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 413 2,515 SH   SOLE   30 0 2,485
ABBOTT LABS COM 002824100 319 3,812 SH   SOLE   350 0 3,462
ABBVIE INC COM 00287Y109 842 11,116 SH   SOLE   350 0 10,766
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 626 3,252 SH   SOLE   837 0 2,415
ADOBE INC COM 00724F101 422 1,529 SH   SOLE   0 0 1,529
AIR PRODS & CHEMS INC COM 009158106 325 1,466 SH   SOLE   230 0 1,236
ALPHABET INC CAP STK CL C 02079K107 552 453 SH   SOLE   29 0 424
ALPHABET INC CAP STK CL A 02079K305 2,538 2,078 SH   SOLE   32 0 2,046
ALTRIA GROUP INC COM 02209S103 240 5,860 SH   SOLE   350 0 5,510
AMAZON COM INC COM 023135106 4,984 2,871 SH   SOLE   20 0 2,851
AMERICAN EXPRESS CO COM 025816109 754 6,376 SH   SOLE   1,310 0 5,066
AMERICAN WTR WKS CO INC NEW COM 030420103 359 2,889 SH   SOLE   0 0 2,889
AMGEN INC COM 031162100 394 2,035 SH   SOLE   35 0 2,000
ANTHEM INC COM 036752103 498 2,076 SH   SOLE   0 0 2,076
APPLE INC COM 037833100 5,617 25,081 SH   SOLE   783 0 24,298
APPLIED MATLS INC COM 038222105 325 6,509 SH   SOLE   0 0 6,509
AT&T INC COM 00206R102 719 19,008 SH   SOLE   2,811 0 16,197
AUTOMATIC DATA PROCESSING IN COM 053015103 458 2,839 SH   SOLE   509 0 2,330
BANK AMER CORP COM 060505104 617 21,149 SH   SOLE   891 0 20,258
BB&T CORP COM 054937107 582 10,896 SH   SOLE   0 0 10,896
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,555 7,472 SH   SOLE   0 0 7,472
BNY MELLON HIGH YIELD STRATE SH BEN INT 09660L105 82 26,810 SH   SOLE   0 0 26,810
BRISTOL MYERS SQUIBB CO COM 110122108 619 12,212 SH   SOLE   2,032 0 10,180
CAPITAL ONE FINL CORP COM 14040H105 541 5,946 SH   SOLE   0 0 5,946
CATERPILLAR INC DEL COM 149123101 393 3,115 SH   SOLE   0 0 3,115
CELGENE CORP COM 151020104 307 3,090 SH   SOLE   0 0 3,090
CHEVRON CORP NEW COM 166764100 603 5,082 SH   SOLE   386 0 4,696
CHUBB LIMITED COM H1467J104 315 1,949 SH   SOLE   0 0 1,949
CISCO SYS INC COM 17275R102 1,145 23,182 SH   SOLE   488 0 22,694
CLOROX CO DEL COM 189054109 207 1,365 SH   SOLE   90 0 1,275
COCA COLA CO COM 191216100 628 11,538 SH   SOLE   819 0 10,719
COMCAST CORP NEW CL A 20030N101 1,029 22,820 SH   SOLE   1,120 0 21,700
COSTCO WHSL CORP NEW COM 22160K105 400 1,387 SH   SOLE   0 0 1,387
CSX CORP COM 126408103 303 4,374 SH   SOLE   0 0 4,374
CUMMINS INC COM 231021106 592 3,638 SH   SOLE   0 0 3,638
D R HORTON INC COM 23331A109 514 9,757 SH   SOLE   595 0 9,162
DANAHER CORPORATION COM 235851102 2,479 17,163 SH   SOLE   0 0 17,163
DISCOVER FINL SVCS COM 254709108 450 5,549 SH   SOLE   0 0 5,549
DISNEY WALT CO COM DISNEY 254687106 837 6,424 SH   SOLE   0 0 6,424
DOLLAR TREE INC COM 256746108 442 3,875 SH   SOLE   0 0 3,875
DOMINION ENERGY INC COM 25746U109 1,100 13,574 SH   SOLE   0 0 13,574
DUKE ENERGY CORP NEW COM NEW 26441C204 1,165 12,154 SH   SOLE   0 0 12,154
EATON CORP PLC SHS G29183103 717 8,620 SH   SOLE   50 0 8,570
ECOLAB INC COM 278865100 320 1,618 SH   SOLE   750 0 868
EMERSON ELEC CO COM 291011104 713 10,664 SH   SOLE   0 0 10,664
ENTERPRISE PRODS PARTNERS L COM 293792107 735 25,725 SH   SOLE   3,330 0 22,395
EXXON MOBIL CORP COM 30231G102 1,630 23,082 SH   SOLE   2,145 0 20,937
FACEBOOK INC CL A 30303M102 1,312 7,368 SH   SOLE   0 0 7,368
FIDELITY NATL INFORMATION SV COM 31620M106 301 2,266 SH   SOLE   916 0 1,350
FISERV INC COM 337738108 206 1,988 SH   SOLE   0 0 1,988
FLEXSHARES TR QUALT DIVD IDX 33939L860 212 4,660 SH   SOLE   0 0 4,660
FORD MTR CO DEL COM 345370860 124 13,573 SH   SOLE   218 0 13,355
FORTIVE CORP COM 34959J108 382 5,569 SH   SOLE   0 0 5,569
