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
AT&T INC COM 00206R102 1,359 44,946 SH   SOLE   44,946 0 0
ABBOTT LABS COM 002824100 41 450 SH   SOLE   450 0 0
ABBVIE INC COM 00287Y109 2,420 24,645 SH   SOLE   24,645 0 0
ALBERTSONS COS INC COMMON STOCK 013091103 2 100 SH   SOLE   100 0 0
ALPHABET INC CAP STK CL C 02079K107 2,669 1,888 SH   SOLE   1,888 0 0
ALPHABET INC CAP STK CL A 02079K305 301 212 SH   SOLE   212 0 0
ALTRIA GROUP INC COM 02209S103 39 1,000 SH   SOLE   1,000 0 0
AMAZON COM INC COM 023135106 2,530 917 SH   SOLE   917 0 0
AMERIPRISE FINL INC COM 03076C106 1,924 12,825 SH   SOLE   12,825 0 0
AMGEN INC COM 031162100 129 545 SH   SOLE   545 0 0
APPLE INC COM 037833100 4,820 13,213 SH   SOLE   13,213 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 60 400 SH   SOLE   400 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 71 400 SH   SOLE   400 0 0
BLACKROCK INC COM 09247X101 2,636 4,844 SH   SOLE   4,844 0 0
BOOKING HOLDINGS INC COM 09857L108 1,529 960 SH   SOLE   960 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 219 3,720 SH   SOLE   3,720 0 0
BRISTOL-MYERS SQUIBB CO RIGHT 99/99/9999 110122157 14 3,865 SH   SOLE   3,865 0 0
CIGNA CORP NEW COM 125523100 111 594 SH   SOLE   594 0 0
CANADIAN NATL RY CO COM 136375102 89 1,000 SH   SOLE   1,000 0 0
CHARLES RIV LABS INTL INC COM 159864107 131 750 SH   SOLE   750 0 0
CHEVRON CORP NEW COM 166764100 1,713 19,199 SH   SOLE   19,199 0 0
CISCO SYS INC COM 17275R102 1,900 40,728 SH   SOLE   40,728 0 0
COLUMBIA SPORTSWEAR CO COM 198516106 16 200 SH   SOLE   200 0 0
DISNEY WALT CO COM DISNEY 254687106 1,793 16,075 SH   SOLE   16,075 0 0
DOMINION ENERGY INC COM 25746U109 63 775 SH   SOLE   775 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 84 1,050 SH   SOLE   1,050 0 0
EOG RES INC COM 26875P101 156 3,070 SH   SOLE   3,070 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 7 400 SH   SOLE   400 0 0
ESSENTIAL UTILS INC COM 29670G102 142 3,360 SH   SOLE   3,360 0 0
EXXON MOBIL CORP COM 30231G102 29 650 SH   SOLE   650 0 0
FACEBOOK INC CL A 30303M102 2,781 12,246 SH   SOLE   12,246 0 0
GENERAL ELECTRIC CO COM 369604103 44 6,500 SH   SOLE   6,500 0 0
GENERAL MLS INC COM 370334104 25 400 SH   SOLE   400 0 0
GILEAD SCIENCES INC COM 375558103 2,028 26,355 SH   SOLE   26,355 0 0
HERITAGE FINL CORP WASH COM 42722X106 16 778 SH   SOLE   778 0 0
HERSHEY CO COM 427866108 19 150 SH   SOLE   150 0 0
HONEYWELL INTL INC COM 438516106 2,460 17,015 SH   SOLE   17,015 0 0
HORIZON BANCORP INC COM 440407104 11 1,012 SH   SOLE   1,012 0 0
INTEL CORP COM 458140100 48 800 SH   SOLE   800 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 103 850 SH   SOLE   850 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 194 785 SH   SOLE   785 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 208 2,045 SH   SOLE   2,045 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 1,371 97,065 SH   SOLE   97,065 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 425 19,980 SH   SOLE   19,980 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 914 42,785 SH   SOLE   42,785 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 22 1,000 SH   SOLE   1,000 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 881 39,960 SH   SOLE   39,960 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 897 41,240 SH   SOLE   41,240 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 510 23,355 SH   SOLE   23,355 0 0
GOLD TRUST ISHARES 464285105 6,279 369,545 SH   SOLE   369,545 0 0
ISHARES INC MSCI FRNTR100ETF 464286145 60 2,476 SH   SOLE   2,476 0 0
ISHARES INC EM MKT SM-CP ETF 464286475 94 2,405 SH   SOLE   2,405 0 0
ISHARES INC MSCI ISRAEL ETF 464286632 8 150 SH   SOLE   150 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,785 12,221 SH   SOLE   12,221 0 0
ISHARES TR IBOXX INV CP ETF 464287242 121 900 SH   SOLE   900 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 19 90 SH   SOLE   90 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 211 2,435 SH   SOLE   2,435 0 0
ISHARES TR MSCI EAFE ETF 464287465 1 10 SH   SOLE   10 0 0
ISHARES TR RUS MID CAP ETF 464287499 4 75 SH   SOLE   75 0 0
ISHARES TR CORE S&P MCP ETF 464287507 171 963 SH   SOLE   963 0 0
ISHARES TR NASDAQ BIOTECH 464287556 626 4,580 SH   SOLE   4,580 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 211 1,100 SH   SOLE   1,100 0 0
ISHARES TR U.S. TECH ETF 464287721 2,730 10,118 SH   SOLE   10,118 0 0
ISHARES TR CORE S&P SCP ETF 464287804 154 2,253 SH   SOLE   2,253 0 0
ISHARES TR EAFE SML CP ETF 464288273 78 1,450 SH   SOLE   1,450 0 0
ISHARES TR JPMORGAN USD EMG 464288281 2,335 21,377 SH   SOLE   21,377 0 0
ISHARES TR SH TR CRPORT ETF 464288646 2,048 37,430 SH   SOLE   37,430 0 0
