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 611 3,170 SH   SOLE   3,170 0 0
ABBOTT LABS COM 002824100 435 3,632 SH   SOLE   3,632 0 0
ABBVIE INC COM 00287Y109 477 4,411 SH   SOLE   4,411 0 0
ABERDEEN ASIA-PACIFIC INCOME COM 003009107 1,294 316,456 SH   SOLE   316,456 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 297 1,074 SH   SOLE   1,074 0 0
ALPHABET INC CAP STK CL A 02079K305 658 319 SH   SOLE   319 0 0
ALPHABET INC CAP STK CL C 02079K107 377 182 SH   SOLE   182 0 0
AMAZON COM INC COM 023135106 511 165 SH   SOLE   165 0 0
ANTHEM INC COM 036752103 213 592 SH   SOLE   592 0 0
APPLE INC COM 037833100 2,891 23,665 SH   SOLE   23,665 0 0
APPLIED MATLS INC COM 038222105 246 1,845 SH   SOLE   1,845 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 311 1,650 SH   SOLE   1,650 0 0
BECTON DICKINSON & CO COM 075887109 345 1,421 SH   SOLE   1,421 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 654 2,560 SH   SOLE   2,560 0 0
BK OF AMERICA CORP COM 060505104 493 12,754 SH   SOLE   12,754 0 0
BLACKROCK CORE BD TR SHS BEN INT 09249E101 2,013 128,236 SH   SOLE   128,236 0 0
BOEING CO COM 097023105 673 2,642 SH   SOLE   2,642 0 0
CABLE ONE INC COM 12685J105 750 410 SH   SOLE   410 0 0
CHEVRON CORP NEW COM 166764100 216 2,066 SH   SOLE   2,066 0 0
CIGNA CORP NEW COM 125523100 314 1,300 SH   SOLE   1,300 0 0
CISCO SYS INC COM 17275R102 384 7,435 SH   SOLE   7,435 0 0
COCA COLA CO COM 191216100 207 3,925 SH   SOLE   3,925 0 0
COMCAST CORP NEW CL A 20030N101 227 4,187 SH   SOLE   4,187 0 0
CONOCOPHILLIPS COM 20825C104 253 4,773 SH   SOLE   4,773 0 0
COSTCO WHSL CORP NEW COM 22160K105 635 1,801 SH   SOLE   1,801 0 0
DISNEY WALT CO COM 254687106 502 2,719 SH   SOLE   2,719 0 0
DOMINION ENERGY INC COM 25746U109 376 4,953 SH   SOLE   4,953 0 0
EXXON MOBIL CORP COM 30231G102 218 3,905 SH   SOLE   3,905 0 0
FEDEX CORP COM 31428X106 279 984 SH   SOLE   984 0 0
FLAHERTY & CRUMRINE PFD SECS COM 338478100 1,425 60,820 SH   SOLE   60,820 0 0
GENERAL ELECTRIC CO COM 369604103 142 10,781 SH   SOLE   10,781 0 0
GRAHAM HLDGS CO COM CL B 384637104 245 435 SH   SOLE   435 0 0
HOME DEPOT INC COM 437076102 410 1,342 SH   SOLE   1,342 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 360 2,700 SH   SOLE   2,700 0 0
INTUIT COM 461202103 278 725 SH   SOLE   725 0 0
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 3,609 36,685 SH   SOLE   36,685 0 0
ISHARES INC MSCI AUST ETF 464286103 557 22,487 SH   SOLE   22,487 0 0
ISHARES INC MSCI BRAZIL ETF 464286400 732 21,872 SH   SOLE   21,872 0 0
ISHARES INC MSCI CDA ETF 464286509 1,351 39,674 SH   SOLE   39,674 0 0
ISHARES INC MSCI GBL ETF NEW 46434G848 1,656 39,299 SH   SOLE   39,299 0 0
ISHARES INC MSCI GBL GOLD MN 46434G855 1,062 38,835 SH   SOLE   38,835 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 287 4,186 SH   SOLE   4,186 0 0
ISHARES INC MSCI PAC JP ETF 464286665 335 6,671 SH   SOLE   6,671 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 9,900 93,646 SH   SOLE   93,646 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 2,291 26,567 SH   SOLE   26,567 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,057 7,800 SH   SOLE   7,800 0 0
ISHARES TR 3YRTB ETF 464288125 1,119 13,710 SH   SOLE   13,710 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 2,249 19,914 SH   SOLE   19,914 0 0
ISHARES TR COHEN STEER REIT 464287564 2,218 38,366 SH   SOLE   38,366 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,636 6,287 SH   SOLE   6,287 0 0
ISHARES TR CORE S&P SCP ETF 464287804 3,476 32,028 SH   SOLE   32,028 0 0
ISHARES TR CORE S&P US GWT 464287671 1,248 13,745 SH   SOLE   13,745 0 0
ISHARES TR CORE S&P500 ETF 464287200 11,674 29,344 SH   SOLE   29,344 0 0
ISHARES TR CORE US AGGBD ET 464287226 6,248 54,891 SH   SOLE   54,891 0 0
ISHARES TR EAFE SML CP ETF 464288273 1,409 19,608 SH   SOLE   19,608 0 0
ISHARES TR EAFE VALUE ETF 464288877 440 8,627 SH   SOLE   8,627 0 0
ISHARES TR EUROPE ETF 464287861 3,112 61,937 SH   SOLE   61,937 0 0
ISHARES TR EXPND TEC SC ETF 464287549 1,038 2,876 SH   SOLE   2,876 0 0
ISHARES TR GBL COMM SVC ETF 464287275 569 7,073 SH   SOLE   7,073 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 1,361 17,660 SH   SOLE   17,660 0 0
