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
ISHARES TR RUS 1000 GRW ETF 464287614 8,295 54,801 SH   SOLE   0 0 54,801
MONDELEZ INTL INC CL A 609207105 208 4,167 SH   SOLE   0 0 4,167
3M CO COM 88579Y101 633 3,048 SH   SOLE   0 0 3,048
INTEL CORP COM 458140100 325 6,055 SH   SOLE   0 0 6,055
ICU MED INC COM 44930G107 598 2,500 SH   SOLE   0 0 2,500
MCDONALDS CORP COM 580135101 1,105 5,821 SH   SOLE   0 0 5,821
DOMINION ENERGY INC COM 25746U109 235 3,070 SH   SOLE   0 0 3,070
WASTE MGMT INC DEL COM 94106L109 361 3,472 SH   SOLE   0 0 3,472
STARBUCKS CORP COM 855244109 1,112 14,952 SH   SOLE   0 0 14,952
MICROSOFT CORP COM 594918104 746 6,321 SH   SOLE   0 0 6,321
EXXON MOBIL CORP COM 30231G102 1,237 15,315 SH   SOLE   0 0 15,315
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 10,022 69,016 SH   SOLE   0 0 69,016
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 25,675 491,102 SH   SOLE   0 0 491,102
CISCO SYS INC COM 17275R102 387 7,173 SH   SOLE   0 0 7,173
BLACKSTONE GROUP L P COM UNIT LTD 09253U108 332 9,495 SH   SOLE   0 0 9,495
BB&T CORP COM 054937107 296 6,363 SH   SOLE   0 0 6,363
NORTHROP GRUMMAN CORP COM 666807102 604 2,240 SH   SOLE   0 0 2,240
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 341 8,020 SH   SOLE   0 0 8,020
MORGAN STANLEY COM NEW 617446448 201 4,765 SH   SOLE   0 0 4,765
HOME DEPOT INC COM 437076102 1,314 6,847 SH   SOLE   0 0 6,847
ISHARES TR MULTIFACTOR INTL 46434V274 4,766 181,027 SH   SOLE   0 0 181,027
INVESCO EXCH TRD SLF IDX FD BULSHS 2019 CB 46138J304 999 47,425 SH   SOLE   0 0 47,425
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,315 9,087 SH   SOLE   0 0 9,087
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 486 2,666 SH   SOLE   0 0 2,666
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 575 2,861 SH   SOLE   0 0 2,861
HONEYWELL INTL INC COM 438516106 202 1,273 SH   SOLE   0 0 1,273
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 HY 46138J809 222 8,977 SH   SOLE   0 0 8,977
STRYKER CORP COM 863667101 280 1,416 SH   SOLE   0 0 1,416
PHILIP MORRIS INTL INC COM 718172109 230 2,597 SH   SOLE   0 0 2,597
PAYPAL HLDGS INC COM 70450Y103 1,009 9,718 SH   SOLE   0 0 9,718
WALMART INC COM 931142103 386 3,955 SH   SOLE   0 0 3,955
INVESCO EXCH TRD SLF IDX FD BULSHS 2019 HY 46138J403 1,539 64,142 SH   SOLE   0 0 64,142
CSX CORP COM 126408103 248 3,313 SH   SOLE   0 0 3,313
ISHARES TR MULTIFACTOR USA 46434V282 4,097 132,030 SH   SOLE   0 0 132,030
CHEVRON CORP NEW COM 166764100 660 5,354 SH   SOLE   0 0 5,354
VERIZON COMMUNICATIONS INC COM 92343V104 444 7,508 SH   SOLE   0 0 7,508
ALTRIA GROUP INC COM 02209S103 265 4,618 SH   SOLE   0 0 4,618
AMGEN INC COM 031162100 400 2,107 SH   SOLE   0 0 2,107
AMAZON COM INC COM 023135106 2,019 1,134 SH   SOLE   0 0 1,134
DOWDUPONT INC COM 26078J100 235 4,417 SH   SOLE   0 0 4,417
