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 1,075 6,709 SH   SOLE   0 0 6,709
ABBOTT LABS COM 002824100 422 3,878 SH   SOLE   938 0 2,940
ABBVIE INC COM 00287Y109 799 9,122 SH   SOLE   732 0 8,390
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 682 3,020 SH   SOLE   1,100 0 1,920
ADOBE SYSTEMS INCORPORATED COM 00724F101 735 1,499 SH   SOLE   0 0 1,499
AIR PRODS & CHEMS INC COM 009158106 687 2,306 SH   SOLE   830 0 1,476
AKAMAI TECHNOLOGIES INC COM 00971T101 341 3,083 SH   SOLE   0 0 3,083
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 200 679 SH   SOLE   0 0 679
ALPHABET INC CAP STK CL A 02079K305 3,495 2,385 SH   SOLE   21 0 2,364
ALPHABET INC CAP STK CL C 02079K107 822 559 SH   SOLE   105 0 454
ALTRIA GROUP INC COM 02209S103 250 6,470 SH   SOLE   0 0 6,470
AMAZON COM INC COM 023135106 9,651 3,065 SH   SOLE   82 0 2,983
AMERICAN EXPRESS CO COM 025816109 1,086 10,836 SH   SOLE   2,200 0 8,636
AMERICAN TOWER CORP NEW COM 03027X100 216 893 SH   SOLE   0 0 893
AMERICAN WTR WKS CO INC NEW COM 030420103 414 2,855 SH   SOLE   0 0 2,855
AMERIPRISE FINL INC COM 03076C106 246 1,594 SH   SOLE   0 0 1,594
AMGEN INC COM 031162100 555 2,185 SH   SOLE   0 0 2,185
ANTHEM INC COM 036752103 420 1,563 SH   SOLE   0 0 1,563
APPLE INC COM 037833100 12,265 105,905 SH   SOLE   6,640 0 99,265
APPLIED MATLS INC COM 038222105 345 5,809 SH   SOLE   0 0 5,809
AT&T INC COM 00206R102 489 17,144 SH   SOLE   4,526 0 12,618
AUTOMATIC DATA PROCESSING IN COM 053015103 423 3,034 SH   SOLE   1,065 0 1,969
BALL CORP COM 058498106 354 4,259 SH   SOLE   0 0 4,259
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,174 10,209 SH   SOLE   310 0 9,899
BK OF AMERICA CORP COM 060505104 395 16,390 SH   SOLE   100 0 16,290
BOEING CO COM 097023105 211 1,276 SH   SOLE   0 0 1,276
BRISTOL-MYERS SQUIBB CO COM 110122108 948 15,727 SH   SOLE   3,728 0 11,999
BROADCOM INC COM 11135F101 423 1,160 SH   SOLE   0 0 1,160
CATERPILLAR INC DEL COM 149123101 441 2,955 SH   SOLE   0 0 2,955
CHEVRON CORP NEW COM 166764100 312 4,338 SH   SOLE   0 0 4,338
CISCO SYS INC COM 17275R102 1,052 26,706 SH   SOLE   1,153 0 25,553
CLOROX CO DEL COM 189054109 437 2,080 SH   SOLE   0 0 2,080
COCA COLA CO COM 191216100 650 13,158 SH   SOLE   0 0 13,158
COMCAST CORP NEW CL A 20030N101 907 19,602 SH   SOLE   1,926 0 17,676
COSTCO WHSL CORP NEW COM 22160K105 861 2,425 SH   SOLE   325 0 2,100
CSX CORP COM 126408103 295 3,797 SH   SOLE   0 0 3,797
CUMMINS INC COM 231021106 456 2,160 SH   SOLE   0 0 2,160
D R HORTON INC COM 23331A109 722 9,542 SH   SOLE   1,859 0 7,683
DANAHER CORPORATION COM 235851102 3,890 18,065 SH   SOLE   292 0 17,773
DISNEY WALT CO COM DISNEY 254687106 1,022 8,238 SH   SOLE   132 0 8,106
DOLLAR TREE INC COM 256746108 293 3,205 SH   SOLE   0 0 3,205