ISHARES SILVER TR ISHARES 46428Q109 3,200 188,100 SH   SOLE   188,100 0 0
ISHARES TR MSCI INDIA ETF 46429B598 25 850 SH   SOLE   850 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 2,498 49,370 SH   SOLE   49,370 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,433 14,000 SH   SOLE   14,000 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 108 1,970 SH   SOLE   1,970 0 0
ISHARES TR CORE MSCI EURO 46434V738 79 1,850 SH   SOLE   1,850 0 0
JBG SMITH PPTYS COM 46590V100 26 885 SH   SOLE   885 0 0
JPMORGAN CHASE & CO COM 46625H100 2,017 21,445 SH   SOLE   21,445 0 0
JOHNSON & JOHNSON COM 478160104 403 2,866 SH   SOLE   2,866 0 0
KEYCORP COM 493267108 213 17,500 SH   SOLE   17,500 0 0
KROGER CO COM 501044101 68 2,000 SH   SOLE   2,000 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 1,932 11,633 SH   SOLE   11,633 0 0
LAM RESEARCH CORP COM 512807108 3,028 9,362 SH   SOLE   9,362 0 0
MARRIOTT VACTINS WORLDWID CO COM 57164Y107 21 250 SH   SOLE   250 0 0
MARRIOTT INTL INC NEW CL A 571903202 38 442 SH   SOLE   442 0 0
MASTERCARD INCORPORATED CL A 57636Q104 2,952 9,982 SH   SOLE   9,982 0 0
MERCK & CO. INC COM 58933Y105 1,880 24,310 SH   SOLE   24,310 0 0
MICROSOFT CORP COM 594918104 4,748 23,330 SH   SOLE   23,330 0 0
NIKE INC CL B 654106103 1,917 19,555 SH   SOLE   19,555 0 0
NUVEEN VIRGINIA QLTY MUNCPL COM 67064R102 35 2,452 SH   SOLE   2,452 0 0
ORACLE CORP COM 68389X105 1,981 35,835 SH   SOLE   35,835 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,089 10,355 SH   SOLE   10,355 0 0
PAYPAL HLDGS INC COM 70450Y103 144 825 SH   SOLE   825 0 0
PELOTON INTERACTIVE INC CL A COM 70614W100 12 200 SH   SOLE   200 0 0
PEPSICO INC COM 713448108 847 6,405 SH   SOLE   6,405 0 0
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408 10 1,170 SH   SOLE   1,170 0 0
PFIZER INC COM 717081103 31 954 SH   SOLE   954 0 0
PROCTER AND GAMBLE CO COM 742718109 143 1,200 SH   SOLE   1,200 0 0
RAYONIER INC COM 754907103 57 2,315 SH   SOLE   2,315 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 145 2,360 SH   SOLE   2,360 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 282 8,630 SH   SOLE   8,630 0 0
SPDR SER TR BLMBRG BRC CNVRT 78464A359 227 3,750 SH   SOLE   3,750 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 19 600 SH   SOLE   600 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,589 32,075 SH   SOLE   32,075 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 32 100 SH   SOLE   100 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,652 31,975 SH   SOLE   31,975 0 0
SAUL CTRS INC COM 804395101 10 325 SH   SOLE   325 0 0
SCHLUMBERGER LTD COM 806857108 29 1,600 SH   SOLE   1,600 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 11 110 SH   SOLE   110 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 19 500 SH   SOLE   500 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 261 2,498 SH   SOLE   2,498 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 12 230 SH   SOLE   230 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 11 200 SH   SOLE   200 0 0
SIMON PPTY GROUP INC NEW COM 828806109 3 50 SH   SOLE   50 0 0
STARBUCKS CORP COM 855244109 16 224 SH   SOLE   224 0 0
STRYKER CORPORATION COM 863667101 931 5,165 SH   SOLE   5,165 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 41 725 SH   SOLE   725 0 0
TARGET CORP COM 87612E106 2,766 23,060 SH   SOLE   23,060 0 0
3M CO COM 88579Y101 62 400 SH   SOLE   400 0 0
TRAVELERS COMPANIES INC COM 89417E109 891 7,810 SH   SOLE   7,810 0 0
US BANCORP DEL COM NEW 902973304 29 778 SH   SOLE   778 0 0
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 2,316 80,695 SH   SOLE   80,695 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 136 1,460 SH   SOLE   1,460 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 8 100 SH   SOLE   100 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 11 123 SH   SOLE   123 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 14 300 SH   SOLE   300 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,911 73,490 SH   SOLE   73,490 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 102 1,298 SH   SOLE   1,298 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,704 30,905 SH   SOLE   30,905 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 121 2,850 SH   SOLE   2,850 0 0
WHIRLPOOL CORP COM 963320106 2,070 15,980 SH   SOLE   15,980 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 14 120 SH   SOLE   120 0 0
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 6 25 SH   SOLE   25 0 0
CHUBB LIMITED COM H1467J104 1,480 11,692 SH   SOLE   11,692 0 0
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 677 10,305 SH   SOLE   10,305 0 0
MYLAN NV SHS EURO N59465109 1,516 94,300 SH   SOLE   94,300 0 0