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 603 4,418 SH   SOLE   30 0 4,388
ABBOTT LABS COM 002824100 301 3,812 SH   SOLE   350 0 3,462
ABBVIE INC COM 00287Y109 728 9,557 SH   SOLE   350 0 9,207
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 531 3,252 SH   SOLE   837 0 2,415
ADOBE INC COM 00724F101 487 1,529 SH   SOLE   0 0 1,529
AIR PRODS & CHEMS INC COM 009158106 480 2,406 SH   SOLE   230 0 2,176
AKAMAI TECHNOLOGIES INC COM 00971T101 260 2,843 SH   SOLE   0 0 2,843
ALPHABET INC CAP STK CL A 02079K305 2,846 2,449 SH   SOLE   32 0 2,417
ALPHABET INC CAP STK CL C 02079K107 673 579 SH   SOLE   60 0 519
ALTRIA GROUP INC COM 02209S103 227 5,860 SH   SOLE   350 0 5,510
AMAZON COM INC COM 023135106 6,243 3,202 SH   SOLE   75 0 3,127
AMERICAN EXPRESS CO COM 025816109 562 6,566 SH   SOLE   1,110 0 5,456
AMERICAN WTR WKS CO INC NEW COM 030420103 345 2,889 SH   SOLE   0 0 2,889
AMGEN INC COM 031162100 413 2,035 SH   SOLE   35 0 2,000
ANTHEM INC COM 036752103 417 1,838 SH   SOLE   0 0 1,838
APPLE INC COM 037833100 7,250 28,512 SH   SOLE   1,228 0 27,284
APPLIED MATLS INC COM 038222105 280 6,109 SH   SOLE   0 0 6,109
AT&T INC COM 00206R102 509 17,447 SH   SOLE   2,684 0 14,763
AUTOMATIC DATA PROCESSING IN COM 053015103 410 2,999 SH   SOLE   509 0 2,490
BALL CORP COM 058498106 275 4,259 SH   SOLE   0 0 4,259
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,770 9,684 SH   SOLE   0 0 9,684
BK OF AMERICA CORP COM 060505104 382 18,008 SH   SOLE   100 0 17,908
BRISTOL-MYERS SQUIBB CO COM 110122108 823 14,757 SH   SOLE   2,032 0 12,725
BROADCOM INC COM 11135F101 291 1,228 SH   SOLE   0 0 1,228
CAPITAL ONE FINL CORP COM 14040H105 230 4,555 SH   SOLE   0 0 4,555
CATERPILLAR INC DEL COM 149123101 296 2,555 SH   SOLE   0 0 2,555
CHEVRON CORP NEW COM 166764100 373 5,147 SH   SOLE   286 0 4,861
CISCO SYS INC COM 17275R102 999 25,423 SH   SOLE   398 0 25,025
CLOROX CO DEL COM 189054109 304 1,755 SH   SOLE   90 0 1,665
COCA COLA CO COM 191216100 474 10,713 SH   SOLE   819 0 9,894
COMCAST CORP NEW CL A 20030N101 728 21,170 SH   SOLE   1,120 0 20,050
COSTCO WHSL CORP NEW COM 22160K105 699 2,450 SH   SOLE   0 0 2,450
CSX CORP COM 126408103 239 4,170 SH   SOLE   0 0 4,170
CUMMINS INC COM 231021106 455 3,360 SH   SOLE   0 0 3,360
D R HORTON INC COM 23331A109 432 12,717 SH   SOLE   595 0 12,122
DANAHER CORPORATION COM 235851102 2,638 19,062 SH   SOLE   286 0 18,776
DISNEY WALT CO COM DISNEY 254687106 853 8,832 SH   SOLE   155 0 8,677
DOLLAR TREE INC COM 256746108 235 3,205 SH   SOLE   0 0 3,205
DOMINION ENERGY INC COM 25746U109 1,378 19,085 SH   SOLE   0 0 19,085
DUKE ENERGY CORP NEW COM NEW 26441C204 1,104 13,650 SH   SOLE   0 0 13,650
EATON CORP PLC SHS G29183103 750 9,660 SH   SOLE   0 0 9,660
ECOLAB INC COM 278865100 218 1,400 SH   SOLE   700 0 700
EMERSON ELEC CO COM 291011104 252 5,290 SH   SOLE   0 0 5,290
ENTERPRISE PRODS PARTNERS L COM 293792107 307 21,445 SH   SOLE   3,330 0 18,115
EXXON MOBIL CORP COM 30231G102 743 19,569 SH   SOLE   2,112 0 17,457
FACEBOOK INC CL A 30303M102 1,215 7,283 SH   SOLE   0 0 7,283
FEDEX CORP COM 31428X106 218 1,795 SH   SOLE   0 0 1,795
FIDELITY NATL INFORMATION SV COM 31620M106 276 2,266 SH   SOLE   916 0 1,350
