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 123,895 368,789 SH   SOLE   0 0 368,789
VANGUARD INDEX FDS COM 922908363 39,838 129,614 SH   SOLE   0 0 129,614
ISHARES TR COM 46429B697 38,228 594,254 SH   SOLE   0 0 594,254
ISHARES TR COM 46432F396 30,994 218,209 SH   SOLE   0 0 218,209
ISHARES TR COM 46432F842 22,749 379,273 SH   SOLE   0 0 379,273
APPLE INC COM 037833100 22,647 50,954 SH   SOLE   0 0 50,954
PIMCO ETF TR COM 72201R775 16,643 147,170 SH   SOLE   0 0 147,170
SCHWAB STRATEGIC TR COM 808524508 15,798 277,400 SH   SOLE   0 0 277,400
ISHARES TR COM 46434VBK5 15,196 605,904 SH   SOLE   0 0 605,904
ISHARES TR COM 46434VBA7 14,951 582,420 SH   SOLE   0 0 582,420
ISHARES TR COM 46434VAQ3 14,302 566,870 SH   SOLE   0 0 566,870
MICROSOFT CORP COM 594918104 9,055 42,615 SH   SOLE   0 0 42,615
AMAZON COM INC COM 023135106 7,602 2,400 SH   SOLE   0 0 2,400
ISHARES TR COM 464287440 7,403 60,418 SH   SOLE   0 0 60,418
ISHARES TR COM 46434V613 6,187 112,308 SH   SOLE   0 0 112,308
AMGEN INC COM 031162100 5,851 24,310 SH   SOLE   0 0 24,310
ALPHABET INC COM 02079K305 5,664 3,780 SH   SOLE   0 0 3,780
BERKSHIRE HATHAWAY INC DEL COM 084670702 5,374 25,653 SH   SOLE   0 0 25,653
CHARLES RIV LABS INTL INC COM 159864107 5,273 23,796 SH   SOLE   0 0 23,796
MASCO CORP COM 574599106 5,103 87,731 SH   SOLE   0 0 87,731
VISA INC COM 92826C839 4,949 25,202 SH   SOLE   0 0 25,202
JOHNSON & JOHNSON COM 478160104 4,942 33,259 SH   SOLE   0 0 33,259
PROCTER AND GAMBLE CO COM 742718109 4,799 35,936 SH   SOLE   0 0 35,936
VERIZON COMMUNICATIONS INC COM 92343V104 4,692 80,162 SH   SOLE   0 0 80,162
CISCO SYS INC COM 17275R102 4,679 98,648 SH   SOLE   0 0 98,648
WALMART INC COM 931142103 4,518 34,764 SH   SOLE   0 0 34,764
AMERICAN TOWER CORP NEW COM 03027X100 4,493 17,441 SH   SOLE   0 0 17,441
NEXTERA ENERGY INC COM 65339F101 4,455 15,479 SH   SOLE   0 0 15,479
DISNEY WALT CO COM 254687106 4,382 33,730 SH   SOLE   0 0 33,730
BALL CORP COM 058498106 4,358 57,700 SH   SOLE   0 0 57,700
ISHARES TR COM 46434VAX8 4,297 163,558 SH   SOLE   0 0 163,558
PARKER HANNIFIN CORP COM 701094104 4,125 20,876 SH   SOLE   0 0 20,876
PEPSICO INC COM 713448108 4,088 29,895 SH   SOLE   0 0 29,895
ISHARES TR COM 464287465 4,077 64,076 SH   SOLE   0 0 64,076
UNITEDHEALTH GROUP INC COM 91324P102 4,069 12,835 SH   SOLE   0 0 12,835
MOTOROLA SOLUTIONS INC COM 620076307 4,031 27,942 SH   SOLE   0 0 27,942
PNC FINL SVCS GROUP INC COM 693475105 4,025 36,692 SH   SOLE   0 0 36,692