DOMINION ENERGY INC COM 25746U109 995 12,604 SH   SOLE   0 0 12,604
DUKE ENERGY CORP NEW COM NEW 26441C204 1,671 18,867 SH   SOLE   0 0 18,867
EATON CORP PLC SHS G29183103 836 8,195 SH   SOLE   0 0 8,195
ECOLAB INC COM 278865100 280 1,400 SH   SOLE   1,400 0 0
EMERSON ELEC CO COM 291011104 308 4,695 SH   SOLE   0 0 4,695
ENTERPRISE PRODS PARTNERS L COM 293792107 310 19,645 SH   SOLE   1,964 0 17,681
EXXON MOBIL CORP COM 30231G102 731 21,285 SH   SOLE   967 0 20,318
FACEBOOK INC CL A 30303M102 1,860 7,103 SH   SOLE   0 0 7,103
FEDEX CORP COM 31428X106 451 1,795 SH   SOLE   0 0 1,795
FIDELITY NATL INFORMATION SV COM 31620M106 334 2,266 SH   SOLE   1,350 0 916
FISERV INC COM 337738108 604 5,859 SH   SOLE   0 0 5,859
FLEXSHARES TR QUALT DIVD IDX 33939L860 207 4,638 SH   SOLE   0 0 4,638
FORTIVE CORP COM 34959J108 390 5,114 SH   SOLE   0 0 5,114
FORTUNE BRANDS HOME & SEC IN COM 34964C106 236 2,729 SH   SOLE   0 0 2,729
FULTON FINL CORP PA COM 360271100 112 11,979 SH   SOLE   0 0 11,979
GENERAL ELECTRIC CO COM 369604103 314 50,465 SH   SOLE   8,142 0 42,323
GENERAL MLS INC COM 370334104 411 6,664 SH   SOLE   0 0 6,664
GENERAL MTRS CO COM 37045V100 221 7,457 SH   SOLE   0 0 7,457
HOME DEPOT INC COM 437076102 2,684 9,664 SH   SOLE   1,356 0 8,308
HONEYWELL INTL INC COM 438516106 516 3,136 SH   SOLE   560 0 2,576
INTEL CORP COM 458140100 1,629 31,464 SH   SOLE   2,164 0 29,300
INTERNATIONAL BUSINESS MACHS COM 459200101 757 6,221 SH   SOLE   0 0 6,221
ISHARES TR CORE S&P MCP ETF 464287507 21,410 115,539 SH   SOLE   3,893 0 111,646
ISHARES TR CORE S&P SCP ETF 464287804 6,211 88,440 SH   SOLE   3,363 0 85,077
ISHARES TR CORE S&P500 ETF 464287200 15,918 47,367 SH   SOLE   2,606 0 44,761
ISHARES TR ISHS 1-5YR INVS 464288646 318 5,790 SH   SOLE   0 0 5,790
ISHARES TR RUS 1000 GRW ETF 464287614 391 1,803 SH   SOLE   0 0 1,803
ISHARES TR RUS 1000 VAL ETF 464287598 469 3,972 SH   SOLE   0 0 3,972
ISHARES TR RUS MID CAP ETF 464287499 261 4,544 SH   SOLE   0 0 4,544
ISHARES TR RUSSELL 2000 ETF 464287655 2,382 15,905 SH   SOLE   806 0 15,099
ISHARES TR SELECT DIVID ETF 464287168 668 8,192 SH   SOLE   0 0 8,192
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 34,538 679,957 SH   SOLE   31,848 0 648,109
JOHNSON & JOHNSON COM 478160104 1,825 12,258 SH   SOLE   1,132 0 11,126
JPMORGAN CHASE & CO COM 46625H100 2,589 26,896 SH   SOLE   353 0 26,543
KIMBERLY CLARK CORP COM 494368103 258 1,750 SH   SOLE   0 0 1,750
KINDER MORGAN INC DEL COM 49456B101 564 45,772 SH   SOLE   0 0 45,772
L3HARRIS TECHNOLOGIES INC COM 502431109 385 2,264 SH   SOLE   183 0 2,081
LABORATORY CORP AMER HLDGS COM NEW 50540R409 1,206 6,408 SH   SOLE   486 0 5,922
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 921 35,577 SH   SOLE   605 0 34,972
