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 1,250 6,486 SH   SOLE   0 0 6,486
ABBOTT LABS COM 002824100 465 3,878 SH   SOLE   938 0 2,940
ABBVIE INC COM 00287Y109 917 8,474 SH   SOLE   807 0 7,667
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 807 2,920 SH   SOLE   1,000 0 1,920
ADOBE SYSTEMS INCORPORATED COM 00724F101 591 1,243 SH   SOLE   0 0 1,243
AIR PRODS & CHEMS INC COM 009158106 914 3,249 SH   SOLE   830 0 2,419
AKAMAI TECHNOLOGIES INC COM 00971T101 420 4,118 SH   SOLE   0 0 4,118
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 229 1,008 SH   SOLE   0 0 1,008
ALPHABET INC CAP STK CL A 02079K305 4,325 2,097 SH   SOLE   14 0 2,083
ALPHABET INC CAP STK CL C 02079K107 1,194 577 SH   SOLE   98 0 479
ALTRIA GROUP INC COM 02209S103 290 5,661 SH   SOLE   0 0 5,661
AMAZON COM INC COM 023135106 8,991 2,906 SH   SOLE   66 0 2,840
AMERICAN EXPRESS CO COM 025816109 1,249 8,831 SH   SOLE   1,650 0 7,181
AMERICAN TOWER CORP NEW COM 03027X100 427 1,788 SH   SOLE   0 0 1,788
AMERICAN WTR WKS CO INC NEW COM 030420103 428 2,855 SH   SOLE   0 0 2,855
AMERIPRISE FINL INC COM 03076C106 377 1,621 SH   SOLE   0 0 1,621
AMGEN INC COM 031162100 506 2,035 SH   SOLE   0 0 2,035
ANTHEM INC COM 036752103 533 1,485 SH   SOLE   0 0 1,485
APPLE INC COM 037833100 11,832 96,865 SH   SOLE   6,499 0 90,366
APPLIED MATLS INC COM 038222105 667 4,989 SH   SOLE   0 0 4,989
AT&T INC COM 00206R102 384 12,681 SH   SOLE   4,526 0 8,155
AUTOMATIC DATA PROCESSING IN COM 053015103 558 2,963 SH   SOLE   1,065 0 1,898
BALL CORP COM 058498106 358 4,219 SH   SOLE   94 0 4,125
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,389 9,350 SH   SOLE   310 0 9,040
BK OF AMERICA CORP COM 060505104 571 14,765 SH   SOLE   0 0 14,765
BLACKROCK INC COM 09247X101 266 353 SH   SOLE   0 0 353
BOEING CO COM 097023105 363 1,424 SH   SOLE   0 0 1,424
BRISTOL-MYERS SQUIBB CO COM 110122108 924 14,632 SH   SOLE   3,728 0 10,904
BROADCOM INC COM 11135F101 523 1,127 SH   SOLE   0 0 1,127
BROADSTONE NET LEASE INC COM 11135E203 876 47,870 SH   SOLE   0 0 47,870
CATERPILLAR INC COM 149123101 566 2,443 SH   SOLE   0 0 2,443
CHEVRON CORP NEW COM 166764100 373 3,557 SH   SOLE   88 0 3,469
CISCO SYS INC COM 17275R102 1,310 25,332 SH   SOLE   1,153 0 24,179
CLOROX CO DEL COM 189054109 382 1,980 SH   SOLE   0 0 1,980
COCA COLA CO COM 191216100 649 12,315 SH   SOLE   0 0 12,315
COMCAST CORP NEW CL A 20030N101 962 17,786 SH   SOLE   1,670 0 16,116
COSTCO WHSL CORP NEW COM 22160K105 865 2,455 SH   SOLE   325 0 2,130
CSX CORP COM 126408103 375 3,889 SH   SOLE   90 0 3,799
CUMMINS INC COM 231021106 430 1,660 SH   SOLE   0 0 1,660
CVS HEALTH CORP COM 126650100 264 3,505 SH   SOLE   0 0 3,505
D R HORTON INC COM 23331A109 780 8,752 SH   SOLE   1,859 0 6,893
DANAHER CORPORATION COM 235851102 3,557 15,805 SH   SOLE   340 0 15,465
DISNEY WALT CO COM 254687106 1,081 5,860 SH   SOLE   56 0 5,804
DOLLAR TREE INC COM 256746108 367 3,205 SH   SOLE   0 0 3,205
DOMINION ENERGY INC COM 25746U109 884 11,639 SH   SOLE   0 0 11,639
DOW INC COM 260557103 204 3,190 SH   SOLE   700 0 2,490
