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 380 1,973 SH   SOLE   0 0 1,973
A T & T INC NEW COM 00206R102 1,086 35,868 SH   SOLE   0 0 35,868
ABBOTT LABORATORIES COM 002824100 2,137 17,831 SH   SOLE   0 0 17,831
ABBVIE INC COM 00287Y109 1,676 15,486 SH   SOLE   0 0 15,486
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 337 20,570 SH   SOLE   0 0 20,570
ADVANCED MICRO DEVICES INC COM 007903107 508 6,476 SH   SOLE   0 0 6,476
ALLSTATE CORP COM 020002101 703 6,123 SH   SOLE   0 0 6,123
ALTRIA GROUP INC COM 02209S103 227 4,432 SH   SOLE   0 0 4,432
AMAZON COM INC COM 023135106 6,027 1,948 SH   SOLE   0 0 1,948
AMGEN INC COM 031162100 362 1,456 SH   SOLE   0 0 1,456
AMPLIFY ETF TR BLOCKCHAIN LDR 032108607 228 4,075 SH   SOLE   0 0 4,075
APPLE INC COM 037833100 23,372 191,340 SH   SOLE   0 0 191,340
ARK ETF TR AUTNMUS TECHNLGY 00214Q203 206 2,459 SH   SOLE   0 0 2,459
ARK ETF TR INNOVATION ETF 00214Q104 201 1,676 SH   SOLE   0 0 1,676
AUTODESK INC COM 052769106 413 1,490 SH   SOLE   0 0 1,490
BANK AMER CORP COM 060505104 492 12,726 SH   SOLE   0 0 12,726
BAXTER INTERNATIONAL INC COM 071813109 379 4,499 SH   SOLE   0 0 4,499
BECTON DICKINSON & CO COM 075887109 233 958 SH   SOLE   0 0 958
BERKSHIRE HATHAWAY B NEW CLASS B COM 084670207 3,603 14,102 SH   SOLE   0 0 14,102
BOEING CO COM 097023105 333 1,306 SH   SOLE   0 0 1,306
BRISTOL MYERS SQUIBB CO COM 110122108 336 5,322 SH   SOLE   0 0 5,322
CAPITAL ONE FINL CORP COM 14040H105 6,424 50,490 SH   SOLE   0 0 50,490
CATERPILLAR INC DEL COM 149123101 340 1,468 SH   SOLE   0 0 1,468
CBOE HLDGS INC COM 12503M108 249 2,520 SH   SOLE   0 0 2,520
CF INDS HLDGS INC COM 125269100 358 7,892 SH   SOLE   0 0 7,892
CHEVRON CORP NEW COM 166764100 254 2,423 SH   SOLE   0 0 2,423
CISCO SYS INC COM 17275R102 570 11,015 SH   SOLE   0 0 11,015
CME GROUP INC CL A CLASS A COM 12572Q105 1,017 4,980 SH   SOLE   0 0 4,980
COCA COLA COMPANY COM 191216100 569 10,793 SH   SOLE   0 0 10,793
CONSOLIDATED EDISON INC COM 209115104 300 4,010 SH   SOLE   0 0 4,010
COPART INC COM 217204106 217 2,000 SH   SOLE   0 0 2,000
COSTCO WHSL CORP NEW COM 22160K105 1,247 3,536 SH   SOLE   0 0 3,536
DANAHER CORP COM 235851102 267 1,188 SH   SOLE   0 0 1,188
DEER & CO COM 244199105 860 2,300 SH   SOLE   0 0 2,300
DISNEY WALT CO COM DISNEY 254687106 1,720 9,323 SH   SOLE   0 0 9,323
DOMINION ENERGY INC COM 25746U109 353 4,648 SH   SOLE   0 0 4,648
ECOLAB INC COM 278865100 229 1,072 SH   SOLE   0 0 1,072
EDWARDS LIFESCIENCES CORP COM 28176E108 277 3,316 SH   SOLE   0 0 3,316
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 286 5,205 SH   SOLE   0 0 5,205
EXXON MOBIL CORPORATION COM 30231G102 771 13,806 SH   SOLE   0 0 13,806
FACEBOOK INC CL A 30303M102 1,292 4,387 SH   SOLE   0 0 4,387
FASTLY INC CL A 31188V100 302 4,486 SH   SOLE   0 0 4,486
FIFTH THIRD BANCORP COM 316773100 267 7,137 SH   SOLE   0 0 7,137
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506 280 6,145 SH   SOLE   0 0 6,145
GENERAL ELECTRIC COMPANY COM 369604103 147 11,170 SH   SOLE   0 0 11,170
