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 567 3,190 SH   SOLE   3,190 0 0
ABBOTT LABS COM 002824100 516 3,663 SH   SOLE   3,663 0 0
ABBVIE INC COM 00287Y109 609 4,501 SH   SOLE   4,501 0 0
ABERDEEN ASIA-PACIFIC INCOME COM 003009107 1,440 377,026 SH   SOLE   377,026 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 429 1,034 SH   SOLE   1,034 0 0
ALPHABET INC CAP STK CL A 02079K305 866 299 SH   SOLE   299 0 0
ALPHABET INC CAP STK CL C 02079K107 510 176 SH   SOLE   176 0 0
AMAZON COM INC COM 023135106 534 160 SH   SOLE   160 0 0
ANTHEM INC COM 036752103 276 596 SH   SOLE   596 0 0
APPLE INC COM 037833100 6,599 775,128 SH   SOLE   775,128 0 0
APPLIED MATLS INC COM 038222105 294 1,871 SH   SOLE   1,871 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 209 263 SH   SOLE   263 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 412 1,669 SH   SOLE   1,669 0 0
BECTON DICKINSON & CO COM 075887109 366 1,456 SH   SOLE   1,456 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 805 32,613 SH   SOLE   32,613 0 0
BK OF AMERICA CORP COM 060505104 240 5,384 SH   SOLE   5,384 0 0
BLACKROCK CORE BD TR SHS BEN INT 09249E101 2,119 128,333 SH   SOLE   128,333 0 0
BOEING CO COM 097023105 540 2,682 SH   SOLE   2,682 0 0
CABLE ONE INC COM 12685J105 723 410 SH   SOLE   410 0 0
CBRE GROUP INC CL A 12504L109 220 2,025 SH   SOLE   2,025 0 0
CHEVRON CORP NEW COM 166764100 248 2,111 SH   SOLE   2,111 0 0
CIGNA CORP NEW COM 125523100 301 1,311 SH   SOLE   1,311 0 0
CISCO SYS INC COM 17275R102 505 7,965 SH   SOLE   7,965 0 0
COCA COLA CO COM 191216100 262 4,424 SH   SOLE   4,424 0 0
CONOCOPHILLIPS COM 20825C104 340 4,711 SH   SOLE   4,711 0 0
COSTCO WHSL CORP NEW COM 22160K105 957 1,685 SH   SOLE   1,685 0 0
CVS HEALTH CORP COM 126650100 262 2,544 SH   SOLE   2,544 0 0
D R HORTON INC COM 23331A109 237 2,185 SH   SOLE   2,185 0 0
DANAHER CORPORATION COM 235851102 204 619 SH   SOLE   619 0 0
DISNEY WALT CO COM 254687106 427 2,756 SH   SOLE   2,756 0 0
EXXON MOBIL CORP COM 30231G102 242 3,952 SH   SOLE   3,952 0 0
FEDEX CORP COM 31428X106 255 985 SH   SOLE   985 0 0
FLAHERTY & CRUMRINE PFD SECS COM 338478100 1,537 70,785 SH   SOLE   70,785 0 0
GRAHAM HLDGS CO COM CL B 384637104 274 435 SH   SOLE   435 0 0
HOME DEPOT INC COM 437076102 574 1,383 SH   SOLE   1,383 0 0
INTUIT COM 461202103 468 728 SH   SOLE   728 0 0
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 376 4,891 SH   SOLE   4,891 0 0
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 3,235 45,300 SH   SOLE   45,300 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 212 532 SH   SOLE   532 0 0
ISHARES INC MSCI AUST ETF 464286103 384 15,462 SH   SOLE   15,462 0 0
ISHARES INC MSCI BRAZIL ETF 464286400 570 20,291 SH   SOLE   20,291 0 0
ISHARES INC MSCI CDA ETF 464286509 1,470 38,255 SH   SOLE   38,255 0 0
ISHARES INC MSCI GBL ETF NEW 46434G848 1,427 33,477 SH   SOLE   33,477 0 0
ISHARES INC MSCI GBL GOLD MN 46434G855 1,074 39,833 SH   SOLE   39,833 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 253 3,776 SH   SOLE   3,776 0 0
ISHARES INC MSCI PAC JP ETF 464286665 324 6,775 SH   SOLE   6,775 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 10,758 101,608 SH   SOLE   101,608 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 2,473 28,916 SH   SOLE   28,916 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,198 8,087 SH   SOLE   8,087 0 0
