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 1,261 5,744 SH   SOLE   30 0 5,714
ABBVIE INC COM 00287Y109 1,523 16,090 SH   SOLE   350 0 15,740
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 216 1,409 SH   SOLE   837 0 572
ADOBE SYS INC COM 00724F101 357 1,653 SH   SOLE   0 0 1,653
AETNA INC NEW COM 00817Y108 204 1,205 SH   SOLE   130 0 1,075
AIR LEASE CORP CL A 00912X302 376 8,815 SH   SOLE   0 0 8,815
ALPHABET INC CAP STK CL C 02079K107 448 434 SH   SOLE   29 0 405
ALPHABET INC CAP STK CL A 02079K305 2,452 2,364 SH   SOLE   48 0 2,316
ALTRIA GROUP INC COM 02209S103 822 13,182 SH   SOLE   350 0 12,832
AMAZON COM INC COM 023135106 5,060 3,496 SH   SOLE   20 0 3,476
AMERICAN EXPRESS CO COM 025816109 353 3,786 SH   SOLE   1,510 0 2,276
AMERICAN WTR WKS CO INC NEW COM 030420103 255 3,105 SH   SOLE   0 0 3,105
AMGEN INC COM 031162100 362 2,121 SH   SOLE   35 0 2,086
ANDEAVOR COM 03349M105 205 2,038 SH   SOLE   0 0 2,038
ANTHEM INC COM 036752103 488 2,223 SH   SOLE   0 0 2,223
APPLE INC COM 037833100 4,329 25,800 SH   SOLE   863 0 24,937
APPLIED MATLS INC COM 038222105 686 12,344 SH   SOLE   0 0 12,344
AT&T INC COM 00206R102 728 20,419 SH   SOLE   3,104 0 17,315
AUTOMATIC DATA PROCESSING IN COM 053015103 300 2,643 SH   SOLE   509 0 2,134
BANK AMER CORP COM 060505104 720 23,999 SH   SOLE   891 0 23,108
BB&T CORP COM 054937107 510 9,799 SH   SOLE   0 0 9,799
BERKSHIRE HATHAWAY INC DEL CL A 084670108 299 100 SH   SOLE   0 0 100
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,103 5,530 SH   SOLE   0 0 5,530
BOEING CO COM 097023105 205 625 SH   SOLE   0 0 625
BORGWARNER INC COM 099724106 413 8,228 SH   SOLE   0 0 8,228
BRISTOL MYERS SQUIBB CO COM 110122108 373 5,890 SH   SOLE   2,090 0 3,800
CAPITAL ONE FINL CORP COM 14040H105 787 8,210 SH   SOLE   0 0 8,210
CATERPILLAR INC DEL COM 149123101 604 4,095 SH   SOLE   0 0 4,095
CELGENE CORP COM 151020104 383 4,288 SH   SOLE   129 0 4,159
CHEVRON CORP NEW COM 166764100 607 5,325 SH   SOLE   381 0 4,944
CHUBB LIMITED COM H1467J104 212 1,547 SH   SOLE   0 0 1,547
CISCO SYS INC COM 17275R102 1,391 32,424 SH   SOLE   484 0 31,940
CITIGROUP INC COM NEW 172967424 456 6,755 SH   SOLE   0 0 6,755
COCA COLA CO COM 191216100 425 9,785 SH   SOLE   819 0 8,966
COLGATE PALMOLIVE CO COM 194162103 206 2,870 SH   SOLE   760 0 2,110
COMCAST CORP NEW CL A 20030N101 732 21,423 SH   SOLE   1,120 0 20,303
COSTCO WHSL CORP NEW COM 22160K105 273 1,447 SH   SOLE   0 0 1,447
CSX CORP COM 126408103 308 5,528 SH   SOLE   0 0 5,528
CUMMINS INC COM 231021106 620 3,823 SH   SOLE   0 0 3,823
D R HORTON INC COM 23331A109 290 6,619 SH   SOLE   595 0 6,024
DANAHER CORP DEL COM 235851102 1,794 18,319 SH   SOLE   0 0 18,319
DISCOVER FINL SVCS COM 254709108 445 6,180 SH   SOLE   0 0 6,180
DISNEY WALT CO COM DISNEY 254687106 212 2,110 SH   SOLE   124 0 1,986
DOLLAR TREE INC COM 256746108 768 8,095 SH   SOLE   0 0 8,095
DOMINION ENERGY INC COM 25746U109 550 8,164 SH   SOLE   0 0 8,164
DOWDUPONT INC COM 26078J100 568 8,921 SH   SOLE   0 0 8,921
DREYFUS HIGH YIELD STRATEGIE SH BEN INT 26200S101 148 46,350 PRN   SOLE   0 0 46,350
