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 600 3,403 SH   SOLE   30 0 3,373
ABBOTT LABS COM 002824100 331 3,812 SH   SOLE   350 0 3,462
ABBVIE INC COM 00287Y109 906 10,228 SH   SOLE   350 0 9,878
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 685 3,252 SH   SOLE   837 0 2,415
ADOBE INC COM 00724F101 504 1,529 SH   SOLE   0 0 1,529
AIR PRODS & CHEMS INC COM 009158106 406 1,726 SH   SOLE   230 0 1,496
AKAMAI TECHNOLOGIES INC COM 00971T101 246 2,843 SH   SOLE   0 0 2,843
ALPHABET INC CAP STK CL A 02079K305 3,291 2,457 SH   SOLE   32 0 2,425
ALPHABET INC CAP STK CL C 02079K107 576 431 SH   SOLE   29 0 402
ALTRIA GROUP INC COM 02209S103 362 7,260 SH   SOLE   350 0 6,910
AMAZON COM INC COM 023135106 5,617 3,040 SH   SOLE   20 0 3,020
AMERICAN EXPRESS CO COM 025816109 842 6,766 SH   SOLE   1,210 0 5,556
AMERICAN WTR WKS CO INC NEW COM 030420103 355 2,889 SH   SOLE   0 0 2,889
AMGEN INC COM 031162100 491 2,035 SH   SOLE   35 0 2,000
ANTHEM INC COM 036752103 570 1,887 SH   SOLE   0 0 1,887
APPLE INC COM 037833100 8,079 27,513 SH   SOLE   783 0 26,730
APPLIED MATLS INC COM 038222105 391 6,409 SH   SOLE   0 0 6,409
AT&T INC COM 00206R102 712 18,209 SH   SOLE   2,812 0 15,397
AUTOMATIC DATA PROCESSING IN COM 053015103 513 3,010 SH   SOLE   509 0 2,501
BALL CORP COM 058498106 275 4,259 SH   SOLE   0 0 4,259
BANK AMER CORP COM 060505104 745 21,149 SH   SOLE   891 0 20,258
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,181 9,627 SH   SOLE   0 0 9,627
BNY MELLON HIGH YIELD STRATE SH BEN INT 09660L105 46 14,950 SH   SOLE   0 0 14,950
BOEING CO COM 097023105 227 696 SH   SOLE   0 0 696
BORGWARNER INC COM 099724106 210 4,844 SH   SOLE   0 0 4,844
BP PLC SPONSORED ADR 055622104 205 5,443 SH   SOLE   0 0 5,443
BRISTOL MYERS SQUIBB CO COM 110122108 989 15,402 SH   SOLE   2,032 0 13,370
BROADCOM INC COM 11135F101 207 655 SH   SOLE   0 0 655
CAPITAL ONE FINL CORP COM 14040H105 658 6,391 SH   SOLE   0 0 6,391
CATERPILLAR INC DEL COM 149123101 438 2,965 SH   SOLE   0 0 2,965
CHEVRON CORP NEW COM 166764100 665 5,517 SH   SOLE   387 0 5,130
CISCO SYS INC COM 17275R102 1,180 24,607 SH   SOLE   488 0 24,119
CITIGROUP INC COM NEW 172967424 262 3,275 SH   SOLE   0 0 3,275
CLOROX CO DEL COM 189054109 263 1,715 SH   SOLE   90 0 1,625
COCA COLA CO COM 191216100 621 11,223 SH   SOLE   819 0 10,404
COMCAST CORP NEW CL A 20030N101 1,030 22,895 SH   SOLE   1,120 0 21,775
COSTCO WHSL CORP NEW COM 22160K105 719 2,446 SH   SOLE   0 0 2,446
CSX CORP COM 126408103 317 4,375 SH   SOLE   0 0 4,375
CUMMINS INC COM 231021106 624 3,485 SH   SOLE   0 0 3,485
D R HORTON INC COM 23331A109 574 10,882 SH   SOLE   595 0 10,287
DANAHER CORPORATION COM 235851102 2,604 16,968 SH   SOLE   0 0 16,968
DISCOVER FINL SVCS COM 254709108 471 5,549 SH   SOLE   0 0 5,549
