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 94,488 411,157 SH   SOLE   0 0 411,157
ISHARES TR COM 464287200 29,949 119,028 SH   SOLE   0 0 119,028
ISHARES TR COM 46429B697 28,181 537,815 SH   SOLE   0 0 537,815
ISHARES TR COM 464287499 27,988 602,159 SH   SOLE   0 0 602,159
ISHARES TR COM 46432F842 21,607 392,845 SH   SOLE   0 0 392,845
ISHARES TR COM 46434VAQ3 17,341 694,194 SH   SOLE   0 0 694,194
ISHARES TR COM 46434VBK5 11,455 470,220 SH   SOLE   0 0 470,220
ISHARES TR COM 46434VAU4 11,367 458,327 SH   SOLE   0 0 458,327
PIMCO ETF TR COM 72201R775 9,989 97,195 SH   SOLE   0 0 97,195
ISHARES TR COM 46434VBA7 9,937 411,145 SH   SOLE   0 0 411,145
ISHARES TR COM 464288414 9,289 85,191 SH   SOLE   0 0 85,191
ISHARES TR COM 464287465 8,331 141,736 SH   SOLE   0 0 141,736
VANGUARD INDEX FDS COM 922908629 6,825 49,395 SH   SOLE   0 0 49,395
ISHARES TR COM 464287630 6,741 62,684 SH   SOLE   0 0 62,684
ISHARES TR COM 464288687 5,935 173,393 SH   SOLE   0 0 173,393
ISHARES TR COM 46429B689 4,266 63,997 SH   SOLE   0 0 63,997
VANGUARD INDEX FDS COM 922908652 4,120 41,274 SH   SOLE   0 0 41,274
ISHARES TR COM 464288877 3,762 83,189 SH   SOLE   0 0 83,189
ISHARES TR COM 46434V613 3,598 73,054 SH   SOLE   0 0 73,054
AMGEN INC COM 031162100 3,556 18,266 SH   SOLE   0 0 18,266
MICROSOFT CORP COM 594918104 3,180 31,307 SH   SOLE   0 0 31,307
BERKSHIRE HATHAWAY INC DEL COM 084670702 3,177 15,558 SH   SOLE   0 0 15,558
JOHNSON & JOHNSON COM 478160104 2,938 22,764 SH   SOLE   0 0 22,764
VERIZON COMMUNICATIONS INC COM 92343V104 2,857 50,824 SH   SOLE   0 0 50,824
APPLE INC COM 037833100 2,798 17,737 SH   SOLE   0 0 17,737
PNC FINL SVCS GROUP INC COM 693475105 2,625 22,452 SH   SOLE   0 0 22,452
ISHARES TR COM 464287226 2,604 24,456 SH   SOLE   0 0 24,456
SPDR SERIES TRUST COM 78464A847 2,578 87,631 SH   SOLE   0 0 87,631
PFIZER INC COM 717081103 2,544 58,271 SH   SOLE   0 0 58,271
JPMORGAN CHASE & CO COM 46625H100 2,457 25,170 SH   SOLE   0 0 25,170
VISA INC COM 92826C839 2,409 18,257 SH   SOLE   0 0 18,257
ALPHABET INC COM 02079K305 2,380 2,278 SH   SOLE   0 0 2,278
STARBUCKS CORP COM 855244109 2,368 36,775 SH   SOLE   0 0 36,775
WALMART INC COM 931142103 2,362 25,362 SH   SOLE   0 0 25,362
PROCTER AND GAMBLE CO COM 742718109 2,359 25,661 SH   SOLE   0 0 25,661
CISCO SYS INC COM 17275R102 2,270 52,398 SH   SOLE   0 0 52,398
ISHARES TR COM 464287804 2,239 32,302 SH   SOLE   0 0 32,302
MOTOROLA SOLUTIONS INC COM 620076307 2,208 19,194 SH   SOLE   0 0 19,194
WISDOMTREE TR COM 97717W505 2,177 68,814 SH   SOLE   0 0 68,814
PEPSICO INC COM 713448108 2,176 19,700 SH   SOLE   0 0 19,700
BALL CORP COM 058498106 2,166 47,107 SH   SOLE   0 0 47,107