FULTON FINL CORP PA COM 360271100 194 11,979 SH   SOLE   0 0 11,979
GENERAL DYNAMICS CORP COM 369550108 227 1,240 SH   SOLE   0 0 1,240
GENERAL ELECTRIC CO COM 369604103 448 50,060 SH   SOLE   3,000 0 47,060
GENERAL MLS INC COM 370334104 293 5,317 SH   SOLE   0 0 5,317
GENERAL MTRS CO COM 37045V100 782 20,870 SH   SOLE   520 0 20,350
HARTFORD FINL SVCS GROUP INC COM 416515104 209 3,449 SH   SOLE   0 0 3,449
HOME DEPOT INC COM 437076102 1,930 8,317 SH   SOLE   462 0 7,855
INTEL CORP COM 458140100 1,521 29,517 SH   SOLE   1,064 0 28,453
INTERNATIONAL BUSINESS MACHS COM 459200101 753 5,176 SH   SOLE   33 0 5,143
ISHARES TR SELECT DIVID ETF 464287168 890 8,726 SH   SOLE   0 0 8,726
ISHARES TR CORE S&P500 ETF 464287200 12,871 43,117 SH   SOLE   2,516 0 40,601
ISHARES TR MSCI EAFE ETF 464287465 253 3,880 SH   SOLE   669 0 3,211
ISHARES TR RUS MID CAP ETF 464287499 361 6,444 SH   SOLE   0 0 6,444
ISHARES TR CORE S&P MCP ETF 464287507 39,062 202,151 SH   SOLE   9,392 0 192,759
ISHARES TR RUS 1000 VAL ETF 464287598 509 3,972 SH   SOLE   3,165 0 807
ISHARES TR RUS 1000 GRW ETF 464287614 283 1,771 SH   SOLE   341 0 1,430
ISHARES TR RUSSELL 2000 ETF 464287655 2,989 19,747 SH   SOLE   1,455 0 18,292
ISHARES TR CORE S&P SCP ETF 464287804 12,804 164,493 SH   SOLE   10,683 0 153,810
ISHARES TR SH TR CRPORT ETF 464288646 295 5,490 SH   SOLE   0 0 5,490
ISHARES TR MICRO-CAP ETF 464288869 269 3,053 SH   SOLE   110 0 2,943
JOHNSON & JOHNSON COM 478160104 1,384 10,695 SH   SOLE   541 0 10,154
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 36,766 729,119 SH   SOLE   40,167 0 688,952
JPMORGAN CHASE & CO COM 46625H100 2,548 21,654 SH   SOLE   289 0 21,365
KINDER MORGAN INC DEL COM 49456B101 1,131 54,897 SH   SOLE   405 0 54,492
LABORATORY CORP AMER HLDGS COM NEW 50540R409 906 5,390 SH   SOLE   0 0 5,390
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 1,410 50,583 SH   SOLE   2,905 0 47,678
LILLY ELI & CO COM 532457108 341 3,053 SH   SOLE   100 0 2,953
LOWES COS INC COM 548661107 228 2,072 SH   SOLE   100 0 1,972
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 518 5,790 SH   SOLE   0 0 5,790
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 283 4,264 SH   SOLE   486 0 3,778
MARKEL CORP COM 570535104 307 260 SH   SOLE   0 0 260
MARRIOTT INTL INC NEW CL A 571903202 347 2,790 SH   SOLE   0 0 2,790
MCCORMICK & CO INC COM VTG 579780107 1,702 10,924 SH   SOLE   0 0 10,924
MCDONALDS CORP COM 580135101 1,183 5,512 SH   SOLE   289 0 5,223
MEDTRONIC PLC SHS G5960L103 432 3,978 SH   SOLE   0 0 3,978
MERCK & CO INC COM 58933Y105 1,553 18,449 SH   SOLE   1,373 0 17,076
MICROCHIP TECHNOLOGY INC COM 595017104 263 2,835 SH   SOLE   0 0 2,835
MICROSOFT CORP COM 594918104 2,263 16,280 SH   SOLE   1,211 0 15,069
MONDELEZ INTL INC CL A 609207105 467 8,436 SH   SOLE   76 0 8,360
MORGAN STANLEY COM NEW 617446448 273 6,405 SH   SOLE   0 0 6,405
MOTOROLA SOLUTIONS INC COM NEW 620076307 282 1,656 SH   SOLE   0 0 1,656
NEXTERA ENERGY INC COM 65339F101 1,480 6,351 SH   SOLE   850 0 5,501
NIKE INC CL B 654106103 202 2,156 SH   SOLE   465 0 1,691
NORFOLK SOUTHERN CORP COM 655844108 1,388 7,727 SH   SOLE   650 0 7,077
NORTHROP GRUMMAN CORP COM 666807102 548 1,462 SH   SOLE   0 0 1,462
ORACLE CORP COM 68389X105 239 4,334 SH   SOLE   0 0 4,334
PEPSICO INC COM 713448108 1,826 13,317 SH   SOLE   30 0 13,287
PFIZER INC COM 717081103 2,212 61,558 SH   SOLE   4,632 0 56,926
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 17,587 172,878 SH   SOLE   6,855 0 166,023
PNC FINL SVCS GROUP INC COM 693475105 390 2,786 SH   SOLE   0 0 2,786
