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
ISHARES TR CORE S&P MCP ETF 464287507 19,328 108,695 SH   SOLE   0 0 108,695
ISHARES TR CORE S&P SCP ETF 464287804 1,042 15,265 SH   SOLE   0 0 15,265
ISHARES TR CORE S&P500 ETF 464287200 7,411 23,931 SH   SOLE   0 0 23,931
ISHARES TR RUS 1000 VAL ETF 464287598 1,841 16,348 SH   SOLE   0 0 16,348
ISHARES TR RUS 1000 GRW ETF 464287614 10,865 56,602 SH   SOLE   0 0 56,602
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 462 1,423 SH   SOLE   0 0 1,423
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,704 5,526 SH   SOLE   0 0 5,526
AMAZON COM INC COM 023135106 3,253 1,179 SH   SOLE   0 0 1,179
BRISTOL-MYERS SQUIBB CO COM 110122108 235 4,005 SH   SOLE   0 0 4,005
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 581 3,253 SH   SOLE   0 0 3,253
BOEING CO COM 097023105 231 1,258 SH   SOLE   0 0 1,258
AMGEN INC COM 031162100 238 1,008 SH   SOLE   0 0 1,008
ABBOTT LABS COM 002824100 283 3,093 SH   SOLE   0 0 3,093
ALTRIA GROUP INC COM 02209S103 209 5,331 SH   SOLE   0 0 5,331
INTEL CORP COM 458140100 478 7,983 SH   SOLE   0 0 7,983
DISNEY WALT CO COM DISNEY 254687106 283 2,542 SH   SOLE   0 0 2,542
JOHNSON & JOHNSON COM 478160104 1,239 8,811 SH   SOLE   0 0 8,811
PFIZER INC COM 717081103 311 9,502 SH   SOLE   0 0 9,502
LOWES COS INC COM 548661107 221 1,635 SH   SOLE   0 0 1,635
CHEVRON CORP NEW COM 166764100 488 5,473 SH   SOLE   0 0 5,473
MICROSOFT CORP COM 594918104 1,641 8,065 SH   SOLE   0 0 8,065
AT&T INC COM 00206R102 519 17,183 SH   SOLE   0 0 17,183
TRUIST FINL CORP COM 89832Q109 234 6,226 SH   SOLE   0 0 6,226
CISCO SYS INC COM 17275R102 409 8,766 SH   SOLE   0 0 8,766
INTERNATIONAL BUSINESS MACHS COM 459200101 581 4,814 SH   SOLE   0 0 4,814
PEPSICO INC COM 713448108 547 4,135 SH   SOLE   0 0 4,135
STRYKER CORPORATION COM 863667101 259 1,437 SH   SOLE   0 0 1,437
VERIZON COMMUNICATIONS INC COM 92343V104 468 8,481 SH   SOLE   0 0 8,481
BK OF AMERICA CORP COM 060505104 638 26,851 SH   SOLE   0 0 26,851
STARBUCKS CORP COM 855244109 1,065 14,471 SH   SOLE   0 0 14,471
EXXON MOBIL CORP COM 30231G102 622 13,908 SH   SOLE   0 0 13,908
WALMART INC COM 931142103 492 4,106 SH   SOLE   0 0 4,106
COSTCO WHSL CORP NEW COM 22160K105 302 997 SH   SOLE   0 0 997
DOMINION ENERGY INC COM 25746U109 249 3,062 SH   SOLE   0 0 3,062
MORGAN STANLEY COM NEW 617446448 205 4,242 SH   SOLE   0 0 4,242
PROCTER AND GAMBLE CO COM 742718109 1,227 10,263 SH   SOLE   0 0 10,263
GENERAL ELECTRIC CO COM 369604103 171 24,976 SH   SOLE   0 0 24,976
HOME DEPOT INC COM 437076102 1,865 7,443 SH   SOLE   0 0 7,443
MCDONALDS CORP COM 580135101 1,097 5,947 SH   SOLE   0 0 5,947
NIKE INC CL B 654106103 813 8,288 SH   SOLE   0 0 8,288
JPMORGAN CHASE & CO COM 46625H100 249 2,642 SH   SOLE   0 0 2,642
SIRIUS XM HOLDINGS INC COM 82968B103 304 51,846 SH   SOLE   0 0 51,846
MONDELEZ INTL INC CL A 609207105 224 4,372 SH   SOLE   0 0 4,372
FORD MTR CO DEL COM 345370860 144 23,731 SH   SOLE   0 0 23,731
3M CO COM 88579Y101 494 3,169 SH   SOLE   0 0 3,169
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,408 8,995 SH   SOLE   0 0 8,995
WASTE MGMT INC DEL COM 94106L109 368 3,472 SH   SOLE   0 0 3,472
CSX CORP COM 126408103 232 3,321 SH   SOLE   0 0 3,321
APPLE INC COM 037833100 7,022 19,248 SH   SOLE   0 0 19,248
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 9,094 60,803 SH   SOLE   0 0 60,803
