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 395 2,895 SH   SOLE   0 0 2,895
ABBOTT LABS COM 002824100 214 2,707 SH   SOLE   0 0 2,707
ACTIVISION BLIZZARD INC COM 00507V109 395 6,642 SH   SOLE   0 0 6,642
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 355 1,823 SH   SOLE   0 0 1,823
ALPHA PRO TECH LTD COM 020772109 145 11,997 SH   SOLE   0 0 11,997
ALPHABET INC CAP STK CL A 02079K305 306 263 SH   SOLE   0 0 263
ALPHABET INC CAP STK CL C 02079K107 243 209 SH   SOLE   0 0 209
ALTRIA GROUP INC COM 02209S103 205 5,293 SH   SOLE   0 0 5,293
AMAZON COM INC COM 023135106 2,301 1,180 SH   SOLE   0 0 1,180
APPLE INC COM 037833100 4,846 19,055 SH   SOLE   0 0 19,055
AT&T INC COM 00206R102 475 16,285 SH   SOLE   0 0 16,285
BECTON DICKINSON & CO COM 075887109 299 1,301 SH   SOLE   0 0 1,301
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 482 2,638 SH   SOLE   0 0 2,638
BK OF AMERICA CORP COM 060505104 571 26,918 SH   SOLE   0 0 26,918
BLACKSTONE GROUP INC COM CL A 09260D107 428 9,402 SH   SOLE   0 0 9,402
CHESAPEAKE UTILS CORP COM 165303108 3,213 37,489 SH   SOLE   0 0 37,489
CHEVRON CORP NEW COM 166764100 390 5,382 SH   SOLE   0 0 5,382
CISCO SYS INC COM 17275R102 335 8,531 SH   SOLE   0 0 8,531
CO DIAGNOSTICS INC COM 189763105 127 16,650 SH   SOLE   0 0 16,650
COSTCO WHSL CORP NEW COM 22160K105 268 940 SH   SOLE   0 0 940
DISNEY WALT CO COM DISNEY 254687106 272 2,811 SH   SOLE   0 0 2,811
DOMINION ENERGY INC COM 25746U109 206 2,850 SH   SOLE   0 0 2,850
DOVER CORP COM 260003108 581 6,919 SH   SOLE   0 0 6,919
ETF SER SOLUTIONS US DIVERSIFIED 26922A511 208 8,637 SH   SOLE   0 0 8,637
EXXON MOBIL CORP COM 30231G102 529 13,926 SH   SOLE   0 0 13,926
FACEBOOK INC CL A 30303M102 1,519 9,109 SH   SOLE   0 0 9,109
FORD MTR CO DEL COM 345370860 121 25,141 SH   SOLE   0 0 25,141
GENERAL ELECTRIC CO COM 369604103 198 24,975 SH   SOLE   0 0 24,975
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 340 18,766 SH   SOLE   0 0 18,766
HOME DEPOT INC COM 437076102 1,373 7,354 SH   SOLE   0 0 7,354
ICU MED INC COM 44930G107 504 2,500 SH   SOLE   0 0 2,500
INOVIO PHARMACEUTICALS INC COM NEW 45773H201 187 25,175 SH   SOLE   0 0 25,175
INTEL CORP COM 458140100 434 8,015 SH   SOLE   0 0 8,015
INTERNATIONAL BUSINESS MACHS COM 459200101 531 4,790 SH   SOLE   0 0 4,790
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 1,611 76,665 SH   SOLE   0 0 76,665
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 494 23,562 SH   SOLE   0 0 23,562
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 HY 46138J601 2,289 99,516 SH   SOLE   0 0 99,516
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 HY 46138J809 1,330 60,082 SH   SOLE   0 0 60,082
ISHARES TR CORE S&P MCP ETF 464287507 15,404 107,077 SH   SOLE   0 0 107,077
ISHARES TR CORE S&P SCP ETF 464287804 427 7,614 SH   SOLE   0 0 7,614
ISHARES TR CORE S&P500 ETF 464287200 4,720 18,267 SH   SOLE   0 0 18,267
ISHARES TR RUS 1000 VAL ETF 464287598 1,450 14,621 SH   SOLE   0 0 14,621
