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 1,144 6,547 SH   SOLE   0 0 6,547
ABBOTT LABS COM 002824100 425 3,878 SH   SOLE   938 0 2,940
ABBVIE INC COM 00287Y109 941 8,782 SH   SOLE   732 0 8,050
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 789 3,020 SH   SOLE   1,100 0 1,920
ADOBE SYSTEMS INCORPORATED COM 00724F101 627 1,253 SH   SOLE   0 0 1,253
AIR PRODS & CHEMS INC COM 009158106 687 2,516 SH   SOLE   830 0 1,686
AKAMAI TECHNOLOGIES INC COM 00971T101 432 4,118 SH   SOLE   0 0 4,118
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 209 897 SH   SOLE   0 0 897
ALPHABET INC CAP STK CL A 02079K305 3,789 2,162 SH   SOLE   21 0 2,141
ALPHABET INC CAP STK CL C 02079K107 913 521 SH   SOLE   105 0 416
ALTRIA GROUP INC COM 02209S103 236 5,751 SH   SOLE   0 0 5,751
AMAZON COM INC COM 023135106 9,497 2,916 SH   SOLE   86 0 2,830
AMERICAN EXPRESS CO COM 025816109 1,154 9,544 SH   SOLE   2,000 0 7,544
AMERICAN TOWER CORP NEW COM 03027X100 393 1,750 SH   SOLE   0 0 1,750
AMERICAN WTR WKS CO INC NEW COM 030420103 438 2,855 SH   SOLE   0 0 2,855
AMERIPRISE FINL INC COM 03076C106 315 1,621 SH   SOLE   0 0 1,621
AMGEN INC COM 031162100 495 2,155 SH   SOLE   0 0 2,155
ANTHEM INC COM 036752103 454 1,413 SH   SOLE   0 0 1,413
APPLE INC COM 037833100 13,509 101,807 SH   SOLE   6,739 0 95,068
APPLIED MATLS INC COM 038222105 494 5,729 SH   SOLE   0 0 5,729
AT&T INC COM 00206R102 429 14,931 SH   SOLE   4,526 0 10,405
AUTOMATIC DATA PROCESSING IN COM 053015103 530 3,009 SH   SOLE   1,065 0 1,944
BALL CORP COM 058498106 393 4,219 SH   SOLE   94 0 4,125
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,242 9,669 SH   SOLE   310 0 9,359
BK OF AMERICA CORP COM 060505104 448 14,765 SH   SOLE   100 0 14,665
BLACKROCK INC COM 09247X101 247 343 SH   SOLE   0 0 343
BOEING CO COM 097023105 269 1,256 SH   SOLE   0 0 1,256
BRISTOL-MYERS SQUIBB CO COM 110122108 900 14,502 SH   SOLE   3,728 0 10,774
BROADCOM INC COM 11135F101 499 1,140 SH   SOLE   0 0 1,140
CATERPILLAR INC COM 149123101 505 2,775 SH   SOLE   0 0 2,775
CHEVRON CORP NEW COM 166764100 293 3,473 SH   SOLE   88 0 3,385
CISCO SYS INC COM 17275R102 1,103 24,643 SH   SOLE   1,153 0 23,490
CLOROX CO DEL COM 189054109 420 2,080 SH   SOLE   0 0 2,080
COCA COLA CO COM 191216100 706 12,875 SH   SOLE   0 0 12,875
COMCAST CORP NEW CL A 20030N101 945 18,042 SH   SOLE   1,926 0 16,116
COSTCO WHSL CORP NEW COM 22160K105 925 2,455 SH   SOLE   325 0 2,130
CSX CORP COM 126408103 353 3,888 SH   SOLE   90 0 3,798
CUMMINS INC COM 231021106 393 1,730 SH   SOLE   0 0 1,730
CVS HEALTH CORP COM 126650100 235 3,435 SH   SOLE   0 0 3,435
D R HORTON INC COM 23331A109 603 8,752 SH   SOLE   1,859 0 6,893
DANAHER CORPORATION COM 235851102 3,563 16,041 SH   SOLE   340 0 15,701
DISNEY WALT CO COM 254687106 1,080 5,963 SH   SOLE   56 0 5,907
DOLLAR TREE INC COM 256746108 346 3,205 SH   SOLE   0 0 3,205
DOMINION ENERGY INC COM 25746U109 948 12,604 SH   SOLE   0 0 12,604
DUKE ENERGY CORP NEW COM NEW 26441C204 1,646 17,975 SH   SOLE   0 0 17,975
