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 536 3,039 SH   SOLE   0 0 3,039
ABBOTT LABS COM 002824100 239 2,748 SH   SOLE   0 0 2,748
ACTIVISION BLIZZARD INC COM 00507V109 524 8,818 SH   SOLE   0 0 8,818
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 423 1,994 SH   SOLE   0 0 1,994
ALPHABET INC CAP STK CL C 02079K107 309 231 SH   SOLE   0 0 231
ALPHABET INC CAP STK CL A 02079K305 316 236 SH   SOLE   0 0 236
ALTRIA GROUP INC COM 02209S103 264 5,298 SH   SOLE   0 0 5,298
AMAZON COM INC COM 023135106 2,094 1,133 SH   SOLE   0 0 1,133
AMGEN INC COM 031162100 231 958 SH   SOLE   0 0 958
APPLE INC COM 037833100 5,429 18,489 SH   SOLE   0 0 18,489
AT&T INC COM 00206R102 676 17,298 SH   SOLE   0 0 17,298
AUTOMATIC DATA PROCESSING IN COM 053015103 203 1,193 SH   SOLE   0 0 1,193
BANK AMER CORP COM 060505104 956 27,150 SH   SOLE   0 0 27,150
BECTON DICKINSON & CO COM 075887109 353 1,298 SH   SOLE   0 0 1,298
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 549 2,426 SH   SOLE   0 0 2,426
BLACKSTONE GROUP INC COM CL A 09260D107 522 9,326 SH   SOLE   0 0 9,326
BOEING CO COM 097023105 467 1,435 SH   SOLE   0 0 1,435
BRISTOL MYERS SQUIBB CO COM 110122108 237 3,693 SH   SOLE   0 0 3,693
CAPITAL ONE FINL CORP COM 14040H105 217 2,106 SH   SOLE   0 0 2,106
CHESAPEAKE UTILS CORP COM 165303108 3,593 37,489 SH   SOLE   0 0 37,489
CHEVRON CORP NEW COM 166764100 663 5,505 SH   SOLE   0 0 5,505
CISCO SYS INC COM 17275R102 419 8,726 SH   SOLE   0 0 8,726
COMCAST CORP NEW CL A 20030N101 226 5,031 SH   SOLE   0 0 5,031
COSTCO WHSL CORP NEW COM 22160K105 274 932 SH   SOLE   0 0 932
CSX CORP COM 126408103 240 3,313 SH   SOLE   0 0 3,313
DISNEY WALT CO COM DISNEY 254687106 442 3,054 SH   SOLE   0 0 3,054
DOMINION ENERGY INC COM 25746U109 236 2,850 SH   SOLE   0 0 2,850
DOVER CORP COM 260003108 801 6,951 SH   SOLE   0 0 6,951
EMERSON ELEC CO COM 291011104 220 2,890 SH   SOLE   0 0 2,890
EXELON CORP COM 30161N101 216 4,735 SH   SOLE   0 0 4,735
EXXON MOBIL CORP COM 30231G102 1,065 15,255 SH   SOLE   0 0 15,255
FACEBOOK INC CL A 30303M102 1,974 9,619 SH   SOLE   0 0 9,619
FEDERAL REALTY INVT TR SH BEN INT NEW 313747206 328 2,549 SH   SOLE   0 0 2,549
FORD MTR CO DEL COM 345370860 157 16,843 SH   SOLE   0 0 16,843
GENERAL ELECTRIC CO COM 369604103 280 25,095 SH   SOLE   0 0 25,095
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 394 18,020 SH   SOLE   0 0 18,020
HOME DEPOT INC COM 437076102 1,552 7,106 SH   SOLE   0 0 7,106
HONEYWELL INTL INC COM 438516106 238 1,343 SH   SOLE   0 0 1,343
ICU MED INC COM 44930G107 468 2,500 SH   SOLE   0 0 2,500
INTEL CORP COM 458140100 480 8,014 SH   SOLE   0 0 8,014
INTERNATIONAL BUSINESS MACHS COM 459200101 647 4,826 SH   SOLE   0 0 4,826
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 HY 46138J809 765 30,983 SH   SOLE   0 0 30,983
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 HY 46138J601 1,850 77,309 SH   SOLE   0 0 77,309
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 493 23,210 SH   SOLE   0 0 23,210
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 1,632 76,665 SH   SOLE   0 0 76,665
ISHARES TR RUS 1000 GRW ETF 464287614 9,428 53,590 SH   SOLE   0 0 53,590
ISHARES TR MULTIFACTOR INTL 46434V274 7,049 260,587 SH   SOLE   0 0 260,587