DISNEY WALT CO COM DISNEY 254687106 925 6,394 SH   SOLE   0 0 6,394
DOLLAR TREE INC COM 256746108 364 3,875 SH   SOLE   0 0 3,875
DOMINION ENERGY INC COM 25746U109 1,195 14,424 SH   SOLE   0 0 14,424
DUKE ENERGY CORP NEW COM NEW 26441C204 1,188 13,020 SH   SOLE   0 0 13,020
EATON CORP PLC SHS G29183103 916 9,640 SH   SOLE   50 0 9,640
ECOLAB INC COM 278865100 270 1,400 SH   SOLE   700 0 700
EMERSON ELEC CO COM 291011104 737 9,663 SH   SOLE   0 0 9,663
ENTERPRISE PRODS PARTNERS L COM 293792107 653 23,185 SH   SOLE   3,330 0 19,855
EXXON MOBIL CORP COM 30231G102 1,562 22,384 SH   SOLE   2,145 0 20,239
FACEBOOK INC CL A 30303M102 1,511 7,363 SH   SOLE   0 0 7,363
FEDERAL REALTY INVT TR SH BEN INT NEW 313747206 310 2,405 SH   SOLE   0 0 2,405
FEDEX CORP COM 31428X106 298 1,974 SH   SOLE   0 0 1,974
FIDELITY NATL INFORMATION SV COM 31620M106 315 2,266 SH   SOLE   916 0 1,350
FISERV INC COM 337738108 230 1,988 SH   SOLE   0 0 1,988
FLEXSHARES TR QUALT DIVD IDX 33939L860 226 4,660 SH   SOLE   0 0 4,660
FORTIVE CORP COM 34959J108 422 5,519 SH   SOLE   0 0 5,519
FULTON FINL CORP PA COM 360271100 209 11,979 SH   SOLE   0 0 11,979
GENERAL ELECTRIC CO COM 369604103 558 49,990 SH   SOLE   3,000 0 46,990
GENERAL MLS INC COM 370334104 328 6,132 SH   SOLE   0 0 6,132
GENERAL MTRS CO COM 37045V100 845 23,087 SH   SOLE   520 0 22,567
HOME DEPOT INC COM 437076102 2,060 9,435 SH   SOLE   462 0 8,973
HONEYWELL INTL INC COM 438516106 413 2,331 SH   SOLE   0 0 2,331
INTEL CORP COM 458140100 1,971 32,930 SH   SOLE   1,065 0 31,864
INTERNATIONAL BUSINESS MACHS COM 459200101 690 5,146 SH   SOLE   33 0 5,113
ISHARES TR CORE S&P MCP ETF 464287507 41,821 203,190 SH   SOLE   9,482 0 193,708
ISHARES TR CORE S&P SCP ETF 464287804 14,329 170,886 SH   SOLE   11,117 0 159,769
ISHARES TR CORE S&P500 ETF 464287200 13,875 42,924 SH   SOLE   2,516 0 40,408
ISHARES TR MICRO-CAP ETF 464288869 304 3,054 SH   SOLE   111 0 2,943
ISHARES TR MSCI EAFE ETF 464287465 247 3,555 SH   SOLE   669 0 2,886
ISHARES TR RUS 1000 GRW ETF 464287614 312 1,771 SH   SOLE   341 0 1,430
ISHARES TR RUS 1000 VAL ETF 464287598 542 3,972 SH   SOLE   3,165 0 807
ISHARES TR RUS MID CAP ETF 464287499 384 6,444 SH   SOLE   0 0 6,444
ISHARES TR RUSSELL 2000 ETF 464287655 3,189 19,247 SH   SOLE   1,455 0 17,792
ISHARES TR S&P SML 600 GWT 464287887 227 1,175 SH   SOLE   0 0 1,175
ISHARES TR SELECT DIVID ETF 464287168 905 8,567 SH   SOLE   0 0 8,567
ISHARES TR SH TR CRPORT ETF 464288646 311 5,790 SH   SOLE   0 0 5,790
JOHNSON & JOHNSON COM 478160104 1,638 11,228 SH   SOLE   541 0 10,687
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 40,954 812,096 SH   SOLE   42,257 0 769,839
JPMORGAN CHASE & CO COM 46625H100 3,468 24,875 SH   SOLE   289 0 24,586
KIMBERLY CLARK CORP COM 494368103 222 1,615 SH   SOLE   0 0 1,615