LILLY ELI & CO COM 532457108 532 3,596 SH   SOLE   792 0 2,804
LOCKHEED MARTIN CORP COM 539830109 209 544 SH   SOLE   0 0 544
LOWES COS INC COM 548661107 271 1,635 SH   SOLE   0 0 1,635
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 349 4,955 SH   SOLE   0 0 4,955
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 245 7,164 SH   SOLE   678 0 6,486
MARKEL CORP COM 570535104 239 245 SH   SOLE   0 0 245
MARRIOTT INTL INC NEW CL A 571903202 258 2,790 SH   SOLE   0 0 2,790
MASTERCARD INCORPORATED CL A 57636Q104 413 1,222 SH   SOLE   0 0 1,222
MCCORMICK & CO INC COM VTG 579780107 2,012 10,302 SH   SOLE   0 0 10,302
MCDONALDS CORP COM 580135101 1,532 6,979 SH   SOLE   141 0 6,838
MEDTRONIC PLC SHS G5960L103 650 6,253 SH   SOLE   595 0 5,658
MERCK & CO. INC COM 58933Y105 1,691 20,380 SH   SOLE   2,663 0 17,717
MICROCHIP TECHNOLOGY INC. COM 595017104 264 2,571 SH   SOLE   0 0 2,571
MICROSOFT CORP COM 594918104 3,429 16,301 SH   SOLE   2,395 0 13,906
MONDELEZ INTL INC CL A 609207105 464 8,071 SH   SOLE   0 0 8,071
MORGAN STANLEY COM NEW 617446448 281 5,806 SH   SOLE   0 0 5,806
NEXTERA ENERGY INC COM 65339F101 2,040 7,348 SH   SOLE   1,475 0 5,873
NIKE INC CL B 654106103 311 2,479 SH   SOLE   932 0 1,547
NORFOLK SOUTHN CORP COM 655844108 1,973 9,219 SH   SOLE   1,500 0 7,719
NORTHROP GRUMMAN CORP COM 666807102 778 2,466 SH   SOLE   258 0 2,208
NOVO-NORDISK A S ADR 670100205 225 3,235 SH   SOLE   2,110 0 1,125
ORACLE CORP COM 68389X105 271 4,545 SH   SOLE   0 0 4,545
PAYPAL HLDGS INC COM 70450Y103 282 1,432 SH   SOLE   391 0 1,041
PEPSICO INC COM 713448108 1,937 13,978 SH   SOLE   0 0 13,978
PFIZER INC COM 717081103 2,148 58,517 SH   SOLE   10,753 0 47,764
PHILIP MORRIS INTL INC COM 718172109 263 3,502 SH   SOLE   0 0 3,502
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 12,908 126,599 SH   SOLE   7,235 0 119,364
PNC FINL SVCS GROUP INC COM 693475105 253 2,301 SH   SOLE   0 0 2,301
PPG INDS INC COM 693506107 203 1,666 SH   SOLE   0 0 1,666
PROCTER AND GAMBLE CO COM 742718109 1,450 10,433 SH   SOLE   2,625 0 7,808
QUEST DIAGNOSTICS INC COM 74834L100 324 2,827 SH   SOLE   0 0 2,827
RAYTHEON TECHNOLOGIES CORP COM 75513E101 560 9,726 SH   SOLE   0 0 9,726
ROCKWELL AUTOMATION INC COM 773903109 206 935 SH   SOLE   100 0 835
ROPER TECHNOLOGIES INC COM 776696106 611 1,547 SH   SOLE   127 0 1,420
RPM INTL INC COM 749685103 249 3,000 SH   SOLE   0 0 3,000
SALESFORCE COM INC COM 79466L302 342 1,360 SH   SOLE   0 0 1,360
SANDY SPRING BANCORP INC COM 800363103 801 34,718 SH   SOLE   1 0 34,717
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 261 5,060 SH   SOLE   0 0 5,060
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,064 13,360 SH   SOLE   0 0 13,360
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 214 1,860 SH   SOLE   0 0 1,860