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 380 9,594 SH   SOLE   0 0 9,594
NORTHROP GRUMMAN CORP COM 666807102 659 2,145 SH   SOLE   0 0 2,145
QUIDEL CORP COM 74838J101 210 940 SH   SOLE   0 0 940
PNC FINL SVCS GROUP INC COM 693475105 200 1,904 SH   SOLE   0 0 1,904
ICU MED INC COM 44930G107 461 2,500 SH   SOLE   0 0 2,500
ACTIVISION BLIZZARD INC COM 00507V109 506 6,670 SH   SOLE   0 0 6,670
LOUISIANA PAC CORP COM 546347105 209 8,130 SH   SOLE   0 0 8,130
PRICE T ROWE GROUP INC COM 74144T108 1,772 14,348 SH   SOLE   0 0 14,348
DOVER CORP COM 260003108 668 6,919 SH   SOLE   0 0 6,919
VAXART INC COM NEW 92243A200 248 28,056 SH   SOLE   0 0 28,056
BECTON DICKINSON & CO COM 075887109 324 1,354 SH   SOLE   0 0 1,354
ALPHABET INC CAP STK CL A 02079K305 390 275 SH   SOLE   0 0 275
VANGUARD INDEX FDS GROWTH ETF 922908736 308 1,524 SH   SOLE   0 0 1,524
VULCAN MATLS CO COM 929160109 219 1,893 SH   SOLE   0 0 1,893
INOVIO PHARMACEUTICALS INC COM NEW 45773H201 678 25,175 SH   SOLE   0 0 25,175
UNDER ARMOUR INC CL A 904311107 125 12,838 SH   SOLE   0 0 12,838
VANGUARD WORLD FDS UTILITIES ETF 92204A876 355 2,870 SH   SOLE   0 0 2,870
SALESFORCE COM INC COM 79466L302 992 5,297 SH   SOLE   0 0 5,297
NOVAVAX INC COM NEW 670002401 628 7,529 SH   SOLE   0 0 7,529
CHESAPEAKE UTILS CORP COM 165303108 3,149 37,489 SH   SOLE   0 0 37,489
DELMAR BANCORP COM NEW 247035207 295 44,827 SH   SOLE   0 0 44,827
ALPHA PRO TECH LTD COM 020772109 290 16,397 SH   SOLE   0 0 16,397
SANDY SPRING BANCORP INC COM 800363103 552 22,271 SH   SOLE   0 0 22,271
BLACKSTONE GROUP INC COM CL A 09260D107 525 9,260 SH   SOLE   0 0 9,260
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 221 5,699 SH   SOLE   0 0 5,699
WESBANCO INC COM 950810101 208 10,253 SH   SOLE   0 0 10,253
SPDR SER TR PORTFOLIO INTRMD 78464A375 294 8,044 SH   SOLE   0 0 8,044
SPDR SER TR PORTFOLIO SHORT 78464A474 966 30,835 SH   SOLE   0 0 30,835
TESLA INC COM 88160R101 688 637 SH   SOLE   0 0 637
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 43,579 842,107 SH   SOLE   0 0 842,107
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 1,932 90,809 SH   SOLE   0 0 90,809
FACEBOOK INC CL A 30303M102 2,078 9,152 SH   SOLE   0 0 9,152
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 401 1,582 SH   SOLE   0 0 1,582
ABBVIE INC COM 00287Y109 224 2,286 SH   SOLE   0 0 2,286
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 779 36,455 SH   SOLE   0 0 36,455
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 HY 46138J601 2,455 105,455 SH   SOLE   0 0 105,455
ALPHABET INC CAP STK CL C 02079K107 236 167 SH   SOLE   0 0 167
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 377 1,747 SH   SOLE   0 0 1,747
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 488 21,903 SH   SOLE   0 0 21,903
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 HY 46138J809 2,138 94,213 SH   SOLE   0 0 94,213
CO-DIAGNOSTICS INC COM 189763105 316 16,339 SH   SOLE   0 0 16,339
ISHARES TR MULTIFACTOR INTL 46434V274 5,531 241,325 SH   SOLE   0 0 241,325
PAYPAL HLDGS INC COM 70450Y103 1,652 9,481 SH   SOLE   0 0 9,481
ISHARES TR MULTIFACTOR USA 46434V282 4,487 144,405 SH   SOLE   0 0 144,405
ISHARES TR MULTIFACTOR USA 46434V290 977 27,362 SH   SOLE   0 0 27,362
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 648 27,158 SH   SOLE   0 0 27,158
VANGUARD WORLD FD ESG US STK ETF 921910733 292 5,177 SH   SOLE   0 0 5,177
MODERNA INC COM 60770K107 629 9,797 SH   SOLE   0 0 9,797