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 477 2,750 SH   SOLE   30 0 2,720
ABBVIE INC COM 00287Y109 935 12,854 SH   SOLE   350 0 12,504
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 389 2,104 SH   SOLE   837 0 1,267
ADOBE INC COM 00724F101 455 1,544 SH   SOLE   0 0 1,544
AIR PRODS & CHEMS INC COM 009158106 332 1,466 SH   SOLE   230 0 1,236
ALPHABET INC CAP STK CL A 02079K305 2,338 2,159 SH   SOLE   32 0 2,127
ALPHABET INC CAP STK CL C 02079K107 436 403 SH   SOLE   29 0 374
ALTRIA GROUP INC COM 02209S103 314 6,635 SH   SOLE   350 0 6,285
AMAZON COM INC COM 023135106 5,467 2,887 SH   SOLE   20 0 2,867
AMERICAN EXPRESS CO COM 025816109 624 5,056 SH   SOLE   1,310 0 3,746
AMERICAN WTR WKS CO INC NEW COM 030420103 335 2,889 SH   SOLE   0 0 2,889
AMGEN INC COM 031162100 387 2,100 SH   SOLE   35 0 2,065
ANTHEM INC COM 036752103 582 2,063 SH   SOLE   0 0 2,063
APPLE INC COM 037833100 4,771 24,106 SH   SOLE   783 0 23,323
APPLIED MATLS INC COM 038222105 288 6,409 SH   SOLE   0 0 6,409
AT&T INC COM 00206R102 635 18,960 SH   SOLE   2,809 0 16,151
AUTOMATIC DATA PROCESSING IN COM 053015103 491 2,967 SH   SOLE   509 0 2,458
BANK AMER CORP COM 060505104 635 21,904 SH   SOLE   891 0 21,013
BB&T CORP COM 054937107 555 11,303 SH   SOLE   0 0 11,303
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,352 6,343 SH   SOLE   0 0 6,343
BNY MELLON HIGH YIELD STRATE SH BEN INT 09660L105 76 25,210 PRN   SOLE   0 0 25,210
BORGWARNER INC COM 099724106 210 5,011 SH   SOLE   0 0 5,011
BRISTOL MYERS SQUIBB CO COM 110122108 420 9,262 SH   SOLE   2,032 0 7,230
CAPITAL ONE FINL CORP COM 14040H105 585 6,451 SH   SOLE   0 0 6,451
CATERPILLAR INC DEL COM 149123101 493 3,615 SH   SOLE   0 0 3,615
CELGENE CORP COM 151020104 338 3,655 SH   SOLE   0 0 3,655
CHEVRON CORP NEW COM 166764100 629 5,051 SH   SOLE   385 0 4,666
CHUBB LIMITED COM H1467J104 300 2,038 SH   SOLE   0 0 2,038
CISCO SYS INC COM 17275R102 1,213 22,167 SH   SOLE   487 0 21,680
CLOROX CO DEL COM 189054109 209 1,365 SH   SOLE   90 0 1,275
COCA COLA CO COM 191216100 436 8,563 SH   SOLE   819 0 7,744
COMCAST CORP NEW CL A 20030N101 928 21,955 SH   SOLE   1,120 0 20,835
COSTCO WHSL CORP NEW COM 22160K105 369 1,397 SH   SOLE   0 0 1,397
CSX CORP COM 126408103 422 5,454 SH   SOLE   0 0 5,454
CUMMINS INC COM 231021106 634 3,698 SH   SOLE   0 0 3,698
D R HORTON INC COM 23331A109 354 8,211 SH   SOLE   595 0 7,616
DANAHER CORPORATION COM 235851102 2,480 17,353 SH   SOLE   0 0 17,353
DISCOVER FINL SVCS COM 254709108 493 6,359 SH   SOLE   0 0 6,359
DISNEY WALT CO COM DISNEY 254687106 737 5,279 SH   SOLE   0 0 5,279
DOLLAR TREE INC COM 256746108 459 4,270 SH   SOLE   0 0 4,270
DOMINION ENERGY INC COM 25746U109 1,057 13,674 SH   SOLE   0 0 13,674
DUKE ENERGY CORP NEW COM NEW 26441C204 1,062 12,031 SH   SOLE   0 0 12,031
DXC TECHNOLOGY CO COM 23355L106 293 5,313 SH   SOLE   0 0 5,313
EATON CORP PLC SHS G29183103 676 8,120 SH   SOLE   50 0 8,070
ECOLAB INC COM 278865100 319 1,618 SH   SOLE   750 0 868
EMERSON ELEC CO COM 291011104 622 9,323 SH   SOLE   0 0 9,323
ENTERPRISE PRODS PARTNERS L COM 293792107 743 25,725 SH   SOLE   3,330 0 22,395
EXXON MOBIL CORP COM 30231G102 1,718 22,421 SH   SOLE   2,145 0 20,276
FACEBOOK INC CL A 30303M102 1,535 7,953 SH   SOLE   0 0 7,953
FIDELITY NATL INFORMATION SV COM 31620M106 278 2,266 SH   SOLE   916 0 1,350
FLEXSHARES TR QUALT DIVD IDX 33939L860 209 4,660 SH   SOLE   0 0 4,660
FORD MTR CO DEL COM 345370860 140 13,689 SH   SOLE   215 0 13,474