FISERV INC COM 337738108 588 6,194 SH   SOLE   0 0 6,194
FORTIVE CORP COM 34959J108 300 5,439 SH   SOLE   0 0 5,439
FULTON FINL CORP PA COM 360271100 138 11,979 SH   SOLE   0 0 11,979
GENERAL ELECTRIC CO COM 369604103 397 49,990 SH   SOLE   3,000 0 46,990
GENERAL MLS INC COM 370334104 324 6,132 SH   SOLE   0 0 6,132
GENERAL MTRS CO COM 37045V100 384 18,477 SH   SOLE   0 0 18,477
HOME DEPOT INC COM 437076102 1,841 9,860 SH   SOLE   462 0 9,398
HONEYWELL INTL INC COM 438516106 385 2,881 SH   SOLE   0 0 2,881
INTEL CORP COM 458140100 1,765 32,613 SH   SOLE   1,067 0 31,546
INTERNATIONAL BUSINESS MACHS COM 459200101 589 5,311 SH   SOLE   33 0 5,278
ISHARES TR CORE S&P MCP ETF 464287507 24,236 168,467 SH   SOLE   8,395 0 160,072
ISHARES TR CORE S&P SCP ETF 464287804 7,115 126,805 SH   SOLE   9,736 0 117,069
ISHARES TR CORE S&P500 ETF 464287200 11,252 43,544 SH   SOLE   2,466 0 41,078
ISHARES TR RUS 1000 GRW ETF 464287614 267 1,771 SH   SOLE   341 0 1,430
ISHARES TR RUS 1000 VAL ETF 464287598 394 3,972 SH   SOLE   3,165 0 807
ISHARES TR RUS MID CAP ETF 464287499 278 6,444 SH   SOLE   0 0 6,444
ISHARES TR RUSSELL 2000 ETF 464287655 2,151 18,794 SH   SOLE   1,455 0 17,339
ISHARES TR SELECT DIVID ETF 464287168 630 8,567 SH   SOLE   0 0 8,567
ISHARES TR SH TR CRPORT ETF 464288646 303 5,790 SH   SOLE   0 0 5,790
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 42,125 848,102 SH   SOLE   41,775 0 806,327
JOHNSON & JOHNSON COM 478160104 1,505 11,478 SH   SOLE   541 0 10,937
JPMORGAN CHASE & CO COM 46625H100 2,334 25,921 SH   SOLE   289 0 25,632
KIMBERLY CLARK CORP COM 494368103 217 1,700 SH   SOLE   0 0 1,700
KINDER MORGAN INC DEL COM 49456B101 691 49,605 SH   SOLE   0 0 49,605
L3HARRIS TECHNOLOGIES INC COM 502431109 472 2,619 SH   SOLE   224 0 2,395
LABORATORY CORP AMER HLDGS COM NEW 50540R409 878 6,948 SH   SOLE   0 0 6,948
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 929 42,159 SH   SOLE   605 0 41,554
LILLY ELI & CO COM 532457108 540 3,896 SH   SOLE   100 0 3,796
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 284 5,730 SH   SOLE   0 0 5,730
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 261 7,164 SH   SOLE   486 0 6,678
MARKEL CORP COM 570535104 232 250 SH   SOLE   0 0 250
MARRIOTT INTL INC NEW CL A 571903202 209 2,790 SH   SOLE   0 0 2,790
MASTERCARD INC CL A 57636Q104 295 1,222 SH   SOLE   0 0 1,222
MCCORMICK & CO INC COM VTG 579780107 1,467 10,302 SH   SOLE   0 0 10,302
MCDONALDS CORP COM 580135101 965 5,839 SH   SOLE   289 0 5,550
MEDTRONIC PLC SHS G5960L103 435 4,828 SH   SOLE   0 0 4,828
MERCK & CO. INC COM 58933Y105 1,369 17,789 SH   SOLE   1,373 0 16,416
MICROSOFT CORP COM 594918104 2,743 17,390 SH   SOLE   1,366 0 16,024
MONDELEZ INTL INC CL A 609207105 377 7,526 SH   SOLE   76 0 7,450
MORGAN STANLEY COM NEW 617446448 211 6,206 SH   SOLE   0 0 6,206
NEXTERA ENERGY INC COM 65339F101 1,770 7,357 SH   SOLE   800 0 6,557
NORFOLK SOUTHERN CORP COM 655844108 1,189 8,146 SH   SOLE   650 0 7,496
NORTHROP GRUMMAN CORP COM 666807102 590 1,951 SH   SOLE   0 0 1,951
PEPSICO INC COM 713448108 1,660 13,822 SH   SOLE   30 0 13,792
PFIZER INC COM 717081103 1,798 55,100 SH   SOLE   4,632 0 50,468
