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
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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
VANGUARD INDEX FDS COM 922908363 92,970 402,885 SH   SOLE   0 0 402,885
ISHARES TR COM 464287465 60,034 876,659 SH   SOLE   0 0 876,659
ISHARES TR COM 464287499 33,678 170,825 SH   SOLE   0 0 170,825
ISHARES TR COM 464287226 14,567 132,922 SH   SOLE   0 0 132,922
ISHARES TR COM 46434VAQ3 9,450 369,730 SH   SOLE   0 0 369,730
ISHARES TR COM 46434VAA8 5,945 235,993 SH   SOLE   0 0 235,993
VANGUARD INDEX FDS COM 922908652 5,815 54,284 SH   SOLE   0 0 54,284
ISHARES TR COM 46434VAU4 5,790 231,152 SH   SOLE   0 0 231,152
ISHARES TR COM 46434VBK5 5,601 223,590 SH   SOLE   0 0 223,590
PIMCO ETF TR COM 72201R775 4,638 43,446 SH   SOLE   0 0 43,446
ISHARES TR COM 46429B689 3,182 44,774 SH   SOLE   0 0 44,774
ISHARES TR COM 46429B697 2,927 58,154 SH   SOLE   0 0 58,154
AMGEN INC COM 031162100 2,919 15,658 SH   SOLE   0 0 15,658
ISHARES TR COM 464288414 2,767 24,956 SH   SOLE   0 0 24,956
WISDOMTREE TR COM 97717W505 2,424 24,251 SH   SOLE   0 0 24,251
JOHNSON & JOHNSON COM 478160104 2,373 18,254 SH   SOLE   0 0 18,254
ISHARES TR COM 464288158 2,303 21,732 SH   SOLE   0 0 21,732
APPLE INC COM 037833100 2,140 13,885 SH   SOLE   0 0 13,885
MICROSOFT CORP COM 594918104 2,106 28,268 SH   SOLE   0 0 28,268
PNC FINL SVCS GROUP INC COM 693475105 1,966 14,586 SH   SOLE   0 0 14,586
JPMORGAN CHASE & CO COM 46625H100 1,919 20,097 SH   SOLE   0 0 20,097
EXXON MOBIL CORP COM 30231G102 1,728 21,073 SH   SOLE   0 0 21,073
PFIZER INC COM 717081103 1,695 47,475 SH   SOLE   0 0 47,475
SPDR S&P 500 ETF TR COM 78462F103 1,621 6,451 SH   SOLE   0 0 6,451
VERIZON COMMUNICATIONS INC COM 92343V104 1,604 32,420 SH   SOLE   0 0 32,420
BERKSHIRE HATHAWAY INC DEL COM 084670702 1,594 8,694 SH   SOLE   0 0 8,694
VISA INC COM 92826C839 1,568 14,903 SH   SOLE   0 0 14,903
PROCTER AND GAMBLE CO COM 742718109 1,510 16,602 SH   SOLE   0 0 16,602
L3 TECHNOLOGIES INC COM 502413107 1,502 7,970 SH   SOLE   0 0 7,970
ALPHABET INC COM 02079K305 1,474 1,514 SH   SOLE   0 0 1,514
PPL CORP COM 69351T106 1,418 37,371 SH   SOLE   0 0 37,371
CISCO SYS INC COM 17275R102 1,389 41,300 SH   SOLE   0 0 41,300
AMERICAN TOWER CORP NEW COM 03027X100 1,353 9,899 SH   SOLE   0 0 9,899
PARKER HANNIFIN CORP COM 701094104 1,309 7,480 SH   SOLE   0 0 7,480
TIME WARNER INC COM 887317303 1,307 12,762 SH   SOLE   0 0 12,762
VANGUARD WHITEHALL FDS INC COM 921946406 1,302 16,058 SH   SOLE   0 0 16,058
BALL CORP COM 058498106 1,300 31,465 SH   SOLE   0 0 31,465
WAL-MART STORES INC COM 931142103 1,297 16,595 SH   SOLE   0 0 16,595
MASCO CORP COM 574599106 1,273 32,626 SH   SOLE   0 0 32,626
PEPSICO INC COM 713448108 1,270 11,396 SH   SOLE   0 0 11,396
INTERNATIONAL BUSINESS MACHS COM 459200101 1,265 8,719 SH   SOLE   0 0 8,719
C H ROBINSON WORLDWIDE INC COM 12541W209 1,201 15,784 SH   SOLE   0 0 15,784
BECTON DICKINSON & CO COM 075887109 1,189 6,069 SH   SOLE   0 0 6,069
MOTOROLA SOLUTIONS INC COM 620076307 1,162 13,696 SH   SOLE   0 0 13,696
WELLS FARGO CO NEW COM 949746101 1,157 20,981 SH   SOLE   0 0 20,981
DIAGEO P L C SPONSORED ADR 25243Q205 1,154 8,734 SH   SOLE   0 0 8,734
ISHARES TR COM 464287598 1,141 9,626 SH   SOLE   0 0 9,626
STARBUCKS CORP COM 855244109 1,134 21,122 SH   SOLE   0 0 21,122
UNITEDHEALTH GROUP INC COM 91324P102 1,121 5,722 SH   SOLE   0 0 5,722
