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
ISHARES TR COM 464287200 103,180 362,594 SH   SOLE   0 0 362,594
VANGUARD INDEX FDS COM 922908363 38,622 148,810 SH   SOLE   0 0 148,810
ISHARES TR COM 46429B697 34,626 588,871 SH   SOLE   0 0 588,871
VANGUARD INDEX FDS COM 922908629 23,833 148,259 SH   SOLE   0 0 148,259
ISHARES TR COM 46432F842 18,266 300,581 SH   SOLE   0 0 300,581
ISHARES TR COM 46434VAQ3 18,173 720,138 SH   SOLE   0 0 720,138
ISHARES TR COM 46434VBK5 12,547 507,547 SH   SOLE   0 0 507,547
ISHARES TR COM 46434VAU4 11,857 476,936 SH   SOLE   0 0 476,936
ISHARES TR COM 46434VBA7 11,676 468,727 SH   SOLE   0 0 468,727
PIMCO ETF TR COM 72201R775 11,554 109,475 SH   SOLE   0 0 109,475
ISHARES TR COM 464287499 8,255 153,010 SH   SOLE   0 0 153,010
ISHARES TR COM 464287465 6,289 96,968 SH   SOLE   0 0 96,968
MICROSOFT CORP COM 594918104 4,977 42,202 SH   SOLE   0 0 42,202
ISHARES TR COM 46434V613 4,906 96,960 SH   SOLE   0 0 96,960
AMGEN INC COM 031162100 4,106 21,610 SH   SOLE   0 0 21,610
APPLE INC COM 037833100 3,964 20,871 SH   SOLE   0 0 20,871
JOHNSON & JOHNSON COM 478160104 3,868 27,668 SH   SOLE   0 0 27,668
BERKSHIRE HATHAWAY INC DEL COM 084670702 3,818 19,005 SH   SOLE   0 0 19,005
VERIZON COMMUNICATIONS INC COM 92343V104 3,667 62,021 SH   SOLE   0 0 62,021
ALPHABET INC COM 02079K305 3,579 3,041 SH   SOLE   0 0 3,041
VISA INC COM 92826C839 3,501 22,413 SH   SOLE   0 0 22,413
PNC FINL SVCS GROUP INC COM 693475105 3,468 28,272 SH   SOLE   0 0 28,272
CISCO SYS INC COM 17275R102 3,454 63,976 SH   SOLE   0 0 63,976
SPDR SERIES TRUST COM 78464A847 3,420 102,619 SH   SOLE   0 0 102,619
MASCO CORP COM 574599106 3,365 85,607 SH   SOLE   0 0 85,607
VANGUARD INDEX FDS COM 922908652 3,361 29,110 SH   SOLE   0 0 29,110
MOTOROLA SOLUTIONS INC COM 620076307 3,321 23,653 SH   SOLE   0 0 23,653
INTERNATIONAL BUSINESS MACHS COM 459200101 3,194 22,638 SH   SOLE   0 0 22,638
JPMORGAN CHASE & CO COM 46625H100 3,177 31,382 SH   SOLE   0 0 31,382
PROCTER AND GAMBLE CO COM 742718109 3,175 30,516 SH   SOLE   0 0 30,516
BALL CORP COM 058498106 3,165 54,705 SH   SOLE   0 0 54,705
AMERICAN TOWER CORP NEW COM 03027X100 3,114 15,804 SH   SOLE   0 0 15,804
PEPSICO INC COM 713448108 3,111 25,385 SH   SOLE   0 0 25,385
STARBUCKS CORP COM 855244109 3,107 41,792 SH   SOLE   0 0 41,792
PFIZER INC COM 717081103 3,086 72,669 SH   SOLE   0 0 72,669
L3 TECHNOLOGIES INC COM 502413107 3,070 14,879 SH   SOLE   0 0 14,879
WALMART INC COM 931142103 3,037 31,143 SH   SOLE   0 0 31,143
PPL CORP COM 69351T106 2,997 94,436 SH   SOLE   0 0 94,436
FRESENIUS MED CARE AG&CO KGA SPONSORED ADR 358029106 2,929 72,279 SH   SOLE   0 0 72,279
QUALCOMM INC COM 747525103 2,921 51,216 SH   SOLE   0 0 51,216
DIAGEO P L C SPONSORED ADR 25243Q205 2,871 17,546 SH   SOLE   0 0 17,546
DISNEY WALT CO COM 254687106 2,856 25,725 SH   SOLE   0 0 25,725
INVESCO LTD COM G491BT108 2,813 145,659 SH   SOLE   0 0 145,659
PARKER HANNIFIN CORP COM 701094104 2,801 16,323 SH   SOLE   0 0 16,323
NEXTERA ENERGY INC COM 65339F101 2,796 14,465 SH   SOLE   0 0 14,465
HILTON WORLDWIDE HLDGS INC COM 43300A203 2,784 33,500 SH   SOLE   0 0 33,500
BECTON DICKINSON & CO COM 075887109 2,752 11,019 SH   SOLE   0 0 11,019
HASBRO INC COM 418056107 2,700 31,755 SH   SOLE   0 0 31,755
SCHLUMBERGER LTD COM 806857108 2,683 61,589 SH   SOLE   0 0 61,589
OCCIDENTAL PETE CORP COM 674599105 2,661 40,192 SH   SOLE   0 0 40,192
WELLS FARGO CO NEW COM 949746101 2,627 54,377 SH   SOLE   0 0 54,377
GILEAD SCIENCES INC COM 375558103 2,589 39,822 SH   SOLE   0 0 39,822