FORTIVE CORP COM 34959J108 536 6,570 SH   SOLE   0 0 6,570
FULTON FINL CORP PA COM 360271100 276 16,845 SH   SOLE   0 0 16,845
GENERAL DYNAMICS CORP COM 369550108 253 1,393 SH   SOLE   0 0 1,393
GENERAL ELECTRIC CO COM 369604103 526 50,060 SH   SOLE   3,000 0 47,060
GENERAL MLS INC COM 370334104 219 4,167 SH   SOLE   0 0 4,167
GENERAL MTRS CO COM 37045V100 849 22,046 SH   SOLE   520 0 21,526
HOME DEPOT INC COM 437076102 1,759 8,457 SH   SOLE   462 0 7,995
INTEL CORP COM 458140100 1,392 29,083 SH   SOLE   1,062 0 28,021
INTERNATIONAL BUSINESS MACHS COM 459200101 709 5,140 SH   SOLE   33 0 5,107
ISHARES TR CORE S&P MCP ETF 464287507 38,589 198,645 SH   SOLE   9,192 0 189,453
ISHARES TR CORE S&P SCP ETF 464287804 12,411 158,542 SH   SOLE   10,348 0 148,194
ISHARES TR CORE S&P500 ETF 464287200 12,474 42,322 SH   SOLE   2,516 0 39,806
ISHARES TR MICRO-CAP ETF 464288869 284 3,053 SH   SOLE   110 0 2,943
ISHARES TR RUS 1000 GRW ETF 464287614 279 1,771 SH   SOLE   341 0 1,430
ISHARES TR RUS 1000 VAL ETF 464287598 505 3,972 SH   SOLE   3,165 0 807
ISHARES TR RUSSELL 2000 ETF 464287655 2,840 18,262 SH   SOLE   1,455 0 16,807
ISHARES TR SELECT DIVID ETF 464287168 934 9,378 SH   SOLE   0 0 9,378
ISHARES TR SH TR CRPORT ETF 464288646 269 5,042 SH   SOLE   0 0 5,042
JOHNSON & JOHNSON COM 478160104 1,631 11,712 SH   SOLE   541 0 11,171
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 35,438 703,279 SH   SOLE   40,732 0 662,547
JPMORGAN CHASE & CO COM 46625H100 2,392 21,393 SH   SOLE   289 0 21,104
KINDER MORGAN INC DEL COM 49456B101 1,113 53,310 SH   SOLE   400 0 52,910
LABORATORY CORP AMER HLDGS COM NEW 50540R409 889 5,139 SH   SOLE   0 0 5,139
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 1,401 49,751 SH   SOLE   2,700 0 47,051
LILLY ELI & CO COM 532457108 341 3,080 SH   SOLE   100 0 2,980
LOWES COS INC COM 548661107 220 2,177 SH   SOLE   100 0 2,077
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 407 4,729 SH   SOLE   0 0 4,729
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 273 4,264 SH   SOLE   486 0 3,778
MARKEL CORP COM 570535104 303 278 SH   SOLE   0 0 278
MARRIOTT INTL INC NEW CL A 571903202 391 2,790 SH   SOLE   0 0 2,790
MARTIN MARIETTA MATLS INC COM 573284106 209 910 SH   SOLE   0 0 910
MCCORMICK & CO INC COM VTG 579780107 1,698 10,954 SH   SOLE   0 0 10,954
MCDONALDS CORP COM 580135101 1,023 4,926 SH   SOLE   289 0 4,637
MEDTRONIC PLC SHS G5960L103 387 3,978 SH   SOLE   0 0 3,978
MERCK & CO INC COM 58933Y105 1,520 18,124 SH   SOLE   1,373 0 16,751
MICROCHIP TECHNOLOGY INC COM 595017104 263 3,035 SH   SOLE   0 0 3,035
MICROSOFT CORP COM 594918104 2,148 16,035 SH   SOLE   1,211 0 14,824
MONDELEZ INTL INC CL A 609207105 412 7,636 SH   SOLE   76 0 7,560
MORGAN STANLEY COM NEW 617446448 292 6,675 SH   SOLE   0 0 6,675
MOTOROLA SOLUTIONS INC COM NEW 620076307 287 1,720 SH   SOLE   0 0 1,720
NETFLIX INC COM 64110L106 393 1,070 SH   SOLE   25 0 1,045
NEXTERA ENERGY INC COM 65339F101 1,323 6,456 SH   SOLE   850 0 5,606
NORFOLK SOUTHERN CORP COM 655844108 1,610 8,077 SH   SOLE   650 0 7,427
NORTHROP GRUMMAN CORP COM 666807102 479 1,481 SH   SOLE   0 0 1,481
ORACLE CORP COM 68389X105 238 4,184 SH   SOLE   0 0 4,184
PEPSICO INC COM 713448108 2,916 22,237 SH   SOLE   30 0 22,207
PFIZER INC COM 717081103 2,644 61,040 SH   SOLE   4,632 0 56,408
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 16,531 162,468 SH   SOLE   6,855 0 155,613
