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 1,052 5,346 SH   SOLE   30 0 5,316
ABBVIE INC COM 00287Y109 1,491 16,090 SH   SOLE   350 0 15,740
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 230 1,409 SH   SOLE   837 0 572
ADOBE SYS INC COM 00724F101 392 1,609 SH   SOLE   0 0 1,609
AETNA INC NEW COM 00817Y108 221 1,205 SH   SOLE   130 0 1,075
AIR LEASE CORP CL A 00912X302 370 8,815 SH   SOLE   0 0 8,815
ALPHABET INC CAP STK CL C 02079K107 533 478 SH   SOLE   29 0 449
ALPHABET INC CAP STK CL A 02079K305 2,715 2,404 SH   SOLE   48 0 2,356
ALTRIA GROUP INC COM 02209S103 573 10,093 SH   SOLE   350 0 9,743
AMAZON COM INC COM 023135106 5,863 3,449 SH   SOLE   20 0 3,429
AMERICAN EXPRESS CO COM 025816109 371 3,786 SH   SOLE   1,510 0 2,276
AMERICAN WTR WKS CO INC NEW COM 030420103 265 3,105 SH   SOLE   0 0 3,105
AMGEN INC COM 031162100 379 2,051 SH   SOLE   35 0 2,016
ANDEAVOR COM 03349M105 267 2,038 SH   SOLE   0 0 2,038
ANTHEM INC COM 036752103 529 2,223 SH   SOLE   0 0 2,223
APPLE INC COM 037833100 4,748 25,650 SH   SOLE   863 0 24,787
APPLIED MATLS INC COM 038222105 529 11,444 SH   SOLE   0 0 11,444
AT&T INC COM 00206R102 456 14,208 SH   SOLE   3,106 0 11,102
AUTOMATIC DATA PROCESSING IN COM 053015103 355 2,643 SH   SOLE   509 0 2,134
BANK AMER CORP COM 060505104 678 24,049 SH   SOLE   941 0 23,108
BB&T CORP COM 054937107 493 9,774 SH   SOLE   0 0 9,774
BERKSHIRE HATHAWAY INC DEL CL A 084670108 282 100 SH   SOLE   0 0 100
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 996 5,335 SH   SOLE   0 0 5,335
BOEING CO COM 097023105 210 625 SH   SOLE   0 0 625
BORGWARNER INC COM 099724106 311 7,204 SH   SOLE   0 0 7,204
BRISTOL MYERS SQUIBB CO COM 110122108 323 5,840 SH   SOLE   2,090 0 3,750
CAPITAL ONE FINL CORP COM 14040H105 712 7,750 SH   SOLE   0 0 7,750
CATERPILLAR INC DEL COM 149123101 545 4,015 SH   SOLE   0 0 4,015
CELGENE CORP COM 151020104 334 4,203 SH   SOLE   129 0 4,074
CHEVRON CORP NEW COM 166764100 669 5,295 SH   SOLE   381 0 4,914
CHUBB LIMITED COM H1467J104 254 2,003 SH   SOLE   0 0 2,003
CISCO SYS INC COM 17275R102 1,410 32,758 SH   SOLE   485 0 32,273
CITIGROUP INC COM NEW 172967424 452 6,755 SH   SOLE   0 0 6,755
COCA COLA CO COM 191216100 427 9,735 SH   SOLE   819 0 8,916
COMCAST CORP NEW CL A 20030N101 696 21,226 SH   SOLE   1,120 0 20,106
COSTCO WHSL CORP NEW COM 22160K105 302 1,447 SH   SOLE   0 0 1,447
CSX CORP COM 126408103 353 5,529 SH   SOLE   0 0 5,529
CUMMINS INC COM 231021106 502 3,773 SH   SOLE   0 0 3,773
D R HORTON INC COM 23331A109 286 6,969 SH   SOLE   595 0 6,374
DANAHER CORP DEL COM 235851102 1,832 18,569 SH   SOLE   0 0 18,569
DISCOVER FINL SVCS COM 254709108 475 6,750 SH   SOLE   0 0 6,750
DISNEY WALT CO COM DISNEY 254687106 232 2,213 SH   SOLE   124 0 2,088
DOLLAR TREE INC COM 256746108 663 7,805 SH   SOLE   0 0 7,805
DOMINION ENERGY INC COM 25746U109 518 7,595 SH   SOLE   0 0 7,595
DOWDUPONT INC COM 26078J100 588 8,922 SH   SOLE   0 0 8,922
DREYFUS HIGH YIELD STRATEGIE SH BEN INT 26200S101 126 40,100 PRN   SOLE   0 0 40,100
DUKE ENERGY CORP NEW COM NEW 26441C204 1,012 12,797 SH   SOLE   0 0 12,797
