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 966 4,649 SH   SOLE   30 0 4,619
ABBVIE INC COM 00287Y109 1,122 13,925 SH   SOLE   350 0 13,575
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 370 2,104 SH   SOLE   837 0 1,267
ADOBE INC COM 00724F101 411 1,544 SH   SOLE   0 0 1,544
AIR PRODS & CHEMS INC COM 009158106 281 1,472 SH   SOLE   230 0 1,242
ALPHABET INC CAP STK CL A 02079K305 2,668 2,267 SH   SOLE   32 0 2,235
ALPHABET INC CAP STK CL C 02079K107 502 428 SH   SOLE   49 0 379
ALTRIA GROUP INC COM 02209S103 423 7,373 SH   SOLE   350 0 7,023
AMAZON COM INC COM 023135106 5,504 3,091 SH   SOLE   60 0 3,031
AMERICAN EXPRESS CO COM 025816109 554 5,066 SH   SOLE   1,310 0 3,756
AMERICAN TOWER CORP NEW COM 03027X100 240 1,218 SH   SOLE   0 0 1,218
AMERICAN WTR WKS CO INC NEW COM 030420103 310 2,972 SH   SOLE   0 0 2,972
AMGEN INC COM 031162100 371 1,951 SH   SOLE   35 0 1,916
ANTHEM INC COM 036752103 604 2,103 SH   SOLE   0 0 2,103
APPLE INC COM 037833100 4,631 24,381 SH   SOLE   833 0 23,548
APPLIED MATLS INC COM 038222105 254 6,409 SH   SOLE   0 0 6,409
AT&T INC COM 00206R102 575 18,321 SH   SOLE   3,022 0 15,299
AUTOMATIC DATA PROCESSING IN COM 053015103 480 3,004 SH   SOLE   509 0 2,495
BANK AMER CORP COM 060505104 617 22,370 SH   SOLE   891 0 21,479
BB&T CORP COM 054937107 538 11,556 SH   SOLE   0 0 11,556
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,096 5,457 SH   SOLE   100 0 5,357
BRISTOL MYERS SQUIBB CO COM 110122108 401 8,403 SH   SOLE   2,032 0 6,371
CAPITAL ONE FINL CORP COM 14040H105 531 6,495 SH   SOLE   0 0 6,495
CATERPILLAR INC DEL COM 149123101 456 3,365 SH   SOLE   0 0 3,365
CELGENE CORP COM 151020104 386 4,095 SH   SOLE   0 0 4,095
CHEVRON CORP NEW COM 166764100 590 4,787 SH   SOLE   384 0 4,403
CHUBB LIMITED COM H1467J104 286 2,044 SH   SOLE   0 0 2,044
CISCO SYS INC COM 17275R102 1,274 23,592 SH   SOLE   487 0 23,105
CLOROX CO DEL COM 189054109 219 1,365 SH   SOLE   90 0 1,275
COCA COLA CO COM 191216100 348 7,429 SH   SOLE   819 0 6,610
COMCAST CORP NEW CL A 20030N101 918 22,955 SH   SOLE   1,120 0 21,835
COSTCO WHSL CORP NEW COM 22160K105 338 1,397 SH   SOLE   0 0 1,397
CSX CORP COM 126408103 408 5,453 SH   SOLE   0 0 5,453
CUMMINS INC COM 231021106 600 3,798 SH   SOLE   0 0 3,798
D R HORTON INC COM 23331A109 340 8,211 SH   SOLE   595 0 7,616
DANAHER CORPORATION COM 235851102 2,352 17,816 SH   SOLE   0 0 17,816
DISCOVER FINL SVCS COM 254709108 471 6,625 SH   SOLE   0 0 6,625
DISNEY WALT CO COM DISNEY 254687106 576 5,185 SH   SOLE   0 0 5,185
DOLLAR TREE INC COM 256746108 545 5,190 SH   SOLE   0 0 5,190
DOMINION ENERGY INC COM 25746U109 1,045 13,633 SH   SOLE   0 0 13,633
DOWDUPONT INC COM 26078J100 300 5,619 SH   SOLE   0 0 5,619
DREYFUS HIGH YIELD STRATEGIE SH BEN INT 26200S101 88 28,710 PRN   SOLE   0 0 28,710
DUKE ENERGY CORP NEW COM NEW 26441C204 1,078 11,981 SH   SOLE   0 0 11,981
EATON CORP PLC SHS G29183103 628 7,795 SH   SOLE   50 0 7,745
ECOLAB INC COM 278865100 294 1,664 SH   SOLE   796 0 868
EMERSON ELEC CO COM 291011104 380 5,548 SH   SOLE   0 0 5,548
ENTERPRISE PRODS PARTNERS L COM 293792107 842 28,945 SH   SOLE   3,330 0 25,615
EXXON MOBIL CORP COM 30231G102 1,855 22,960 SH   SOLE   2,195 0 20,765
FACEBOOK INC CL A 30303M102 1,364 8,185 SH   SOLE   60 0 8,125
FIDELITY NATL INFORMATION SV COM 31620M106 256 2,266 SH   SOLE   916 0 1,350
FLEXSHARES TR QUALT DIVD IDX 33939L860 209 4,660 SH   SOLE   0 0 4,660
FORTIVE CORP COM 34959J108 564 6,720 SH   SOLE   0 0 6,720