ISHARES TR 3YRTB ETF 464288125 1,174 15,020 SH   SOLE   15,020 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 2,475 21,519 SH   SOLE   21,519 0 0
ISHARES TR COHEN STEER REIT 464287564 2,848 37,429 SH   SOLE   37,429 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,734 6,125 SH   SOLE   6,125 0 0
ISHARES TR CORE S&P SCP ETF 464287804 3,554 31,036 SH   SOLE   31,036 0 0
ISHARES TR CORE S&P US GWT 464287671 1,545 13,357 SH   SOLE   13,357 0 0
ISHARES TR CORE S&P500 ETF 464287200 13,517 28,337 SH   SOLE   28,337 0 0
ISHARES TR CORE US AGGBD ET 464287226 6,834 59,903 SH   SOLE   59,903 0 0
ISHARES TR EAFE SML CP ETF 464288273 1,437 19,655 SH   SOLE   19,655 0 0
ISHARES TR EAFE VALUE ETF 464288877 446 8,857 SH   SOLE   8,857 0 0
ISHARES TR EUROPE ETF 464287861 3,278 60,259 SH   SOLE   60,259 0 0
ISHARES TR EXPND TEC SC ETF 464287549 1,265 2,881 SH   SOLE   2,881 0 0
ISHARES TR GBL COMM SVC ETF 464287275 592 7,202 SH   SOLE   7,202 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 1,633 18,074 SH   SOLE   18,074 0 0
ISHARES TR GLOB UTILITS ETF 464288711 396 6,120 SH   SOLE   6,120 0 0
ISHARES TR GLOBAL 100 ETF 464287572 297 3,811 SH   SOLE   3,811 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 3,151 114,545 SH   SOLE   114,545 0 0
ISHARES TR GLOBAL FINLS ETF 464287333 450 5,621 SH   SOLE   5,621 0 0
ISHARES TR INTL DEV RE ETF 464288489 2,400 84,220 SH   SOLE   84,220 0 0
ISHARES TR INTL TREA BD ETF 464288117 6,279 124,851 SH   SOLE   124,851 0 0
ISHARES TR ISHARES BIOTECH 464287556 1,662 10,887 SH   SOLE   10,887 0 0
ISHARES TR JPX NIKKEI 400 464287382 602 8,523 SH   SOLE   8,523 0 0
ISHARES TR LATN AMER 40 ETF 464287390 679 28,955 SH   SOLE   28,955 0 0
ISHARES TR MICRO-CAP ETF 464288869 1,862 13,323 SH   SOLE   13,323 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,313 54,823 SH   SOLE   54,823 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 2,033 41,620 SH   SOLE   41,620 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 656 19,805 SH   SOLE   19,805 0 0
ISHARES TR NATIONAL MUN ETF 464288414 200 1,720 SH   SOLE   1,720 0 0
ISHARES TR NORTH AMERN NAT 464287374 8,888 282,351 SH   SOLE   282,351 0 0
ISHARES TR RUS 1000 ETF 464287622 3,193 12,075 SH   SOLE   12,075 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 405 1,326 SH   SOLE   1,326 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 376 1,284 SH   SOLE   1,284 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 1,505 9,066 SH   SOLE   9,066 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,285 5,777 SH   SOLE   5,777 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 62,628 225,685 SH   SOLE   225,685 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 4,692 56,081 SH   SOLE   56,081 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,580 10,086 SH   SOLE   10,086 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,189 13,944 SH   SOLE   13,944 0 0
ISHARES TR S&P MC 400VL ETF 464287705 2,419 21,858 SH   SOLE   21,858 0 0
ISHARES TR S&P SML 600 GWT 464287887 2,067 14,892 SH   SOLE   14,892 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 385 3,585 SH   SOLE   3,585 0 0
ISHARES TR SP SMCP600VL ETF 464287879 6,907 66,102 SH   SOLE   66,102 0 0
