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 393 1,980 SH   SOLE   0 0 1,980
A T & T INC NEW COM 00206R102 1,016 35,312 SH   SOLE   0 0 35,312
ABBOTT LABORATORIES COM 002824100 2,072 17,873 SH   SOLE   0 0 17,873
ABBVIE INC COM 00287Y109 1,790 15,891 SH   SOLE   0 0 15,891
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 349 20,570 SH   SOLE   0 0 20,570
ADVANCED MICRO DEVICES INC COM 007903107 307 3,265 SH   SOLE   0 0 3,265
ALLSTATE CORP COM 020002101 708 5,425 SH   SOLE   0 0 5,425
ALTRIA GROUP INC COM 02209S103 264 5,545 SH   SOLE   0 0 5,545
AMAZON COM INC COM 023135106 6,477 1,883 SH   SOLE   0 0 1,883
AMGEN INC COM 031162100 356 1,461 SH   SOLE   0 0 1,461
APPLE INC COM 037833100 25,934 189,358 SH   SOLE   0 0 189,358
ARK ETF TR INNOVATION ETF 00214Q104 220 1,685 SH   SOLE   0 0 1,685
AUTODESK INC COM 052769106 333 1,140 SH   SOLE   0 0 1,140
BANK AMER CORP COM 060505104 529 12,833 SH   SOLE   0 0 12,833
BAXTER INTERNATIONAL INC COM 071813109 362 4,501 SH   SOLE   0 0 4,501
BECTON DICKINSON & CO COM 075887109 233 958 SH   SOLE   0 0 958
BERKSHIRE HATHAWAY B NEW CLASS B COM 084670207 3,543 12,747 SH   SOLE   0 0 12,747
BOEING CO COM 097023105 298 1,245 SH   SOLE   0 0 1,245
BRISTOL MYERS SQUIBB CO COM 110122108 358 5,364 SH   SOLE   0 0 5,364
CAPITAL ONE FINL CORP COM 14040H105 7,335 47,419 SH   SOLE   0 0 47,419
CATERPILLAR INC DEL COM 149123101 320 1,468 SH   SOLE   0 0 1,468
CBOE HLDGS INC COM 12503M108 300 2,520 SH   SOLE   0 0 2,520
CF INDS HLDGS INC COM 125269100 367 7,138 SH   SOLE   0 0 7,138
CHEVRON CORP NEW COM 166764100 296 2,823 SH   SOLE   0 0 2,823
CISCO SYS INC COM 17275R102 587 11,077 SH   SOLE   0 0 11,077
CME GROUP INC CL A CLASS A COM 12572Q105 1,059 4,980 SH   SOLE   0 0 4,980
COCA COLA COMPANY COM 191216100 581 10,743 SH   SOLE   0 0 10,743
CONSOLIDATED EDISON INC COM 209115104 288 4,010 SH   SOLE   0 0 4,010
COPART INC COM 217204106 264 2,000 SH   SOLE   0 0 2,000
COSTCO WHSL CORP NEW COM 22160K105 1,366 3,451 SH   SOLE   0 0 3,451
DANAHER CORP COM 235851102 319 1,188 SH   SOLE   0 0 1,188
DEER & CO COM 244199105 812 2,302 SH   SOLE   0 0 2,302
DISNEY WALT CO COM DISNEY 254687106 1,650 9,388 SH   SOLE   0 0 9,388
DOMINION ENERGY INC COM 25746U109 342 4,648 SH   SOLE   0 0 4,648
ECOLAB INC COM 278865100 222 1,077 SH   SOLE   0 0 1,077
EDWARDS LIFESCIENCES CORP COM 28176E108 306 2,956 SH   SOLE   0 0 2,956
EQUIFAX INC COM 294429105 240 1,000 SH   SOLE   0 0 1,000
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 316 5,205 SH   SOLE   0 0 5,205
EXXON MOBIL CORPORATION COM 30231G102 792 12,561 SH   SOLE   0 0 12,561
FACEBOOK INC CL A 30303M102 1,525 4,387 SH   SOLE   0 0 4,387
FASTLY INC CL A 31188V100 235 3,939 SH   SOLE   0 0 3,939
FIFTH THIRD BANCORP COM 316773100 273 7,137 SH   SOLE   0 0 7,137
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506 380 7,905 SH   SOLE   0 0 7,905
FORD MTR CO DEL COM PAR $0.01 345370860 164 11,012 SH   SOLE   0 0 11,012
GENERAL ELECTRIC COMPANY COM 369604103 164 12,218 SH   SOLE   0 0 12,218
