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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   205 1,183 SH   SOLE   0 0 1,183
ABBOTT LABS COM 002824100   306 3,629 SH   SOLE   0 0 3,629
ABBVIE INC COM 00287Y109   584 8,030 SH   SOLE   0 0 8,030
ALPHABET INC CAP STK CL C 02079K107   359 334 SH   SOLE   0 0 334
ALPHABET INC CAP STK CL A 02079K305   6,265 5,809 SH   SOLE   0 0 5,809
ALTRIA GROUP INC COM 02209S103   394 8,388 SH   SOLE   0 0 8,388
AMAZON COM INC COM 023135106   8,727 4,610 SH   SOLE   0 0 4,610
AMGEN INC COM 031162100   204 1,102 SH   SOLE   0 0 1,102
APPLE INC COM 037833100   3,940 19,872 SH   SOLE   0 0 19,872
AT&T INC COM 00206R102   1,663 49,562 SH   SOLE   0 0 49,562
AUTOMATIC DATA PROCESSING IN COM 053015103   2,802 16,947 SH   SOLE   0 0 16,947
BANK NEW YORK MELLON CORP COM 064058100   221 5,001 SH   SOLE   0 0 5,001
BB&T CORP COM 054937107   1,532 31,228 SH   SOLE   0 0 31,228
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,426 16,067 SH   SOLE   0 0 16,067
BLACKROCK INC COM 09247X101   1,440 3,064 SH   SOLE   0 0 3,064
BOEING CO COM 097023105   292 804 SH   SOLE   0 0 804
BRISTOL MYERS SQUIBB CO COM 110122108   1,217 26,881 SH   SOLE   0 0 26,881
CELGENE CORP COM 151020104   798 8,646 SH   SOLE   0 0 8,646
CHEVRON CORP NEW COM 166764100   4,481 36,017 SH   SOLE   0 0 36,017
CISCO SYS INC COM 17275R102   760 13,917 SH   SOLE   0 0 13,917
CITIZENS FINL GROUP INC COM 174610105   1,189 33,681 SH   SOLE   0 0 33,681
CME GROUP INC COM 12572Q105   351 1,803 SH   SOLE   0 0 1,803
COCA COLA CO COM 191216100   219 4,289 SH   SOLE   0 0 4,289
COLGATE PALMOLIVE CO COM 194162103   614 8,548 SH   SOLE   0 0 8,548
COMCAST CORP NEW CL A 20030N101   413 9,786 SH   SOLE   0 0 9,786
CORTEVA INC COM 22052L104   242 8,063 SH   SOLE   0 0 8,063
COSTCO WHSL CORP NEW COM 22160K105   4,798 18,173 SH   SOLE   0 0 18,173
D R HORTON INC COM 23331A109   806 18,709 SH   SOLE   0 0 18,709
DISNEY WALT CO COM DISNEY 254687106   6,191 44,357 SH   SOLE   0 0 44,357
DOW INC COM 260557103   367 7,698 SH   SOLE   0 0 7,698
DUPONT DE NEMOURS INC COM 26614N102   622 8,179 SH   SOLE   0 0 8,179
EASTMAN CHEMICAL CO COM 277432100   1,022 13,166 SH   SOLE   0 0 13,166
EDWARDS LIFESCIENCES CORP COM 28176E108   1,913 10,366 SH   SOLE   0 0 10,366
EOG RES INC COM 26875P101   995 10,711 SH   SOLE   0 0 10,711
EXPEDIA GROUP INC COM NEW 30212P303   202 1,512 SH   SOLE   0 0 1,512
EXXON MOBIL CORP COM 30231G102   2,277 29,737 SH   SOLE   0 0 29,737
FACEBOOK INC CL A 30303M102   1,790 9,266 SH   SOLE   0 0 9,266
FIRST TR NASDAQ100 TECH INDE SHS 337345102   497 5,815 SH   SOLE   0 0 5,815
FLEXSTEEL INDS INC COM 339382103   210 12,300 SH   SOLE   0 0 12,300
FULTON FINL CORP PA COM 360271100   996 60,859 SH   SOLE   0 0 60,859
GENERAL DYNAMICS CORP COM 369550108   413 2,269 SH   SOLE   0 0 2,269
HEICO CORP NEW COM 422806109   262 1,960 SH   SOLE   0 0 1,960
HENRY SCHEIN INC COM 806407102   1,727 24,671 SH   SOLE   0 0 24,671
HERSHEY CO COM 427866108   1,419 10,570 SH   SOLE   0 0 10,570
HOLOGIC INC COM 436440101   1,394 29,035 SH   SOLE   0 0 29,035