DUKE ENERGY CORP NEW COM NEW 26441C204 1,704 17,657 SH   SOLE   0 0 17,657
DUPONT DE NEMOURS INC COM 26614N102 206 2,662 SH   SOLE   0 0 2,662
EATON CORP PLC SHS G29183103 932 6,741 SH   SOLE   0 0 6,741
ECOLAB INC COM 278865100 289 1,350 SH   SOLE   1,350 0 0
EMERSON ELEC CO COM 291011104 361 4,004 SH   SOLE   0 0 4,004
ENTERPRISE PRODS PARTNERS L COM 293792107 433 19,645 SH   SOLE   1,964 0 17,681
EXXON MOBIL CORP COM 30231G102 991 17,751 SH   SOLE   0 0 17,751
FACEBOOK INC CL A 30303M102 1,613 5,476 SH   SOLE   0 0 5,476
FEDEX CORP COM 31428X106 510 1,795 SH   SOLE   0 0 1,795
FIDELITY NATL INFORMATION SV COM 31620M106 319 2,266 SH   SOLE   1,350 0 916
FISERV INC COM 337738108 585 4,918 SH   SOLE   57 0 4,861
FORTIVE CORP COM 34959J108 315 4,457 SH   SOLE   0 0 4,457
FORTUNE BRANDS HOME & SEC IN COM 34964C106 261 2,729 SH   SOLE   0 0 2,729
FULTON FINL CORP PA COM 360271100 204 11,979 SH   SOLE   0 0 11,979
GENERAL DYNAMICS CORP COM 369550108 212 1,170 SH   SOLE   0 0 1,170
GENERAL ELECTRIC CO COM 369604103 667 50,765 SH   SOLE   8,142 0 42,623
GENERAL MLS INC COM 370334104 405 6,598 SH   SOLE   0 0 6,598
GENERAL MTRS CO COM 37045V100 435 7,572 SH   SOLE   190 0 7,382
HOME DEPOT INC COM 437076102 2,820 9,237 SH   SOLE   1,356 0 7,881
HONEYWELL INTL INC COM 438516106 670 3,086 SH   SOLE   560 0 2,526
HP INC COM 40434L105 311 9,791 SH   SOLE   0 0 9,791
INTEL CORP COM 458140100 1,424 22,245 SH   SOLE   1,664 0 20,581
INTERCONTINENTAL EXCHANGE IN COM 45866F104 284 2,541 SH   SOLE   0 0 2,541
INTERNATIONAL BUSINESS MACHS COM 459200101 810 6,079 SH   SOLE   0 0 6,079
INVESCO QQQ TR UNIT SER 1 46090E103 208 653 SH   SOLE   0 0 653
ISHARES TR CORE S&P MCP ETF 464287507 32,880 126,324 SH   SOLE   3,640 0 122,684
ISHARES TR CORE S&P SCP ETF 464287804 12,797 117,908 SH   SOLE   2,714 0 115,194
ISHARES TR CORE S&P500 ETF 464287200 18,833 47,341 SH   SOLE   2,590 0 44,751
ISHARES TR ISHS 1-5YR INVS 464288646 317 5,790 SH   SOLE   0 0 5,790
ISHARES TR RUS 1000 GRW ETF 464287614 438 1,803 SH   SOLE   0 0 1,803
ISHARES TR RUS 1000 VAL ETF 464287598 566 3,734 SH   SOLE   0 0 3,734
ISHARES TR RUS MID CAP ETF 464287499 343 4,643 SH   SOLE   0 0 4,643
ISHARES TR RUSSELL 2000 ETF 464287655 3,548 16,060 SH   SOLE   806 0 15,254
ISHARES TR SELECT DIVID ETF 464287168 611 5,353 SH   SOLE   0 0 5,353
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 50,822 1,001,318 SH   SOLE   40,723 0 960,595
JOHNSON & JOHNSON COM 478160104 2,015 12,263 SH   SOLE   1,132 0 11,131
JPMORGAN CHASE & CO COM 46625H100 3,787 24,879 SH   SOLE   353 0 24,526
KIMBERLY-CLARK CORP COM 494368103 243 1,750 SH   SOLE   0 0 1,750
KINDER MORGAN INC DEL COM 49456B101 668 40,100 SH   SOLE   0 0 40,100
L3HARRIS TECHNOLOGIES INC COM 502431109 293 1,448 SH   SOLE   0 0 1,448
LABORATORY CORP AMER HLDGS COM NEW 50540R409 1,683 6,598 SH   SOLE   486 0 6,112
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 877 29,512 SH   SOLE   605 0 28,907
LEIDOS HOLDINGS INC COM 525327102 242 2,510 SH   SOLE   0 0 2,510
LILLY ELI & CO COM 532457108 703 3,763 SH   SOLE   792 0 2,971