EATON CORP PLC SHS G29183103 641 8,570 SH   SOLE   50 0 8,520
ENTERPRISE PRODS PARTNERS L COM 293792107 868 31,365 SH   SOLE   3,330 0 28,035
EOG RES INC COM 26875P101 391 3,142 SH   SOLE   0 0 3,142
EXXON MOBIL CORP COM 30231G102 1,831 22,130 SH   SOLE   2,195 0 19,935
FACEBOOK INC CL A 30303M102 2,036 10,479 SH   SOLE   0 0 10,479
FEDEX CORP COM 31428X106 330 1,453 SH   SOLE   0 0 1,453
FIDELITY NATL INFORMATION SV COM 31620M106 319 3,006 SH   SOLE   916 0 2,090
FLEXSHARES TR QUALT DIVD IDX 33939L860 241 5,320 SH   SOLE   0 0 5,320
FORTIVE CORP COM 34959J108 560 7,263 SH   SOLE   0 0 7,263
FULTON FINL CORP PA COM 360271100 358 21,711 SH   SOLE   0 0 21,711
GENERAL ELECTRIC CO COM 369604103 720 52,881 SH   SOLE   3,000 0 49,881
GENERAL MLS INC COM 370334104 277 6,248 SH   SOLE   0 0 6,248
GENERAL MTRS CO COM 37045V100 933 23,691 SH   SOLE   520 0 23,171
HOME DEPOT INC COM 437076102 1,914 9,808 SH   SOLE   462 0 9,346
HONEYWELL INTL INC COM 438516106 226 1,570 SH   SOLE   0 0 1,570
INTEL CORP COM 458140100 1,449 29,154 SH   SOLE   1,056 0 28,099
INTERNATIONAL BUSINESS MACHS COM 459200101 1,060 7,590 SH   SOLE   33 0 7,557
ISHARES TR SELECT DIVID ETF 464287168 987 10,099 SH   SOLE   366 0 9,733
ISHARES TR CORE S&P500 ETF 464287200 11,583 42,421 SH   SOLE   2,330 0 40,091
ISHARES TR MSCI EAFE ETF 464287465 269 4,024 SH   SOLE   1,770 0 2,254
ISHARES TR CORE S&P MCP ETF 464287507 42,202 216,663 SH   SOLE   9,764 0 206,899
ISHARES TR RUS 1000 VAL ETF 464287598 479 3,945 SH   SOLE   3,165 0 780
ISHARES TR RUSSELL 2000 ETF 464287655 3,198 19,530 SH   SOLE   1,678 0 17,852
ISHARES TR CORE S&P SCP ETF 464287804 11,826 141,696 SH   SOLE   9,342 0 132,354
ISHARES TR 1 3 YR CR BD ETF 464288646 244 2,355 SH   SOLE   0 0 2,355
ISHARES TR S&P US PFD STK 464288687 487 12,908 SH   SOLE   0 0 12,908
ISHARES TR MICRO-CAP ETF 464288869 356 3,366 SH   SOLE   108 0 3,258
JOHNSON & JOHNSON COM 478160104 1,499 12,356 SH   SOLE   541 0 11,815
JPMORGAN CHASE & CO COM 46625H100 2,342 22,474 SH   SOLE   468 0 22,006
KOHLS CORP COM 500255104 215 2,950 SH   SOLE   0 0 2,950
LABORATORY CORP AMER HLDGS COM NEW 50540R409 797 4,439 SH   SOLE   0 0 4,439
LOWES COS INC COM 548661107 206 2,157 SH   SOLE   100 0 2,057
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 295 4,264 SH   SOLE   486 0 3,778
MARRIOTT INTL INC NEW CL A 571903202 475 3,753 SH   SOLE   0 0 3,753
MCCORMICK & CO INC COM VTG 579780107 1,301 11,232 SH   SOLE   0 0 11,232
MCDONALDS CORP COM 580135101 924 5,896 SH   SOLE   289 0 5,607
MEDTRONIC PLC SHS G5960L103 212 2,473 SH   SOLE   0 0 2,473
MERCK & CO INC COM 58933Y105 1,139 18,760 SH   SOLE   1,373 0 17,387
MICROCHIP TECHNOLOGY INC COM 595017104 879 9,670 SH   SOLE   0 0 9,670
MICROSOFT CORP COM 594918104 1,629 16,523 SH   SOLE   1,211 0 15,312
MONDELEZ INTL INC CL A 609207105 494 12,058 SH   SOLE   76 0 11,982
MORGAN STANLEY COM NEW 617446448 245 5,175 SH   SOLE   0 0 5,175
NETFLIX INC COM 64110L106 620 1,585 SH   SOLE   25 0 1,560
NEXTERA ENERGY INC COM 65339F101 907 5,428 SH   SOLE   900 0 4,528
NORFOLK SOUTHERN CORP COM 655844108 1,279 8,478 SH   SOLE   1,250 0 7,228