ISHARES TR RUS 1000 GRW ETF 464287614 8,559 56,813 SH   SOLE   0 0 56,813
ISHARES TR MULTIFACTOR INTL 46434V274 5,852 288,868 SH   SOLE   0 0 288,868
ISHARES TR MULTIFACTOR USA 46434V282 4,341 164,134 SH   SOLE   0 0 164,134
ISHARES TR MULTIFACTOR USA 46434V290 920 30,893 SH   SOLE   0 0 30,893
JOHNSON & JOHNSON COM 478160104 1,076 8,209 SH   SOLE   0 0 8,209
JPMORGAN CHASE & CO COM 46625H100 225 2,498 SH   SOLE   0 0 2,498
MCDONALDS CORP COM 580135101 986 5,961 SH   SOLE   0 0 5,961
MICROSOFT CORP COM 594918104 1,229 7,793 SH   SOLE   0 0 7,793
MODERNA INC COM 60770K107 236 7,866 SH   SOLE   0 0 7,866
MONDELEZ INTL INC CL A 609207105 209 4,172 SH   SOLE   0 0 4,172
NIKE INC CL B 654106103 685 8,284 SH   SOLE   0 0 8,284
NORTHROP GRUMMAN CORP COM 666807102 651 2,152 SH   SOLE   0 0 2,152
PAYPAL HLDGS INC COM 70450Y103 907 9,475 SH   SOLE   0 0 9,475
PEPSICO INC COM 713448108 473 3,937 SH   SOLE   0 0 3,937
PFIZER INC COM 717081103 202 6,189 SH   SOLE   0 0 6,189
PHILIP MORRIS INTL INC COM 718172109 204 2,794 SH   SOLE   0 0 2,794
PRICE T ROWE GROUP INC COM 74144T108 1,401 14,346 SH   SOLE   0 0 14,346
PROCTER & GAMBLE CO COM 742718109 1,096 9,961 SH   SOLE   0 0 9,961
SALESFORCE COM INC COM 79466L302 761 5,288 SH   SOLE   0 0 5,288
SANDY SPRING BANCORP INC COM 800363103 305 13,492 SH   SOLE   0 0 13,492
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 36,083 802,191 SH   SOLE   0 0 802,191
SIRIUS XM HLDGS INC COM 82968B103 256 51,844 SH   SOLE   0 0 51,844
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,274 4,943 SH   SOLE   0 0 4,943
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 374 1,423 SH   SOLE   0 0 1,423
SPDR SER TR PORTFOLIO INTRMD 78464A375 274 8,044 SH   SOLE   0 0 8,044
SPDR SER TR PORTFOLIO SHORT 78464A474 933 30,835 SH   SOLE   0 0 30,835
SPROTT PHYSICAL GOLD TRUST UNIT 85207H104 220 16,802 SH   SOLE   0 0 16,802
STARBUCKS CORP COM 855244109 959 14,590 SH   SOLE   0 0 14,590
STRYKER CORP COM 863667101 239 1,433 SH   SOLE   0 0 1,433
TESLA INC COM 88160R101 334 637 SH   SOLE   0 0 637
UNDER ARMOUR INC CL A 904311107 109 11,816 SH   SOLE   0 0 11,816
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,159 8,992 SH   SOLE   0 0 8,992
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 259 7,717 SH   SOLE   0 0 7,717
VANGUARD WORLD FD ESG US STK ETF 921910733 237 5,177 SH   SOLE   0 0 5,177
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 8,281 60,085 SH   SOLE   0 0 60,085
VANGUARD WORLD FDS UTILITIES ETF 92204A876 349 2,866 SH   SOLE   0 0 2,866
VAXART INC COM NEW 92243A200 28 15,984 SH   SOLE   0 0 15,984
VERIZON COMMUNICATIONS INC COM 92343V104 422 7,850 SH   SOLE   0 0 7,850
VULCAN MATLS CO COM 929160109 223 2,064 SH   SOLE   0 0 2,064
WALMART INC COM 931142103 439 3,862 SH   SOLE   0 0 3,862
WASTE MGMT INC DEL COM 94106L109 321 3,472 SH   SOLE   0 0 3,472
WESBANCO INC COM 950810101 243 10,253 SH   SOLE   0 0 10,253
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 275 1,882 SH   SOLE   0 0 1,882