ISHARES TR TIPS BD ETF 464287176 10,342 80,045 SH   SOLE   80,045 0 0
ISHARES TR U.S. BAS MTL ETF 464287838 376 2,683 SH   SOLE   2,683 0 0
ISHARES TR U.S. ENERGY ETF 464287796 508 16,891 SH   SOLE   16,891 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 2,604 13,484 SH   SOLE   13,484 0 0
ISHARES TR U.S. PHARMA ETF 464288836 952 4,769 SH   SOLE   4,769 0 0
ISHARES TR U.S. UTILITS ETF 464287697 1,976 22,342 SH   SOLE   22,342 0 0
ISHARES TR US CONSM STAPLES 464287812 406 2,031 SH   SOLE   2,031 0 0
ISHARES TR US HLTHCARE ETF 464287762 243 807 SH   SOLE   807 0 0
ISHARES TR US HOME CONS ETF 464288752 1,083 13,067 SH   SOLE   13,067 0 0
ISHARES TR US INDUSTRIALS 464287754 248 2,200 SH   SOLE   2,200 0 0
ISHARES TR US REGNL BKS ETF 464288778 1,183 19,149 SH   SOLE   19,149 0 0
ISHARES TR US TELECOM ETF 464287713 613 18,638 SH   SOLE   18,638 0 0
ISHARES TR US TREAS BD ETF 46429B267 930 34,858 SH   SOLE   34,858 0 0
JOHNSON & JOHNSON COM 478160104 539 3,149 SH   SOLE   3,149 0 0
JPMORGAN CHASE & CO COM 46625H100 551 3,479 SH   SOLE   3,479 0 0
LAM RESEARCH CORP COM 512807108 817 1,136 SH   SOLE   1,136 0 0
LILLY ELI & CO COM 532457108 277 1,004 SH   SOLE   1,004 0 0
LOWES COS INC COM 548661107 430 1,662 SH   SOLE   1,662 0 0
MARATHON PETE CORP COM 56585A102 209 3,269 SH   SOLE   3,269 0 0
MARRIOTT INTL INC NEW CL A 571903202 428 2,591 SH   SOLE   2,591 0 0
MARTIN MARIETTA MATLS INC COM 573284106 275 625 SH   SOLE   625 0 0
MCDONALDS CORP COM 580135101 294 1,096 SH   SOLE   1,096 0 0
MCKESSON CORP COM 58155Q103 287 1,155 SH   SOLE   1,155 0 0
MERCK & CO INC COM 58933Y105 777 10,143 SH   SOLE   10,143 0 0
MICRON TECHNOLOGY INC COM 595112103 343 3,677 SH   SOLE   3,677 0 0
MICROSOFT CORP COM 594918104 1,040 3,093 SH   SOLE   3,093 0 0
NEOGEN CORP COM 640491106 309 6,812 SH   SOLE   6,812 0 0
NORFOLK SOUTHN CORP COM 655844108 224 754 SH   SOLE   754 0 0
NORTHROP GRUMMAN CORP COM 666807102 240 621 SH   SOLE   621 0 0
NUVEEN CR STRATEGIES INCOME COM SHS 67073D102 284 43,746 SH   SOLE   43,746 0 0
NVIDIA CORPORATION COM 67066G104 2,213 7,524 SH   SOLE   7,524 0 0
OLD DOMINION FREIGHT LINE IN COM 679580100 392 1,095 SH   SOLE   1,095 0 0
PEPSICO INC COM 713448108 464 2,670 SH   SOLE   2,670 0 0
PFIZER INC COM 717081103 230 3,888 SH   SOLE   3,888 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,674 15,301 SH   SOLE   15,301 0 0
PNC FINL SVCS GROUP INC COM 693475105 341 1,699 SH   SOLE   1,699 0 0
PROCTER AND GAMBLE CO COM 742718109 411 2,511 SH   SOLE   2,511 0 0
PULTE GROUP INC COM 745867101 253 4,418 SH   SOLE   4,418 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 283 3,287 SH   SOLE   3,287 0 0
ROYCE MICRO-CAP TR INC COM 780915104 2,809 243,169 SH   SOLE   243,169 0 0
SANDY SPRING BANCORP INC COM 800363103 343 7,140 SH   SOLE   7,140 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 277 7,126 SH   SOLE   7,126 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,881 69,736 SH   SOLE   69,736 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,738 36,503 SH   SOLE   36,503 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,498 26,985 SH   SOLE   26,985 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 274 7,012 SH   SOLE   7,012 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,093 5,348 SH   SOLE   5,348 