DUPONT DE NEMOURS INC COM 26614N102 224 3,149 SH   SOLE   0 0 3,149
EATON CORP PLC SHS G29183103 850 7,071 SH   SOLE   0 0 7,071
ECOLAB INC COM 278865100 303 1,400 SH   SOLE   1,400 0 0
EMERSON ELEC CO COM 291011104 361 4,494 SH   SOLE   0 0 4,494
ENTERPRISE PRODS PARTNERS L COM 293792107 385 19,645 SH   SOLE   1,964 0 17,681
EXXON MOBIL CORP COM 30231G102 744 18,057 SH   SOLE   0 0 18,057
FACEBOOK INC CL A 30303M102 1,676 6,136 SH   SOLE   80 0 6,056
FEDEX CORP COM 31428X106 466 1,795 SH   SOLE   0 0 1,795
FIDELITY NATL INFORMATION SV COM 31620M106 321 2,266 SH   SOLE   1,350 0 916
FISERV INC COM 337738108 586 5,148 SH   SOLE   57 0 5,091
FORTIVE CORP COM 34959J108 301 4,244 SH   SOLE   0 0 4,244
FORTUNE BRANDS HOME & SEC IN COM 34964C106 234 2,729 SH   SOLE   0 0 2,729
FULTON FINL CORP PA COM 360271100 152 11,979 SH   SOLE   0 0 11,979
GENERAL ELECTRIC CO COM 369604103 545 50,465 SH   SOLE   8,142 0 42,323
GENERAL MLS INC COM 370334104 392 6,664 SH   SOLE   0 0 6,664
GENERAL MTRS CO COM 37045V100 313 7,507 SH   SOLE   0 0 7,507
HOME DEPOT INC COM 437076102 2,449 9,219 SH   SOLE   1,356 0 7,863
HONEYWELL INTL INC COM 438516106 662 3,111 SH   SOLE   560 0 2,551
HP INC COM 40434L105 441 17,924 SH   SOLE   0 0 17,924
INTEL CORP COM 458140100 1,148 23,048 SH   SOLE   1,664 0 21,384
INTERCONTINENTAL EXCHANGE IN COM 45866F104 242 2,096 SH   SOLE   0 0 2,096
INTERNATIONAL BUSINESS MACHS COM 459200101 765 6,078 SH   SOLE   0 0 6,078
INVESCO QQQ TR UNIT SER 1 46090E103 205 653 SH   SOLE   0 0 653
ISHARES TR CORE S&P MCP ETF 464287507 27,709 120,562 SH   SOLE   4,021 0 116,541
ISHARES TR CORE S&P SCP ETF 464287804 8,854 96,346 SH   SOLE   3,383 0 92,963
ISHARES TR CORE S&P500 ETF 464287200 18,193 48,465 SH   SOLE   2,606 0 45,859
ISHARES TR ISHS 1-5YR INVS 464288646 319 5,790 SH   SOLE   0 0 5,790
ISHARES TR RUS 1000 GRW ETF 464287614 435 1,803 SH   SOLE   0 0 1,803
ISHARES TR RUS 1000 VAL ETF 464287598 543 3,972 SH   SOLE   0 0 3,972
ISHARES TR RUS MID CAP ETF 464287499 317 4,631 SH   SOLE   0 0 4,631
ISHARES TR RUSSELL 2000 ETF 464287655 3,130 15,962 SH   SOLE   806 0 15,156
ISHARES TR SELECT DIVID ETF 464287168 587 6,102 SH   SOLE   0 0 6,102
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 37,938 746,953 SH   SOLE   31,876 0 715,077
JOHNSON & JOHNSON COM 478160104 1,973 12,538 SH   SOLE   1,132 0 11,406
JPMORGAN CHASE & CO COM 46625H100 3,239 25,492 SH   SOLE   353 0 25,139
KIMBERLY-CLARK CORP COM 494368103 236 1,750 SH   SOLE   0 0 1,750
KINDER MORGAN INC DEL COM 49456B101 612 44,760 SH   SOLE   0 0 44,760
L3HARRIS TECHNOLOGIES INC COM 502431109 321 1,698 SH   SOLE   0 0 1,698
LABORATORY CORP AMER HLDGS COM NEW 50540R409 1,301 6,390 SH   SOLE   486 0 5,904
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 839 29,639 SH   SOLE   605 0 29,034
LEIDOS HOLDINGS INC COM 525327102 264 2,510 SH   SOLE   0 0 2,510
LILLY ELI & CO COM 532457108 640 3,788 SH   SOLE   792 0 2,996
LOWES COS INC COM 548661107 294 1,832 SH   SOLE   0 0 1,832
