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
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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
ABBOTT LABS COM 002824100 264 5,882 SH   SOLE   2,066 0 3,816
ABBVIE INC COM 00287Y109 478 8,066 SH   SOLE   1,698 0 6,368
AES CORP COM 00130H105 96 10,000 SH   SOLE   0 0 10,000
ALPHABET INC CAP STK CL A 02079K305 394 506 SH   SOLE   55 0 451
ALTRIA GROUP INC COM 02209S103 209 3,599 SH   SOLE   0 0 3,599
AMAZON COM INC COM 023135106 608 900 SH   SOLE   15 0 885
AMERICAN WTR WKS CO INC NEW COM 030420103 217 3,640 SH   SOLE   699 0 2,941
APPLE INC COM 037833100 1,732 16,459 SH   SOLE   3,113 0 13,346
AT&T INC COM 00206R102 333 9,672 SH   SOLE   1,332 0 8,340
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 679 5,143 SH   SOLE   1,417 0 3,726
CELGENE CORP COM 151020104 246 2,052 SH   SOLE   1,300 0 752
CHEVRON CORP NEW COM 166764100 220 2,449 SH   SOLE   358 0 2,091
CISCO SYS INC COM 17275R102 256 9,418 SH   SOLE   3,760 0 5,658
COCA COLA CO COM 191216100 232 5,397 SH   SOLE   296 0 5,101
COMCAST CORP NEW CL A 20030N101 451 7,995 SH   SOLE   1,400 0 6,595
CONOCOPHILLIPS COM 20825C104 242 5,188 SH   SOLE   511 0 4,677
DANAHER CORP DEL COM 235851102 694 7,470 SH   SOLE   0 0 7,470
ENTERPRISE PRODS PARTNERS L COM 293792107 425 16,632 SH   SOLE   0 0 16,632
EXPRESS SCRIPTS HLDG CO COM 30219G108 228 2,606 SH   SOLE   1,361 0 1,245
EXXON MOBIL CORP COM 30231G102 1,797 23,059 SH   SOLE   3,148 0 19,911
FLEXSHARES TR QUALT DIVD IDX 33939L860 237 6,820 SH   SOLE   0 0 6,820
FORD MTR CO DEL COM PAR $0.01 345370860 995 70,582 SH   SOLE   2,744 0 67,838
GENERAL ELECTRIC CO COM 369604103 2,127 68,288 SH   SOLE   14,977 0 53,311
GENERAL MLS INC COM 370334104 350 6,064 SH   SOLE   1,849 0 4,215
GENERAL MTRS CO COM 37045V100 243 7,146 SH   SOLE   950 0 6,196
INTEL CORP COM 458140100 303 8,806 SH   SOLE   2,229 0 6,577
INTERNATIONAL BUSINESS MACHS COM 459200101 905 6,574 SH   SOLE   405 0 6,169
ISHARES TR SELECT DIVID ETF 464287168 714 9,497 SH   SOLE   0 0 9,497
ISHARES TR CORE S&P500 ETF 464287200 943 4,602 SH   SOLE   1,597 0 3,005
ISHARES TR MSCI EAFE ETF 464287465 455 7,749 SH   SOLE   0 0 7,749
ISHARES TR CORE S&P MCP ETF 464287507 21,628 155,242 SH   SOLE   14,497 0 140,745
ISHARES TR RUS 1000 VAL ETF 464287598 404 4,127 SH   SOLE   182 0 3,945
ISHARES TR RUSSELL 2000 ETF 464287655 2,182 19,371 SH   SOLE   190 0 19,181
ISHARES TR CORE S&P SCP ETF 464287804 6,269 56,935 SH   SOLE   5,349 0 51,586
ISHARES TR MICRO-CAP ETF 464288869 291 4,043 SH   SOLE   0 0 4,043
JOHNSON & JOHNSON COM 478160104 890 8,662 SH   SOLE   4,847 0 3,815
JPMORGAN CHASE & CO COM 46625H100 935 14,158 SH   SOLE   2,304 0 11,854
LABORATORY CORP AMER HLDGS COM NEW 50540R409 420 3,397 SH   SOLE   718 0 2,679
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 315 4,638 SH   SOLE   274 0 4,364