ISHARES TR GLOB UTILITS ETF 464288711 315 5,202 SH   SOLE   5,202 0 0
ISHARES TR GLOBAL 100 ETF 464287572 250 3,783 SH   SOLE   3,783 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 2,895 117,432 SH   SOLE   117,432 0 0
ISHARES TR GLOBAL FINLS ETF 464287333 630 8,580 SH   SOLE   8,580 0 0
ISHARES TR INTL DEV RE ETF 464288489 2,247 81,473 SH   SOLE   81,473 0 0
ISHARES TR INTL TREA BD ETF 464288117 5,587 107,580 SH   SOLE   107,580 0 0
ISHARES TR JPX NIKKEI 400 464287382 609 8,273 SH   SOLE   8,273 0 0
ISHARES TR LATN AMER 40 ETF 464287390 472 17,109 SH   SOLE   17,109 0 0
ISHARES TR MICRO-CAP ETF 464288869 1,910 12,996 SH   SOLE   12,996 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,706 48,847 SH   SOLE   48,847 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,439 26,982 SH   SOLE   26,982 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 677 21,629 SH   SOLE   21,629 0 0
ISHARES TR NASDAQ BIOTECH 464287556 1,655 10,992 SH   SOLE   10,992 0 0
ISHARES TR NORTH AMERN NAT 464287374 8,106 294,015 SH   SOLE   294,015 0 0
ISHARES TR RUS 1000 ETF 464287622 2,721 12,155 SH   SOLE   12,155 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 322 1,323 SH   SOLE   1,323 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 1,493 9,362 SH   SOLE   9,362 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,394 6,311 SH   SOLE   6,311 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 55,433 233,668 SH   SOLE   233,668 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 3,686 56,616 SH   SOLE   56,616 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,397 9,892 SH   SOLE   9,892 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,113 14,207 SH   SOLE   14,207 0 0
ISHARES TR S&P MC 400VL ETF 464287705 2,529 24,814 SH   SOLE   24,814 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,869 14,572 SH   SOLE   14,572 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 407 3,771 SH   SOLE   3,771 0 0
ISHARES TR SP SMCP600VL ETF 464287879 6,821 67,708 SH   SOLE   67,708 0 0
ISHARES TR TIPS BD ETF 464287176 9,627 76,708 SH   SOLE   76,708 0 0
ISHARES TR U.S. BAS MTL ETF 464287838 371 2,951 SH   SOLE   2,951 0 0
ISHARES TR U.S. CNSM GD ETF 464287812 614 3,470 SH   SOLE   3,470 0 0
ISHARES TR U.S. ENERGY ETF 464287796 478 18,223 SH   SOLE   18,223 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 2,322 13,558 SH   SOLE   13,558 0 0
ISHARES TR U.S. PHARMA ETF 464288836 683 3,844 SH   SOLE   3,844 0 0
ISHARES TR U.S. UTILITS ETF 464287697 1,793 22,531 SH   SOLE   22,531 0 0
ISHARES TR US HLTHCARE ETF 464287762 214 849 SH   SOLE   849 0 0
ISHARES TR US HOME CONS ETF 464288752 835 12,308 SH   SOLE   12,308 0 0
ISHARES TR US INDUSTRIALS 464287754 249 2,361 SH   SOLE   2,361 0 0
ISHARES TR US OIL EQ&SV ETF 464288844 139 10,356 SH   SOLE   10,356 0 0
ISHARES TR US REGNL BKS ETF 464288778 1,141 20,136 SH   SOLE   20,136 0 0
ISHARES TR US TELECOM ETF 464287713 853 26,387 SH   SOLE   26,387 0 0
JOHNSON & JOHNSON COM 478160104 494 3,008 SH   SOLE   3,008 0 0
JPMORGAN CHASE & CO COM 46625H100 555 3,643 SH   SOLE   3,643 0 0
LAM RESEARCH CORP COM 512807108 671 1,128 SH   SOLE   1,128 0 0
LOWES COS INC COM 548661107 313 1,647 SH   SOLE   1,647 0 0
MARRIOTT INTL INC NEW CL A 571903202 384 2,591 SH   SOLE   2,591 0 0
MARTIN MARIETTA MATLS INC COM 573284106 224 666 SH   SOLE   666 0 0
MCDONALDS CORP COM 580135101 216 965 SH   SOLE   965 0 0
MCKESSON CORP COM 58155Q103 251 1,288 SH   SOLE   1,288 0 0
MERCK & CO. INC COM 58933Y105 753 9,762 SH   SOLE   9,762 0 0
MICRON TECHNOLOGY INC COM 595112103 290 3,292 SH   SOLE   3,292 0 0
MICROSOFT CORP COM 594918104 734 3,115 SH   SOLE   3,115 0 0
NEOGEN CORP COM 640491106 303 3,406 SH   SOLE   3,406 0 0
NORFOLK SOUTHN CORP COM 655844108 201 747 SH   SOLE   747 0 0
NUVEEN CR STRATEGIES INCOME COM SHS 67073D102 270 41,573 SH   SOLE   41,573 0 0
NVIDIA CORPORATION COM 67066G104 993 1,860 SH   SOLE   1,860 0 0
OLD DOMINION FREIGHT LINE IN COM 679580100 263 1,093 SH   SOLE   1,093 0 0
PEPSICO INC COM 713448108 475 3,361 SH   SOLE   3,361 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 784 7,160 SH   SOLE   7,160 0 0
PNC FINL SVCS GROUP INC COM 693475105 293 1,669 SH   SOLE   1,669 0 0