JPMORGAN CHASE & CO COM 46625H100 3,998 40,228 SH   SOLE   0 0 40,228
PFIZER INC COM 717081103 3,908 101,629 SH   SOLE   0 0 101,629
ISHARES TR COM 464288158 3,799 35,062 SH   SOLE   0 0 35,062
STARBUCKS CORP COM 855244109 3,764 49,665 SH   SOLE   0 0 49,665
PPL CORP COM 69351T106 3,739 137,777 SH   SOLE   0 0 137,777
ISHARES TR COM 464287226 3,693 30,922 SH   SOLE   0 0 30,922
BECTON DICKINSON & CO COM 075887109 3,605 14,061 SH   SOLE   0 0 14,061
GOLDMAN SACHS ETF TR COM 381430206 3,535 106,736 SH   SOLE   0 0 106,736
L3HARRIS TECHNOLOGIES INC COM 502431109 3,436 19,561 SH   SOLE   0 0 19,561
HASBRO INC COM 418056107 3,405 44,365 SH   SOLE   0 0 44,365
VANGUARD INDEX FDS COM 922908652 3,384 26,148 SH   SOLE   0 0 26,148
DOLLAR GEN CORP NEW COM 256677105 3,358 17,197 SH   SOLE   0 0 17,197
DIAGEO P L C SPON ADR 25243Q205 3,355 24,795 SH   SOLE   0 0 24,795
ISHARES TR COM 464288414 3,292 28,098 SH   SOLE   0 0 28,098
LOWES COS INC COM 548661107 3,272 21,417 SH   SOLE   0 0 21,417
GLOBAL PMTS INC COM 37940X102 3,149 18,010 SH   SOLE   0 0 18,010
BOOKING HOLDINGS INC COM 09857L108 3,125 1,781 SH   SOLE   0 0 1,781
WELLS FARGO CO NEW COM 949746101 2,726 108,734 SH   SOLE   0 0 108,734
SCHLUMBERGER LTD COM 806857108 2,557 130,250 SH   SOLE   0 0 130,250
JONES LANG LASALLE INC COM 48020Q107 2,312 24,402 SH   SOLE   0 0 24,402
SPDR S&P 500 ETF TR COM 78462F103 1,951 5,831 SH   SOLE   0 0 5,831
ISHARES TR COM 46429B689 1,553 22,990 SH   SOLE   0 0 22,990
PPG INDS INC COM 693506107 1,376 12,105 SH   SOLE   0 0 12,105
II-VI INC COM 902104108 1,190 22,967 SH   SOLE   0 0 22,967
NVR INC COM 62944T105 1,159 299 SH   SOLE   0 0 299
ISHARES TR COM 464288885 1,093 12,412 SH   SOLE   0 0 12,412
ABBVIE INC COM 00287Y109 1,041 11,208 SH   SOLE   0 0 11,208
VANGUARD WHITEHALL FDS COM 921946406 1,003 12,082 SH   SOLE   0 0 12,082
VANGUARD INDEX FDS COM 922908769 963 5,673 SH   SOLE   0 0 5,673
AUTOMATIC DATA PROCESSING IN COM 053015103 943 6,832 SH   SOLE   0 0 6,832
ISHARES TR COM 464287598 943 7,829 SH   SOLE   0 0 7,829
VANGUARD INDEX FDS COM 922908629 814 4,595 SH   SOLE   0 0 4,595
ISHARES TR COM 464288877 769 18,702 SH   SOLE   0 0 18,702
ISHARES TR COM 464287655 746 4,779 SH   SOLE   0 0 4,779
MCDONALDS CORP COM 580135101 740 3,617 SH   SOLE   0 0 3,617
CSX CORP COM 126408103 665 9,123 SH   SOLE   0 0 9,123
NETFLIX INC COM 64110L106 630 1,274 SH   SOLE   0 0 1,274
VANECK VECTORS ETF TR COM 92189H201 630 12,117 SH   SOLE   0 0 12,117
