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
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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
MONDELEZ INTL INC CL A 609207105 225 4,167 SH   SOLE   0 0 4,167
ISHARES TR RUS 1000 GRW ETF 464287614 8,418 53,505 SH   SOLE   0 0 53,505
3M CO COM 88579Y101 513 2,958 SH   SOLE   0 0 2,958
INTEL CORP COM 458140100 358 7,481 SH   SOLE   0 0 7,481
ICU MED INC COM 44930G107 630 2,500 SH   SOLE   0 0 2,500
DOMINION ENERGY INC COM 25746U109 220 2,850 SH   SOLE   0 0 2,850
MCDONALDS CORP COM 580135101 1,209 5,822 SH   SOLE   0 0 5,822
STARBUCKS CORP COM 855244109 1,228 14,650 SH   SOLE   0 0 14,650
WASTE MGMT INC DEL COM 94106L109 401 3,472 SH   SOLE   0 0 3,472
MICROSOFT CORP COM 594918104 853 6,370 SH   SOLE   0 0 6,370
EXXON MOBIL CORP COM 30231G102 1,118 14,586 SH   SOLE   0 0 14,586
CISCO SYS INC COM 17275R102 382 6,978 SH   SOLE   0 0 6,978
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 10,046 67,528 SH   SOLE   0 0 67,528
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 27,834 524,482 SH   SOLE   0 0 524,482
ALPHABET INC CAP STK CL C 02079K107 214 198 SH   SOLE   0 0 198
BLACKSTONE GROUP L P COM UNIT LTD 09253U108 401 9,028 SH   SOLE   0 0 9,028
NORTHROP GRUMMAN CORP COM 666807102 693 2,146 SH   SOLE   0 0 2,146
BB&T CORP COM 054937107 313 6,361 SH   SOLE   0 0 6,361
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,348 8,983 SH   SOLE   0 0 8,983
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 325 7,648 SH   SOLE   0 0 7,648
HOME DEPOT INC COM 437076102 1,440 6,925 SH   SOLE   0 0 6,925
MORGAN STANLEY COM NEW 617446448 209 4,762 SH   SOLE   0 0 4,762
ISHARES TR MULTIFACTOR INTL 46434V274 6,087 231,805 SH   SOLE   0 0 231,805
INVESCO EXCH TRD SLF IDX FD BULSHS 2019 CB 46138J304 904 42,866 SH   SOLE   0 0 42,866
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 539 2,527 SH   SOLE   0 0 2,527
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 381 2,249 SH   SOLE   0 0 2,249
HONEYWELL INTL INC COM 438516106 222 1,273 SH   SOLE   0 0 1,273
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 HY 46138J809 259 10,485 SH   SOLE   0 0 10,485
STRYKER CORP COM 863667101 291 1,416 SH   SOLE   0 0 1,416
PHILIP MORRIS INTL INC COM 718172109 224 2,847 SH   SOLE   0 0 2,847
DISNEY WALT CO COM DISNEY 254687106 316 2,265 SH   SOLE   0 0 2,265
PAYPAL HLDGS INC COM 70450Y103 1,186 10,366 SH   SOLE   0 0 10,366
WALMART INC COM 931142103 437 3,955 SH   SOLE   0 0 3,955
CSX CORP COM 126408103 258 3,334 SH   SOLE   0 0 3,334
INVESCO EXCH TRD SLF IDX FD BULSHS 2019 HY 46138J403 1,557 65,023 SH   SOLE   0 0 65,023
ISHARES TR MULTIFACTOR USA 46434V282 5,159 162,446 SH   SOLE   0 0 162,446
CHEVRON CORP NEW COM 166764100 675 5,421 SH   SOLE   0 0 5,421
METLIFE INC COM 59156R108 231 4,643 SH   SOLE   0 0 4,643
ALTRIA GROUP INC COM 02209S103 259 5,468 SH   SOLE   0 0 5,468
VERIZON COMMUNICATIONS INC COM 92343V104 376 6,581 SH   SOLE   0 0 6,581
