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 1,041 6,674 SH   SOLE   30 0 6,644
ABBOTT LABS COM 002824100 349 3,812 SH   SOLE   938 0 2,874
ABBVIE INC COM 00287Y109 886 9,022 SH   SOLE   732 0 8,290
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 648 3,020 SH   SOLE   1,300 0 1,720
ADOBE INC COM 00724F101 666 1,529 SH   SOLE   0 0 1,529
AIR PRODS & CHEMS INC COM 009158106 557 2,306 SH   SOLE   830 0 1,476
AKAMAI TECHNOLOGIES INC COM 00971T101 330 3,083 SH   SOLE   0 0 3,083
ALPHABET INC CAP STK CL A 02079K305 3,432 2,420 SH   SOLE   32 0 2,388
ALPHABET INC CAP STK CL C 02079K107 796 563 SH   SOLE   110 0 453
ALTRIA GROUP INC COM 02209S103 256 6,510 SH   SOLE   350 0 6,160
AMAZON COM INC COM 023135106 8,737 3,167 SH   SOLE   85 0 3,082
AMERICAN EXPRESS CO COM 025816109 815 8,556 SH   SOLE   2,200 0 6,356
AMERICAN TOWER CORP NEW COM 03027X100 231 893 SH   SOLE   0 0 893
AMERICAN WTR WKS CO INC NEW COM 030420103 372 2,889 SH   SOLE   0 0 2,889
AMGEN INC COM 031162100 539 2,285 SH   SOLE   35 0 2,250
ANTHEM INC COM 036752103 437 1,663 SH   SOLE   0 0 1,663
APPLE INC COM 037833100 10,284 28,192 SH   SOLE   1,811 0 26,381
APPLIED MATLS INC COM 038222105 351 5,809 SH   SOLE   0 0 5,809
AT&T INC COM 00206R102 507 16,758 SH   SOLE   4,716 0 12,042
AUTOMATIC DATA PROCESSING IN COM 053015103 447 2,999 SH   SOLE   1,065 0 1,934
BALL CORP COM 058498106 296 4,259 SH   SOLE   0 0 4,259
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,831 10,254 SH   SOLE   310 0 9,944
BK OF AMERICA CORP COM 060505104 401 16,883 SH   SOLE   100 0 16,783
BOEING CO COM 097023105 225 1,226 SH   SOLE   0 0 1,226
BRISTOL-MYERS SQUIBB CO COM 110122108 982 16,697 SH   SOLE   3,828 0 12,869
BROADCOM INC COM 11135F101 356 1,129 SH   SOLE   0 0 1,129
CATERPILLAR INC DEL COM 149123101 374 2,955 SH   SOLE   0 0 2,955
CHEVRON CORP NEW COM 166764100 400 4,487 SH   SOLE   186 0 4,301
CISCO SYS INC COM 17275R102 1,162 24,924 SH   SOLE   1,153 0 23,771
CLOROX CO DEL COM 189054109 456 2,080 SH   SOLE   90 0 1,990
COCA COLA CO COM 191216100 551 12,343 SH   SOLE   819 0 11,524
COMCAST CORP NEW CL A 20030N101 794 20,370 SH   SOLE   2,126 0 18,244
COSTCO WHSL CORP NEW COM 22160K105 743 2,450 SH   SOLE   325 0 2,125
CSX CORP COM 126408103 270 3,871 SH   SOLE   0 0 3,871
CUMMINS INC COM 231021106 400 2,310 SH   SOLE   0 0 2,310
CVS HEALTH CORP COM 126650100 220 3,385 SH   SOLE   0 0 3,385
D R HORTON INC COM 23331A109 546 9,842 SH   SOLE   1,859 0 7,983
DANAHER CORPORATION COM 235851102 3,357 18,984 SH   SOLE   342 0 18,642
DISNEY WALT CO COM DISNEY 254687106 923 8,282 SH   SOLE   271 0 8,011
DOLLAR TREE INC COM 256746108 297 3,205 SH   SOLE   0 0 3,205
