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
APPLE INC COM 037833100 756 5,246 SH   SOLE   0 0 5,246
BANK AMER CORP COM 060505104 255 10,514 SH   SOLE   0 0 10,514
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 329 1,943 SH   SOLE   0 0 1,943
BRISTOL MYERS SQUIBB CO COM 110122108 330 5,920 SH   SOLE   0 0 5,920
CHEVRON CORP NEW COM 166764100 454 4,348 SH   SOLE   0 0 4,348
CITIGROUP INC COM NEW 172967424 10,146 151,710 SH   SOLE   0 0 151,710
DELTA AIR LINES INC DEL COM NEW 247361702 11,078 206,146 SH   SOLE   0 0 206,146
FIDELITY MSCI HLTH CARE I 316092600 13,139 343,133 SH   SOLE   0 0 343,133
FRESENIUS MED CARE AG&CO KGA SPONSORED ADR 358029106 387 8,000 SH   SOLE   0 0 8,000
GENERAL ELECTRIC CO COM 369604103 904 33,477 SH   SOLE   0 0 33,477
HOME DEPOT INC COM 437076102 676 4,408 SH   SOLE   0 0 4,408
HOWARD BANCORP INC COM 442496105 1,940 100,784 SH   SOLE   0 0 100,784
IMMUNOMEDICS INC COM 452907108 115 13,000 SH   SOLE   0 0 13,000
ISHARES MIN VOL EMRG MKT 464286533 18,821 339,729 SH   SOLE   0 0 339,729
ISHARES TR CORE S&P TTL STK 464287150 19,275 347,805 SH   SOLE   0 0 347,805
ISHARES TR NASDQ BIOTEC ETF 464287556 238 767 SH   SOLE   0 0 767
ISHARES TR INTL SEL DIV ETF 464288448 22,483 687,124 SH   SOLE   0 0 687,124
LILIS ENERGY INC COM NEW 532403201 123 25,000 SH   SOLE   0 0 25,000
LILLY ELI & CO COM 532457108 278 3,376 SH   SOLE   0 0 3,376
MCDONALDS CORP COM 580135101 203 1,324 SH   SOLE   0 0 1,324
MICROSOFT CORP COM 594918104 703 10,205 SH   SOLE   0 0 10,205
NUCOR CORP COM 670346105 318 5,500 SH   SOLE   0 0 5,500
PFIZER INC COM 717081103 313 9,323 SH   SOLE   0 0 9,323
RED HAT INC COM 756577102 479 5,000 SH   SOLE   0 0 5,000
SINCLAIR BROADCAST GROUP INC CL A 829226109 8,795 267,313 SH   SOLE   0 0 267,313
TCW STRATEGIC INCOME FUND IN COM 872340104 58 10,245 SH   SOLE   0 0 10,245
UNITED TECHNOLOGIES CORP COM 913017109 440 3,600 SH   SOLE   0 0 3,600
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 839 20,298 SH   SOLE   0 0 20,298
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 287 7,040 SH   SOLE   0 0 7,040
VANGUARD INDEX FDS VALUE ETF 922908744 490 5,076 SH   SOLE   0 0 5,076
VANGUARD INDEX FDS TOTAL STK MKT 922908769 592 4,753 SH   SOLE   0 0 4,753
WELLS FARGO CO NEW COM 949746101 215 3,873 SH   SOLE   0 0 3,873
AT&T INC COM 00206R102 339 8,990 SH   SOLE   0 0 8,990
AMERICAN AIRLS GROUP INC COM 02376R102 438 8,700 SH   SOLE   0 0 8,700
CISCO SYS INC COM 17275R102 656 20,958 SH   SOLE   0 0 20,958
COMCAST CORP NEW CL A 20030N101 432 11,106 SH   SOLE   0 0 11,106
EQUINIX INC COM PAR $0.001 29444U700 234 546 SH   SOLE   0 0 546
EXXON MOBIL CORP COM 30231G102 251 3,111 SH   SOLE   0 0 3,111
ISHARES TR CORE MSCI TOTAL 46432F834 11,784 205,441 SH   SOLE   0 0 205,441
ISHARES TR CORE MSCI EAFE 46432F842 319 5,243 SH   SOLE   0 0 5,243
ISHARES TR CORE ST USDB ETF 46432F859 420 8,355 SH   SOLE   0 0 8,355
ISHARES TR CORE DIV GRWTH 46434V621 1,749 55,835 SH   SOLE   0 0 55,835
JPMORGAN CHASE & CO COM 46625H100 456 4,986 SH   SOLE   0 0 4,986
NVR INC COM 62944T105 4,836 2,006 SH   SOLE   0 0 2,006
NUVEEN FLTNG RTE INCM OPP FD COM SHS 6706EN100 119 10,186 SH   SOLE   0 0 10,186
ORACLE CORP COM 68389X105 382 7,613 SH   SOLE   0 0 7,613
PAYPAL HLDGS INC COM 70450Y103 5,892 109,785 SH   SOLE   0 0 109,785
SPDR S&P 500 ETF TR TR UNIT 78462F103 231 954 SH   SOLE   0 0 954
SPDR GOLD TRUST GOLD SHS 78463V107 314 2,661 SH   SOLE   0 0 2,661
SEALED AIR CORP NEW COM 81211K100 555 12,391 SH   SOLE   0 0 12,391
SIRIUS XM HLDGS INC COM 82968B103 118 21,606 SH   SOLE   0 0 21,606
3M CO COM 88579Y101 287 1,379 SH   SOLE   0 0 1,379
ALLEGION PUB LTD CO ORD SHS G0176J109 806 9,933 SH   SOLE   0 0 9,933
ALLERGAN PLC SHS G0177J108 14,679 60,383 SH   SOLE   0 0 60,383
INGERSOLL-RAND PLC SHS G47791101 2,742 30,000 SH   SOLE   0 0 30,000
CYREN LTD SHS M26895108 253 123,630 SH   SOLE   0 0 123,630
ON TRACK INNOVATION LTD SHS M8791A109 16 12,000 SH   SOLE   0 0 12,000