ISHARES TR CORE S&P500 ETF 464287200 4,158 12,863 SH   SOLE   0 0 12,863
ISHARES TR MULTIFACTOR USA 46434V282 5,826 168,981 SH   SOLE   0 0 168,981
ISHARES TR CORE S&P SCP ETF 464287804 322 3,837 SH   SOLE   0 0 3,837
ISHARES TR MULTIFACTOR USA 46434V290 1,478 34,447 SH   SOLE   0 0 34,447
ISHARES TR RUS 1000 VAL ETF 464287598 1,626 11,912 SH   SOLE   0 0 11,912
ISHARES TR CORE S&P MCP ETF 464287507 21,390 103,925 SH   SOLE   0 0 103,925
JOHNSON & JOHNSON COM 478160104 1,225 8,395 SH   SOLE   0 0 8,395
JPMORGAN CHASE & CO COM 46625H100 346 2,483 SH   SOLE   0 0 2,483
LOUISIANA PAC CORP COM 546347105 263 8,864 SH   SOLE   0 0 8,864
MCDONALDS CORP COM 580135101 1,161 5,876 SH   SOLE   0 0 5,876
METLIFE INC COM 59156R108 239 4,699 SH   SOLE   0 0 4,699
MICROSOFT CORP COM 594918104 1,172 7,429 SH   SOLE   0 0 7,429
MONDELEZ INTL INC CL A 609207105 230 4,170 SH   SOLE   0 0 4,170
MORGAN STANLEY COM NEW 617446448 220 4,309 SH   SOLE   0 0 4,309
NORTHROP GRUMMAN CORP COM 666807102 741 2,154 SH   SOLE   0 0 2,154
PAYPAL HLDGS INC COM 70450Y103 1,120 10,353 SH   SOLE   0 0 10,353
PEPSICO INC COM 713448108 537 3,928 SH   SOLE   0 0 3,928
PFIZER INC COM 717081103 293 7,482 SH   SOLE   0 0 7,482
PHILIP MORRIS INTL INC COM 718172109 246 2,888 SH   SOLE   0 0 2,888
PNC FINL SVCS GROUP INC COM 693475105 331 2,076 SH   SOLE   0 0 2,076
PRICE T ROWE GROUP INC COM 74144T108 1,747 14,340 SH   SOLE   0 0 14,340
PROCTER & GAMBLE CO COM 742718109 1,215 9,726 SH   SOLE   0 0 9,726
SALESFORCE COM INC COM 79466L302 867 5,330 SH   SOLE   0 0 5,330
SANDY SPRING BANCORP INC COM 800363103 511 13,492 SH   SOLE   0 0 13,492
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 35,814 618,333 SH   SOLE   0 0 618,333
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 233 6,929 SH   SOLE   0 0 6,929
SIRIUS XM HLDGS INC COM 82968B103 371 51,842 SH   SOLE   0 0 51,842
SPDR GOLD TRUST GOLD SHS 78463V107 249 1,739 SH   SOLE   0 0 1,739
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,440 4,475 SH   SOLE   0 0 4,475
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 534 1,423 SH   SOLE   0 0 1,423
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 954 30,933 SH   SOLE   0 0 30,933
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 284 8,044 SH   SOLE   0 0 8,044
SPROTT PHYSICAL GOLD TRUST UNIT 85207H104 205 16,802 SH   SOLE   0 0 16,802
STARBUCKS CORP COM 855244109 1,256 14,288 SH   SOLE   0 0 14,288
STRYKER CORP COM 863667101 301 1,433 SH   SOLE   0 0 1,433
TESLA INC COM 88160R101 306 731 SH   SOLE   0 0 731
TRUIST FINL CORP COM 89832Q109 382 6,779 SH   SOLE   0 0 6,779
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,471 8,989 SH   SOLE   0 0 8,989
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 341 7,671 SH   SOLE   0 0 7,671
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 9,713 60,252 SH   SOLE   0 0 60,252
VANGUARD WORLD FDS UTILITIES ETF 92204A876 410 2,866 SH   SOLE   0 0 2,866
VERIZON COMMUNICATIONS INC COM 92343V104 524 8,531 SH   SOLE   0 0 8,531
VULCAN MATLS CO COM 929160109 333 2,311 SH   SOLE   0 0 2,311
WALMART INC COM 931142103 500 4,207 SH   SOLE   0 0 4,207
WASTE MGMT INC DEL COM 94106L109 429 3,762 SH   SOLE   0 0 3,762
WESBANCO INC COM 950810101 387 10,253 SH   SOLE   0 0 10,253