HP INC COM 40434L105   1,198 57,677 SH   SOLE   0 0 57,677
INGERSOLL-RAND PLC SHS G47791101   1,543 12,216 SH   SOLE   0 0 12,216
INTEL CORP COM 458140100   433 8,949 SH   SOLE   0 0 8,949
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,608 18,690 SH   SOLE   0 0 18,690
ISHARES INC CORE MSCI EMKT 46434G103   10,514 204,382 SH   SOLE   0 0 204,382
ISHARES TR CORE S&P500 ETF 464287200   37,132 125,974 SH   SOLE   0 0 125,974
ISHARES TR CORE US AGGBD ET 464287226   959 8,616 SH   SOLE   0 0 8,616
ISHARES TR S&P 500 GRWT ETF 464287309   8,767 48,905 SH   SOLE   0 0 48,905
ISHARES TR S&P 500 VAL ETF 464287408   7,392 63,400 SH   SOLE   0 0 63,400
ISHARES TR MSCI EAFE ETF 464287465   551 8,353 SH   SOLE   0 0 8,353
ISHARES TR RUS MID CAP ETF 464287499   620 11,080 SH   SOLE   0 0 11,080
ISHARES TR CORE S&P MCP ETF 464287507   12,717 65,441 SH   SOLE   0 0 65,441
ISHARES TR RUS 1000 GRW ETF 464287614   204 1,300 SH   SOLE   0 0 1,300
ISHARES TR RUSSELL 2000 ETF 464287655   1,548 9,946 SH   SOLE   0 0 9,946
ISHARES TR RUSSELL 3000 ETF 464287689   287 1,662 SH   SOLE   0 0 1,662
ISHARES TR CORE S&P SCP ETF 464287804   12,176 155,568 SH   SOLE   0 0 155,568
ISHARES TR AGENCY BOND ETF 464288166   6,708 58,269 SH   SOLE   0 0 58,269
ISHARES TR MBS ETF 464288588   6,370 59,297 SH   SOLE   0 0 59,297
ISHARES TR 3 7 YR TREAS BD 464288661   6,298 50,086 SH   SOLE   0 0 50,086
ISHARES TR A RATE CP BD ETF 46429B291   3,618 67,269 SH   SOLE   0 0 67,269
ISHARES TR CORE MSCI EAFE 46432F842   66,695 1,086,277 SH   SOLE   0 0 1,086,277
JOHNSON & JOHNSON COM 478160104   6,662 47,855 SH   SOLE   0 0 47,855
JPMORGAN CHASE & CO COM 46625H100   1,980 17,734 SH   SOLE   0 0 17,734
LAMAR ADVERTISING CO NEW CL A 512816109   986 12,220 SH   SOLE   0 0 12,220
LOCKHEED MARTIN CORP COM 539830109   1,910 5,268 SH   SOLE   0 0 5,268
M & T BK CORP COM 55261F104   471 2,770 SH   SOLE   0 0 2,770
MAGNA INTL INC COM 559222401   1,097 22,073 SH   SOLE   0 0 22,073
MARKEL CORP COM 570535104   823 755 SH   SOLE   0 0 755
MARRIOTT INTL INC NEW CL A 571903202   566 4,025 SH   SOLE   0 0 4,025
MARSH & MCLENNAN COS INC COM 571748102   540 5,413 SH   SOLE   0 0 5,413
MASCO CORP COM 574599106   1,306 33,392 SH   SOLE   0 0 33,392
MASTERCARD INC CL A 57636Q104   7,809 29,541 SH   SOLE   0 0 29,541
MCDONALDS CORP COM 580135101   3,369 16,242 SH   SOLE   0 0 16,242
MERCK & CO INC COM 58933Y105   264 3,153 SH   SOLE   0 0 3,153
MICROSOFT CORP COM 594918104   9,802 73,155 SH   SOLE   0 0 73,155
MID AMER APT CMNTYS INC COM 59522J103   1,933 16,405 SH   SOLE   0 0 16,405
NIKE INC CL B 654106103   2,275 27,096 SH   SOLE   0 0 27,096
NOVO-NORDISK A S ADR 670100205   2,654 51,880 SH   SOLE   0 0 51,880
ORACLE CORP COM 68389X105   405 7,061 SH   SOLE   0 0 7,061
PEPSICO INC COM 713448108   774 5,918 SH   SOLE   0 0 5,918
PFIZER INC COM 717081103   622 14,394 SH   SOLE   0 0 14,394
PROCTER AND GAMBLE CO COM 742718109   2,410 22,039 SH   SOLE   0 0 22,039
PRUDENTIAL FINL INC COM 744320102   1,284 12,708 SH   SOLE   0 0 12,708
ROPER TECHNOLOGIES INC COM 776696106   4,219 11,526 SH   SOLE   0 0 11,526