MCCORMICK & CO INC COM VTG 579780107 1,163 13,627 SH   SOLE   0 0 13,627
MCDONALDS CORP COM 580135101 493 4,169 SH   SOLE   609 0 3,560
MICROSOFT CORP COM 594918104 300 5,413 SH   SOLE   2,679 0 2,734
NEXTERA ENERGY INC COM 65339F101 423 4,075 SH   SOLE   0 0 4,075
NORFOLK SOUTHERN CORP COM 655844108 473 5,596 SH   SOLE   2,213 0 3,383
PEPSICO INC COM 713448108 896 8,972 SH   SOLE   1,881 0 7,091
PFIZER INC COM 717081103 1,713 53,065 SH   SOLE   2,083 0 50,982
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 5,780 57,447 SH   SOLE   4,120 0 53,327
PNC FINL SVCS GROUP INC COM 693475105 297 3,117 SH   SOLE   100 0 3,017
PRECISION CASTPARTS CORP COM 740189105 251 1,080 SH   SOLE   0 0 1,080
PROCTER & GAMBLE CO COM 742718109 324 4,076 SH   SOLE   1,238 0 2,838
PROSHARES TR PSHS LC COR PLUS 74347R248 343 6,955 SH   SOLE   0 0 6,955
SCHWAB CHARLES CORP NEW COM 808513105 244 7,409 SH   SOLE   800 0 6,609
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 38,884 800,572 SH   SOLE   87,918 0 712,654
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 248 6,187 SH   SOLE   560 0 5,627
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 7,196 142,669 SH   SOLE   9,400 0 133,269
SPDR S&P 500 ETF TR TR UNIT 78462F103 22,879 112,223 SH   SOLE   7,115 0 105,108
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 325 1,279 SH   SOLE   0 0 1,279
STARBUCKS CORP COM 855244109 357 5,942 SH   SOLE   70 0 5,872
TARGET CORP COM 87612E106 220 3,026 SH   SOLE   2,064 0 962
TJX COS INC NEW COM 872540109 246 3,470 SH   SOLE   0 0 3,470
TRI CONTL CORP COM 895436103 270 13,467 SH   SOLE   0 0 13,467
UNITED BANKSHARES INC WEST V COM 909907107 466 12,587 SH   SOLE   4,450 0 8,137
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 292 3,665 SH   SOLE   0 0 3,665
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 16,581 88,704 SH   SOLE   9,398 0 79,306
VANGUARD INDEX FDS REIT ETF 922908553 2,778 34,837 PRN   SOLE   638 0 34,198
VANGUARD INDEX FDS MID CAP ETF 922908629 3,651 30,400 SH   SOLE   2,918 0 27,482
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 271 8,278 SH   SOLE   138 0 8,140
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,835 158,899 SH   SOLE   20,554 0 138,345
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 3,192 47,827 SH   SOLE   1,398 0 46,429
VERIZON COMMUNICATIONS INC COM 92343V104 586 12,686 SH   SOLE   4,133 0 8,553
VISA INC COM CL A 92826C839 204 2,629 SH   SOLE   1,921 0 708
WALGREENS BOOTS ALLIANCE INC COM 931427108 225 2,645 SH   SOLE   910 0 1,735
WASHINGTONFIRST BANKSHARES I COM 940730104 947 41,808 SH   SOLE   0 0 41,808
WELLS FARGO & CO NEW COM 949746101 476 8,748 SH   SOLE   1,249 0 7,499
WELLTOWER INC COM 95040Q104 279 4,097 SH   SOLE   0 0 4,097
WISDOMTREE TR SMALLCAP DIVID 97717W604 274 4,225 SH   SOLE   0 0 4,225