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 623 3,137 SH   SOLE   0 0 3,137
ABBOTT LABS COM 002824100 295 2,544 SH   SOLE   0 0 2,544
ABBVIE INC COM 00287Y109 287 2,544 SH   SOLE   0 0 2,544
ACTIVISION BLIZZARD INC COM 00507V109 597 6,255 SH   SOLE   0 0 6,255
ALPHABET INC CAP STK CL C 02079K107 253 101 SH   SOLE   0 0 101
ALPHABET INC CAP STK CL A 02079K305 330 135 SH   SOLE   0 0 135
ALTRIA GROUP INC COM 02209S103 201 4,209 SH   SOLE   0 0 4,209
AMAZON COM INC COM 023135106 5,690 1,654 SH   SOLE   0 0 1,654
AMERICAN ELEC PWR CO INC COM 025537101 240 2,837 SH   SOLE   0 0 2,837
APPLE INC COM 037833100 10,163 74,202 SH   SOLE   0 0 74,202
AT&T INC COM 00206R102 554 19,242 SH   SOLE   0 0 19,242
BECTON DICKINSON & CO COM 075887109 215 886 SH   SOLE   0 0 886
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 832 2,993 SH   SOLE   0 0 2,993
BK OF AMERICA CORP COM 060505104 1,096 26,587 SH   SOLE   0 0 26,587
BLACKSTONE GROUP INC COM 09260D107 920 9,468 SH   SOLE   0 0 9,468
BOEING CO COM 097023105 308 1,286 SH   SOLE   0 0 1,286
BRISTOL-MYERS SQUIBB CO COM 110122108 279 4,173 SH   SOLE   0 0 4,173
CAPITAL ONE FINL CORP COM 14040H105 316 2,045 SH   SOLE   0 0 2,045
CHESAPEAKE UTILS CORP COM 165303108 3,497 29,061 SH   SOLE   0 0 29,061
CHEVRON CORP NEW COM 166764100 628 5,997 SH   SOLE   0 0 5,997
CISCO SYS INC COM 17275R102 510 9,620 SH   SOLE   0 0 9,620
COCA COLA CO COM 191216100 442 8,167 SH   SOLE   0 0 8,167
COSTCO WHSL CORP NEW COM 22160K105 412 1,042 SH   SOLE   0 0 1,042
CSX CORP COM 126408103 566 17,649 SH   SOLE   0 0 17,649
DISCOVER FINL SVCS COM 254709108 223 1,884 SH   SOLE   0 0 1,884
DISNEY WALT CO COM 254687106 400 2,276 SH   SOLE   0 0 2,276
DOVER CORP COM 260003108 843 5,599 SH   SOLE   0 0 5,599
DUKE ENERGY CORP NEW COM NEW 26441C204 255 2,580 SH   SOLE   0 0 2,580
EMERSON ELEC CO COM 291011104 295 3,069 SH   SOLE   0 0 3,069
EXELON CORP COM 30161N101 216 4,880 SH   SOLE   0 0 4,880
EXXON MOBIL CORP COM 30231G102 1,053 16,694 SH   SOLE   0 0 16,694
FACEBOOK INC CL A 30303M102 2,949 8,482 SH   SOLE   0 0 8,482
FORD MTR CO DEL COM 345370860 357 24,049 SH   SOLE   0 0 24,049
GENERAL ELECTRIC CO COM 369604103 297 22,099 SH   SOLE   0 0 22,099
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 1,384 39,594 SH   SOLE   0 0 39,594
HOME DEPOT INC COM 437076102 2,039 6,395 SH   SOLE   0 0 6,395
HONEYWELL INTL INC COM 438516106 224 1,021 SH   SOLE   0 0 1,021
ICU MED INC COM 44930G107 515 2,500 SH   SOLE   0 0 2,500
INTEL CORP COM 458140100 446 7,941 SH   SOLE   0 0 7,941
INTERNATIONAL BUSINESS MACHS COM 459200101 628 4,285 SH   SOLE   0 0 4,285
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 1,360 40,986 SH   SOLE   0 0 40,986
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 620 28,727 SH   SOLE   0 0 28,727
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 1,044 49,490 SH   SOLE   0 0 49,490