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 476 6,171 SH   SOLE   6,171 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 579 4,113 SH   SOLE   4,113 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 358 3,387 SH   SOLE   3,387 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 255 2,812 SH   SOLE   2,812 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 551 3,167 SH   SOLE   3,167 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 674 1,418 SH   SOLE   1,418 0 0
SPDR SER TR FTSE INT GVT ETF 78464A490 4,871 90,517 SH   SOLE   90,517 0 0
SPDR SER TR S&P METALS MNG 78464A755 1,141 25,490 SH   SOLE   25,490 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 6,740 142,380 SH   SOLE   142,380 0 0
STARBUCKS CORP COM 855244109 319 2,731 SH   SOLE   2,731 0 0
TEMPLETON EMERGING MKTS FD COM 880191101 2,213 137,955 SH   SOLE   137,955 0 0
TEMPLETON GLOBAL INCOME FD COM 880198106 3,167 610,142 SH   SOLE   610,142 0 0
TEXAS INSTRS INC COM 882508104 216 1,148 SH   SOLE   1,148 0 0
THE TRADE DESK INC COM CL A 88339J105 259 2,826 SH   SOLE   2,826 0 0
UNION PAC CORP COM 907818108 423 1,678 SH   SOLE   1,678 0 0
UNITEDHEALTH GROUP INC COM 91324P102 332 662 SH   SOLE   662 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 290 9,040 SH   SOLE   9,040 0 0
VANECK ETF TRUST INVESTMENT GRD 92189F486 6,302 249,406 SH   SOLE   249,406 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 4,358 28,786 SH   SOLE   28,786 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 24,857 293,302 SH   SOLE   293,302 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 259 1,018 SH   SOLE   1,018 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 671 2,633 SH   SOLE   2,633 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,844 58,991 SH   SOLE   58,991 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,375 7,690 SH   SOLE   7,690 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,227 5,431 SH   SOLE   5,431 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 945 3,354 SH   SOLE   3,354 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,339 5,545 SH   SOLE   5,545 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,767 76,154 SH   SOLE   76,154 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 302 4,430 SH   SOLE   4,430 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,651 27,252 SH   SOLE   27,252 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 674 6,276 SH   SOLE   6,276 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 7,857 36,424 SH   SOLE   36,424 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 255 4,006 SH   SOLE   4,006 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 27,615 540,834 SH   SOLE   540,834 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 215 1,584 SH   SOLE   1,584 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 2,275 29,312 SH   SOLE   29,312 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 267 1,003 SH   SOLE   1,003 0 0
VISA INC COM CL A 92826C839 275 1,269 SH   SOLE   1,269 0 0
WELLS FARGO CO NEW COM 949746101 318 6,619 SH   SOLE   6,619 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103 403 1,698 SH   SOLE   1,698 0 0
XILINX INC COM 983919101 360 1,697 SH   SOLE   1,697 0 0
YUM BRANDS INC COM 988498101 347 2,499 SH   SOLE   2,499 0 0