AMERICAN TOWER CORP NEW COM 03027X100 2,148 13,576 SH   SOLE   0 0 13,576
PPL CORP COM 69351T106 2,121 74,885 SH   SOLE   0 0 74,885
L3 TECHNOLOGIES INC COM 502413107 2,119 12,200 SH   SOLE   0 0 12,200
QUALCOMM INC COM 747525103 2,116 37,188 SH   SOLE   0 0 37,188
BECTON DICKINSON & CO COM 075887109 2,013 8,934 SH   SOLE   0 0 8,934
HASBRO INC COM 418056107 2,012 24,766 SH   SOLE   0 0 24,766
UNITEDHEALTH GROUP INC COM 91324P102 1,985 7,970 SH   SOLE   0 0 7,970
DIAGEO P L C SPONSORED ADR 25243Q205 1,955 13,786 SH   SOLE   0 0 13,786
DISNEY WALT CO COM 254687106 1,937 17,664 SH   SOLE   0 0 17,664
MASCO CORP COM 574599106 1,770 60,524 SH   SOLE   0 0 60,524
INTERNATIONAL BUSINESS MACHS COM 459200101 1,761 15,488 SH   SOLE   0 0 15,488
GOLDMAN SACHS ETF TR COM 381430206 1,758 58,378 SH   SOLE   0 0 58,378
PARKER HANNIFIN CORP COM 701094104 1,733 11,620 SH   SOLE   0 0 11,620
INVESCO EXCHNG TRADED FD TR COM 46138G102 1,678 39,345 SH   SOLE   0 0 39,345
WELLS FARGO CO NEW COM 949746101 1,625 35,271 SH   SOLE   0 0 35,271
SPDR SERIES TRUST COM 78464A508 1,593 58,660 SH   SOLE   0 0 58,660
OCCIDENTAL PETE CORP DEL COM 674599105 1,583 25,788 SH   SOLE   0 0 25,788
NEXTERA ENERGY INC COM 65339F101 1,566 9,008 SH   SOLE   0 0 9,008
FRESENIUS MED CARE AG&CO KGA SPONSORED ADR 358029106 1,512 46,679 SH   SOLE   0 0 46,679
INVESCO LTD COM G491BT108 1,469 87,782 SH   SOLE   0 0 87,782
SPDR S&P 500 ETF TR COM 78462F103 1,462 5,849 SH   SOLE   0 0 5,849
GILEAD SCIENCES INC COM 375558103 1,422 22,733 SH   SOLE   0 0 22,733
VANGUARD INDEX FDS COM 922908769 1,401 10,980 SH   SOLE   0 0 10,980
WORLDPAY INC COM 981558109 1,375 17,990 SH   SOLE   0 0 17,990
SCHLUMBERGER LTD COM 806857108 1,289 35,737 SH   SOLE   0 0 35,737
VANGUARD WHITEHALL FDS INC COM 921946406 1,264 16,206 SH   SOLE   0 0 16,206
DOLLAR GEN CORP NEW COM 256677105 1,259 11,645 SH   SOLE   0 0 11,645
HILTON WORLDWIDE HLDGS INC COM 43300A203 1,216 16,937 SH   SOLE   0 0 16,937
EXXON MOBIL CORP COM 30231G102 934 13,691 SH   SOLE   0 0 13,691
SPDR SERIES TRUST COM 78464A649 915 32,871 SH   SOLE   0 0 32,871
PPG INDS INC COM 693506107 883 8,642 SH   SOLE   0 0 8,642
ISHARES TR COM 464287598 882 7,939 SH   SOLE   0 0 7,939
VANGUARD WORLD FDS COM 92204A702 866 5,190 SH   SOLE   0 0 5,190
VANGUARD WORLD FDS COM 92204A405 850 14,314 SH   SOLE   0 0 14,314
FACEBOOK INC COM 30303M102 767 5,854 SH   SOLE   0 0 5,854
BOEING CO COM 097023105 761 2,360 SH   SOLE   0 0 2,360
NVR INC COM 62944T105 758 311 SH   SOLE   0 0 311
VANGUARD BD INDEX FD INC COM 921937835 729 9,201 SH   SOLE   0 0 9,201
VANGUARD WORLD FDS COM 92204A306 699 9,069 SH   SOLE   0 0 9,069
SPDR SERIES TRUST COM 78464A201 681 12,630 SH   SOLE   0 0 12,630
