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 23,551 102,471 SH   SOLE   0 0 102,471
ISHARES TR CORE S&P SCP ETF 464287804 2,017 21,947 SH   SOLE   0 0 21,947
ISHARES TR CORE S&P500 ETF 464287200 23,462 62,499 SH   SOLE   0 0 62,499
ISHARES TR RUS 1000 ETF 464287622 572 2,700 SH   SOLE   0 0 2,700
ISHARES TR RUS 1000 VAL ETF 464287598 273 1,997 SH   SOLE   0 0 1,997
ISHARES TR RUS 1000 GRW ETF 464287614 12,266 50,865 SH   SOLE   0 0 50,865
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 598 1,423 SH   SOLE   0 0 1,423
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,907 5,101 SH   SOLE   0 0 5,101
AMAZON COM INC COM 023135106 6,035 1,853 SH   SOLE   0 0 1,853
BRISTOL-MYERS SQUIBB CO COM 110122108 349 5,633 SH   SOLE   0 0 5,633
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 764 3,296 SH   SOLE   0 0 3,296
EMERSON ELEC CO COM 291011104 256 3,190 SH   SOLE   0 0 3,190
BOEING CO COM 097023105 282 1,315 SH   SOLE   0 0 1,315
INVESCO QQQ TR UNIT SER 1 46090E103 440 1,403 SH   SOLE   0 0 1,403
ABBOTT LABS COM 002824100 365 3,330 SH   SOLE   0 0 3,330
ALTRIA GROUP INC COM 02209S103 352 8,578 SH   SOLE   0 0 8,578
INTEL CORP COM 458140100 571 11,452 SH   SOLE   0 0 11,452
DISNEY WALT CO COM 254687106 500 2,758 SH   SOLE   0 0 2,758
HONEYWELL INTL INC COM 438516106 286 1,343 SH   SOLE   0 0 1,343
JOHNSON & JOHNSON COM 478160104 1,519 9,652 SH   SOLE   0 0 9,652
PFIZER INC COM 717081103 334 9,069 SH   SOLE   0 0 9,069
EXELON CORP COM 30161N101 202 4,778 SH   SOLE   0 0 4,778
LOWES COS INC COM 548661107 294 1,834 SH   SOLE   0 0 1,834
ISHARES TR MSCI EAFE ETF 464287465 389 5,331 SH   SOLE   0 0 5,331
CHEVRON CORP NEW COM 166764100 543 6,427 SH   SOLE   0 0 6,427
MICROSOFT CORP COM 594918104 2,038 9,161 SH   SOLE   0 0 9,161
UNITED PARCEL SERVICE INC CL B 911312106 202 1,197 SH   SOLE   0 0 1,197
AT&T INC COM 00206R102 596 20,730 SH   SOLE   0 0 20,730
TRUIST FINL CORP COM 89832Q109 301 6,284 SH   SOLE   0 0 6,284
CISCO SYS INC COM 17275R102 485 10,829 SH   SOLE   0 0 10,829
INTERNATIONAL BUSINESS MACHS COM 459200101 673 5,343 SH   SOLE   0 0 5,343
COCA COLA CO COM 191216100 583 10,622 SH   SOLE   0 0 10,622
PEPSICO INC COM 713448108 669 4,508 SH   SOLE   0 0 4,508
STRYKER CORPORATION COM 863667101 348 1,420 SH   SOLE   0 0 1,420
VERIZON COMMUNICATIONS INC COM 92343V104 686 11,668 SH   SOLE   0 0 11,668
ISHARES TR RUS MD CP GR ETF 464287481 272 2,647 SH   SOLE   0 0 2,647
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 280 2,469 SH   SOLE   0 0 2,469
PLUG POWER INC COM NEW 72919P202 213 6,283 SH   SOLE   0 0 6,283
BK OF AMERICA CORP COM 060505104 815 26,881 SH   SOLE   0 0 26,881
STARBUCKS CORP COM 855244109 1,538 14,373 SH   SOLE   0 0 14,373
EXXON MOBIL CORP COM 30231G102 853 20,705 SH   SOLE   0 0 20,705
WALMART INC COM 931142103 645 4,474 SH   SOLE   0 0 4,474
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 219 2,007 SH   SOLE   0 0 2,007
