144T108 239 2,280 SH   SOLE   85 0 2,195
PROCTER AND GAMBLE CO COM 742718109 766 8,332 SH   SOLE   1,851 0 6,481
PROSHARES TR PSHS LC COR PLUS 74347R248 262 3,930 SH   SOLE   0 0 3,930
RAYTHEON CO COM NEW 755111507 205 1,090 SH   SOLE   0 0 1,090
ROCKWELL AUTOMATION INC COM 773903109 219 1,115 SH   SOLE   100 0 1,015
ROPER TECHNOLOGIES INC COM 776696106 208 805 SH   SOLE   0 0 805
SCHLUMBERGER LTD COM 806857108 217 3,224 SH   SOLE   100 0 3,124
SCHWAB CHARLES CORP NEW COM 808513105 284 5,530 SH   SOLE   0 0 5,530
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 60,882 954,555 SH   SOLE   59,384 0 895,171
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,170 16,771 SH   SOLE   2,000 0 14,771
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 520 10,403 SH   SOLE   0 0 10,403
SPDR S&P 500 ETF TR TR UNIT 78462F103 24,634 92,311 SH   SOLE   2,762 0 89,549
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 440 1,274 SH   SOLE   1,274 0 0
STRYKER CORP COM 863667101 202 1,305 SH   SOLE   0 0 1,305
TJX COS INC NEW COM 872540109 270 3,530 SH   SOLE   0 0 3,530
TRAVELERS COMPANIES INC COM 89417E109 674 4,967 SH   SOLE   633 0 4,334
TREX CO INC COM 89531P105 313 2,889 SH   SOLE   0 0 2,889
TRI CONTL CORP COM 895436103 200 7,436 SH   SOLE   6,214 0 1,222
UNION PAC CORP COM 907818108 259 1,933 SH   SOLE   200 0 1,733
UNITED BANKSHARES INC WEST V COM 909907107 525 15,116 SH   SOLE   1,000 0 14,116
UNITED PARCEL SERVICE INC CL B 911312106 242 2,031 SH   SOLE   0 0 2,031
UNITED TECHNOLOGIES CORP COM 913017109 553 4,332 SH   SOLE   0 0 4,332
UNITEDHEALTH GROUP INC COM 91324P102 334 1,514 SH   SOLE   32 0 1,482
US BANCORP DEL COM NEW 902973304 512 9,559 SH   SOLE   732 0 8,827
VALERO ENERGY CORP NEW COM 91913Y100 450 4,900 SH   SOLE   0 0 4,900
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 485 6,128 SH   SOLE   0 0 6,128
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 26,122 106,494 SH   SOLE   5,528 0 100,966
VANGUARD INDEX FDS REIT ETF 922908553 539 6,500 PRN   SOLE   11 0 6,489
VANGUARD INDEX FDS MID CAP ETF 922908629 6,561 42,388 SH   SOLE   3,000 0 39,388
VANGUARD INDEX FDS TOTAL STK MKT 922908769 209 1,524 SH   SOLE   0 0 1,524
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 342 4,311 SH   SOLE   0 0 4,311
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,817 40,497 SH   SOLE   3,260 0 37,237
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,372 16,026 SH   SOLE   1,898 0 14,128
VERIZON COMMUNICATIONS INC COM 92343V104 1,064 20,097 SH   SOLE   751 0 19,346
VISA INC COM CL A 92826C839 858 7,529 SH   SOLE   161 0 7,368
WALGREENS BOOTS ALLIANCE INC COM 931427108 307 4,232 SH   SOLE   2,007 0 2,225
WASHINGTONFIRST BANKSHARES I COM 940730104 1,557 45,461 SH   SOLE   45,461 0 0
WELLS FARGO CO NEW COM 949746101 261 4,310 SH   SOLE   772 0 3,538
WELLTOWER INC COM 95040Q104 291 4,566 SH   SOLE   47 0 4,519
WISDOMTREE TR US SMALLCAP DIVD 97717W604 303 10,440 SH   SOLE   0 0 10,440
YUM BRANDS INC COM 988498101 310 3,796 SH   SOLE   0 0 3,796