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 86,734 1,075,701 SH   SOLE   30,572 0 1,045,129
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 815 11,927 SH   SOLE   3,932 0 7,995
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 250 900 SH   SOLE   0 0 900
SPDR S&P 500 ETF TR TR UNIT 78462F103 28,013 83,649 SH   SOLE   1,117 0 82,532
STARBUCKS CORP COM 855244109 261 3,037 SH   SOLE   0 0 3,037
STRYKER CORPORATION COM 863667101 523 2,512 SH   SOLE   0 0 2,512
TARGET CORP COM 87612E106 851 5,406 SH   SOLE   866 0 4,540
THERMO FISHER SCIENTIFIC INC COM 883556102 481 1,089 SH   SOLE   280 0 809
TJX COS INC NEW COM 872540109 373 6,710 SH   SOLE   0 0 6,710
TRAVELERS COMPANIES INC COM 89417E109 447 4,132 SH   SOLE   1,030 0 3,102
TREX CO INC COM 89531P105 869 12,134 SH   SOLE   0 0 12,134
TRUIST FINL CORP COM 89832Q109 328 8,608 SH   SOLE   1,411 0 7,197
UNION PAC CORP COM 907818108 872 4,430 SH   SOLE   0 0 4,430
UNITED PARCEL SERVICE INC CL B 911312106 839 5,038 SH   SOLE   0 0 5,038
UNITED RENTALS INC COM 911363109 293 1,680 SH   SOLE   0 0 1,680
UNITEDHEALTH GROUP INC COM 91324P102 1,368 4,389 SH   SOLE   722 0 3,667
US BANCORP DEL COM NEW 902973304 237 6,617 SH   SOLE   1,531 0 5,086
VALERO ENERGY CORP COM 91913Y100 482 11,125 SH   SOLE   0 0 11,125
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 237 1,888 SH   SOLE   0 0 1,888
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 694 8,355 SH   SOLE   0 0 8,355
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 443 3,418 SH   SOLE   0 0 3,418
VANGUARD INDEX FDS MID CAP ETF 922908629 7,521 42,672 SH   SOLE   6,960 0 35,712
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 55,099 179,097 SH   SOLE   5,827 0 173,270
VANGUARD INDEX FDS SMALL CP ETF 922908751 318 2,068 SH   SOLE   0 0 2,068
VANGUARD INDEX FDS TOTAL STK MKT 922908769 792 4,652 SH   SOLE   0 0 4,652
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 461 10,661 SH   SOLE   0 0 10,661
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 361 4,361 SH   SOLE   0 0 4,361
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 732 17,907 SH   SOLE   136 0 17,771
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 229 2,824 SH   SOLE   600 0 2,224
VERIZON COMMUNICATIONS INC COM 92343V104 1,756 29,510 SH   SOLE   318 0 29,192
VISA INC COM CL A 92826C839 2,557 12,785 SH   SOLE   739 0 12,046
WALMART INC COM 931142103 703 5,023 SH   SOLE   0 0 5,023
WISDOMTREE TR CHINADIV EX FI 97717X719 3,587 31,920 SH   SOLE   885 0 31,035
WISDOMTREE TR EM EX ST-OWNED 97717X578 6,409 190,344 SH   SOLE   6,752 0 183,592
YUM BRANDS INC COM 988498101 311 3,402 SH   SOLE   0 0 3,402
ZIMMER BIOMET HOLDINGS INC COM 98956P102 346 2,541 SH   SOLE   178 0 2,363
ZOETIS INC CL A 98978V103 420 2,540 SH   SOLE   1,544 0 996