UNITEDHEALTH GROUP INC COM 91324P102 2,559 10,350 SH   SOLE   0 0 10,350
GOLDMAN SACHS ETF TR COM 381430206 2,333 71,683 SH   SOLE   0 0 71,683
WISDOMTREE TR COM 97717W505 1,933 53,996 SH   SOLE   0 0 53,996
DOLLAR GEN CORP NEW COM 256677105 1,933 16,199 SH   SOLE   0 0 16,199
ISHARES TR COM 46429B689 1,841 25,565 SH   SOLE   0 0 25,565
SPDR S&P 500 ETF TR COM 78462F103 1,780 6,301 SH   SOLE   0 0 6,301
ISHARES TR COM 464287226 1,715 15,727 SH   SOLE   0 0 15,727
VANGUARD WHITEHALL FDS INC COM 921946406 1,314 15,336 SH   SOLE   0 0 15,336
AUTOMATIC DATA PROCESSING IN COM 053015103 1,252 7,840 SH   SOLE   0 0 7,840
EXXON MOBIL CORP COM 30231G102 1,098 13,585 SH   SOLE   0 0 13,585
ISHARES TR COM 464287598 1,014 8,210 SH   SOLE   0 0 8,210
VANGUARD INDEX FDS COM 922908769 1,000 6,914 SH   SOLE   0 0 6,914
PPG INDS INC COM 693506107 945 8,371 SH   SOLE   0 0 8,371
BOEING CO COM 097023105 900 2,360 SH   SOLE   0 0 2,360
NVR INC COM 62944T105 861 311 SH   SOLE   0 0 311
ISHARES TR COM 464288448 836 27,102 SH   SOLE   0 0 27,102
ISHARES TR COM 464287655 753 4,916 SH   SOLE   0 0 4,916
CSX CORP COM 126408103 744 9,950 SH   SOLE   0 0 9,950
MCDONALDS CORP COM 580135101 688 3,623 SH   SOLE   0 0 3,623
WISDOMTREE TR COM 97717W604 661 24,010 SH   SOLE   0 0 24,010
AT&T INC COM 00206R102 606 19,333 SH   SOLE   0 0 19,333
ISHARES TR COM 464288885 602 7,779 SH   SOLE   0 0 7,779
COMCAST CORP NEW COM 20030N101 586 14,647 SH   SOLE   0 0 14,647
VANECK VECTORS ETF TR COM 92189H201 574 11,755 SH   SOLE   0 0 11,755
ALPHABET INC COM 02079K107 540 460 SH   SOLE   0 0 460
MERCK & CO INC COM 58933Y105 521 6,267 SH   SOLE   0 0 6,267
ABBVIE INC COM 00287Y109 499 6,195 SH   SOLE   0 0 6,195
INTEL CORP COM 458140100 495 9,227 SH   SOLE   0 0 9,227
COOPER COS INC COM 216648402 477 1,612 SH   SOLE   0 0 1,612
ISHARES TR COM 464287440 477 4,470 SH   SOLE   0 0 4,470
ISHARES INC COM 464286533 467 7,872 SH   SOLE   0 0 7,872
WHITE MTNS INS GROUP LTD COM G9618E107 467 505 SH   SOLE   0 0 505
ISHARES TR COM 46434VAX8 453 18,107 SH   SOLE   0 0 18,107
SCHWAB STRATEGIC TR COM 808524706 449 17,265 SH   SOLE   0 0 17,265
NETFLIX INC COM 64110L106 449 1,258 SH   SOLE   0 0 1,258
NATIONAL BK HLDGS CORP COM 633707104 419 12,596 SH   SOLE   0 0 12,596
AMAZON COM INC COM 023135106 415 233 SH   SOLE   0 0 233
ABBOTT LABS COM 002824100 408 5,106 SH   SOLE   0 0 5,106
ISHARES TR COM 464288414 405 3,639 SH   SOLE   0 0 3,639
HONEYWELL INTL INC COM 438516106 402 2,531 SH   SOLE   0 0 2,531
HOME DEPOT INC COM 437076102 338 1,763 SH   SOLE   0 0 1,763
HUNTINGTON BANCSHARES INC COM 446150104 337 26,543 SH   SOLE   0 0 26,543
INVESCO EXCHANGE TRADED FD T COM 46137V357 288 2,755 SH   SOLE   0 0 2,755
SSGA ACTIVE ETF TR COM 78467V848 277 5,737 SH   SOLE   0 0 5,737
NUVEEN MARYLAND QLT MUN INC COM 67061Q107 275 22,032 SH   SOLE   0 0 22,032
VANGUARD INTL EQUITY INDEX F COM 922042858 264 6,207 SH   SOLE   0 0 6,207
S & T BANCORP INC COM 783859101 246 6,213 SH   SOLE   0 0 6,213
INVESCO EXCHNG TRADED FD TR COM 46138G102 244 5,192 SH   SOLE   0 0 5,192
VANECK VECTORS ETF TR COM 92189H409 242 3,859 SH   SOLE   0 0 3,859
V F CORP COM 918204108 237 2,726 SH   SOLE   0 0 2,726
PHILIP MORRIS INTL INC COM 718172109 227 2,568 SH   SOLE   0 0 2,568
NIKE INC COM 654106103 219 2,595 SH   SOLE   0 0 2,595
ALTRIA GROUP INC COM 02209S103 211 3,675 SH   SOLE   0 0 3,675
BLACKROCK MD MUNICIPAL BOND COM 09249L105 211 14,427 SH   SOLE   0 0 14,427
SCHWAB STRATEGIC TR COM 808524805 202 6,462 SH   SOLE   0 0 6,462