CAPITAL ONE FINL CORP COM 14040H105 214 2,168 SH   SOLE   0 0 2,168
COSTCO WHSL CORP NEW COM 22160K105 440 1,168 SH   SOLE   0 0 1,168
DOMINION ENERGY INC COM 25746U109 233 3,099 SH   SOLE   0 0 3,099
MERCK & CO. INC COM 58933Y105 830 10,149 SH   SOLE   0 0 10,149
MORGAN STANLEY COM NEW 617446448 316 4,606 SH   SOLE   0 0 4,606
PROCTER AND GAMBLE CO COM 742718109 1,581 11,366 SH   SOLE   0 0 11,366
GENERAL ELECTRIC CO COM 369604103 269 24,900 SH   SOLE   0 0 24,900
HOME DEPOT INC COM 437076102 1,962 7,385 SH   SOLE   0 0 7,385
MCDONALDS CORP COM 580135101 1,289 6,007 SH   SOLE   0 0 6,007
NIKE INC CL B 654106103 1,182 8,352 SH   SOLE   0 0 8,352
JPMORGAN CHASE & CO COM 46625H100 236 1,859 SH   SOLE   0 0 1,859
SIRIUS XM HOLDINGS INC COM 82968B103 330 51,850 SH   SOLE   0 0 51,850
MONDELEZ INTL INC CL A 609207105 256 4,377 SH   SOLE   0 0 4,377
FORD MTR CO DEL COM 345370860 209 23,731 SH   SOLE   0 0 23,731
3M CO COM 88579Y101 656 3,754 SH   SOLE   0 0 3,754
COMCAST CORP NEW CL A 20030N101 213 4,063 SH   SOLE   0 0 4,063
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,752 9,000 SH   SOLE   0 0 9,000
WASTE MGMT INC DEL COM 94106L109 420 3,565 SH   SOLE   0 0 3,565
DUKE ENERGY CORP NEW COM NEW 26441C204 207 2,257 SH   SOLE   0 0 2,257
CSX CORP COM 126408103 535 5,891 SH   SOLE   0 0 5,891
APPLE INC COM 037833100 11,493 86,616 SH   SOLE   0 0 86,616
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 10,103 58,092 SH   SOLE   0 0 58,092
NORTHROP GRUMMAN CORP COM 666807102 618 2,027 SH   SOLE   0 0 2,027
PNC FINL SVCS GROUP INC COM 693475105 284 1,905 SH   SOLE   0 0 1,905
ICU MED INC COM 44930G107 536 2,500 SH   SOLE   0 0 2,500
ISHARES TR TIPS BD ETF 464287176 721 5,651 SH   SOLE   0 0 5,651
ACTIVISION BLIZZARD INC COM 00507V109 590 6,357 SH   SOLE   0 0 6,357
LOUISIANA PAC CORP COM 546347105 291 7,818 SH   SOLE   0 0 7,818
PRICE T ROWE GROUP INC COM 74144T108 2,174 14,359 SH   SOLE   0 0 14,359
DOVER CORP COM 260003108 874 6,919 SH   SOLE   0 0 6,919
VAXART INC COM NEW 92243A200 563 98,644 SH   SOLE   0 0 98,644
BECTON DICKINSON & CO COM 075887109 352 1,408 SH   SOLE   0 0 1,408
METLIFE INC COM 59156R108 224 4,780 SH   SOLE   0 0 4,780
ALPHABET INC CAP STK CL A 02079K305 468 267 SH   SOLE   0 0 267
SPDR GOLD TR GOLD SHS 78463V107 739 4,142 SH   SOLE   0 0 4,142
VANGUARD INDEX FDS GROWTH ETF 922908736 267 1,053 SH   SOLE   0 0 1,053
VULCAN MATLS CO COM 929160109 255 1,719 SH   SOLE   0 0 1,719
VANGUARD INDEX FDS SML CP GRW ETF 922908595 754 2,816 SH   SOLE   0 0 2,816
UNDER ARMOUR INC CL A 904311107 191 11,129 SH   SOLE   0 0 11,129
VANGUARD WORLD FDS UTILITIES ETF 92204A876 395 2,877 SH   SOLE   0 0 2,877
ISHARES GOLD TRUST ISHARES 464285105 295 16,253 SH   SOLE   0 0 16,253
THERMO FISHER SCIENTIFIC INC COM 883556102 217 466 SH   SOLE   0 0 466
SALESFORCE COM INC COM 79466L302 1,183 5,315 SH   SOLE   0 0 5,315
NOVAVAX INC COM NEW 670002401 1,492 13,378 SH   SOLE   0 0 13,378
CHESAPEAKE UTILS CORP COM 165303108 4,057 37,489 SH   SOLE   0 0 37,489