AMGEN INC COM 031162100 375 2,037 SH   SOLE   0 0 2,037
AMAZON COM INC COM 023135106 2,517 1,329 SH   SOLE   0 0 1,329
JPMORGAN CHASE & CO COM 46625H100 221 1,978 SH   SOLE   0 0 1,978
VANGUARD WORLD FDS UTILITIES ETF 92204A876 381 2,866 SH   SOLE   0 0 2,866
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 505 1,423 SH   SOLE   0 0 1,423
BOEING CO COM 097023105 537 1,476 SH   SOLE   0 0 1,476
COSTCO WHSL CORP NEW COM 22160K105 242 917 SH   SOLE   0 0 917
DOVER CORP COM 260003108 717 7,159 SH   SOLE   0 0 7,159
SALESFORCE COM INC COM 79466L302 831 5,480 SH   SOLE   0 0 5,480
CHESAPEAKE UTILS CORP COM 165303108 3,562 37,489 SH   SOLE   0 0 37,489
SANDY SPRING BANCORP INC COM 800363103 466 13,364 SH   SOLE   0 0 13,364
BECTON DICKINSON & CO COM 075887109 329 1,304 SH   SOLE   0 0 1,304
FEDERAL REALTY INVT TR SH BEN INT NEW 313747206 328 2,549 SH   SOLE   0 0 2,549
PFIZER INC COM 717081103 239 5,527 SH   SOLE   0 0 5,527
ACTIVISION BLIZZARD INC COM 00507V109 496 10,511 SH   SOLE   0 0 10,511
PNC FINL SVCS GROUP INC COM 693475105 274 1,998 SH   SOLE   0 0 1,998
ISHARES TR MULTIFACTOR USA 46434V290 1,393 34,562 SH   SOLE   0 0 34,562
BANK AMER CORP COM 060505104 767 26,444 SH   SOLE   0 0 26,444
SIRIUS XM HLDGS INC COM 82968B103 289 51,840 SH   SOLE   0 0 51,840
FORD MTR CO DEL COM 345370860 164 16,035 SH   SOLE   0 0 16,035
JOHNSON & JOHNSON COM 478160104 1,081 7,765 SH   SOLE   0 0 7,765
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 HY 46138J601 1,152 47,826 SH   SOLE   0 0 47,826
LOUISIANA PAC CORP COM 546347105 296 11,292 SH   SOLE   0 0 11,292
VULCAN MATLS CO COM 929160109 357 2,602 SH   SOLE   0 0 2,602
UNDER ARMOUR INC CL A 904311107 234 9,230 SH   SOLE   0 0 9,230
PEPSICO INC COM 713448108 403 3,077 SH   SOLE   0 0 3,077
EXELON CORP COM 30161N101 226 4,720 SH   SOLE   0 0 4,720
PROCTER AND GAMBLE CO COM 742718109 1,036 9,444 SH   SOLE   0 0 9,444
ISHARES TR RUS 1000 VAL ETF 464287598 1,381 10,853 SH   SOLE   0 0 10,853
FACEBOOK INC CL A 30303M102 2,111 10,939 SH   SOLE   0 0 10,939
PRICE T ROWE GROUP INC COM 74144T108 1,567 14,287 SH   SOLE   0 0 14,287
HOWARD BANCORP INC COM 442496105 168 11,052 SH   SOLE   0 0 11,052
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 952 30,933 SH   SOLE   0 0 30,933
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 1,561 73,428 SH   SOLE   0 0 73,428
ALPHABET INC CAP STK CL A 02079K305 202 187 SH   SOLE   0 0 187
ABBOTT LABS COM 002824100 228 2,708 SH   SOLE   0 0 2,708
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 366 10,483 SH   SOLE   0 0 10,483
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,338 4,565 SH   SOLE   0 0 4,565
APPLE INC COM 037833100 3,595 18,164 SH   SOLE   0 0 18,164
SPROTT PHYSICAL GOLD TRUST UNIT 85207H104 190 16,802 SH   SOLE   0 0 16,802
AT&T INC COM 00206R102 446 13,309 SH   SOLE   0 0 13,309
ISHARES TR CORE S&P MCP ETF 464287507 19,563 100,704 SH   SOLE   0 0 100,704
INTERNATIONAL BUSINESS MACHS COM 459200101 663 4,806 SH   SOLE   0 0 4,806