KINDER MORGAN INC DEL COM 49456B101 1,224 57,841 SH   SOLE   410 0 57,431
LABORATORY CORP AMER HLDGS COM NEW 50540R409 1,260 7,446 SH   SOLE   0 0 7,446
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 1,639 55,791 SH   SOLE   2,905 0 52,886
LILLY ELI & CO COM 532457108 523 3,977 SH   SOLE   100 0 3,877
LOCKHEED MARTIN CORP COM 539830109 212 544 SH   SOLE   0 0 544
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 536 5,670 SH   SOLE   0 0 5,670
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 450 7,164 SH   SOLE   486 0 6,678
MARKEL CORP COM 570535104 297 260 SH   SOLE   0 0 260
MARRIOTT INTL INC NEW CL A 571903202 655 4,324 SH   SOLE   0 0 4,324
MASTERCARD INC CL A 57636Q104 365 1,222 SH   SOLE   0 0 1,222
MCCORMICK & CO INC COM VTG 579780107 1,850 10,815 SH   SOLE   0 0 10,815
MCDONALDS CORP COM 580135101 1,066 5,394 SH   SOLE   289 0 5,105
MEDTRONIC PLC SHS G5960L103 488 4,303 SH   SOLE   0 0 4,303
MERCK & CO INC COM 58933Y105 1,605 17,649 SH   SOLE   1,373 0 16,276
MICROCHIP TECHNOLOGY INC COM 595017104 297 2,835 SH   SOLE   0 0 2,835
MICROSOFT CORP COM 594918104 2,465 15,632 SH   SOLE   1,211 0 14,421
MONDELEZ INTL INC CL A 609207105 409 7,426 SH   SOLE   76 0 7,350
MORGAN STANLEY COM NEW 617446448 342 6,697 SH   SOLE   0 0 6,697
NEXTERA ENERGY INC COM 65339F101 1,627 6,717 SH   SOLE   800 0 5,917
NIKE INC CL B 654106103 218 2,156 SH   SOLE   465 0 1,691
NORFOLK SOUTHERN CORP COM 655844108 1,624 8,364 SH   SOLE   650 0 7,714
NORTHROP GRUMMAN CORP COM 666807102 691 2,010 SH   SOLE   0 0 2,010
ORACLE CORP COM 68389X105 229 4,314 SH   SOLE   0 0 4,314
PEPSICO INC COM 713448108 1,952 14,284 SH   SOLE   30 0 14,254
PFIZER INC COM 717081103 2,201 56,170 SH   SOLE   4,632 0 51,538
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 17,944 176,635 SH   SOLE   6,765 0 169,870
PNC FINL SVCS GROUP INC COM 693475105 474 2,971 SH   SOLE   0 0 2,971
PROCTER & GAMBLE CO COM 742718109 949 7,602 SH   SOLE   1,295 0 6,307
QUEST DIAGNOSTICS INC COM 74834L100 212 1,986 SH   SOLE   0 0 1,986
RAYTHEON CO COM NEW 755111507 655 2,980 SH   SOLE   0 0 2,980
ROCKWELL AUTOMATION INC COM 773903109 268 1,320 SH   SOLE   100 0 1,220
ROPER TECHNOLOGIES INC COM 776696106 330 933 SH   SOLE   0 0 933
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 351 5,945 SH   SOLE   160 0 5,785
SALESFORCE COM INC COM 79466L302 246 1,515 SH   SOLE   0 0 1,515
SANDY SPRING BANCORP INC COM 800363103 2,000 52,796 SH   SOLE   52,795 0 1
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 282 5,585 SH   SOLE   0 0 5,585
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 952 12,387 SH   SOLE   5,482 0 6,905
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 228 3,935 SH   SOLE   0 0 3,935
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 80,624 1,049,659 SH   SOLE   63,722 0 985,937
