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 607 3,149 SH   SOLE   0 0 3,149
ABBOTT LABS COM 002824100 403 3,362 SH   SOLE   0 0 3,362
ABBVIE INC COM 00287Y109 280 2,586 SH   SOLE   0 0 2,586
ACTIVISION BLIZZARD INC COM 00507V109 591 6,357 SH   SOLE   0 0 6,357
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 207 912 SH   SOLE   0 0 912
ALPHABET INC CAP STK CL A 02079K305 509 247 SH   SOLE   0 0 247
ALPHABET INC CAP STK CL C 02079K107 339 164 SH   SOLE   0 0 164
ALTRIA GROUP INC COM 02209S103 427 8,349 SH   SOLE   0 0 8,349
AMAZON COM INC COM 023135106 5,507 1,780 SH   SOLE   0 0 1,780
AMERICAN ELEC PWR CO INC COM 025537101 239 2,821 SH   SOLE   0 0 2,821
APPLE INC COM 037833100 10,364 84,851 SH   SOLE   0 0 84,851
AT&T INC COM 00206R102 690 22,788 SH   SOLE   0 0 22,788
BECTON DICKINSON & CO COM 075887109 270 1,111 SH   SOLE   0 0 1,111
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 842 3,296 SH   SOLE   0 0 3,296
BIONANO GENOMICS INC COM 09075F107 151 18,630 SH   SOLE   0 0 18,630
BK OF AMERICA CORP COM 060505104 1,030 26,614 SH   SOLE   0 0 26,614
BLACKSTONE GROUP INC COM CL A 09260D107 706 9,467 SH   SOLE   0 0 9,467
BOEING CO COM 097023105 339 1,331 SH   SOLE   0 0 1,331
BRISTOL-MYERS SQUIBB CO COM 110122108 356 5,640 SH   SOLE   0 0 5,640
CAPITAL ONE FINL CORP COM 14040H105 296 2,328 SH   SOLE   0 0 2,328
CHECK CAP LTD SHS M2361E203 19 10,958 SH   SOLE   0 0 10,958
CHESAPEAKE UTILS CORP COM 165303108 4,352 37,489 SH   SOLE   0 0 37,489
CHEVRON CORP NEW COM 166764100 643 6,132 SH   SOLE   0 0 6,132
CISCO SYS INC COM 17275R102 551 10,661 SH   SOLE   0 0 10,661
COCA COLA CO COM 191216100 580 10,996 SH   SOLE   0 0 10,996
COMCAST CORP NEW CL A 20030N101 236 4,361 SH   SOLE   0 0 4,361
COSTCO WHSL CORP NEW COM 22160K105 419 1,189 SH   SOLE   0 0 1,189
CSX CORP COM 126408103 568 5,891 SH   SOLE   0 0 5,891
DISNEY WALT CO COM 254687106 509 2,758 SH   SOLE   0 0 2,758
DOMINION ENERGY INC COM 25746U109 233 3,062 SH   SOLE   0 0 3,062
DOVER CORP COM 260003108 949 6,919 SH   SOLE   0 0 6,919
DUKE ENERGY CORP NEW COM NEW 26441C204 249 2,578 SH   SOLE   0 0 2,578
EMERSON ELEC CO COM 291011104 277 3,067 SH   SOLE   0 0 3,067
EXELON CORP COM 30161N101 205 4,692 SH   SOLE   0 0 4,692
EXXON MOBIL CORP COM 30231G102 1,086 19,447 SH   SOLE   0 0 19,447
FACEBOOK INC CL A 30303M102 2,585 8,776 SH   SOLE   0 0 8,776
FORD MTR CO DEL COM 345370860 284 23,201 SH   SOLE   0 0 23,201
GENERAL ELECTRIC CO COM 369604103 318 24,198 SH   SOLE   0 0 24,198
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 1,073 32,387 SH   SOLE   0 0 32,387
HOME DEPOT INC COM 437076102 2,244 7,352 SH   SOLE   0 0 7,352
HONEYWELL INTL INC COM 438516106 299 1,379 SH   SOLE   0 0 1,379
ICU MED INC COM 44930G107 514 2,500 SH   SOLE   0 0 2,500
INTEL CORP COM 458140100 730 11,400 SH   SOLE   0 0 11,400
INTERNATIONAL BUSINESS MACHS COM 459200101 705 5,287 SH   SOLE   0 0 5,287
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 340 10,613 SH   SOLE   0 0 10,613
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 1,048 49,611 SH   SOLE   0 0 49,611
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 472 21,793 SH   SOLE   0 0 21,793