ISHARES TR COM 464288448 620 23,963 SH   SOLE   0 0 23,963
COMCAST CORP NEW COM 20030N101 592 13,830 SH   SOLE   0 0 13,830
AT&T INC COM 00206R102 540 17,991 SH   SOLE   0 0 17,991
ABBOTT LABS COM 002824100 525 5,190 SH   SOLE   0 0 5,190
EXXON MOBIL CORP COM 30231G102 508 11,687 SH   SOLE   0 0 11,687
ISHARES INC COM 464286533 507 9,207 SH   SOLE   0 0 9,207
MERCK & CO. INC COM 58933Y105 497 6,137 SH   SOLE   0 0 6,137
ALPHABET INC COM 02079K107 492 329 SH   SOLE   0 0 329
ISHARES INC COM 46434G103 481 9,154 SH   SOLE   0 0 9,154
COOPER COS INC COM 216648402 476 1,567 SH   SOLE   0 0 1,567
WHITE MTNS INS GROUP LTD COM G9618E107 465 505 SH   SOLE   0 0 505
HOME DEPOT INC COM 437076102 460 1,693 SH   SOLE   0 0 1,693
SCHWAB STRATEGIC TR COM 808524706 446 16,770 SH   SOLE   0 0 16,770
BOEING CO COM 097023105 439 2,583 SH   SOLE   0 0 2,583
INTEL CORP COM 458140100 436 9,086 SH   SOLE   0 0 9,086
WISDOMTREE TR COM 97717W604 423 18,580 SH   SOLE   0 0 18,580
HONEYWELL INTL INC COM 438516106 405 2,610 SH   SOLE   0 0 2,610
SELECT SECTOR SPDR TR COM 81369Y605 388 15,640 SH   SOLE   0 0 15,640
ISHARES TR COM 464287242 378 2,722 SH   SOLE   0 0 2,722
NATIONAL BK HLDGS CORP COM 633707104 368 12,596 SH   SOLE   0 0 12,596
QUALCOMM INC COM 747525103 367 3,393 SH   SOLE   0 0 3,393
SSGA ACTIVE ETF TR COM 78467V848 357 7,154 SH   SOLE   0 0 7,154
INTERNATIONAL BUSINESS MACHS COM 459200101 310 2,477 SH   SOLE   0 0 2,477
NUVEEN MARYLAND QLT MUN INC COM 67061Q107 310 22,839 SH   SOLE   0 0 22,839
INVESCO EXCHANGE TRADED FD T COM 46137V357 302 2,757 SH   SOLE   0 0 2,757
J P MORGAN EXCHANGE-TRADED F COM 46641Q670 280 4,977 SH   SOLE   0 0 4,977
NIKE INC COM 654106103 254 2,494 SH   SOLE   0 0 2,494
SELECT SECTOR SPDR TR COM 81369Y803 252 2,220 SH   SOLE   0 0 2,220
PHILIP MORRIS INTL INC COM 718172109 250 3,229 SH   SOLE   0 0 3,229
ISHARES TR COM 464287499 250 4,318 SH   SOLE   0 0 4,318
ISHARES TR COM 46434VBG4 245 9,211 SH   SOLE   0 0 9,211
INVESCO QQQ TR COM 46090E103 242 891 SH   SOLE   0 0 891
FACEBOOK INC COM 30303M102 242 901 SH   SOLE   0 0 901
SCHWAB STRATEGIC TR COM 808524805 235 7,506 SH   SOLE   0 0 7,506
HUNTINGTON BANCSHARES INC COM 446150104 227 23,467 SH   SOLE   0 0 23,467
VANGUARD INDEX FDS COM 922908736 213 961 SH   SOLE   0 0 961
DOMINION ENERGY INC COM 25746U109 213 2,643 SH   SOLE   0 0 2,643
BLACKROCK MD MUNICIPAL BOND COM 09249L105 207 14,330 SH   SOLE   0 0 14,330
PIMCO ETF TR COM 72201R866 203 3,590 SH   SOLE   0 0 3,590