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 365 3,980 SH   SOLE   0 0 3,980
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 304 7,164 SH   SOLE   678 0 6,486
MARRIOTT INTL INC NEW CL A 571903202 372 2,820 SH   SOLE   0 0 2,820
MASTERCARD INCORPORATED CL A 57636Q104 436 1,222 SH   SOLE   0 0 1,222
MCCORMICK & CO INC COM VTG 579780107 1,969 20,604 SH   SOLE   0 0 20,604
MCDONALDS CORP COM 580135101 1,483 6,909 SH   SOLE   141 0 6,768
MEDTRONIC PLC SHS G5960L103 639 5,459 SH   SOLE   0 0 5,459
MERCK & CO. INC COM 58933Y105 1,621 19,811 SH   SOLE   2,663 0 17,148
MICROCHIP TECHNOLOGY INC. COM 595017104 355 2,571 SH   SOLE   0 0 2,571
MICROSOFT CORP COM 594918104 3,521 15,830 SH   SOLE   2,440 0 13,390
MONDELEZ INTL INC CL A 609207105 478 8,171 SH   SOLE   0 0 8,171
MORGAN STANLEY COM NEW 617446448 382 5,575 SH   SOLE   0 0 5,575
NEXTERA ENERGY INC COM 65339F101 2,237 28,992 SH   SOLE   5,900 0 23,092
NIKE INC CL B 654106103 351 2,479 SH   SOLE   932 0 1,547
NORFOLK SOUTHN CORP COM 655844108 2,135 8,985 SH   SOLE   1,500 0 7,485
NORTHROP GRUMMAN CORP COM 666807102 618 2,027 SH   SOLE   258 0 1,769
NOVO-NORDISK A S ADR 670100205 226 3,235 SH   SOLE   2,110 0 1,125
ORACLE CORP COM 68389X105 288 4,453 SH   SOLE   0 0 4,453
PAYPAL HLDGS INC COM 70450Y103 363 1,549 SH   SOLE   391 0 1,158
PEPSICO INC COM 713448108 2,070 13,961 SH   SOLE   0 0 13,961
PFIZER INC COM 717081103 2,180 59,233 SH   SOLE   10,753 0 48,480
PHILIP MORRIS INTL INC COM 718172109 505 6,102 SH   SOLE   0 0 6,102
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 13,822 135,456 SH   SOLE   7,305 0 128,151
PNC FINL SVCS GROUP INC COM 693475105 343 2,301 SH   SOLE   0 0 2,301
PPG INDS INC COM 693506107 240 1,666 SH   SOLE   0 0 1,666
PROCTER AND GAMBLE CO COM 742718109 1,428 10,264 SH   SOLE   2,625 0 7,639
PROSHARES TR LARGE CAP CRE 74347R248 206 2,441 SH   SOLE   0 0 2,441
QUALCOMM INC COM 747525103 233 1,532 SH   SOLE   0 0 1,532
QUEST DIAGNOSTICS INC COM 74834L100 318 2,670 SH   SOLE   0 0 2,670
RAYTHEON TECHNOLOGIES CORP COM 75513E101 489 6,841 SH   SOLE   0 0 6,841
ROCKWELL AUTOMATION INC COM 773903109 235 935 SH   SOLE   100 0 835
ROPER TECHNOLOGIES INC COM 776696106 805 1,867 SH   SOLE   127 0 1,740
RPM INTL INC COM 749685103 272 3,000 SH   SOLE   0 0 3,000
SALESFORCE COM INC COM 79466L302 562 2,524 SH   SOLE   350 0 2,174
SANDY SPRING BANCORP INC COM 800363103 1,118 34,718 SH   SOLE   1 0 34,717
SCHWAB CHARLES CORP COM 808513105 288 5,431 SH   SOLE   0 0 5,431
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 237 4,610 SH   SOLE   0 0 4,610
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 970 10,659 SH   SOLE   0 0 10,659
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 222 1,730 SH   SOLE   0 0 1,730
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 96,043 1,055,994 SH   SOLE   31,112 0 1,024,882
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 238 3,496 SH   SOLE   920 0 2,576
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,028 11,547 SH   SOLE   3,742 0 7,805