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,091 43,789 SH   SOLE   0 0 43,789
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   44,231 630,241 SH   SOLE   0 0 630,241
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   5,437 65,307 SH   SOLE   0 0 65,307
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   5,970 106,322 SH   SOLE   0 0 106,322
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   26,681 467,344 SH   SOLE   0 0 467,344
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   18,240 255,009 SH   SOLE   0 0 255,009
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   11,949 454,870 SH   SOLE   0 0 454,870
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,083 20,397 SH   SOLE   0 0 20,397
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   19,685 613,408 SH   SOLE   0 0 613,408
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   4,562 86,141 SH   SOLE   0 0 86,141
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   5,376 97,856 SH   SOLE   0 0 97,856
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   1,380 37,539 SH   SOLE   0 0 37,539
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,703 9,229 SH   SOLE   0 0 9,229
SUNTRUST BKS INC COM 867914103   1,152 18,242 SH   SOLE   0 0 18,242
THERMO FISHER SCIENTIFIC INC COM 883556102   6,882 23,425 SH   SOLE   0 0 23,425
UNDER ARMOUR INC CL A 904311107   1,598 63,015 SH   SOLE   0 0 63,015
UNION PACIFIC CORP COM 907818108   5,309 31,386 SH   SOLE   0 0 31,386
UNITED RENTALS INC COM 911363109   1,264 9,518 SH   SOLE   0 0 9,518
UNITEDHEALTH GROUP INC COM 91324P102   849 3,475 SH   SOLE   0 0 3,475
US BANCORP DEL COM NEW 902973304   1,125 21,538 SH   SOLE   0 0 21,538
VALERO ENERGY CORP NEW COM 91913Y100   236 2,747 SH   SOLE   0 0 2,747
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,755 6,526 SH   SOLE   0 0 6,526
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   485 3,248 SH   SOLE   0 0 3,248
VANGUARD INDEX FDS SML CP GRW ETF 922908595   442 2,374 SH   SOLE   0 0 2,374
VANGUARD INDEX FDS SM CP VAL ETF 922908611   226 1,736 SH   SOLE   0 0 1,736
VANGUARD INDEX FDS MID CAP ETF 922908629   7,333 43,887 SH   SOLE   0 0 43,887
VANGUARD INDEX FDS GROWTH ETF 922908736   699 4,282 SH   SOLE   0 0 4,282
VANGUARD INDEX FDS VALUE ETF 922908744   352 3,178 SH   SOLE   0 0 3,178
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   255 6,012 SH   SOLE   0 0 6,012
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746   337 6,351 SH   SOLE   0 0 6,351
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   10,394 157,413 SH   SOLE   0 0 157,413
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771   20,070 379,658 SH   SOLE   0 0 379,658
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   15,137 168,310 SH   SOLE   0 0 168,310
VANGUARD STAR FD VG TL INTL STK F 921909768   2,241 42,385 SH   SOLE   0 0 42,385
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   240 5,741 SH   SOLE   0 0 5,741
VERIZON COMMUNICATIONS INC COM 92343V104   380 6,657 SH   SOLE   0 0 6,657
VISA INC COM CL A 92826C839   383 2,212 SH   SOLE   0 0 2,212
WHIRLPOOL CORP COM 963320106   916 6,452 SH   SOLE   0 0 6,452