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 17,044 172,194 SH   SOLE   7,085 0 165,109
PNC FINL SVCS GROUP INC COM 693475105 250 2,611 SH   SOLE   0 0 2,611
PROCTER & GAMBLE CO COM 742718109 868 7,892 SH   SOLE   1,295 0 6,597
RAYTHEON CO COM NEW 755111507 339 2,583 SH   SOLE   0 0 2,583
ROPER TECHNOLOGIES INC COM 776696106 469 1,504 SH   SOLE   125 0 1,379
SALESFORCE COM INC COM 79466L302 218 1,515 SH   SOLE   0 0 1,515
SANDY SPRING BANCORP INC COM 800363103 1,012 44,718 SH   SOLE   44,717 0 1
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,013 19,585 SH   SOLE   0 0 19,585
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 720 11,909 SH   SOLE   5,482 0 6,427
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 65,768 1,073,771 SH   SOLE   57,898 0 1,015,873
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 457 10,843 SH   SOLE   1,730 0 9,113
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 825 16,013 SH   SOLE   2,000 0 14,013
SPDR S&P 500 ETF TR TR UNIT 78462F103 21,776 84,484 SH   SOLE   2,607 0 81,877
SPDR SER TR DJ REIT ETF 78464A607 227 3,141 SH   SOLE   0 0 3,141
STARBUCKS CORP COM 855244109 204 3,097 SH   SOLE   75 0 3,022
STRYKER CORP COM 863667101 463 2,782 SH   SOLE   0 0 2,782
TARGET CORP COM 87612E106 247 2,655 SH   SOLE   475 0 2,180
THERMO FISHER SCIENTIFIC INC COM 883556102 312 1,099 SH   SOLE   0 0 1,099
TJX COS INC NEW COM 872540109 354 7,396 SH   SOLE   0 0 7,396
TRAVELERS COMPANIES INC COM 89417E109 450 4,532 SH   SOLE   633 0 3,899
TREX CO INC COM 89531P105 454 5,667 SH   SOLE   0 0 5,667
TRUIST FINL CORP COM 89832Q109 345 11,172 SH   SOLE   0 0 11,172
UNION PAC CORP COM 907818108 307 2,180 SH   SOLE   200 0 1,980
UNITED PARCEL SERVICE INC CL B 911312106 401 4,293 SH   SOLE   0 0 4,293
UNITED TECHNOLOGIES CORP COM 913017109 767 8,126 SH   SOLE   0 0 8,126
UNITEDHEALTH GROUP INC COM 91324P102 1,107 4,439 SH   SOLE   154 0 4,285
US BANCORP DEL COM NEW 902973304 305 8,857 SH   SOLE   732 0 8,125
VALERO ENERGY CORP COM 91913Y100 632 13,940 SH   SOLE   0 0 13,940
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 497 6,042 SH   SOLE   0 0 6,042
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 394 4,350 SH   SOLE   0 0 4,350
VANGUARD INDEX FDS MID CAP ETF 922908629 5,306 40,302 SH   SOLE   3,000 0 37,302
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 35,617 150,396 SH   SOLE   8,797 0 141,599
VANGUARD INDEX FDS TOTAL STK MKT 922908769 574 4,453 SH   SOLE   0 0 4,453
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 901 26,863 SH   SOLE   2,190 0 24,673
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 644 8,137 SH   SOLE   0 0 8,137
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,323 39,677 SH   SOLE   3,270 0 36,407
VERIZON COMMUNICATIONS INC COM 92343V104 1,361 25,331 SH   SOLE   751 0 24,580
VISA INC COM CL A 92826C839 2,162 13,417 SH   SOLE   379 0 13,038
WALGREENS BOOTS ALLIANCE INC COM 931427108 226 4,950 SH   SOLE   1,500 0 3,450
WISDOMTREE TR EM EX ST-OWNED 97717X578 1,236 50,618 SH   SOLE   985 0 49,633
YUM BRANDS INC COM 988498101 220 3,209 SH   SOLE   0 0 3,209
ZOETIS INC CL A 98978V103 299 2,540 SH   SOLE   440 0 2,100