LOWES COS INC COM 548661107 315 1,656 SH   SOLE   0 0 1,656
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 206 1,980 SH   SOLE   0 0 1,980
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 311 7,164 SH   SOLE   678 0 6,486
MARRIOTT INTL INC NEW CL A 571903202 418 2,820 SH   SOLE   0 0 2,820
MASTERCARD INCORPORATED CL A 57636Q104 435 1,222 SH   SOLE   0 0 1,222
MCCORMICK & CO INC COM VTG 579780107 1,836 20,604 SH   SOLE   0 0 20,604
MCDONALDS CORP COM 580135101 1,578 7,039 SH   SOLE   64 0 6,975
MEDTRONIC PLC SHS G5960L103 632 5,353 SH   SOLE   0 0 5,353
MERCK & CO. INC COM 58933Y105 1,635 21,205 SH   SOLE   2,663 0 18,542
MICROCHIP TECHNOLOGY INC. COM 595017104 399 2,571 SH   SOLE   0 0 2,571
MICROSOFT CORP COM 594918104 3,803 16,132 SH   SOLE   2,330 0 13,802
MONDELEZ INTL INC CL A 609207105 457 7,808 SH   SOLE   0 0 7,808
MORGAN STANLEY COM NEW 617446448 469 6,040 SH   SOLE   307 0 5,733
NEXTERA ENERGY INC COM 65339F101 2,159 28,560 SH   SOLE   5,900 0 22,660
NIKE INC CL B 654106103 329 2,479 SH   SOLE   932 0 1,547
NORFOLK SOUTHN CORP COM 655844108 2,379 8,860 SH   SOLE   1,375 0 7,485
NORTHROP GRUMMAN CORP COM 666807102 656 2,027 SH   SOLE   258 0 1,769
NOVO-NORDISK A S ADR 670100205 218 3,235 SH   SOLE   2,110 0 1,125
ORACLE CORP COM 68389X105 314 4,475 SH   SOLE   0 0 4,475
PAYPAL HLDGS INC COM 70450Y103 411 1,691 SH   SOLE   591 0 1,100
PEPSICO INC COM 713448108 2,065 14,602 SH   SOLE   0 0 14,602
PFIZER INC COM 717081103 2,071 57,152 SH   SOLE   10,753 0 46,399
PHILIP MORRIS INTL INC COM 718172109 533 6,002 SH   SOLE   0 0 6,002
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 22,219 218,030 SH   SOLE   11,727 0 206,303
PNC FINL SVCS GROUP INC COM 693475105 404 2,301 SH   SOLE   0 0 2,301
PPG INDS INC COM 693506107 250 1,666 SH   SOLE   0 0 1,666
PROCTER AND GAMBLE CO COM 742718109 1,414 10,441 SH   SOLE   2,350 0 8,091
PROSHARES TR LARGE CAP CRE 74347R248 223 2,441 SH   SOLE   0 0 2,441
QUALCOMM INC COM 747525103 234 1,765 SH   SOLE   150 0 1,615
QUEST DIAGNOSTICS INC COM 74834L100 339 2,639 SH   SOLE   0 0 2,639
RAYTHEON TECHNOLOGIES CORP COM 75513E101 456 5,900 SH   SOLE   0 0 5,900
ROCKWELL AUTOMATION INC COM 773903109 232 875 SH   SOLE   100 0 775
ROPER TECHNOLOGIES INC COM 776696106 792 1,964 SH   SOLE   127 0 1,837
RPM INTL INC COM 749685103 248 2,700 SH   SOLE   0 0 2,700
SALESFORCE COM INC COM 79466L302 553 2,610 SH   SOLE   350 0 2,260
SANDY SPRING BANCORP INC COM 800363103 1,360 31,317 SH   SOLE   0 0 31,317
SCHWAB CHARLES CORP COM 808513105 354 5,431 SH   SOLE   0 0 5,431
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,031 10,659 SH   SOLE   0 0 10,659
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 208 1,605 SH   SOLE   0 0 1,605
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 100,451 1,046,034 SH   SOLE   28,923 0 1,017,111
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 260 3,496 SH   SOLE   920 0 2,576
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,146 11,497 SH   SOLE   3,742 0 7,755