DOMINION ENERGY INC COM 25746U109 1,614 19,885 SH   SOLE   0 0 19,885
DUKE ENERGY CORP NEW COM NEW 26441C204 1,166 14,592 SH   SOLE   0 0 14,592
EATON CORP PLC SHS G29183103 748 8,545 SH   SOLE   0 0 8,545
ECOLAB INC COM 278865100 279 1,400 SH   SOLE   1,400 0 0
EMERSON ELEC CO COM 291011104 279 4,495 SH   SOLE   0 0 4,495
ENTERPRISE PRODS PARTNERS L COM 293792107 390 21,445 SH   SOLE   4,878 0 16,567
EXXON MOBIL CORP COM 30231G102 961 21,486 SH   SOLE   1,992 0 19,494
FACEBOOK INC CL A 30303M102 1,641 7,229 SH   SOLE   0 0 7,229
FEDERAL REALTY INVT TR SH BEN INT NEW 313747206 205 2,405 SH   SOLE   0 0 2,405
FEDEX CORP COM 31428X106 252 1,795 SH   SOLE   0 0 1,795
FIDELITY NATL INFORMATION SV COM 31620M106 304 2,266 SH   SOLE   2,266 0 0
FISERV INC COM 337738108 573 5,869 SH   SOLE   0 0 5,869
FORTIVE CORP COM 34959J108 358 5,289 SH   SOLE   0 0 5,289
FULTON FINL CORP PA COM 360271100 126 11,979 SH   SOLE   0 0 11,979
GENERAL ELECTRIC CO COM 369604103 376 54,990 SH   SOLE   8,142 0 46,848
GENERAL MLS INC COM 370334104 415 6,732 SH   SOLE   0 0 6,732
HOME DEPOT INC COM 437076102 2,527 10,089 SH   SOLE   1,356 0 8,733
HONEYWELL INTL INC COM 438516106 448 3,096 SH   SOLE   560 0 2,536
INTEL CORP COM 458140100 1,895 31,675 SH   SOLE   2,437 0 29,238
INTERNATIONAL BUSINESS MACHS COM 459200101 680 5,627 SH   SOLE   33 0 5,594
ISHARES TR CORE S&P MCP ETF 464287507 21,519 121,014 SH   SOLE   4,279 0 116,735
ISHARES TR CORE S&P SCP ETF 464287804 6,312 92,433 SH   SOLE   5,191 0 87,242
ISHARES TR CORE S&P500 ETF 464287200 14,589 47,107 SH   SOLE   2,606 0 44,501
ISHARES TR RUS 1000 GRW ETF 464287614 340 1,771 SH   SOLE   0 0 1,771
ISHARES TR RUS 1000 VAL ETF 464287598 447 3,972 SH   SOLE   0 0 3,972
ISHARES TR RUS MID CAP ETF 464287499 244 4,544 SH   SOLE   0 0 4,544
ISHARES TR RUSSELL 2000 ETF 464287655 2,477 17,299 SH   SOLE   877 0 16,422
ISHARES TR SELECT DIVID ETF 464287168 693 8,584 SH   SOLE   0 0 8,584
ISHARES TR SH TR CRPORT ETF 464288646 317 5,790 SH   SOLE   0 0 5,790
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 34,083 671,860 SH   SOLE   32,428 0 639,432
JOHNSON & JOHNSON COM 478160104 1,694 12,048 SH   SOLE   1,132 0 10,916
JPMORGAN CHASE & CO COM 46625H100 2,528 26,878 SH   SOLE   473 0 26,405
KIMBERLY CLARK CORP COM 494368103 247 1,750 SH   SOLE   0 0 1,750
KINDER MORGAN INC DEL COM 49456B101 716 47,209 SH   SOLE   0 0 47,209
L3HARRIS TECHNOLOGIES INC COM 502431109 392 2,309 SH   SOLE   269 0 2,040
LABORATORY CORP AMER HLDGS COM NEW 50540R409 1,064 6,408 SH   SOLE   486 0 5,922
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 856 34,766 SH   SOLE   637 0 34,129
LILLY ELI & CO COM 532457108 590 3,596 SH   SOLE   792 0 2,804