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 1,922 82,310 SH   SOLE   0 0 82,310
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 HY 46138J809 3,135 135,954 SH   SOLE   0 0 135,954
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 382 15,116 SH   SOLE   0 0 15,116
INVESCO QQQ TR UNIT SER 1 46090E103 448 1,403 SH   SOLE   0 0 1,403
ISHARES GOLD TRUST ISHARES 464285105 224 13,799 SH   SOLE   0 0 13,799
ISHARES INC CORE MSCI EMKT 46434G103 480 7,452 SH   SOLE   0 0 7,452
ISHARES TR CORE S&P MCP ETF 464287507 26,597 102,187 SH   SOLE   0 0 102,187
ISHARES TR CORE S&P SCP ETF 464287804 2,608 24,034 SH   SOLE   0 0 24,034
ISHARES TR CORE S&P500 ETF 464287200 25,765 64,765 SH   SOLE   0 0 64,765
ISHARES TR RUS 1000 ETF 464287622 604 2,700 SH   SOLE   0 0 2,700
ISHARES TR RUS 1000 VAL ETF 464287598 271 1,788 SH   SOLE   0 0 1,788
ISHARES TR RUS 1000 GRW ETF 464287614 12,014 49,433 SH   SOLE   0 0 49,433
ISHARES TR MSCI EAFE ETF 464287465 865 11,404 SH   SOLE   0 0 11,404
ISHARES TR RUS MD CP GR ETF 464287481 322 3,158 SH   SOLE   0 0 3,158
ISHARES TR TIPS BD ETF 464287176 709 5,651 SH   SOLE   0 0 5,651
ISHARES TR ISHS 1-5YR INVS 464288646 256 4,680 SH   SOLE   0 0 4,680
ISHARES TR US TREAS BD ETF 46429B267 773 29,512 SH   SOLE   0 0 29,512
ISHARES TR CORE MSCI EAFE 46432F842 693 9,613 SH   SOLE   0 0 9,613
ISHARES TR CORE 1 5 YR USD 46432F859 2,352 45,859 SH   SOLE   0 0 45,859
ISHARES TR MSCI USA MMENTM 46432F396 316 1,962 SH   SOLE   0 0 1,962
ISHARES TR 0-5YR INVT GR CP 46434V100 387 7,465 SH   SOLE   0 0 7,465
ISHARES TR CORE DIV GRWTH 46434V621 1,050 21,756 SH   SOLE   0 0 21,756
ISHARES TR MSCI INTL QUALTY 46434V456 7,234 198,530 SH   SOLE   0 0 198,530
ISHARES TR MSCI USA MULTIFT 46434V282 4,862 119,633 SH   SOLE   0 0 119,633
ISHARES TR MSCI USA SML CP 46434V290 821 15,645 SH   SOLE   0 0 15,645
JOHNSON & JOHNSON COM 478160104 1,465 8,916 SH   SOLE   0 0 8,916
JPMORGAN CHASE & CO COM 46625H100 262 1,722 SH   SOLE   0 0 1,722
LORDSTOWN MOTORS CORP COM CL A 54405Q100 136 11,551 SH   SOLE   0 0 11,551
LOUISIANA PAC CORP COM 546347105 420 7,569 SH   SOLE   0 0 7,569
LOWES COS INC COM 548661107 347 1,824 SH   SOLE   0 0 1,824
MCDONALDS CORP COM 580135101 1,490 6,646 SH   SOLE   0 0 6,646
MERCK & CO. INC COM 58933Y105 767 9,956 SH   SOLE   0 0 9,956
METLIFE INC COM 59156R108 291 4,785 SH   SOLE   0 0 4,785
MICROSOFT CORP COM 594918104 2,035 8,633 SH   SOLE   0 0 8,633
MONDELEZ INTL INC CL A 609207105 245 4,180 SH   SOLE   0 0 4,180
MORGAN STANLEY COM NEW 617446448 364 4,681 SH   SOLE   0 0 4,681
NANTKWEST INC COM 63016Q102 378 15,926 SH   SOLE   0 0 15,926
NIKE INC CL B 654106103 1,097 8,252 SH   SOLE   0 0 8,252
NORTHROP GRUMMAN CORP COM 666807102 658 2,034 SH   SOLE   0 0 2,034
NOVAVAX INC COM NEW 670002401 2,397 13,221 SH   SOLE   0 0 13,221
PARTNERS BANCORP COM 70213Q108 331 45,305 SH   SOLE   0 0 45,305
PAYPAL HLDGS INC COM 70450Y103 2,173 8,949 SH   SOLE   0 0 8,949
PEPSICO INC COM 713448108 645 4,559 SH   SOLE   0 0 4,559
PFIZER INC COM 717081103 345 9,532 SH   SOLE   0 0 9,532
PHILIP MORRIS INTL INC COM 718172109 392 4,415 SH   SOLE   0 0 4,415