GILEAD SCIENCES INC COM 375558103 217 3,147 SH   SOLE   0 0 3,147
GLOBAL X FDS AUTONMOUS EV ETF 37954Y624 336 11,880 SH   SOLE   0 0 11,880
GOGO INC COM 38046C109 124 10,924 SH   SOLE   0 0 10,924
GOOGLE INC CL C 38259P706 3,717 1,483 SH   SOLE   0 0 1,483
GOOGLE INC CL A 38259P508 662 271 SH   SOLE   0 0 271
HERSHEY CO CL A 427866108 293 1,680 SH   SOLE   0 0 1,680
HOME DEPOT INC COM 437076102 968 3,035 SH   SOLE   0 0 3,035
ILLINOIS TOOL WKS INC COM 452308109 783 3,503 SH   SOLE   0 0 3,503
INTEL CORP COM 458140100 576 10,260 SH   SOLE   0 0 10,260
INTL BUSINESS MACHINES COM 459200101 273 1,862 SH   SOLE   0 0 1,862
ISHARES CORE S&P500 ETF 464287200 3,800 8,838 SH   SOLE   0 0 8,838
ISHARES RUSSELL1000GRW 464287614 39,776 146,514 SH   SOLE   0 0 146,514
ISHARES RUSSELL1000VAL 464287598 39,543 249,291 SH   SOLE   0 0 249,291
ISHARES RUSSELL MCP VL 464287473 1,743 15,160 SH   SOLE   0 0 15,160
ISHARES RUSSELL MIDCAP 464287499 3,693 46,605 SH   SOLE   0 0 46,605
iSHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 261 3,890 SH   SOLE   0 0 3,890
ISHARES GOLD TRUST ISHARES 464285105 58,162 1,725,352 SH   SOLE   0 0 1,725,352
iSHARES TR CORE S&P MCP ETF 464287507 728 2,710 SH   SOLE   0 0 2,710
ISHARES TR MSCI INDIA ETF 46429B598 226 5,100 SH   SOLE   0 0 5,100
ISHARES TR RUS 1000 ETF 464287622 815 3,365 SH   SOLE   0 0 3,365
ISHARES TR RUS MD CP GR ETF 464287481 1,724 15,230 SH   SOLE   0 0 15,230
ISHARES S&P GSCI COMMODITY UNIT BEN INT 46428R107 182 11,319 SH   SOLE   0 0 11,319
JOHNSON & JOHNSON COM 478160104 975 5,917 SH   SOLE   0 0 5,917
JPMORGAN CHASE & CO COM 46625H100 943 6,060 SH   SOLE   0 0 6,060
LILLY ELI & CO COM 532457108 360 1,570 SH   SOLE   0 0 1,570
MC DONALDS CORP COM 580135101 2,279 9,868 SH   SOLE   0 0 9,868
MERCK & CO INC NEW COM 58933Y105 556 7,146 SH   SOLE   0 0 7,146
MICROSOFT CORP COM 594918104 7,510 27,723 SH   SOLE   0 0 27,723
MODERNA INC COM 60770K107 588 2,502 SH   SOLE   0 0 2,502
NETFLIX INC COM 64110L106 601 1,138 SH   SOLE   0 0 1,138
NVIDIA CORP COM 67066G104 1,307 1,634 SH   SOLE   0 0 1,634
OKTA INC CL A 679295105 262 1,069 SH   SOLE   0 0 1,069
ORACLE CORPORATION COM 68389X105 2,065 26,533 SH   SOLE   0 0 26,533
PEPSICO INCORPORATED COM 713448108 1,119 7,550 SH   SOLE   0 0 7,550
PFIZER INCORPORATED COM 717081103 1,289 32,905 SH   SOLE   0 0 32,905
PHILIP MORRIS INTL INC COM 718172109 241 2,434 SH   SOLE   0 0 2,434
PINTEREST INC CL A 72352L106 257 3,257 SH   SOLE   0 0 3,257
PNC FINL SVCS GROUP INC COM 693475105 260 1,365 SH   SOLE   0 0 1,365
PORCH GROUP INC COM 733245104 203 10,480 SH   SOLE   0 0 10,480
POWERSHS QQQ TRUST SER 1 UNIT SER 1 73935A104 6,554 18,492 SH   SOLE   0 0 18,492
PROCTER & GAMBLE COM 742718109 414 3,067 SH   SOLE   0 0 3,067
PROSHARES TR SHRT 20+YR TRE 74347X849 358 21,210 SH   SOLE   0 0 21,210
PROSHARES TR SHT 7-10 YR TR 74348A608 339 13,815 SH   SOLE   0 0 13,815
PTC THERAPEUTICS INC COM 69366J200 271 6,413 SH   SOLE   0 0 6,413
QUALCOMM INC COM 747525103 649 4,542 SH   SOLE   0 0 4,542
ROKU INC COM CL A 77543R102 288 628 SH   SOLE   0 0 628
