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
A T & T INC NEW COM 00206R102 554 23,427 SH   SOLE   0 0 23,427
ABBOTT LABORATORIES COM 002824100 2,011 16,989 SH   SOLE   0 0 16,989
ABBVIE INC COM 00287Y109 2,570 15,851 SH   SOLE   0 0 15,851
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 529 28,475 SH   SOLE   0 0 28,475
ADVANCED MICRO DEVICES INC COM 007903107 291 2,664 SH   SOLE   0 0 2,664
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 764 16,239 SH   SOLE   0 0 16,239
ALLSTATE CORP COM 020002101 624 4,506 SH   SOLE   0 0 4,506
ALTRIA GROUP INC COM 02209S103 240 4,585 SH   SOLE   0 0 4,585
AMAZON COM INC COM 023135106 6,015 1,845 SH   SOLE   0 0 1,845
AMERICAN EXPRESS CO COM 025816109 206 1,102 SH   SOLE   0 0 1,102
AMGEN INC COM 031162100 340 1,406 SH   SOLE   0 0 1,406
APPLE INC COM 037833100 28,855 165,255 SH   SOLE   0 0 165,255
AVALON GLOBOCARE CORP COM 05344R104 7 10,000 SH   SOLE   0 0 10,000
BANK AMER CORP COM 060505104 511 12,390 SH   SOLE   0 0 12,390
BAXTER INTERNATIONAL INC COM 071813109 322 4,152 SH   SOLE   0 0 4,152
BECTON DICKINSON & CO COM 075887109 256 962 SH   SOLE   0 0 962
BERKSHIRE HATHAWAY B NEW CLASS B COM 084670207 4,234 11,996 SH   SOLE   0 0 11,996
BLACKSTONE GROUP INC COM CL A 09253U108 275 2,165 SH   SOLE   0 0 2,165
BOEING CO COM 097023105 225 1,174 SH   SOLE   0 0 1,174
CAPITAL ONE FINL CORP COM 14040H105 5,640 42,958 SH   SOLE   0 0 42,958
CATERPILLAR INC DEL COM 149123101 304 1,365 SH   SOLE   0 0 1,365
CBOE HLDGS INC COM 12503M108 288 2,520 SH   SOLE   0 0 2,520
CHEVRON CORP NEW COM 166764100 387 2,379 SH   SOLE   0 0 2,379
CISCO SYS INC COM 17275R102 475 8,517 SH   SOLE   0 0 8,517
COCA COLA COMPANY COM 191216100 539 8,694 SH   SOLE   0 0 8,694
CONSOLIDATED EDISON INC COM 209115104 240 2,535 SH   SOLE   0 0 2,535
COSTCO WHSL CORP NEW COM 22160K105 1,625 2,821 SH   SOLE   0 0 2,821
DANAHER CORP COM 235851102 407 1,388 SH   SOLE   0 0 1,388
DEER & CO COM 244199105 919 2,212 SH   SOLE   0 0 2,212
DISNEY WALT CO COM DISNEY 254687106 1,198 8,737 SH   SOLE   0 0 8,737
DOMINION ENERGY INC COM 25746U109 395 4,648 SH   SOLE   0 0 4,648
EDWARDS LIFESCIENCES CORP COM 28176E108 286 2,429 SH   SOLE   0 0 2,429
EQUIFAX INC COM 294429105 237 1,000 SH   SOLE   0 0 1,000
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 397 6,753 SH   SOLE   0 0 6,753
EXXON MOBIL CORPORATION COM 30231G102 844 10,222 SH   SOLE   0 0 10,222
FACEBOOK INC CL A 30303M102 930 4,184 SH   SOLE   0 0 4,184
FIFTH THIRD BANCORP COM 316773100 307 7,137 SH   SOLE   0 0 7,137
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506 409 8,345 SH   SOLE   0 0 8,345
FORD MTR CO DEL COM PAR $0.01 345370860 223 13,174 SH   SOLE   0 0 13,174
GLOBAL X FDS AUTONMOUS EV ETF 37954Y624 395 14,345 SH   SOLE   0 0 14,345
GOOGLE INC CL C 38259P706 3,921 1,404 SH   SOLE   0 0 1,404
GOOGLE INC CL A 38259P508 804 289 SH   SOLE   0 0 289