SOLAREDGE TECHNOLOGIES INC COM 83417M104 232 727 SH   SOLE   0 0 727
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 275 900 SH   SOLE   0 0 900
SPDR S&P 500 ETF TR TR UNIT 78462F103 28,572 76,420 SH   SOLE   957 0 75,463
SPDR S&P 500 ETF TR TR UNIT 78462F103 561 1,500 SH Put SOLE   0 0 1,500
STANLEY BLACK & DECKER INC COM 854502101 201 1,126 SH   SOLE   0 0 1,126
STARBUCKS CORP COM 855244109 325 3,037 SH   SOLE   0 0 3,037
STRYKER CORPORATION COM 863667101 557 2,273 SH   SOLE   27 0 2,246
TARGET CORP COM 87612E106 954 5,406 SH   SOLE   866 0 4,540
THERMO FISHER SCIENTIFIC INC COM 883556102 568 1,219 SH   SOLE   364 0 855
TJX COS INC NEW COM 872540109 460 6,740 SH   SOLE   0 0 6,740
TRAVELERS COMPANIES INC COM 89417E109 567 4,040 SH   SOLE   938 0 3,102
TREX CO INC COM 89531P105 981 11,719 SH   SOLE   0 0 11,719
TRUIST FINL CORP COM 89832Q109 285 5,939 SH   SOLE   0 0 5,939
UNION PAC CORP COM 907818108 1,131 5,434 SH   SOLE   165 0 5,269
UNITED BANKSHARES INC WEST V COM 909907107 210 6,493 SH   SOLE   0 0 6,493
UNITED PARCEL SERVICE INC CL B 911312106 840 4,988 SH   SOLE   0 0 4,988
UNITED RENTALS INC COM 911363109 390 1,680 SH   SOLE   0 0 1,680
UNITEDHEALTH GROUP INC COM 91324P102 1,224 3,491 SH   SOLE   722 0 2,769
US BANCORP DEL COM NEW 902973304 253 5,432 SH   SOLE   1,531 0 3,901
VALERO ENERGY CORP COM 91913Y100 384 6,780 SH   SOLE   0 0 6,780
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 297 1,907 SH   SOLE   0 0 1,907
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 776 9,360 SH   SOLE   0 0 9,360
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 507 3,078 SH   SOLE   0 0 3,078
VANGUARD INDEX FDS MID CAP ETF 922908629 8,566 41,426 SH   SOLE   6,845 0 34,581
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 59,749 173,845 SH   SOLE   5,460 0 168,385
VANGUARD INDEX FDS SMALL CP ETF 922908751 403 2,068 SH   SOLE   0 0 2,068
VANGUARD INDEX FDS TOTAL STK MKT 922908769 902 4,635 SH   SOLE   0 0 4,635
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 537 10,725 SH   SOLE   0 0 10,725
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 391 4,691 SH   SOLE   0 0 4,691
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 814 17,239 SH   SOLE   31 0 17,208
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 286 3,129 SH   SOLE   600 0 2,529
VERB TECHNOLOGY CO INC COM 92337U104 173 104,858 SH   SOLE   0 0 104,858
VERISK ANALYTICS INC COM 92345Y106 223 1,075 SH   SOLE   265 0 810
VERIZON COMMUNICATIONS INC COM 92343V104 1,736 29,549 SH   SOLE   318 0 29,231
VISA INC COM CL A 92826C839 2,681 12,256 SH   SOLE   739 0 11,517
WALMART INC COM 931142103 741 5,141 SH   SOLE   0 0 5,141
WISDOMTREE TR CHINADIV EX FI 97717X719 4,400 66,895 SH   SOLE   1,800 0 65,095
WISDOMTREE TR EM EX ST-OWNED 97717X578 9,798 246,977 SH   SOLE   8,171 0 238,806
YUM BRANDS INC COM 988498101 304 2,797 SH   SOLE   0 0 2,797
ZIMMER BIOMET HOLDINGS INC COM 98956P102 392 2,541 SH   SOLE   178 0 2,363
ZOETIS INC CL A 98978V103 420 2,540 SH   SOLE   1,544 0 996