PROCTER & GAMBLE CO COM 742718109 938 7,541 SH   SOLE   1,345 0 6,196
PROSHARES TR LARGE CAP CRE 74347R248 227 3,196 SH   SOLE   0 0 3,196
RAYTHEON CO COM NEW 755111507 401 2,045 SH   SOLE   0 0 2,045
ROCKWELL AUTOMATION INC COM 773903109 255 1,545 SH   SOLE   100 0 1,445
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 344 5,845 SH   SOLE   160 0 5,685
SALESFORCE COM INC COM 79466L302 238 1,605 SH   SOLE   0 0 1,605
SANDY SPRING BANCORP INC COM 800363103 2,100 62,307 SH   SOLE   59,585 0 2,722
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 879 12,381 SH   SOLE   5,482 0 6,899
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 72,856 1,027,159 SH   SOLE   63,623 0 963,536
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,106 37,252 SH   SOLE   5,894 0 31,358
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,639 37,844 SH   SOLE   5,090 0 32,754
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 283 5,585 SH   SOLE   0 0 5,585
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 215 800 SH   SOLE   0 0 800
SPDR S&P 500 ETF TR TR UNIT 78462F103 25,822 87,009 SH   SOLE   2,662 0 84,347
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 449 1,274 SH   SOLE   1,274 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 328 3,141 SH   SOLE   0 0 3,141
STRYKER CORP COM 863667101 578 2,672 SH   SOLE   0 0 2,672
SUNTRUST BKS INC COM 867914103 330 4,800 SH   SOLE   0 0 4,800
TARGET CORP COM 87612E106 291 2,724 SH   SOLE   474 0 2,250
THE CHARLES SCHWAB CORPORATI COM 808513105 240 5,730 SH   SOLE   0 0 5,730
THERMO FISHER SCIENTIFIC INC COM 883556102 320 1,099 SH   SOLE   0 0 1,099
TJX COS INC NEW COM 872540109 448 8,030 SH   SOLE   0 0 8,030
TOWNEBANK PORTSMOUTH VA COM 89214P109 224 8,060 SH   SOLE   0 0 8,060
TRAVELERS COMPANIES INC COM 89417E109 765 5,147 SH   SOLE   633 0 4,514
TREX CO INC COM 89531P105 515 5,667 SH   SOLE   0 0 5,667
TRI CONTL CORP COM 895436103 203 7,436 SH   SOLE   6,214 0 1,222
UNITED PARCEL SERVICE INC CL B 911312106 472 3,941 SH   SOLE   0 0 3,941
UNITED TECHNOLOGIES CORP COM 913017109 1,094 8,013 SH   SOLE   0 0 8,013
UNITEDHEALTH GROUP INC COM 91324P102 417 1,918 SH   SOLE   33 0 1,885
US BANCORP DEL COM NEW 902973304 481 8,694 SH   SOLE   732 0 7,962
VALERO ENERGY CORP NEW COM 91913Y100 1,385 16,243 SH   SOLE   0 0 16,243
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 201 1,539 SH   SOLE   0 0 1,539
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 488 6,042 SH   SOLE   0 0 6,042
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 31,641 116,071 SH   SOLE   4,378 0 111,693
VANGUARD INDEX FDS MID CAP ETF 922908629 6,539 39,014 SH   SOLE   3,000 0 36,014
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 686 5,899 SH   SOLE   0 0 5,899
VANGUARD INDEX FDS TOTAL STK MKT 922908769 582 3,857 SH   SOLE   0 0 3,857
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 785 19,510 SH   SOLE   1,470 0 18,040
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 554 6,837 SH   SOLE   0 0 6,837
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,577 38,380 SH   SOLE   2,510 0 35,870
VERIZON COMMUNICATIONS INC COM 92343V104 1,252 20,741 SH   SOLE   751 0 19,990
VISA INC COM CL A 92826C839 1,925 11,191 SH   SOLE   162 0 11,029
WALGREENS BOOTS ALLIANCE INC COM 931427108 274 4,950 SH   SOLE   1,500 0 3,450
WELLS FARGO CO NEW COM 949746101 314 6,227 SH   SOLE   141 0 6,086
YUM BRANDS INC COM 988498101 530 4,671 SH   SOLE   0 0 4,671
ZOETIS INC CL A 98978V103 316 2,540 SH   SOLE   440 0 2,100