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
VANGUARD INDEX FDS COM 922908363 113,866 470,366 SH   SOLE   0 0 470,366
ISHARES TR COM 46432F842 45,413 689,334 SH   SOLE   0 0 689,334
ISHARES TR COM 464287499 34,896 169,038 SH   SOLE   0 0 169,038
ISHARES TR COM 464287440 23,708 229,751 SH   SOLE   0 0 229,751
ISHARES TR COM 464287465 19,207 275,645 SH   SOLE   0 0 275,645
ISHARES TR COM 46434VAQ3 16,123 643,120 SH   SOLE   0 0 643,120
ISHARES TR COM 46434VAU4 10,018 404,440 SH   SOLE   0 0 404,440
ISHARES TR COM 46434VBK5 9,788 399,999 SH   SOLE   0 0 399,999
ISHARES TR COM 46434VAA8 8,937 355,480 SH   SOLE   0 0 355,480
ISHARES TR COM 464287226 6,644 61,953 SH   SOLE   0 0 61,953
PIMCO ETF TR COM 72201R775 6,540 62,745 SH   SOLE   0 0 62,745
VANGUARD INDEX FDS COM 922908652 5,664 50,774 SH   SOLE   0 0 50,774
ISHARES TR COM 46429B697 4,606 88,694 SH   SOLE   0 0 88,694
ISHARES TR COM 46429B689 3,540 48,042 SH   SOLE   0 0 48,042
AMGEN INC COM 031162100 2,820 16,542 SH   SOLE   0 0 16,542
MICROSOFT CORP COM 594918104 2,600 28,492 SH   SOLE   0 0 28,492
JOHNSON & JOHNSON COM 478160104 2,522 19,678 SH   SOLE   0 0 19,678
PNC FINL SVCS GROUP INC COM 693475105 2,436 16,107 SH   SOLE   0 0 16,107
APPLE INC COM 037833100 2,425 14,455 SH   SOLE   0 0 14,455
WISDOMTREE TR COM 97717W505 2,334 68,395 SH   SOLE   0 0 68,395
JPMORGAN CHASE & CO COM 46625H100 2,200 20,010 SH   SOLE   0 0 20,010
BERKSHIRE HATHAWAY INC DEL COM 084670702 2,149 10,775 SH   SOLE   0 0 10,775
CISCO SYS INC COM 17275R102 1,927 44,920 SH   SOLE   0 0 44,920
VISA INC COM 92826C839 1,912 15,985 SH   SOLE   0 0 15,985
ALPHABET INC COM 02079K305 1,880 1,813 SH   SOLE   0 0 1,813
PFIZER INC COM 717081103 1,855 52,278 SH   SOLE   0 0 52,278
VERIZON COMMUNICATIONS INC COM 92343V104 1,848 38,640 SH   SOLE   0 0 38,640
L3 TECHNOLOGIES INC COM 502413107 1,797 8,641 SH   SOLE   0 0 8,641
ISHARES TR COM 464288414 1,771 16,260 SH   SOLE   0 0 16,260
MOTOROLA SOLUTIONS INC COM 620076307 1,760 16,715 SH   SOLE   0 0 16,715
WALMART INC COM 931142103 1,710 19,220 SH   SOLE   0 0 19,220
EXXON MOBIL CORP COM 30231G102 1,709 22,908 SH   SOLE   0 0 22,908
TIME WARNER INC COM 887317303 1,629 17,228 SH   SOLE   0 0 17,228
STARBUCKS CORP COM 855244109 1,628 28,121 SH   SOLE   0 0 28,121
AMERICAN TOWER CORP NEW COM 03027X100 1,607 11,054 SH   SOLE   0 0 11,054
INTERNATIONAL BUSINESS MACHS COM 459200101 1,592 10,375 SH   SOLE   0 0 10,375
SPDR S&P 500 ETF TR COM 78462F103 1,580 6,005 SH   SOLE   0 0 6,005
BECTON DICKINSON & CO COM 075887109 1,563 7,215 SH   SOLE   0 0 7,215
MASCO CORP COM 574599106 1,559 38,560 SH   SOLE   0 0 38,560
VANGUARD WHITEHALL FDS INC COM 921946406 1,535 18,610 SH   SOLE   0 0 18,610
PEPSICO INC COM 713448108 1,485 13,602 SH   SOLE   0 0 13,602
UNITEDHEALTH GROUP INC COM 91324P102 1,485 6,939 SH   SOLE   0 0 6,939
PROCTER AND GAMBLE CO COM 742718109 1,473 18,583 SH   SOLE   0 0 18,583
BALL CORP COM 058498106 1,456 36,671 SH   SOLE   0 0 36,671
PARKER HANNIFIN CORP COM 701094104 1,444 8,443 SH   SOLE   0 0 8,443
DIAGEO P L C SPONSORED ADR 25243Q205 1,443 10,654 SH   SOLE   0 0 10,654
HASBRO INC COM 418056107 1,418 16,817 SH   SOLE   0 0 16,817
QUALCOMM INC COM 747525103 1,416 25,556 SH   SOLE   0 0 25,556