HERSHEY CO CL A 427866108 325 1,500 SH   SOLE   0 0 1,500
HOME DEPOT INC COM 437076102 747 2,494 SH   SOLE   0 0 2,494
INTEL CORP COM 458140100 495 9,993 SH   SOLE   0 0 9,993
INTL BUSINESS MACHINES COM 459200101 270 2,080 SH   SOLE   0 0 2,080
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 201 3,000 SH   SOLE   0 0 3,000
ISHARES CORE S&P500 ETF 464287200 7,418 16,350 SH   SOLE   0 0 16,350
ISHARES RUSSELL1000GRW 464287614 37,832 136,266 SH   SOLE   0 0 136,266
ISHARES RUSSELL1000VAL 464287598 40,321 242,926 SH   SOLE   0 0 242,926
ISHARES RUSSELL MCP VL 464287473 1,948 16,283 SH   SOLE   0 0 16,283
ISHARES RUSSELL MIDCAP 464287499 3,612 46,279 SH   SOLE   0 0 46,279
iSHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 216 3,890 SH   SOLE   0 0 3,890
ISHARES GOLD TRUST ISHARES 464285105 65,535 1,779,390 SH   SOLE   0 0 1,779,390
ISHARES S&P GSCI COMMODITY UNIT BEN INT 46428R107 200 8,850 SH   SOLE   0 0 8,850
iSHARES TR CORE S&P MCP ETF 464287507 628 2,341 SH   SOLE   0 0 2,341
ISHARES TR MSCI INDIA ETF 46429B598 210 4,705 SH   SOLE   0 0 4,705
ISHARES TR RUS 1000 ETF 464287622 1,327 5,305 SH   SOLE   0 0 5,305
ISHARES TR RUS MD CP GR ETF 464287481 1,688 16,794 SH   SOLE   0 0 16,794
ISHARES TR CORE US AGGBD ET 464287226 235 2,198 SH   SOLE   0 0 2,198
ISHARES TR 1 3 YR TREAS BD 464287457 245 2,940 SH   SOLE   0 0 2,940
ISHARES TR TIPS BD ETF 464287176 244 1,956 SH   SOLE   0 0 1,956
JOHNSON & JOHNSON COM 478160104 902 5,092 SH   SOLE   0 0 5,092
JPMORGAN CHASE & CO COM 46625H100 685 5,027 SH   SOLE   0 0 5,027
LILLY ELI & CO COM 532457108 451 1,574 SH   SOLE   0 0 1,574
MASTERCARD INCORPORATED CL A 57636Q104 207 580 SH   SOLE   0 0 580
MC DONALDS CORP COM 580135101 1,951 7,888 SH   SOLE   0 0 7,888
MERCK & CO INC NEW COM 58933Y105 510 6,221 SH   SOLE   0 0 6,221
MICROSOFT CORP COM 594918104 9,183 29,785 SH   SOLE   0 0 29,785
MODERNA INC COM 60770K107 223 1,295 SH   SOLE   0 0 1,295
NETFLIX INC COM 64110L106 368 983 SH   SOLE   0 0 983
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 293 6,685 SH   SOLE   0 0 6,685
NVIDIA CORP COM 67066G104 1,973 7,229 SH   SOLE   0 0 7,229
ORACLE CORPORATION COM 68389X105 1,342 16,217 SH   SOLE   0 0 16,217
PEPSICO INCORPORATED COM 713448108 1,171 6,996 SH   SOLE   0 0 6,996
PFIZER INCORPORATED COM 717081103 1,663 32,132 SH   SOLE   0 0 32,132
PHILIP MORRIS INTL INC COM 718172109 231 2,464 SH   SOLE   0 0 2,464
PNC FINL SVCS GROUP INC COM 693475105 254 1,376 SH   SOLE   0 0 1,376
POWERSHS QQQ TRUST SER 1 UNIT SER 1 73935A104 6,200 17,101 SH   SOLE   0 0 17,101
PROCTER & GAMBLE COM 742718109 425 2,782 SH   SOLE   0 0 2,782
PROSHARES TR SHT 7-10 YR TR 74348A608 357 13,815 SH   SOLE   0 0 13,815
PROSHARES TR SHRT 20+YR TRE 74347X849 450 25,410 SH   SOLE   0 0 25,410
PTC THERAPEUTICS INC COM 69366J200 239 6,413 SH   SOLE   0 0 6,413
QUALCOMM INC COM 747525103 495 3,236 SH   SOLE   0 0 3,236
RAYTHEON TECHNOLOGIES CORP COM 75513E101 265 2,673 SH   SOLE   0 0 2,673