PNC FINL SVCS GROUP INC COM 693475105 405 2,950 SH   SOLE   0 0 2,950
PROCTER AND GAMBLE CO COM 742718109 820 7,477 SH   SOLE   1,345 0 6,132
PROSHARES TR PSHS LC COR PLUS 74347R248 225 3,196 SH   SOLE   0 0 3,196
RAYTHEON CO COM NEW 755111507 376 2,160 SH   SOLE   0 0 2,160
ROCKWELL AUTOMATION INC COM 773903109 294 1,795 SH   SOLE   100 0 1,695
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 606 9,320 SH   SOLE   160 0 9,160
SANDY SPRING BANCORP INC COM 800363103 2,230 63,932 SH   SOLE   59,585 0 4,347
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 283 5,585 SH   SOLE   0 0 5,585
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 863 12,231 SH   SOLE   5,482 0 6,749
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 72,232 1,029,088 SH   SOLE   63,623 0 965,465
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,127 37,252 SH   SOLE   5,894 0 31,358
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,727 38,155 SH   SOLE   5,090 0 33,065
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 213 800 SH   SOLE   0 0 800
SPDR S&P 500 ETF TR TR UNIT 78462F103 25,745 87,867 SH   SOLE   2,762 0 85,105
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 452 1,274 SH   SOLE   1,274 0 0
STRYKER CORP COM 863667101 549 2,672 SH   SOLE   0 0 2,672
SUNTRUST BKS INC COM 867914103 305 4,850 SH   SOLE   0 0 4,850
TARGET CORP COM 87612E106 227 2,624 SH   SOLE   474 0 2,150
THE CHARLES SCHWAB CORPORATI COM 808513105 250 6,230 SH   SOLE   0 0 6,230
THERMO FISHER SCIENTIFIC INC COM 883556102 255 869 SH   SOLE   0 0 869
TJX COS INC NEW COM 872540109 361 6,830 SH   SOLE   0 0 6,830
TOWNEBANK PORTSMOUTH VA COM 89214P109 220 8,060 SH   SOLE   0 0 8,060
TRAVELERS COMPANIES INC COM 89417E109 777 5,197 SH   SOLE   633 0 4,564
TREX CO INC COM 89531P105 406 5,667 SH   SOLE   0 0 5,667
TRI CONTL CORP COM 895436103 201 7,436 SH   SOLE   6,214 0 1,222
UNITED BANKSHARES INC WEST V COM 909907107 228 6,152 SH   SOLE   1,000 0 5,152
UNITED PARCEL SERVICE INC CL B 911312106 466 4,516 SH   SOLE   0 0 4,516
UNITED TECHNOLOGIES CORP COM 913017109 1,000 7,681 SH   SOLE   0 0 7,681
UNITEDHEALTH GROUP INC COM 91324P102 409 1,674 SH   SOLE   33 0 1,641
US BANCORP DEL COM NEW 902973304 475 9,069 SH   SOLE   732 0 8,337
VALERO ENERGY CORP NEW COM 91913Y100 1,340 15,652 SH   SOLE   0 0 15,652
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 487 6,042 SH   SOLE   0 0 6,042
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 691 5,830 SH   SOLE   0 0 5,830
VANGUARD INDEX FDS MID CAP ETF 922908629 6,554 39,206 SH   SOLE   3,000 0 36,206
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 30,722 114,144 SH   SOLE   4,378 0 109,766
VANGUARD INDEX FDS TOTAL STK MKT 922908769 576 3,838 SH   SOLE   0 0 3,838
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 692 16,259 SH   SOLE   1,470 0 14,789
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 423 5,247 SH   SOLE   0 0 5,247
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,745 41,833 SH   SOLE   2,510 0 39,323
VERIZON COMMUNICATIONS INC COM 92343V104 1,018 17,820 SH   SOLE   751 0 17,069
VISA INC COM CL A 92826C839 1,898 10,938 SH   SOLE   161 0 10,777
WALGREENS BOOTS ALLIANCE INC COM 931427108 271 4,950 SH   SOLE   1,500 0 3,450
WELLS FARGO CO NEW COM 949746101 309 6,537 SH   SOLE   140 0 6,397
YUM BRANDS INC COM 988498101 517 4,671 SH   SOLE   0 0 4,671
YUM CHINA HLDGS INC COM 98850P109 241 5,216 SH   SOLE   0 0 5,216
ZOETIS INC CL A 98978V103 288 2,540 SH   SOLE   440 0 2,100