GILEAD SCIENCES INC COM 375558103 1,114 13,745 SH   SOLE   0 0 13,745
FRESENIUS MED CARE AG&CO KGA SPONSORED ADR 358029106 1,090 22,289 SH   SOLE   0 0 22,289
DISCOVER FINL SVCS COM 254709108 1,084 16,811 SH   SOLE   0 0 16,811
INVESCO LTD COM G491BT108 1,073 30,622 SH   SOLE   0 0 30,622
OCCIDENTAL PETE CORP DEL COM 674599105 979 15,249 SH   SOLE   0 0 15,249
NVR INC COM 62944T105 959 336 SH   SOLE   0 0 336
ISHARES TR COM 464288885 951 12,292 SH   SOLE   0 0 12,292
QUALCOMM INC COM 747525103 947 18,277 SH   SOLE   0 0 18,277
SCHLUMBERGER LTD COM 806857108 943 13,516 SH   SOLE   0 0 13,516
V F CORP COM 918204108 924 14,540 SH   SOLE   0 0 14,540
VANGUARD INTL EQUITY INDEX F COM 922042858 917 21,044 SH   SOLE   0 0 21,044
NUVEEN MARYLAND QLT MUN INC COM 67061Q107 823 64,182 SH   SOLE   0 0 64,182
VANECK VECTORS ETF TR COM 92189F544 772 32,117 SH   SOLE   0 0 32,117
PPG INDS INC COM 693506107 759 6,988 SH   SOLE   0 0 6,988
ISHARES TR COM 46432F842 725 11,295 SH   SOLE   0 0 11,295
ISHARES TR COM 464288448 723 21,417 SH   SOLE   0 0 21,417
AT&T INC COM 00206R102 648 16,532 SH   SOLE   0 0 16,532
WISDOMTREE TR COM 97717W604 620 7,375 SH   SOLE   0 0 7,375
BOEING CO COM 097023105 594 2,338 SH   SOLE   0 0 2,338
ISHARES TR COM 464287655 592 3,994 SH   SOLE   0 0 3,994
MCDONALDS CORP COM 580135101 571 3,644 SH   SOLE   0 0 3,644
RALPH LAUREN CORP CL A 751212101 567 6,417 SH   SOLE   0 0 6,417
CSX CORP COM 126408103 537 9,900 SH   SOLE   0 0 9,900
MERCK & CO INC COM 58933Y105 523 8,175 SH   SOLE   0 0 8,175
ABBVIE INC COM 00287Y109 499 5,618 SH   SOLE   0 0 5,618
SCHWAB STRATEGIC TR COM 808524706 467 17,370 SH   SOLE   0 0 17,370
NATIONAL BK HLDGS CORP CL A 633707104 450 12,596 SH   SOLE   0 0 12,596
WHITE MTNS INS GROUP LTD COM G9618E107 429 500 SH   SOLE   0 0 500
COOPER COS INC COM 216648402 418 1,764 SH   SOLE   0 0 1,764
GENERAL ELECTRIC CO COM 369604103 398 16,470 SH   SOLE   0 0 16,470
ISHARES TR COM 46429B747 366 3,651 SH   SOLE   0 0 3,651
HONEYWELL INTL INC COM 438516106 358 2,526 SH   SOLE   0 0 2,526
VANGUARD INDEX FDS COM 922908629 350 2,378 SH   SOLE   0 0 2,378
VANECK VECTORS ETF TR COM 92189F361 335 10,712 SH   SOLE   0 0 10,712
BLACKROCK MUNIVEST FD INC COM 09253R105 325 33,498 SH   SOLE   0 0 33,498
SCHWAB STRATEGIC TR COM 808524805 323 9,650 SH   SOLE   0 0 9,650
INTEL CORP COM 458140100 298 7,813 SH   SOLE   0 0 7,813
SPDR SER TR COM 78468R853 289 3,307 SH   SOLE   0 0 3,307
DISNEY WALT CO COM 254687106 254 2,579 SH   SOLE   0 0 2,579
ABBOTT LABS COM 002824100 245 4,599 SH   SOLE   0 0 4,599
RYDEX ETF TRUST COM 78355W106 244 2,552 SH   SOLE   0 0 2,552
VANGUARD INDEX FDS COM 922908769 243 1,875 SH   SOLE   0 0 1,875
NETFLIX INC COM 64110L106 238 1,315 SH   SOLE   0 0 1,315
BLACKROCK MD MUNICIPAL BOND COM 09249L105 231 16,377 SH   SOLE   0 0 16,377
ISHARES INC COM 464286533 227 3,910 SH   SOLE   0 0 3,910
ROSS STORES INC COM 778296103 225 3,486 SH   SOLE   0 0 3,486
PIMCO ETF TR COM 72201R783 225 2,213 SH   SOLE   0 0 2,213
AMAZON COM INC COM 023135106 222 231 SH   SOLE   0 0 231
BLUEROCK RESIDENTIAL GRW REI COM 09627J102 217 19,637 SH   SOLE   0 0 19,637
SSGA ACTIVE ETF TR COM 78467V848 213 4,329 SH   SOLE   0 0 4,329
COMCAST CORP NEW COM 20030N101 206 5,345 SH   SOLE   0 0 5,345
S & T BANCORP INC COM 783859101 204 5,157 SH   SOLE   0 0 5,157
PHILIP MORRIS INTL INC COM 718172109 203 1,825 SH   SOLE   0 0 1,825