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 1,303 51,141 SH   SOLE   0 0 51,141
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 2,192 93,857 SH   SOLE   0 0 93,857
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 HY 46138J809 3,189 138,577 SH   SOLE   0 0 138,577
INVESCO QQQ TR UNIT SER 1 46090E103 533 1,503 SH   SOLE   0 0 1,503
ISHARES GOLD TR ISHARES NEW 464285204 232 6,897 SH   SOLE   0 0 6,897
ISHARES INC CORE MSCI EMKT 46434G103 441 6,578 SH   SOLE   0 0 6,578
ISHARES TR RUS 1000 VAL ETF 464287598 202 1,272 SH   SOLE   0 0 1,272
ISHARES TR U.S. MED DVC ETF 464288810 215 595 SH   SOLE   0 0 595
ISHARES TR ISHS 1-5YR INVS 464288646 257 4,681 SH   SOLE   0 0 4,681
ISHARES TR MSCI USA MMENTM 46432F396 340 1,962 SH   SOLE   0 0 1,962
ISHARES TR RUS MD CP GR ETF 464287481 405 3,579 SH   SOLE   0 0 3,579
ISHARES TR MSCI INTL MULTFT 46434V274 422 14,047 SH   SOLE   0 0 14,047
ISHARES TR RUS 1000 ETF 464287622 654 2,700 SH   SOLE   0 0 2,700
ISHARES TR CORE MSCI EAFE 46432F842 729 9,734 SH   SOLE   0 0 9,734
ISHARES TR TIPS BD ETF 464287176 742 5,799 SH   SOLE   0 0 5,799
ISHARES TR US TREAS BD ETF 46429B267 785 29,512 SH   SOLE   0 0 29,512
ISHARES TR MSCI EAFE ETF 464287465 900 11,404 SH   SOLE   0 0 11,404
ISHARES TR MSCI USA SML CP 46434V290 979 17,842 SH   SOLE   0 0 17,842
ISHARES TR CORE DIV GRWTH 46434V621 1,358 26,965 SH   SOLE   0 0 26,965
ISHARES TR CORE 1 5 YR USD 46432F859 2,402 46,831 SH   SOLE   0 0 46,831
ISHARES TR CORE S&P SCP ETF 464287804 2,798 24,770 SH   SOLE   0 0 24,770
ISHARES TR MSCI USA MULTIFT 46434V282 5,595 130,622 SH   SOLE   0 0 130,622
ISHARES TR MSCI INTL QUALTY 46434V456 7,545 195,677 SH   SOLE   0 0 195,677
ISHARES TR RUS 1000 GRW ETF 464287614 13,570 49,986 SH   SOLE   0 0 49,986
ISHARES TR CORE S&P MCP ETF 464287507 27,356 101,797 SH   SOLE   0 0 101,797
ISHARES TR CORE S&P500 ETF 464287200 33,005 76,771 SH   SOLE   0 0 76,771
JOHNSON & JOHNSON COM 478160104 1,378 8,363 SH   SOLE   0 0 8,363
LOUISIANA PAC CORP COM 546347105 457 7,586 SH   SOLE   0 0 7,586
LOWES COS INC COM 548661107 311 1,603 SH   SOLE   0 0 1,603
MCDONALDS CORP COM 580135101 1,355 5,865 SH   SOLE   0 0 5,865
MERCK & CO INC COM 58933Y105 758 9,745 SH   SOLE   0 0 9,745
METLIFE INC COM 59156R108 286 4,773 SH   SOLE   0 0 4,773
MICROSOFT CORP COM 594918104 1,950 7,199 SH   SOLE   0 0 7,199
MORGAN STANLEY COM NEW 617446448 365 3,985 SH   SOLE   0 0 3,985
NIKE INC CL B 654106103 1,174 7,598 SH   SOLE   0 0 7,598
NORTHROP GRUMMAN CORP COM 666807102 742 2,040 SH   SOLE   0 0 2,040
PARTNERS BANCORP COM 70213Q108 360 44,827 SH   SOLE   0 0 44,827
PAYPAL HLDGS INC COM 70450Y103 2,518 8,640 SH   SOLE   0 0 8,640
PEPSICO INC COM 713448108 373 2,520 SH   SOLE   0 0 2,520
PFIZER INC COM 717081103 247 6,314 SH   SOLE   0 0 6,314
PNC FINL SVCS GROUP INC COM 693475105 364 1,906 SH   SOLE   0 0 1,906