SANDY SPRING BANCORP INC COM 800363103 615 13,699 SH   SOLE   0 0 13,699
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 24,375 341,429 SH   SOLE   0 0 341,429
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 26,369 352,432 SH   SOLE   0 0 352,432
SCHWAB STRATEGIC TR US DIV EQT ETF 808524797 11,367 144,089 SH   SOLE   0 0 144,089
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 34,467 454,356 SH   SOLE   0 0 454,356
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 4,363 135,336 SH   SOLE   0 0 135,336
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 207 1,305 SH   SOLE   0 0 1,305
SHOPIFY INC CL A 82509L107 477 705 SH   SOLE   0 0 705
SOUTHERN CO COM 842587107 250 3,451 SH   SOLE   0 0 3,451
SPDR GOLD TRUST SPDR GOLD SHARES GOLD SHS 78463V107 5,965 33,019 SH   SOLE   0 0 33,019
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,817 23,950 SH   SOLE   0 0 23,950
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 786 6,136 SH   SOLE   0 0 6,136
SPROTT PHYSICAL GOLD TRUST UNIT 85207H104 247 16,060 SH   SOLE   0 0 16,060
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107 595 67,821 SH   SOLE   0 0 67,821
TESLA INC COM 88160R101 4,032 3,742 SH   SOLE   0 0 3,742
UNION PAC CORP COM 907818108 230 842 SH   SOLE   0 0 842
UNITED PARCEL SERVICE INC CL B 911312106 267 1,247 SH   SOLE   0 0 1,247
UNITED STS COMMODITY INDEX F CM REP COPP FD 911718104 973 33,902 SH   SOLE   0 0 33,902
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 221 2,835 SH   SOLE   0 0 2,835
VANGUARD DIV APPRCIATION DIV APP ETF 921908844 1,125 6,936 SH   SOLE   0 0 6,936
VANGUARD INDEX FDS VALUE ETF 922908744 50,816 343,860 SH   SOLE   0 0 343,860
VANGUARD INDEX FDS TOTAL STK MKT 922908769 32,271 141,746 SH   SOLE   0 0 141,746
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 31,152 75,035 SH   SOLE   0 0 75,035
VANGUARD INDEX FDS GROWTH ETF 922908736 30,721 106,819 SH   SOLE   0 0 106,819
VANGUARD INDEX FDS MID CAP ETF 922908629 48,229 202,780 SH   SOLE   0 0 202,780
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,436 11,462 SH   SOLE   0 0 11,462
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,960 13,095 SH   SOLE   0 0 13,095
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 32,402 454,065 SH   SOLE   0 0 454,065
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,578 116,145 SH   SOLE   0 0 116,145
VANGUARD WORLD FDS INF TECH ETF 92204A702 211 506 SH   SOLE   0 0 506
VERIZON COMMUNICATIONS COM 92343V104 675 13,242 SH   SOLE   0 0 13,242
VISA INC COM CL A 92826C839 456 2,056 SH   SOLE   0 0 2,056
WALGREENS BOOTS ALLIANCE INC COM 031427108 609 13,607 SH   SOLE   0 0 13,607
WILLIAMS SONOMA INC COM 969904101 4,716 32,524 SH   SOLE   0 0 32,524
WISDOMTREE TRUST DIV EX-FINL FD 97717W406 1,672 16,875 SH   SOLE   0 0 16,875
WISDOMTREE TRUST LARGECAP DIVID 97717W307 3,094 47,080 SH   SOLE   0 0 47,080