DUKE ENERGY CORP NEW COM NEW 26441C204 1,063 13,715 SH   SOLE   0 0 13,715
EATON CORP PLC SHS G29183103 773 9,670 SH   SOLE   50 0 9,620
ENTERPRISE PRODS PARTNERS L COM 293792107 775 31,645 SH   SOLE   3,330 0 28,315
EOG RES INC COM 26875P101 325 3,092 SH   SOLE   0 0 3,092
EXXON MOBIL CORP COM 30231G102 1,789 23,981 SH   SOLE   2,195 0 21,786
FACEBOOK INC CL A 30303M102 1,677 10,497 SH   SOLE   0 0 10,497
FEDEX CORP COM 31428X106 216 900 SH   SOLE   0 0 900
FIDELITY NATL INFORMATION SV COM 31620M106 289 3,006 SH   SOLE   916 0 2,090
FLEXSHARES TR QUALT DIVD IDX 33939L860 233 5,320 SH   SOLE   0 0 5,320
FORTIVE CORP COM 34959J108 575 7,413 SH   SOLE   0 0 7,413
FULTON FINL CORP PA COM 360271100 379 21,338 SH   SOLE   0 0 21,338
GENERAL DYNAMICS CORP COM 369550108 219 993 SH   SOLE   0 0 993
GENERAL ELECTRIC CO COM 369604103 842 62,443 SH   SOLE   4,710 0 57,733
GENERAL MLS INC COM 370334104 251 5,565 SH   SOLE   0 0 5,565
GENERAL MTRS CO COM 37045V100 852 23,454 SH   SOLE   520 0 22,934
HOME DEPOT INC COM 437076102 1,747 9,802 SH   SOLE   576 0 9,226
HONEYWELL INTL INC COM 438516106 227 1,570 SH   SOLE   0 0 1,570
INTEL CORP COM 458140100 1,570 30,143 SH   SOLE   1,054 0 29,089
INTERNATIONAL BUSINESS MACHS COM 459200101 1,208 7,870 SH   SOLE   33 0 7,837
ISHARES TR SELECT DIVID ETF 464287168 961 10,099 SH   SOLE   366 0 9,733
ISHARES TR CORE S&P500 ETF 464287200 11,202 42,211 SH   SOLE   2,330 0 39,881
ISHARES TR MSCI EAFE ETF 464287465 395 5,662 SH   SOLE   3,395 0 2,267
ISHARES TR CORE S&P MCP ETF 464287507 40,247 214,572 SH   SOLE   9,714 0 204,858
ISHARES TR RUS 1000 VAL ETF 464287598 473 3,945 SH   SOLE   3,165 0 780
ISHARES TR RUSSELL 2000 ETF 464287655 2,968 19,549 SH   SOLE   1,678 0 17,871
ISHARES TR CORE S&P SCP ETF 464287804 10,651 138,313 SH   SOLE   10,682 0 127,631
ISHARES TR 1 3 YR CR BD ETF 464288646 248 2,385 SH   SOLE   0 0 2,385
ISHARES TR S&P US PFD STK 464288687 556 14,800 SH   SOLE   0 0 14,800
ISHARES TR MICRO-CAP ETF 464288869 323 3,366 SH   SOLE   108 0 3,258
JOHNSON & JOHNSON COM 478160104 1,510 11,783 SH   SOLE   541 0 11,242
JPMORGAN CHASE & CO COM 46625H100 2,375 21,599 SH   SOLE   467 0 21,132
LABORATORY CORP AMER HLDGS COM NEW 50540R409 718 4,439 SH   SOLE   0 0 4,439
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 249 4,264 SH   SOLE   486 0 3,778
MARRIOTT INTL INC NEW CL A 571903202 379 2,790 SH   SOLE   0 0 2,790
MCCORMICK & CO INC COM VTG 579780107 1,192 11,232 SH   SOLE   0 0 11,232
MCDONALDS CORP COM 580135101 949 6,071 SH   SOLE   289 0 5,782
MERCK & CO INC COM 58933Y105 1,052 19,310 SH   SOLE   1,373 0 17,937
MICROCHIP TECHNOLOGY INC COM 595017104 911 9,970 SH   SOLE   0 0 9,970
MICROSOFT CORP COM 594918104 1,378 15,102 SH   SOLE   1,211 0 13,891
MONDELEZ INTL INC CL A 609207105 440 10,548 SH   SOLE   76 0 10,472
MORGAN STANLEY COM NEW 617446448 279 5,175 SH   SOLE   0 0 5,175
NETFLIX INC COM 64110L106 629 2,130 SH   SOLE   25 0 2,105
NEXTERA ENERGY INC COM 65339F101 887 5,428 SH   SOLE   900 0 4,528
NORFOLK SOUTHERN CORP COM 655844108 1,163 8,569 SH   SOLE   1,341 0 7,228
NUCOR CORP COM 670346105 234 3,835 SH   SOLE   0 0 3,835