JPMORGAN CHASE & CO COM 46625H100 211 2,081 SH   SOLE   0 0 2,081
VANGUARD WORLD FDS UTILITIES ETF 92204A876 371 2,866 SH   SOLE   0 0 2,866
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 492 1,423 SH   SOLE   0 0 1,423
COSTCO WHSL CORP NEW COM 22160K105 222 917 SH   SOLE   0 0 917
BOEING CO COM 097023105 598 1,567 SH   SOLE   0 0 1,567
DOVER CORP COM 260003108 649 6,919 SH   SOLE   0 0 6,919
SALESFORCE COM INC COM 79466L302 870 5,492 SH   SOLE   0 0 5,492
CHESAPEAKE UTILS CORP COM 165303108 3,419 37,489 SH   SOLE   0 0 37,489
SANDY SPRING BANCORP INC COM 800363103 418 13,364 SH   SOLE   0 0 13,364
BECTON DICKINSON & CO COM 075887109 324 1,298 SH   SOLE   0 0 1,298
FEDERAL REALTY INVT TR SH BEN INT NEW 313747206 401 2,908 SH   SOLE   0 0 2,908
PFIZER INC COM 717081103 272 6,406 SH   SOLE   0 0 6,406
ACTIVISION BLIZZARD INC COM 00507V109 397 8,722 SH   SOLE   0 0 8,722
PNC FINL SVCS GROUP INC COM 693475105 268 2,186 SH   SOLE   0 0 2,186
ISHARES TR MULTIFACTOR USA 46434V290 1,479 36,882 SH   SOLE   0 0 36,882
BANK AMER CORP COM 060505104 689 24,985 SH   SOLE   0 0 24,985
SIRIUS XM HLDGS INC COM 82968B103 294 51,840 SH   SOLE   0 0 51,840
FORD MTR CO DEL COM 345370860 122 13,916 SH   SOLE   0 0 13,916
JOHNSON & JOHNSON COM 478160104 1,108 7,928 SH   SOLE   0 0 7,928
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 HY 46138J601 746 30,961 SH   SOLE   0 0 30,961
LOUISIANA PAC CORP COM 546347105 313 12,843 SH   SOLE   0 0 12,843
VULCAN MATLS CO COM 929160109 334 2,825 SH   SOLE   0 0 2,825
PEPSICO INC COM 713448108 388 3,165 SH   SOLE   0 0 3,165
PROCTER AND GAMBLE CO COM 742718109 982 9,437 SH   SOLE   0 0 9,437
EXELON CORP COM 30161N101 236 4,714 SH   SOLE   0 0 4,714
ISHARES TR RUS 1000 VAL ETF 464287598 1,392 11,270 SH   SOLE   0 0 11,270
FACEBOOK INC CL A 30303M102 1,884 11,305 SH   SOLE   0 0 11,305
AUTOMATIC DATA PROCESSING IN COM 053015103 219 1,368 SH   SOLE   0 0 1,368
HOWARD BANCORP INC COM 442496105 164 11,052 SH   SOLE   0 0 11,052
PRICE T ROWE GROUP INC COM 74144T108 1,430 14,284 SH   SOLE   0 0 14,284
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 844 27,625 SH   SOLE   0 0 27,625
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 932 43,934 SH   SOLE   0 0 43,934
ABBOTT LABS COM 002824100 208 2,599 SH   SOLE   0 0 2,599
ALPHABET INC CAP STK CL A 02079K305 214 182 SH   SOLE   0 0 182
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 214 6,275 SH   SOLE   0 0 6,275
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,289 4,563 SH   SOLE   0 0 4,563
APPLE INC COM 037833100 3,304 17,395 SH   SOLE   0 0 17,395
SPROTT PHYSICAL GOLD TRUST UNIT 85207H104 457 43,726 SH   SOLE   0 0 43,726
AT&T INC COM 00206R102 422 13,470 SH   SOLE   0 0 13,470
ISHARES TR CORE S&P MCP ETF 464287507 18,422 97,266 SH   SOLE   0 0 97,266
INTERNATIONAL BUSINESS MACHS COM 459200101 687 4,872 SH   SOLE   0 0 4,872