SENECA BIOPHARMA INC COM 81689B103 17 10,000 SH   SOLE   10,000 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 297 900 SH   SOLE   0 0 900
SPDR S&P 500 ETF TR TR UNIT 78462F103 29,133 73,508 SH   SOLE   827 0 72,681
STANLEY BLACK & DECKER INC COM 854502101 225 1,126 SH   SOLE   0 0 1,126
STARBUCKS CORP COM 855244109 330 3,017 SH   SOLE   0 0 3,017
STRYKER CORPORATION COM 863667101 554 2,273 SH   SOLE   27 0 2,246
TARGET CORP COM 87612E106 1,067 5,386 SH   SOLE   866 0 4,520
THERMO FISHER SCIENTIFIC INC COM 883556102 527 1,155 SH   SOLE   389 0 766
TJX COS INC NEW COM 872540109 446 6,740 SH   SOLE   0 0 6,740
TOWNEBANK PORTSMOUTH VA COM 89214P109 215 7,060 SH   SOLE   0 0 7,060
TRAVELERS COMPANIES INC COM 89417E109 601 3,995 SH   SOLE   938 0 3,057
TREX CO INC COM 89531P105 1,073 11,719 SH   SOLE   0 0 11,719
TRUIST FINL CORP COM 89832Q109 334 5,724 SH   SOLE   0 0 5,724
UNION PAC CORP COM 907818108 1,230 5,579 SH   SOLE   165 0 5,414
UNITED BANKSHARES INC WEST V COM 909907107 250 6,486 SH   SOLE   0 0 6,486
UNITED PARCEL SERVICE INC CL B 911312106 829 4,878 SH   SOLE   0 0 4,878
UNITED RENTALS INC COM 911363109 496 1,505 SH   SOLE   0 0 1,505
UNITEDHEALTH GROUP INC COM 91324P102 1,294 3,478 SH   SOLE   722 0 2,756
US BANCORP DEL COM NEW 902973304 319 5,765 SH   SOLE   1,531 0 4,234
VALERO ENERGY CORP COM 91913Y100 433 6,050 SH   SOLE   0 0 6,050
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 345 1,956 SH   SOLE   0 0 1,956
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 296 3,600 SH   SOLE   0 0 3,600
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 545 3,078 SH   SOLE   0 0 3,078
VANGUARD INDEX FDS MID CAP ETF 922908629 9,016 40,733 SH   SOLE   6,147 0 34,586
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 62,234 170,833 SH   SOLE   5,460 0 165,373
VANGUARD INDEX FDS SMALL CP ETF 922908751 443 2,068 SH   SOLE   0 0 2,068
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,000 4,838 SH   SOLE   0 0 4,838
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 537 10,317 SH   SOLE   0 0 10,317
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 387 4,691 SH   SOLE   0 0 4,691
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 768 15,647 SH   SOLE   28 0 15,619
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 307 3,035 SH   SOLE   600 0 2,435
VERB TECHNOLOGY CO INC COM 92337U104 147 104,858 SH   SOLE   0 0 104,858
VERIZON COMMUNICATIONS INC COM 92343V104 1,607 27,641 SH   SOLE   318 0 27,323
VISA INC COM CL A 92826C839 2,567 12,126 SH   SOLE   739 0 11,387
VULCAN MATLS CO COM 929160109 224 1,325 SH   SOLE   0 0 1,325
WALGREENS BOOTS ALLIANCE INC COM 931427108 272 4,950 SH   SOLE   3,650 0 1,300
WALMART INC COM 931142103 713 5,248 SH   SOLE   0 0 5,248
WISDOMTREE TR CHINADIV EX FI 97717X719 3,818 58,569 SH   SOLE   1,772 0 56,797
WISDOMTREE TR EM EX ST-OWNED 97717X578 13,091 321,715 SH   SOLE   10,250 0 311,465
YUM BRANDS INC COM 988498101 286 2,647 SH   SOLE   0 0 2,647
ZIMMER BIOMET HOLDINGS INC COM 98956P102 407 2,541 SH   SOLE   178 0 2,363
ZOETIS INC CL A 98978V103 400 2,540 SH   SOLE   1,544 0 996