PEPSICO INC COM 713448108 2,811 25,749 SH   SOLE   30 0 25,719
PFIZER INC COM 717081103 2,326 65,545 SH   SOLE   4,632 0 60,913
PHILIP MORRIS INTL INC COM 718172109 234 2,350 SH   SOLE   250 0 2,100
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 11,728 115,493 SH   SOLE   4,405 0 111,088
PNC FINL SVCS GROUP INC COM 693475105 427 2,826 SH   SOLE   111 0 2,715
PRICE T ROWE GROUP INC COM 74144T108 246 2,280 SH   SOLE   85 0 2,195
PROCTER AND GAMBLE CO COM 742718109 605 7,634 SH   SOLE   1,682 0 5,952
PROSHARES TR PSHS LC COR PLUS 74347R248 255 3,830 SH   SOLE   0 0 3,830
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 431 6,760 SH   SOLE   0 0 6,760
SANDY SPRING BANCORP INC COM 800363103 1,535 39,608 SH   SOLE   39,608 0 0
SCHWAB CHARLES CORP NEW COM 808513105 346 6,630 SH   SOLE   0 0 6,630
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 61,432 973,874 SH   SOLE   57,614 0 916,260
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,715 24,805 SH   SOLE   2,000 0 22,805
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 375 7,532 SH   SOLE   0 0 7,532
SPDR S&P 500 ETF TR TR UNIT 78462F103 23,709 90,098 SH   SOLE   2,762 0 87,336
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 435 1,274 SH   SOLE   1,274 0 0
STRYKER CORP COM 863667101 465 2,890 SH   SOLE   0 0 2,890
TJX COS INC NEW COM 872540109 281 3,440 SH   SOLE   0 0 3,440
TOWNEBANK PORTSMOUTH VA COM 89214P109 231 8,060 SH   SOLE   0 0 8,060
TRAVELERS COMPANIES INC COM 89417E109 809 5,827 SH   SOLE   633 0 5,194
TREX CO INC COM 89531P105 314 2,889 SH   SOLE   0 0 2,889
UNITED BANKSHARES INC WEST V COM 909907107 471 13,366 SH   SOLE   1,000 0 12,366
UNITED TECHNOLOGIES CORP COM 913017109 677 5,381 SH   SOLE   0 0 5,381
US BANCORP DEL COM NEW 902973304 611 12,106 SH   SOLE   732 0 11,374
VALERO ENERGY CORP NEW COM 91913Y100 1,074 11,580 SH   SOLE   0 0 11,580
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 478 6,097 SH   SOLE   0 0 6,097
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 27,538 113,757 SH   SOLE   5,528 0 108,229
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 213 2,827 PRN   SOLE   0 0 2,827
VANGUARD INDEX FDS MID CAP ETF 922908629 6,445 41,793 SH   SOLE   3,000 0 38,793
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 599 12,758 SH   SOLE   1,200 0 11,558
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 354 4,511 SH   SOLE   0 0 4,511
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,316 74,946 SH   SOLE   4,530 0 70,416
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 287 3,485 SH   SOLE   1,898 0 1,587
VERIZON COMMUNICATIONS INC COM 92343V104 942 19,694 SH   SOLE   751 0 18,943
VISA INC COM CL A 92826C839 1,236 10,331 SH   SOLE   161 0 10,170
WALGREENS BOOTS ALLIANCE INC COM 931427108 277 4,232 SH   SOLE   2,007 0 2,225
WELLS FARGO CO NEW COM 949746101 352 6,721 SH   SOLE   137 0 6,584
WESTERN DIGITAL CORP COM 958102105 413 4,475 SH   SOLE   0 0 4,475
WISDOMTREE TR US SMALLCAP DIVD 97717W604 272 9,920 SH   SOLE   0 0 9,920
YUM BRANDS INC COM 988498101 459 5,396 SH   SOLE   0 0 5,396
YUM CHINA HLDGS INC COM 98850P109 216 5,216 SH   SOLE   0 0 5,216