LOWES COS INC COM 548661107 221 1,635 SH   SOLE   100 0 1,535
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 326 4,955 SH   SOLE   0 0 4,955
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 309 7,164 SH   SOLE   1,056 0 6,108
MARKEL CORP COM 570535104 226 245 SH   SOLE   0 0 245
MARRIOTT INTL INC NEW CL A 571903202 239 2,790 SH   SOLE   0 0 2,790
MASTERCARD INCORPORATED CL A 57636Q104 361 1,222 SH   SOLE   0 0 1,222
MCCORMICK & CO INC COM VTG 579780107 1,830 10,302 SH   SOLE   0 0 10,302
MCDONALDS CORP COM 580135101 1,220 6,614 SH   SOLE   141 0 6,473
MEDTRONIC PLC SHS G5960L103 499 5,438 SH   SOLE   595 0 4,843
MERCK & CO. INC COM 58933Y105 1,585 20,500 SH   SOLE   2,763 0 17,737
MICROCHIP TECHNOLOGY INC. COM 595017104 286 2,715 SH   SOLE   0 0 2,715
MICROSOFT CORP COM 594918104 3,520 17,297 SH   SOLE   2,653 0 14,644
MONDELEZ INTL INC CL A 609207105 413 8,071 SH   SOLE   76 0 7,995
MORGAN STANLEY COM NEW 617446448 280 5,806 SH   SOLE   0 0 5,806
NEXTERA ENERGY INC COM 65339F101 1,777 7,397 SH   SOLE   1,600 0 5,797
NIKE INC CL B 654106103 234 2,386 SH   SOLE   952 0 1,434
NORFOLK SOUTHERN CORP COM 655844108 1,626 9,264 SH   SOLE   1,500 0 7,764
NORTHROP GRUMMAN CORP COM 666807102 758 2,466 SH   SOLE   258 0 2,208
NOVO-NORDISK A S ADR 670100205 212 3,235 SH   SOLE   3,235 0 0
ORACLE CORP COM 68389X105 223 4,035 SH   SOLE   0 0 4,035
PAYPAL HLDGS INC COM 70450Y103 247 1,415 SH   SOLE   562 0 853
PEPSICO INC COM 713448108 1,828 13,822 SH   SOLE   0 0 13,822
PFIZER INC COM 717081103 1,862 56,950 SH   SOLE   10,753 0 46,197
PHILIP MORRIS INTL INC COM 718172109 252 3,602 SH   SOLE   250 0 3,352
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 12,385 121,796 SH   SOLE   7,520 0 114,276
PNC FINL SVCS GROUP INC COM 693475105 242 2,301 SH   SOLE   0 0 2,301
PROCTER AND GAMBLE CO COM 742718109 1,256 10,502 SH   SOLE   2,720 0 7,782
QUEST DIAGNOSTICS INC COM 74834L100 322 2,826 SH   SOLE   0 0 2,826
RAYTHEON TECHNOLOGIES CORP COM 75513E101 713 11,578 SH   SOLE   0 0 11,578
ROCKWELL AUTOMATION INC COM 773903109 202 950 SH   SOLE   100 0 850
ROPER TECHNOLOGIES INC COM 776696106 605 1,557 SH   SOLE   149 0 1,408
RPM INTL INC COM 749685103 225 3,000 SH   SOLE   0 0 3,000
SALESFORCE COM INC COM 79466L302 255 1,360 SH   SOLE   0 0 1,360
SANDY SPRING BANCORP INC COM 800363103 860 34,718 SH   SOLE   1 0 34,717
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 230 4,460 SH   SOLE   0 0 4,460
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 978 13,309 SH   SOLE   0 0 13,309
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 80,458 1,085,801 SH   SOLE   39,102 0 1,046,699
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 225 4,277 SH   SOLE   920 0 3,357