ISHARES TR COM 464288448 678 23,605 SH   SOLE   0 0 23,605
ISHARES TR COM 464287655 671 5,014 SH   SOLE   0 0 5,014
WISDOMTREE TR COM 97717W604 636 25,945 SH   SOLE   0 0 25,945
ISHARES TR COM 464288885 635 9,191 SH   SOLE   0 0 9,191
CSX CORP COM 126408103 618 9,950 SH   SOLE   0 0 9,950
ISHARES TR COM 464288513 616 7,592 SH   SOLE   0 0 7,592
MCDONALDS CORP COM 580135101 613 3,451 SH   SOLE   0 0 3,451
VANGUARD WORLD FDS COM 92204A504 613 3,819 SH   SOLE   0 0 3,819
ISHARES INC COM 464286533 574 10,275 SH   SOLE   0 0 10,275
ABBVIE INC COM 00287Y109 565 6,125 SH   SOLE   0 0 6,125
ISHARES TR COM 464287242 564 4,996 SH   SOLE   0 0 4,996
VANECK VECTORS ETF TR COM 92189H201 555 11,687 SH   SOLE   0 0 11,687
MARRIOTT INTL INC NEW COM 571903202 541 4,982 SH   SOLE   0 0 4,982
COMCAST CORP NEW COM 20030N101 540 15,872 SH   SOLE   0 0 15,872
VANGUARD INTL EQUITY INDEX F COM 922042858 529 13,896 SH   SOLE   0 0 13,896
MERCK & CO INC COM 58933Y105 498 6,518 SH   SOLE   0 0 6,518
AT&T INC COM 00206R102 479 16,783 SH   SOLE   0 0 16,783
ISHARES TR COM 464287440 472 4,531 SH   SOLE   0 0 4,531
INVESCO EXCHANGE TRADED FD T COM 46137V613 445 4,381 SH   SOLE   0 0 4,381
WISDOMTREE TR COM 97717X594 433 15,547 SH   SOLE   0 0 15,547
WHITE MTNS INS GROUP LTD COM G9618E107 433 505 SH   SOLE   0 0 505
INTEL CORP COM 458140100 428 9,129 SH   SOLE   0 0 9,129
ISHARES TR COM 464288588 424 4,056 SH   SOLE   0 0 4,056
AMAZON COM INC COM 023135106 415 276 SH   SOLE   0 0 276
COOPER COS INC COM 216648402 410 1,612 SH   SOLE   0 0 1,612
SCHWAB STRATEGIC TR COM 808524706 406 17,256 SH   SOLE   0 0 17,256
AUTOMATIC DATA PROCESSING IN COM 053015103 392 2,990 SH   SOLE   0 0 2,990
NATIONAL BK HLDGS CORP COM 633707104 389 12,596 SH   SOLE   0 0 12,596
ABBOTT LABS COM 002824100 368 5,088 SH   SOLE   0 0 5,088
HONEYWELL INTL INC COM 438516106 341 2,582 SH   SOLE   0 0 2,582
NETFLIX INC COM 64110L106 337 1,258 SH   SOLE   0 0 1,258
VANGUARD WORLD FDS COM 92204A603 333 2,767 SH   SOLE   0 0 2,767
HOME DEPOT INC COM 437076102 276 1,606 SH   SOLE   0 0 1,606
SSGA ACTIVE ETF TR COM 78467V848 262 5,521 SH   SOLE   0 0 5,521
ISHARES INC COM 46434G103 260 5,514 SH   SOLE   0 0 5,514
NUVEEN MARYLAND QLT MUN INC COM 67061Q107 256 21,876 SH   SOLE   0 0 21,876
INVESCO EXCHANGE TRADED FD T COM 46137V357 250 2,730 SH   SOLE   0 0 2,730
VANECK VECTORS ETF TR COM 92189H409 235 3,850 SH   SOLE   0 0 3,850
S & T BANCORP INC COM 783859101 234 6,181 SH   SOLE   0 0 6,181
SELECT SECTOR SPDR TR COM 81369Y605 214 8,970 SH   SOLE   0 0 8,970
V F CORP COM 918204108 205 2,876 SH   SOLE   0 0 2,876
SPDR SERIES TRUST COM 78464A300 204 3,792 SH   SOLE   0 0 3,792
BLACKROCK MD MUNICIPAL BOND COM 09249L105 188 14,427 SH   SOLE   0 0 14,427