PRICE T ROWE GROUP INC COM 74144T108 2,802 14,152 SH   SOLE   0 0 14,152
PROCTER AND GAMBLE CO COM 742718109 1,109 8,221 SH   SOLE   0 0 8,221
PROSHARES TR PSHS ULTRA QQQ 74347R206 230 3,204 SH   SOLE   0 0 3,204
SALESFORCE COM INC COM 79466L302 1,269 5,194 SH   SOLE   0 0 5,194
SANDY SPRING BANCORP INC COM 800363103 1,002 22,714 SH   SOLE   0 0 22,714
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 2,502 45,718 SH   SOLE   0 0 45,718
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 60,605 801,436 SH   SOLE   0 0 801,436
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 235 6,407 SH   SOLE   0 0 6,407
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 435 3,456 SH   SOLE   0 0 3,456
SIRIUS XM HOLDINGS INC COM 82968B103 339 51,854 SH   SOLE   0 0 51,854
SPDR GOLD TR GOLD SHS 78463V107 735 4,435 SH   SOLE   0 0 4,435
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,028 4,737 SH   SOLE   0 0 4,737
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 699 1,423 SH   SOLE   0 0 1,423
SPDR SER TR PORTFOLIO SHORT 78464A474 2,353 75,189 SH   SOLE   0 0 75,189
STARBUCKS CORP COM 855244109 1,020 9,123 SH   SOLE   0 0 9,123
STRYKER CORPORATION COM 863667101 440 1,693 SH   SOLE   0 0 1,693
TESLA INC COM 88160R101 803 1,182 SH   SOLE   0 0 1,182
TRUIST FINL CORP COM 89832Q109 328 5,913 SH   SOLE   0 0 5,913
UNDER ARMOUR INC CL A 904311107 232 10,946 SH   SOLE   0 0 10,946
UNITED PARCEL SERVICE INC CL B 911312106 243 1,168 SH   SOLE   0 0 1,168
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 287 3,347 SH   SOLE   0 0 3,347
VANGUARD INDEX FDS GROWTH ETF 922908736 344 1,199 SH   SOLE   0 0 1,199
VANGUARD INDEX FDS SML CP GRW ETF 922908595 959 3,308 SH   SOLE   0 0 3,308
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,353 7,172 SH   SOLE   0 0 7,172
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,074 27,258 SH   SOLE   0 0 27,258
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 516 9,844 SH   SOLE   0 0 9,844
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 266 4,333 SH   SOLE   0 0 4,333
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 328 4,696 SH   SOLE   0 0 4,696
VANGUARD STAR FDS VG TL INTL STK F 921909768 4,269 65,002 SH   SOLE   0 0 65,002
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 711 13,808 SH   SOLE   0 0 13,808
VANGUARD WORLD FD ESG US STK ETF 921910733 599 7,488 SH   SOLE   0 0 7,488
VANGUARD WORLD FDS UTILITIES ETF 92204A876 400 2,882 SH   SOLE   0 0 2,882
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 10,948 59,983 SH   SOLE   0 0 59,983
VERIZON COMMUNICATIONS INC COM 92343V104 559 9,971 SH   SOLE   0 0 9,971
VULCAN MATLS CO COM 929160109 296 1,701 SH   SOLE   0 0 1,701
WALMART INC COM 931142103 541 3,837 SH   SOLE   0 0 3,837
WASTE MGMT INC DEL COM 94106L109 500 3,566 SH   SOLE   0 0 3,566
WISDOMTREE TR US MIDCAP FUND 97717W570 405 7,735 SH   SOLE   0 0 7,735