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 916 14,026 SH   SOLE   5,446 0 8,580
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 206 800 SH   SOLE   0 0 800
SPDR S&P 500 ETF TR TR UNIT 78462F103 26,056 84,498 SH   SOLE   1,117 0 83,381
STARBUCKS CORP COM 855244109 223 3,037 SH   SOLE   75 0 2,962
STRYKER CORPORATION COM 863667101 485 2,692 SH   SOLE   0 0 2,692
TARGET CORP COM 87612E106 636 5,305 SH   SOLE   927 0 4,378
THERMO FISHER SCIENTIFIC INC COM 883556102 395 1,089 SH   SOLE   280 0 809
TJX COS INC NEW COM 872540109 339 6,710 SH   SOLE   0 0 6,710
TRAVELERS COMPANIES INC COM 89417E109 471 4,132 SH   SOLE   1,283 0 2,849
TREX CO INC COM 89531P105 737 5,667 SH   SOLE   0 0 5,667
TRUIST FINL CORP COM 89832Q109 312 8,305 SH   SOLE   1,411 0 6,894
UNION PAC CORP COM 907818108 749 4,430 SH   SOLE   0 0 4,430
UNITED PARCEL SERVICE INC CL B 911312106 561 5,048 SH   SOLE   0 0 5,048
UNITED RENTALS INC COM 911363109 250 1,680 SH   SOLE   0 0 1,680
UNITEDHEALTH GROUP INC COM 91324P102 1,300 4,409 SH   SOLE   772 0 3,637
US BANCORP DEL COM NEW 902973304 244 6,617 SH   SOLE   1,531 0 5,086
VALERO ENERGY CORP COM 91913Y100 709 12,050 SH   SOLE   0 0 12,050
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 233 1,940 SH   SOLE   0 0 1,940
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 575 6,922 SH   SOLE   0 0 6,922
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 450 3,803 SH   SOLE   0 0 3,803
VANGUARD INDEX FDS MID CAP ETF 922908629 7,100 43,315 SH   SOLE   7,300 0 36,015
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 50,268 177,356 SH   SOLE   8,312 0 169,044
VANGUARD INDEX FDS SMALL CP ETF 922908751 302 2,073 SH   SOLE   0 0 2,073
VANGUARD INDEX FDS TOTAL STK MKT 922908769 737 4,707 SH   SOLE   0 0 4,707
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 454 11,456 SH   SOLE   0 0 11,456
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 336 4,061 SH   SOLE   0 0 4,061
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 862 22,234 SH   SOLE   2,336 0 19,898
VERIZON COMMUNICATIONS INC COM 92343V104 1,580 28,656 SH   SOLE   751 0 27,905
VISA INC COM CL A 92826C839 2,525 13,072 SH   SOLE   810 0 12,262
WALGREENS BOOTS ALLIANCE INC COM 931427108 210 4,950 SH   SOLE   3,650 0 1,300
WALMART INC COM 931142103 602 5,023 SH   SOLE   263 0 4,760
WISDOMTREE TR CHINADIV EX FI 97717X719 3,034 31,615 SH   SOLE   885 0 30,730
WISDOMTREE TR EM EX ST-OWNED 97717X578 5,363 179,319 SH   SOLE   7,862 0 171,457
YUM BRANDS INC COM 988498101 268 3,084 SH   SOLE   0 0 3,084
ZIMMER BIOMET HOLDINGS INC COM 98956P102 267 2,241 SH   SOLE   761 0 1,480
ZOETIS INC CL A 98978V103 348 2,540 SH   SOLE   1,544 0 996