NUCOR CORP COM 670346105 240 3,835 SH   SOLE   0 0 3,835
PEPSICO INC COM 713448108 2,639 24,240 SH   SOLE   30 0 24,210
PFIZER INC COM 717081103 2,391 65,910 SH   SOLE   4,632 0 61,278
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 12,321 121,333 SH   SOLE   4,570 0 116,763
PNC FINL SVCS GROUP INC COM 693475105 367 2,715 SH   SOLE   0 0 2,715
PRICE T ROWE GROUP INC COM 74144T108 247 2,131 SH   SOLE   86 0 2,045
PROCTER AND GAMBLE CO COM 742718109 584 7,488 SH   SOLE   1,682 0 5,806
PROSHARES TR PSHS LC COR PLUS 74347R248 259 3,830 SH   SOLE   0 0 3,830
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 468 6,760 SH   SOLE   0 0 6,760
SANDY SPRING BANCORP INC COM 800363103 2,960 72,177 SH   SOLE   70,391 0 1,786
SCHWAB CHARLES CORP NEW COM 808513105 359 7,030 SH   SOLE   0 0 7,030
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 62,642 963,870 SH   SOLE   53,679 0 910,191
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,847 25,105 SH   SOLE   2,000 0 23,105
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 375 7,532 SH   SOLE   0 0 7,532
SPDR S&P 500 ETF TR TR UNIT 78462F103 24,043 88,629 SH   SOLE   2,762 0 85,867
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 452 1,274 SH   SOLE   1,274 0 0
STRYKER CORP COM 863667101 488 2,890 SH   SOLE   0 0 2,890
TJX COS INC NEW COM 872540109 327 3,440 SH   SOLE   0 0 3,440
TOWNEBANK PORTSMOUTH VA COM 89214P109 259 8,060 SH   SOLE   0 0 8,060
TRAVELERS COMPANIES INC COM 89417E109 713 5,827 SH   SOLE   633 0 5,194
TREX CO INC COM 89531P105 362 5,778 SH   SOLE   0 0 5,778
UNITED BANKSHARES INC WEST V COM 909907107 487 13,366 SH   SOLE   1,000 0 12,366
UNITED TECHNOLOGIES CORP COM 913017109 673 5,381 SH   SOLE   0 0 5,381
US BANCORP DEL COM NEW 902973304 591 11,806 SH   SOLE   732 0 11,074
VALERO ENERGY CORP NEW COM 91913Y100 1,279 11,537 SH   SOLE   0 0 11,537
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 483 6,177 SH   SOLE   0 0 6,177
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 28,438 113,975 SH   SOLE   5,528 0 108,447
VANGUARD INDEX FDS MID CAP ETF 922908629 6,531 41,433 SH   SOLE   3,000 0 38,433
VANGUARD INDEX FDS TOTAL STK MKT 922908769 527 3,751 SH   SOLE   0 0 3,751
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 773 18,307 SH   SOLE   1,570 0 16,737
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 333 4,261 SH   SOLE   0 0 4,261
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,307 77,097 SH   SOLE   4,730 0 72,367
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 258 3,105 SH   SOLE   1,898 0 1,207
VERIZON COMMUNICATIONS INC COM 92343V104 776 15,434 SH   SOLE   751 0 14,683
VISA INC COM CL A 92826C839 1,391 10,501 SH   SOLE   161 0 10,340
WALGREENS BOOTS ALLIANCE INC COM 931427108 206 3,432 SH   SOLE   2,007 0 1,425
WELLS FARGO CO NEW COM 949746101 370 6,673 SH   SOLE   137 0 6,535
WESTERN DIGITAL CORP COM 958102105 317 4,100 SH   SOLE   0 0 4,100
WISDOMTREE TR US SMALLCAP DIVD 97717W604 268 9,030 SH   SOLE   0 0 9,030
YUM BRANDS INC COM 988498101 399 5,096 SH   SOLE   0 0 5,096
YUM CHINA HLDGS INC COM 98850P109 201 5,216 SH   SOLE   0 0 5,216