FRESENIUS MED CARE AG&CO KGA SPONSORED ADR 358029106 1,376 26,930 SH   SOLE   0 0 26,930
WELLS FARGO CO NEW COM 949746101 1,333 25,438 SH   SOLE   0 0 25,438
PPL CORP COM 69351T106 1,320 46,670 SH   SOLE   0 0 46,670
GILEAD SCIENCES INC COM 375558103 1,293 17,153 SH   SOLE   0 0 17,153
VANGUARD INTL EQUITY INDEX F COM 922042858 1,280 27,241 SH   SOLE   0 0 27,241
V F CORP COM 918204108 1,271 17,149 SH   SOLE   0 0 17,149
INVESCO LTD COM G491BT108 1,217 38,011 SH   SOLE   0 0 38,011
OCCIDENTAL PETE CORP DEL COM 674599105 1,214 18,689 SH   SOLE   0 0 18,689
ISHARES TR COM 464287598 1,100 9,166 SH   SOLE   0 0 9,166
SCHLUMBERGER LTD COM 806857108 1,097 16,936 SH   SOLE   0 0 16,936
CBS CORP NEW COM 124857202 1,087 21,157 SH   SOLE   0 0 21,157
ISHARES TR COM 464288885 1,032 12,843 SH   SOLE   0 0 12,843
RALPH LAUREN CORP COM 751212101 956 8,550 SH   SOLE   0 0 8,550
PPG INDS INC COM 693506107 889 7,963 SH   SOLE   0 0 7,963
NVR INC COM 62944T105 871 311 SH   SOLE   0 0 311
FACEBOOK INC COM 30303M102 810 5,072 SH   SOLE   0 0 5,072
ISHARES TR COM 464288448 782 23,681 SH   SOLE   0 0 23,681
WISDOMTREE TR COM 97717W604 770 28,084 SH   SOLE   0 0 28,084
BOEING CO COM 097023105 753 2,296 SH   SOLE   0 0 2,296
ISHARES TR COM 464287655 589 3,882 SH   SOLE   0 0 3,882
MCDONALDS CORP COM 580135101 589 3,765 SH   SOLE   0 0 3,765
AT&T INC COM 00206R102 581 16,298 SH   SOLE   0 0 16,298
COMCAST CORP NEW COM 20030N101 561 16,416 SH   SOLE   0 0 16,416
CSX CORP COM 126408103 554 9,950 SH   SOLE   0 0 9,950
VANECK VECTORS ETF TR COM 92189F544 548 23,280 SH   SOLE   0 0 23,280
ABBVIE INC COM 00287Y109 535 5,657 SH   SOLE   0 0 5,657
ISHARES TR COM 464288158 513 4,893 SH   SOLE   0 0 4,893
SCHWAB STRATEGIC TR COM 808524706 476 16,594 SH   SOLE   0 0 16,594
INTEL CORP COM 458140100 420 8,055 SH   SOLE   0 0 8,055
NATIONAL BK HLDGS CORP COM 633707104 419 12,596 SH   SOLE   0 0 12,596
WHITE MTNS INS GROUP LTD COM G9618E107 415 505 SH   SOLE   0 0 505
ISHARES INC COM 464286533 405 6,493 SH   SOLE   0 0 6,493
VANGUARD INDEX FDS COM 922908629 399 2,585 SH   SOLE   0 0 2,585
NETFLIX INC COM 64110L106 391 1,325 SH   SOLE   0 0 1,325
COOPER COS INC COM 216648402 369 1,612 SH   SOLE   0 0 1,612
HONEYWELL INTL INC COM 438516106 366 2,535 SH   SOLE   0 0 2,535
NUVEEN MARYLAND QLT MUN INC COM 67061Q107 351 29,027 SH   SOLE   0 0 29,027
ISHARES TR COM 46429B747 340 3,391 SH   SOLE   0 0 3,391
DISCOVER FINL SVCS COM 254709108 326 4,538 SH   SOLE   0 0 4,538
MERCK & CO INC COM 58933Y105 319 5,865 SH   SOLE   0 0 5,865
SCHWAB STRATEGIC TR COM 808524805 295 8,747 SH   SOLE   0 0 8,747
AMAZON COM INC COM 023135106 288 199 SH   SOLE   0 0 199
ABBOTT LABS COM 002824100 279 4,654 SH   SOLE   0 0 4,654
VANGUARD INDEX FDS COM 922908769 269 1,980 SH   SOLE   0 0 1,980
HOME DEPOT INC COM 437076102 256 1,436 SH   SOLE   0 0 1,436
RYDEX ETF TRUST COM 78355W106 254 2,552 SH   SOLE   0 0 2,552
DISNEY WALT CO COM 254687106 249 2,479 SH   SOLE   0 0 2,479
VANECK VECTORS ETF TR COM 92189F361 248 8,010 SH   SOLE   0 0 8,010
GENERAL ELECTRIC CO COM 369604103 209 15,514 SH   SOLE   0 0 15,514
BLACKROCK MD MUNICIPAL BOND COM 09249L105 208 15,627 SH   SOLE   0 0 15,627
SSGA ACTIVE ETF TR COM 78467V848 208 4,332 SH   SOLE   0 0 4,332
S & T BANCORP INC COM 783859101 206 5,157 SH   SOLE   0 0 5,157