GOGO INC COM 38046C109 103 10,659 SH   SOLE   0 0 10,659
GOOGLE INC CL C 38259P706 3,196 1,545 SH   SOLE   0 0 1,545
GOOGLE INC CL A 38259P508 569 276 SH   SOLE   0 0 276
HERSHEY CO CL A 427866108 266 1,680 SH   SOLE   0 0 1,680
HOME DEPOT INC COM 437076102 922 3,022 SH   SOLE   0 0 3,022
ILLINOIS TOOL WKS INC COM 452308109 776 3,503 SH   SOLE   0 0 3,503
INTEL CORP COM 458140100 691 10,798 SH   SOLE   0 0 10,798
INTL BUSINESS MACHINES COM 459200101 252 1,888 SH   SOLE   0 0 1,888
ISHARES CORE S&P500 ETF 464287200 2,537 6,376 SH   SOLE   0 0 6,376
ISHARES RUSSELL1000GRW 464287614 36,226 149,055 SH   SOLE   0 0 149,055
ISHARES RUSSELL1000VAL 464287598 37,505 247,477 SH   SOLE   0 0 247,477
ISHARES RUSSELL MCP VL 464287473 1,355 12,395 SH   SOLE   0 0 12,395
ISHARES RUSSELL MIDCAP 464287499 3,132 42,362 SH   SOLE   0 0 42,362
iSHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 250 3,890 SH   SOLE   0 0 3,890
ISHARES GOLD TRUST ISHARES 464285105 55,712 3,426,332 SH   SOLE   0 0 3,426,332
iSHARES TR CORE S&P MCP ETF 464287507 703 2,701 SH   SOLE   0 0 2,701
ISHARES TR MSCI INDIA ETF 46429B598 215 5,100 SH   SOLE   0 0 5,100
ISHARES TR RUS 1000 ETF 464287622 467 2,085 SH   SOLE   0 0 2,085
ISHARES TR RUS MD CP GR ETF 464287481 1,292 12,655 SH   SOLE   0 0 12,655
JOHNSON & JOHNSON COM 478160104 980 5,965 SH   SOLE   0 0 5,965
JPMORGAN CHASE & CO COM 46625H100 921 6,049 SH   SOLE   0 0 6,049
LILLY ELI & CO COM 532457108 293 1,570 SH   SOLE   0 0 1,570
MASTERCARD INCORPORATED CL A 57636Q104 202 566 SH   SOLE   0 0 566
MC DONALDS CORP COM 580135101 2,205 9,839 SH   SOLE   0 0 9,839
MERCK & CO INC NEW COM 58933Y105 583 7,568 SH   SOLE   0 0 7,568
MICRON TECHNOLOGY INC COM 595112103 205 2,323 SH   SOLE   0 0 2,323
MICROSOFT CORP COM 594918104 6,570 27,865 SH   SOLE   0 0 27,865
MODERNA INC COM 60770K107 307 2,342 SH   SOLE   0 0 2,342
NETFLIX INC COM 64110L106 602 1,154 SH   SOLE   0 0 1,154
NVIDIA CORP COM 67066G104 874 1,637 SH   SOLE   0 0 1,637
OKTA INC CL A 679295105 235 1,065 SH   SOLE   0 0 1,065
ORACLE CORPORATION COM 68389X105 1,860 26,508 SH   SOLE   0 0 26,508
PEPSICO INCORPORATED COM 713448108 1,068 7,550 SH   SOLE   0 0 7,550
PFIZER INCORPORATED COM 717081103 1,234 34,067 SH   SOLE   0 0 34,067
PHILIP MORRIS INTL INC COM 718172109 216 2,431 SH   SOLE   0 0 2,431
PINTEREST INC CL A 72352L106 270 3,652 SH   SOLE   0 0 3,652
PNC FINL SVCS GROUP INC COM 693475105 239 1,365 SH   SOLE   0 0 1,365
PORCH GROUP INC COM 733245104 185 10,480 SH   SOLE   0 0 10,480
POWERSHS QQQ TRUST SER 1 UNIT SER 1 73935A104 5,764 18,060 SH   SOLE   0 0 18,060
PROCTER & GAMBLE COM 742718109 432 3,192 SH   SOLE   0 0 3,192
PROSHARES TR SHRT 20+YR TRE 74347X849 233 12,842 SH   SOLE   0 0 12,842
PROSHARES TR SHT 7-10 YR TR 74348A608 248 9,835 SH   SOLE   0 0 9,835
PTC THERAPEUTICS INC COM 69366J200 304 6,413 SH   SOLE   0 0 6,413
QUALCOMM INC COM 747525103 601 4,533 SH   SOLE   0 0 4,533
ROKU INC COM CL A 77543R102 328 1,008 SH   SOLE   0 0 1,008
SANDY SPRING BANCORP INC COM 800363103 595 13,699 SH   SOLE   0 0 13,699