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,344 38,975 SH   SOLE   5,894 0 33,081
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,856 37,753 SH   SOLE   5,090 0 32,663
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 228 800 SH   SOLE   0 0 800
SPDR S&P 500 ETF TR TR UNIT 78462F103 27,714 86,107 SH   SOLE   2,637 0 83,470
SPDR SERIES TRUST DJ REIT ETF 78464A607 320 3,141 SH   SOLE   0 0 3,141
STARBUCKS CORP COM 855244109 273 3,110 SH   SOLE   75 0 3,035
STRYKER CORP COM 863667101 571 2,722 SH   SOLE   0 0 2,722
TARGET CORP COM 87612E106 344 2,685 SH   SOLE   475 0 2,210
THE CHARLES SCHWAB CORPORATI COM 808513105 253 5,330 SH   SOLE   0 0 5,330
THERMO FISHER SCIENTIFIC INC COM 883556102 357 1,099 SH   SOLE   0 0 1,099
TJX COS INC NEW COM 872540109 451 7,380 SH   SOLE   0 0 7,380
TOWNEBANK PORTSMOUTH VA COM 89214P109 224 8,060 SH   SOLE   0 0 8,060
TRAVELERS COMPANIES INC COM 89417E109 789 5,762 SH   SOLE   633 0 5,129
TREX CO INC COM 89531P105 509 5,667 SH   SOLE   0 0 5,667
TRI CONTL CORP COM 895436103 210 7,436 SH   SOLE   6,214 0 1,222
TRUIST FINL CORP COM 89832Q109 976 17,279 SH   SOLE   0 0 17,279
UNION PACIFIC CORP COM 907818108 394 2,180 SH   SOLE   200 0 1,980
UNITED BANKSHARES INC WEST V COM 909907107 252 6,523 SH   SOLE   1,000 0 5,523
UNITED PARCEL SERVICE INC CL B 911312106 590 5,036 SH   SOLE   0 0 5,036
UNITED RENTALS INC COM 911363109 280 1,680 SH   SOLE   0 0 1,680
UNITED TECHNOLOGIES CORP COM 913017109 1,317 8,793 SH   SOLE   0 0 8,793
UNITEDHEALTH GROUP INC COM 91324P102 833 2,832 SH   SOLE   33 0 2,799
US BANCORP DEL COM NEW 902973304 638 10,757 SH   SOLE   732 0 10,025
VALERO ENERGY CORP NEW COM 91913Y100 1,554 16,598 SH   SOLE   0 0 16,598
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 221 1,594 SH   SOLE   0 0 1,594
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 741 5,880 SH   SOLE   0 0 5,880
VANGUARD INDEX FDS MID CAP ETF 922908629 6,933 38,910 SH   SOLE   3,000 0 35,910
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 33,671 113,832 SH   SOLE   4,378 0 109,454
VANGUARD INDEX FDS TOTAL STK MKT 922908769 633 3,868 SH   SOLE   0 0 3,868
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 648 14,579 SH   SOLE   1,470 0 13,109
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 659 8,137 SH   SOLE   0 0 8,137
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,618 36,722 SH   SOLE   2,510 0 34,212
VERIZON COMMUNICATIONS INC COM 92343V104 1,460 23,776 SH   SOLE   751 0 23,025
VISA INC COM CL A 92826C839 2,297 12,225 SH   SOLE   162 0 12,063
WALGREENS BOOTS ALLIANCE INC COM 931427108 293 4,972 SH   SOLE   1,500 0 3,472
WELLS FARGO CO NEW COM 949746101 355 6,591 SH   SOLE   142 0 6,449
YUM BRANDS INC COM 988498101 410 4,071 SH   SOLE   0 0 4,071
ZOETIS INC CL A 98978V103 336 2,540 SH   SOLE   440 0 2,100