SANDY SPRING BANCORP INC COM 800363103 605 13,699 SH   SOLE   0 0 13,699
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 22,450 328,367 SH   SOLE   0 0 328,367
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 24,443 167,460 SH   SOLE   0 0 167,460
SCHWAB STRATEGIC TR US DIV EQT ETF 808524797 6,203 82,035 SH   SOLE   0 0 82,035
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 33,950 433,757 SH   SOLE   0 0 433,757
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 281 1,906 SH   SOLE   0 0 1,906
SHOPIFY INC CL A 82509L107 3,015 2,064 SH   SOLE   0 0 2,064
SOUTHERN CO COM 842587107 224 3,710 SH   SOLE   0 0 3,710
SPDR GOLD TRUST SPDR GOLD SHARES GOLD SHS 78463V107 5,628 33,980 SH   SOLE   0 0 33,980
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 239 4,648 SH   SOLE   0 0 4,648
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,703 25,004 SH   SOLE   0 0 25,004
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 750 6,131 SH   SOLE   0 0 6,131
STARBUCKS CORP COM 855244109 228 2,043 SH   SOLE   0 0 2,043
TARGET CORP COM 87612E106 249 1,030 SH   SOLE   0 0 1,030
TESLA INC COM 88160R101 2,935 4,318 SH   SOLE   0 0 4,318
THE TRADE DESK INC COM CL A 88339J105 278 3,600 SH   SOLE   0 0 3,600
UNITED PARCEL SERVICE INC CL B 911312106 324 1,556 SH   SOLE   0 0 1,556
UNITED STS COMMODITY INDEX F CM REP COPP FD 911718104 805 30,707 SH   SOLE   0 0 30,707
US BANCORP DEL COM NEW 902973304 216 3,794 SH   SOLE   0 0 3,794
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 399 4,862 SH   SOLE   0 0 4,862
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 281 4,915 SH   SOLE   0 0 4,915
VANGUARD DIV APPRCIATION DIV APP ETF 921908844 1,126 7,276 SH   SOLE   0 0 7,276
VANGUARD INDEX FDS VALUE ETF 922908744 46,264 336,566 SH   SOLE   0 0 336,566
VANGUARD INDEX FDS TOTAL STK MKT 922908769 28,705 128,828 SH   SOLE   0 0 128,828
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 28,864 73,349 SH   SOLE   0 0 73,349
VANGUARD INDEX FDS GROWTH ETF 922908736 32,652 113,845 SH   SOLE   0 0 113,845
VANGUARD INDEX FDS MID CAP ETF 922908629 48,291 203,458 SH   SOLE   0 0 203,458
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,961 17,583 SH   SOLE   0 0 17,583
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,726 12,283 SH   SOLE   0 0 12,283
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 32,339 463,180 SH   SOLE   0 0 463,180
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,379 104,401 SH   SOLE   0 0 104,401
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 221 2,106 SH   SOLE   0 0 2,106
VERIZON COMMUNICATIONS COM 92343V104 1,012 18,056 SH   SOLE   0 0 18,056
VISA INC COM CL A 92826C839 456 1,949 SH   SOLE   0 0 1,949
WAL MART STORES INC COM 931142103 287 2,034 SH   SOLE   0 0 2,034
WALGREENS BOOTS ALLIANCE INC COM 031427108 922 17,527 SH   SOLE   0 0 17,527
WILLIAMS SONOMA INC COM 969904101 5,189 32,500 SH   SOLE   0 0 32,500
WISDOMTREE TRUST DIV EX-FINL FD 97717W406 1,886 19,390 SH   SOLE   0 0 19,390
WISDOMTREE TRUST LARGECAP DIVID 97717W307 2,973 24,705 SH   SOLE   0 0 24,705