FULTON FINL CORP PA COM 360271100 336 21,711 SH   SOLE   0 0 21,711
GENERAL DYNAMICS CORP COM 369550108 219 1,293 SH   SOLE   0 0 1,293
GENERAL ELECTRIC CO COM 369604103 500 50,060 SH   SOLE   3,000 0 47,060
GENERAL MLS INC COM 370334104 233 4,500 SH   SOLE   0 0 4,500
GENERAL MTRS CO COM 37045V100 925 24,936 SH   SOLE   520 0 24,416
HOME DEPOT INC COM 437076102 1,720 8,961 SH   SOLE   462 0 8,499
INTEL CORP COM 458140100 1,552 28,896 SH   SOLE   1,060 0 27,836
INTERNATIONAL BUSINESS MACHS COM 459200101 863 6,117 SH   SOLE   33 0 6,084
ISHARES INC CORE MSCI EMKT 46434G103 207 4,008 SH   SOLE   0 0 4,008
ISHARES TR CORE S&P MCP ETF 464287507 38,206 201,721 SH   SOLE   9,442 0 192,279
ISHARES TR CORE S&P SCP ETF 464287804 12,177 157,834 SH   SOLE   10,574 0 147,260
ISHARES TR CORE S&P500 ETF 464287200 12,470 43,822 SH   SOLE   2,516 0 41,306
ISHARES TR MICRO-CAP ETF 464288869 283 3,052 SH   SOLE   109 0 2,943
ISHARES TR MSCI EAFE ETF 464287465 235 3,617 SH   SOLE   669 0 2,948
ISHARES TR RUS 1000 GRW ETF 464287614 268 1,771 SH   SOLE   341 0 1,430
ISHARES TR RUS 1000 VAL ETF 464287598 491 3,972 SH   SOLE   3,165 0 807
ISHARES TR RUSSELL 2000 ETF 464287655 2,899 18,939 SH   SOLE   1,508 0 17,431
ISHARES TR SELECT DIVID ETF 464287168 920 9,372 SH   SOLE   0 0 9,372
ISHARES TR SH TR CRPORT ETF 464288646 270 5,110 SH   SOLE   0 0 5,110
JOHNSON & JOHNSON COM 478160104 1,792 12,820 SH   SOLE   541 0 12,279
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 34,143 678,794 SH   SOLE   42,534 0 636,260
JPMORGAN CHASE & CO COM 46625H100 2,149 21,231 SH   SOLE   289 0 20,942
KINDER MORGAN INC DEL COM 49456B101 1,076 53,780 SH   SOLE   395 0 53,385
KOHLS CORP COM 500255104 203 2,950 SH   SOLE   0 0 2,950
LABORATORY CORP AMER HLDGS COM NEW 50540R409 818 5,349 SH   SOLE   0 0 5,349
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 1,396 49,541 SH   SOLE   2,490 0 47,051
LILLY ELI & CO COM 532457108 390 3,008 SH   SOLE   100 0 2,908
LOWES COS INC COM 548661107 238 2,177 SH   SOLE   100 0 2,077
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 482 5,738 SH   SOLE   0 0 5,738
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 259 4,264 SH   SOLE   486 0 3,778
MARKEL CORP COM 570535104 262 263 SH   SOLE   0 0 263
MARRIOTT INTL INC NEW CL A 571903202 349 2,790 SH   SOLE   0 0 2,790
MARTIN MARIETTA MATLS INC COM 573284106 206 1,025 SH   SOLE   0 0 1,025
MCCORMICK & CO INC COM VTG 579780107 1,669 11,159 SH   SOLE   0 0 11,159
MCDONALDS CORP COM 580135101 1,011 5,323 SH   SOLE   289 0 5,034
MEDTRONIC PLC SHS G5960L103 413 4,532 SH   SOLE   0 0 4,532
MERCK & CO INC COM 58933Y105 1,513 18,195 SH   SOLE   1,373 0 16,822
MICROCHIP TECHNOLOGY INC COM 595017104 268 3,235 SH   SOLE   0 0 3,235
MICROSOFT CORP COM 594918104 1,997 16,934 SH   SOLE   1,211 0 15,723
MONDELEZ INTL INC CL A 609207105 384 7,702 SH   SOLE   76 0 7,626
MORGAN STANLEY COM NEW 617446448 282 6,691 SH   SOLE   0 0 6,691
MOTOROLA SOLUTIONS INC COM NEW 620076307 242 1,720 SH   SOLE   0 0 1,720
NETFLIX INC COM 64110L106 382 1,070 SH   SOLE   25 0 1,045
NEXTERA ENERGY INC COM 65339F101 1,273 6,587 SH   SOLE   900 0 5,687
NORFOLK SOUTHERN CORP COM 655844108 1,580 8,453 SH   SOLE   700 0 7,753
NORTHROP GRUMMAN CORP COM 666807102 366 1,356 SH   SOLE   0 0 1,356
ORACLE CORP COM 68389X105 237 4,410 SH   SOLE   0 0 4,410
PEPSICO INC COM 713448108 2,926 23,874 SH   SOLE   30 0 23,844
PFIZER INC COM 717081103 2,723 64,115 SH   SOLE   4,632 0 59,483