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 20,500 314,031 SH   SOLE   0 0 314,031
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 20,603 158,756 SH   SOLE   0 0 158,756
SCHWAB STRATEGIC TR US DIV EQT ETF 808524797 4,378 60,043 SH   SOLE   0 0 60,043
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 31,207 419,280 SH   SOLE   0 0 419,280
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 253 1,906 SH   SOLE   0 0 1,906
SHOPIFY INC CL A 82509L107 2,448 2,212 SH   SOLE   0 0 2,212
SOUTHERN CO COM 842587107 231 3,710 SH   SOLE   0 0 3,710
SPDR GOLD TRUST SPDR GOLD SHARES GOLD SHS 78463V107 5,837 36,490 SH   SOLE   0 0 36,490
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 218 4,617 SH   SOLE   0 0 4,617
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,039 25,330 SH   SOLE   0 0 25,330
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 726 6,154 SH   SOLE   0 0 6,154
STARBUCKS CORP COM 855244109 223 2,042 SH   SOLE   0 0 2,042
TESLA INC COM 88160R101 2,926 4,381 SH   SOLE   0 0 4,381
THE TRADE DESK INC COM CL A 88339J105 220 337 SH   SOLE   0 0 337
UNITED PARCEL SERVICE INC CL B 911312106 265 1,556 SH   SOLE   0 0 1,556
UNITED STS COMMODITY INDEX F CM REP COPP FD 911718104 203 8,240 SH   SOLE   0 0 8,240
US BANCORP DEL COM NEW 902973304 210 3,794 SH   SOLE   0 0 3,794
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 399 4,860 SH   SOLE   0 0 4,860
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 280 4,905 SH   SOLE   0 0 4,905
VANGUARD DIV APPRCIATION DIV APP ETF 921908844 1,069 7,266 SH   SOLE   0 0 7,266
VANGUARD INDEX FDS VALUE ETF 922908744 44,164 335,948 SH   SOLE   0 0 335,948
VANGUARD INDEX FDS TOTAL STK MKT 922908769 23,650 114,423 SH   SOLE   0 0 114,423
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 25,897 71,086 SH   SOLE   0 0 71,086
VANGUARD INDEX FDS GROWTH ETF 922908736 29,715 115,605 SH   SOLE   0 0 115,605
VANGUARD INDEX FDS MID CAP ETF 922908629 43,475 196,416 SH   SOLE   0 0 196,416
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,851 27,333 SH   SOLE   0 0 27,333
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,347 9,988 SH   SOLE   0 0 9,988
VANGUARD INDEX FDS SM CP VAL ETF 922908611 267 1,612 SH   SOLE   0 0 1,612
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 28,376 113,500 SH   SOLE   0 0 113,500
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,218 106,252 SH   SOLE   0 0 106,252
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 213 2,106 SH   SOLE   0 0 2,106
VANGUARD WORLD FDS INF TECH ETF 92204A702 265 739 SH   SOLE   0 0 739
VERIZON COMMUNICATIONS COM 92343V104 987 16,973 SH   SOLE   0 0 16,973
VISA INC COM CL A 92826C839 399 1,884 SH   SOLE   0 0 1,884
WAL MART STORES INC COM 931142103 276 2,033 SH   SOLE   0 0 2,033
WALGREENS BOOTS ALLIANCE INC COM 031427108 1,005 18,311 SH   SOLE   0 0 18,311
WILLIAMS SONOMA INC COM 969904101 5,824 32,500 SH   SOLE   0 0 32,500
WISDOMTREE TRUST DIV EX-FINL FD 97717W406 1,927 20,435 SH   SOLE   0 0 20,435
WISDOMTREE TRUST LARGECAP DIVID 97717W307 2,838 24,745 SH   SOLE   0 0 24,745