PROCTER AND GAMBLE CO COM 742718109 341 2,514 SH   SOLE   2,514 0 0
PULTE GROUP INC COM 745867101 221 4,210 SH   SOLE   4,210 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 277 3,583 SH   SOLE   3,583 0 0
ROYCE MICRO-CAP TR INC COM 780915104 2,662 235,596 SH   SOLE   235,596 0 0
SANDY SPRING BANCORP INC COM 800363103 304 6,992 SH   SOLE   6,992 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 299 7,948 SH   SOLE   7,948 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,901 71,355 SH   SOLE   71,355 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,674 36,862 SH   SOLE   36,862 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,200 24,458 SH   SOLE   24,458 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 897 5,338 SH   SOLE   5,338 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 438 6,413 SH   SOLE   6,413 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 567 4,859 SH   SOLE   4,859 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 306 8,975 SH   SOLE   8,975 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 362 3,682 SH   SOLE   3,682 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 217 3,382 SH   SOLE   3,382 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 219 2,774 SH   SOLE   2,774 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 419 3,152 SH   SOLE   3,152 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 560 1,412 SH   SOLE   1,412 0 0
SPDR SER TR FTSE INT GVT ETF 78464A490 4,444 80,024 SH   SOLE   80,024 0 0
SPDR SER TR S&P METALS MNG 78464A755 1,070 26,801 SH   SOLE   26,801 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 6,511 135,045 SH   SOLE   135,045 0 0
STARBUCKS CORP COM 855244109 274 2,504 SH   SOLE   2,504 0 0
TEMPLETON EMERGING MKTS FD COM 880191101 2,614 136,854 SH   SOLE   136,854 0 0
TEMPLETON GLOBAL INCOME FD COM 880198106 2,838 534,484 SH   SOLE   534,484 0 0
UNION PAC CORP COM 907818108 365 1,658 SH   SOLE   1,658 0 0
UNITEDHEALTH GROUP INC COM 91324P102 218 585 SH   SOLE   585 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 234 7,202 SH   SOLE   7,202 0 0
VANECK VECTORS ETF TR INVT GRADE FLTG 92189F486 6,019 237,145 SH   SOLE   237,145 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 4,322 31,617 SH   SOLE   31,617 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 23,262 274,574 SH   SOLE   274,574 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 218 1,015 SH   SOLE   1,015 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 580 2,620 SH   SOLE   2,620 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,692 61,959 SH   SOLE   61,959 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,404 8,477 SH   SOLE   8,477 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,059 4,949 SH   SOLE   4,949 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 861 3,135 SH   SOLE   3,135 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 332 1,605 SH   SOLE   1,605 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,568 68,555 SH   SOLE   68,555 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 375 5,954 SH   SOLE   5,954 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,532 27,512 SH   SOLE   27,512 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 605 6,215 SH   SOLE   6,215 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 6,586 35,631 SH   SOLE   35,631 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 244 3,895 SH   SOLE   3,895 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 27,188 553,622 SH   SOLE   553,622 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 295 2,270 SH   SOLE   2,270 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 2,109 31,009 SH   SOLE   31,009 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 227 994 SH   SOLE   994 0 0
VISA INC COM CL A 92826C839 249 1,176 SH   SOLE   1,176 0 0
VORNADO RLTY TR SH BEN INT 929042109 354 7,797 SH   SOLE   7,797 0 0
WELLS FARGO CO NEW COM 949746101 265 6,789 SH   SOLE   6,789 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103 389 1,698 SH   SOLE   1,698 0 0
XILINX INC COM 983919101 225 1,815 SH   SOLE   1,815 0 0
YUM BRANDS INC COM 988498101 266 2,455 SH   SOLE   2,455 0 0