PHILIP MORRIS INTL INC COM 718172109 208 2,350 SH   SOLE   250 0 2,100
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 16,365 161,138 SH   SOLE   6,855 0 154,283
PNC FINL SVCS GROUP INC COM 693475105 446 3,640 SH   SOLE   0 0 3,640
PROCTER AND GAMBLE CO COM 742718109 779 7,489 SH   SOLE   1,344 0 6,145
PROSHARES TR PSHS LC COR PLUS 74347R248 255 3,730 SH   SOLE   0 0 3,730
RAYTHEON CO COM NEW 755111507 231 1,266 SH   SOLE   0 0 1,266
ROCKWELL AUTOMATION INC COM 773903109 227 1,295 SH   SOLE   100 0 1,195
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 496 7,920 SH   SOLE   160 0 7,760
SANDY SPRING BANCORP INC COM 800363103 2,225 71,132 SH   SOLE   66,645 0 4,487
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 280 5,585 SH   SOLE   0 0 5,585
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 811 11,923 SH   SOLE   5,482 0 6,441
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 70,373 1,040,862 SH   SOLE   63,590 0 977,272
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,101 37,922 SH   SOLE   5,894 0 32,028
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,688 38,440 SH   SOLE   5,090 0 33,350
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 207 800 SH   SOLE   0 0 800
SPDR S&P 500 ETF TR TR UNIT 78462F103 25,257 89,413 SH   SOLE   2,762 0 86,651
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 440 1,274 SH   SOLE   1,274 0 0
STRYKER CORP COM 863667101 542 2,745 SH   SOLE   0 0 2,745
SUNTRUST BKS INC COM 867914103 288 4,868 SH   SOLE   0 0 4,868
THE CHARLES SCHWAB CORPORATI COM 808513105 309 7,230 SH   SOLE   0 0 7,230
THERMO FISHER SCIENTIFIC INC COM 883556102 239 873 SH   SOLE   0 0 873
TJX COS INC NEW COM 872540109 363 6,830 SH   SOLE   0 0 6,830
TRAVELERS COMPANIES INC COM 89417E109 800 5,832 SH   SOLE   633 0 5,199
TREX CO INC COM 89531P105 349 5,667 SH   SOLE   0 0 5,667
UNITED BANKSHARES INC WEST V COM 909907107 263 7,264 SH   SOLE   2,112 0 5,152
UNITED PARCEL SERVICE INC CL B 911312106 516 4,614 SH   SOLE   0 0 4,614
UNITED TECHNOLOGIES CORP COM 913017109 990 7,681 SH   SOLE   0 0 7,681
UNITEDHEALTH GROUP INC COM 91324P102 301 1,216 SH   SOLE   33 0 1,183
US BANCORP DEL COM NEW 902973304 493 10,235 SH   SOLE   732 0 9,503
VALERO ENERGY CORP NEW COM 91913Y100 1,182 13,937 SH   SOLE   0 0 13,937
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 492 6,177 SH   SOLE   0 0 6,177
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 673 5,830 SH   SOLE   0 0 5,830
VANGUARD INDEX FDS MID CAP ETF 922908629 6,497 40,415 SH   SOLE   3,000 0 37,415
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 29,768 114,694 SH   SOLE   4,628 0 110,066
VANGUARD INDEX FDS TOTAL STK MKT 922908769 550 3,799 SH   SOLE   0 0 3,799
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 728 17,120 SH   SOLE   1,570 0 15,550
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 390 4,887 SH   SOLE   0 0 4,887
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,861 45,531 SH   SOLE   3,110 0 42,421
VERIZON COMMUNICATIONS INC COM 92343V104 1,048 17,718 SH   SOLE   751 0 16,967
VISA INC COM CL A 92826C839 1,759 11,263 SH   SOLE   336 0 10,927
WALGREENS BOOTS ALLIANCE INC COM 931427108 332 5,250 SH   SOLE   1,800 0 3,450
WELLS FARGO CO NEW COM 949746101 362 7,494 SH   SOLE   140 0 7,354
YUM BRANDS INC COM 988498101 466 4,671 SH   SOLE   0 0 4,671
YUM CHINA HLDGS INC COM 98850P109 234 5,216 SH   SOLE   0 0 5,216
ZOETIS INC CL A 98978V103 236 2,340 SH   SOLE   440 0 1,900