PNC FINL SVCS GROUP INC COM 693475105 334 1,906 SH   SOLE   0 0 1,906
PRICE T ROWE GROUP INC COM 74144T108 2,428 14,150 SH   SOLE   0 0 14,150
PROCTER AND GAMBLE CO COM 742718109 1,578 11,653 SH   SOLE   0 0 11,653
SALESFORCE COM INC COM 79466L302 1,121 5,290 SH   SOLE   0 0 5,290
SANDY SPRING BANCORP INC COM 800363103 967 22,271 SH   SOLE   0 0 22,271
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 60,690 832,275 SH   SOLE   0 0 832,275
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 2,361 45,691 SH   SOLE   0 0 45,691
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 358 10,514 SH   SOLE   0 0 10,514
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 220 3,218 SH   SOLE   0 0 3,218
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 424 3,628 SH   SOLE   0 0 3,628
SIRIUS XM HOLDINGS INC COM 82968B103 316 51,852 SH   SOLE   0 0 51,852
SPDR GOLD TR GOLD SHS 78463V107 712 4,448 SH   SOLE   0 0 4,448
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,011 5,073 SH   SOLE   0 0 5,073
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 677 1,423 SH   SOLE   0 0 1,423
SPDR SER TR PORTFOLIO SHORT 78464A474 862 27,527 SH   SOLE   0 0 27,527
STARBUCKS CORP COM 855244109 1,613 14,765 SH   SOLE   0 0 14,765
STRYKER CORPORATION COM 863667101 413 1,697 SH   SOLE   0 0 1,697
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 217 1,838 SH   SOLE   0 0 1,838
TESLA INC COM 88160R101 791 1,184 SH   SOLE   0 0 1,184
TRUIST FINL CORP COM 89832Q109 366 6,284 SH   SOLE   0 0 6,284
UNDER ARMOUR INC CL A 904311107 246 11,122 SH   SOLE   0 0 11,122
UNITED PARCEL SERVICE INC CL B 911312106 203 1,194 SH   SOLE   0 0 1,194
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 284 3,347 SH   SOLE   0 0 3,347
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,388 30,907 SH   SOLE   0 0 30,907
VANGUARD INDEX FDS GROWTH ETF 922908736 271 1,054 SH   SOLE   0 0 1,054
VANGUARD INDEX FDS SML CP GRW ETF 922908595 904 3,291 SH   SOLE   0 0 3,291
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 507 9,844 SH   SOLE   0 0 9,844
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 267 4,333 SH   SOLE   0 0 4,333
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 294 1,174 SH   SOLE   0 0 1,174
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,659 26,464 SH   SOLE   0 0 26,464
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 660 13,447 SH   SOLE   0 0 13,447
VANGUARD WORLD FD ESG US STK ETF 921910733 552 7,488 SH   SOLE   0 0 7,488
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 10,591 59,425 SH   SOLE   0 0 59,425
VANGUARD WORLD FDS UTILITIES ETF 92204A876 404 2,877 SH   SOLE   0 0 2,877
VERIZON COMMUNICATIONS INC COM 92343V104 708 12,176 SH   SOLE   0 0 12,176
VISA INC COM CL A 92826C839 222 1,048 SH   SOLE   0 0 1,048
VULCAN MATLS CO COM 929160109 291 1,722 SH   SOLE   0 0 1,722
WALMART INC COM 931142103 543 4,000 SH   SOLE   0 0 4,000
WASTE MGMT INC DEL COM 94106L109 460 3,566 SH   SOLE   0 0 3,566
WESBANCO INC COM 950810101 298 8,253 SH   SOLE   0 0 8,253
WISDOMTREE TR US MIDCAP FUND 97717W570 413 8,105 SH   SOLE   0 0 8,105