PARTNERS BANCORP COM 70213Q108 324 49,827 SH   SOLE   0 0 49,827
F N B CORP COM 302520101 101 10,640 SH   SOLE   0 0 10,640
SANDY SPRING BANCORP INC COM 800363103 717 22,271 SH   SOLE   0 0 22,271
ISHARES TR ISHS 1-5YR INVS 464288646 258 4,679 SH   SOLE   0 0 4,679
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 296 3,356 SH   SOLE   0 0 3,356
BLACKSTONE GROUP INC COM CL A 09260D107 609 9,392 SH   SOLE   0 0 9,392
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 632 13,383 SH   SOLE   0 0 13,383
WESBANCO INC COM 950810101 247 8,253 SH   SOLE   0 0 8,253
WISDOMTREE TR US MIDCAP FUND 97717W570 370 8,512 SH   SOLE   0 0 8,512
VISA INC COM CL A 92826C839 225 1,027 SH   SOLE   0 0 1,027
PHILIP MORRIS INTL INC COM 718172109 225 2,715 SH   SOLE   0 0 2,715
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 267 4,333 SH   SOLE   0 0 4,333
SPDR SER TR PORTFOLIO SHORT 78464A474 864 27,527 SH   SOLE   0 0 27,527
TESLA INC COM 88160R101 843 1,194 SH   SOLE   0 0 1,194
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 291 1,174 SH   SOLE   0 0 1,174
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 51,100 796,697 SH   SOLE   0 0 796,697
ISHARES TR US TREAS BD ETF 46429B267 1,025 37,621 SH   SOLE   0 0 37,621
FACEBOOK INC CL A 30303M102 2,438 8,926 SH   SOLE   0 0 8,926
ISHARES INC CORE MSCI EMKT 46434G103 357 5,762 SH   SOLE   0 0 5,762
ISHARES TR CORE MSCI EAFE 46432F842 477 6,905 SH   SOLE   0 0 6,905
ISHARES TR CORE 1 5 YR USD 46432F859 2,368 45,859 SH   SOLE   0 0 45,859
ABBVIE INC COM 00287Y109 257 2,399 SH   SOLE   0 0 2,399
ISHARES TR MSCI USA MMENTM 46432F396 316 1,962 SH   SOLE   0 0 1,962
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 1,070 50,434 SH   SOLE   0 0 50,434
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 2,068 45,666 SH   SOLE   0 0 45,666
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 233 10,698 SH   SOLE   0 0 10,698
ALPHABET INC CAP STK CL C 02079K107 326 186 SH   SOLE   0 0 186
ISHARES TR CORE DIV GRWTH 46434V621 806 17,979 SH   SOLE   0 0 17,979
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 1,096 46,974 SH   SOLE   0 0 46,974
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 HY 46138J809 3,157 136,662 SH   SOLE   0 0 136,662
ISHARES TR MSCI INTL QUALTY 46434V456 6,393 179,282 SH   SOLE   0 0 179,282
PAYPAL HLDGS INC COM 70450Y103 2,195 9,374 SH   SOLE   0 0 9,374
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 331 13,049 SH   SOLE   0 0 13,049
ISHARES TR MSCI USA MULTIFT 46434V282 4,551 120,818 SH   SOLE   0 0 120,818
ISHARES TR MSCI USA SML CP 46434V290 716 15,645 SH   SOLE   0 0 15,645
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 986 29,744 SH   SOLE   0 0 29,744
VANGUARD WORLD FD ESG US STK ETF 921910733 525 7,488 SH   SOLE   0 0 7,488
SUNDIAL GROWERS INC COM 86730L109 40 84,615 SH   SOLE   0 0 84,615
PELOTON INTERACTIVE INC CL A COM 70614W100 240 1,584 SH   SOLE   0 0 1,584