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 114,146 457,482 SH   SOLE   0 0 457,482
ISHARES TR COM 46432F842 44,962 709,519 SH   SOLE   0 0 709,519
ISHARES TR COM 464287499 34,401 162,161 SH   SOLE   0 0 162,161
ISHARES TR COM 464287465 18,185 271,547 SH   SOLE   0 0 271,547
ISHARES TR COM 46434VAQ3 16,361 653,399 SH   SOLE   0 0 653,399
ISHARES TR COM 46434VAU4 10,316 416,306 SH   SOLE   0 0 416,306
ISHARES TR COM 46434VBK5 10,064 412,965 SH   SOLE   0 0 412,965
ISHARES TR COM 46434VAA8 8,796 350,007 SH   SOLE   0 0 350,007
PIMCO ETF TR COM 72201R775 7,372 71,543 SH   SOLE   0 0 71,543
VANGUARD INDEX FDS COM 922908652 5,963 50,621 SH   SOLE   0 0 50,621
ISHARES TR COM 464287226 4,875 45,850 SH   SOLE   0 0 45,850
ISHARES TR COM 46429B697 4,594 86,425 SH   SOLE   0 0 86,425
ISHARES TR COM 464287200 4,330 15,859 SH   SOLE   0 0 15,859
ISHARES TR COM 46429B689 3,392 47,677 SH   SOLE   0 0 47,677
AMGEN INC COM 031162100 2,999 16,246 SH   SOLE   0 0 16,246
MICROSOFT CORP COM 594918104 2,789 28,284 SH   SOLE   0 0 28,284
APPLE INC COM 037833100 2,687 14,516 SH   SOLE   0 0 14,516
PNC FINL SVCS GROUP INC COM 693475105 2,534 18,756 SH   SOLE   0 0 18,756
JOHNSON & JOHNSON COM 478160104 2,449 20,185 SH   SOLE   0 0 20,185
WISDOMTREE TR COM 97717W505 2,428 67,824 SH   SOLE   0 0 67,824
EXXON MOBIL CORP COM 30231G102 2,201 26,603 SH   SOLE   0 0 26,603
VISA INC COM 92826C839 2,161 16,314 SH   SOLE   0 0 16,314
BERKSHIRE HATHAWAY INC DEL COM 084670702 2,082 11,154 SH   SOLE   0 0 11,154
JPMORGAN CHASE & CO COM 46625H100 2,022 19,403 SH   SOLE   0 0 19,403
ALPHABET INC COM 02079K305 2,002 1,773 SH   SOLE   0 0 1,773
VERIZON COMMUNICATIONS INC COM 92343V104 1,952 38,807 SH   SOLE   0 0 38,807
MOTOROLA SOLUTIONS INC COM 620076307 1,906 16,381 SH   SOLE   0 0 16,381
CISCO SYS INC COM 17275R102 1,906 44,299 SH   SOLE   0 0 44,299
PFIZER INC COM 717081103 1,900 52,370 SH   SOLE   0 0 52,370
ISHARES TR COM 464288414 1,814 16,634 SH   SOLE   0 0 16,634
SPDR S&P 500 ETF TR COM 78462F103 1,697 6,257 SH   SOLE   0 0 6,257
BECTON DICKINSON & CO COM 075887109 1,675 6,993 SH   SOLE   0 0 6,993
WALMART INC COM 931142103 1,670 19,499 SH   SOLE   0 0 19,499
UNITEDHEALTH GROUP INC COM 91324P102 1,657 6,754 SH   SOLE   0 0 6,754
OCCIDENTAL PETE CORP DEL COM 674599105 1,606 19,195 SH   SOLE   0 0 19,195
L3 TECHNOLOGIES INC COM 502413107 1,547 8,046 SH   SOLE   0 0 8,046
PEPSICO INC COM 713448108 1,531 14,063 SH   SOLE   0 0 14,063
AMERICAN TOWER CORP NEW COM 03027X100 1,506 10,444 SH   SOLE   0 0 10,444
DIAGEO P L C SPONSORED ADR 25243Q205 1,489 10,343 SH   SOLE   0 0 10,343
PROCTER AND GAMBLE CO COM 742718109 1,471 18,848 SH   SOLE   0 0 18,848
INTERNATIONAL BUSINESS MACHS COM 459200101 1,467 10,504 SH   SOLE   0 0 10,504
HASBRO INC COM 418056107 1,458 15,797 SH   SOLE   0 0 15,797
QUALCOMM INC COM 747525103 1,437 25,605 SH   SOLE   0 0 25,605
VANGUARD INDEX FDS COM 922908629 1,421 9,014 SH   SOLE   0 0 9,014
WELLS FARGO CO NEW COM 949746101 1,414 25,506 SH   SOLE   0 0 25,506
MASCO CORP COM 574599106 1,413 37,760 SH   SOLE   0 0 37,760
V F CORP COM 918204108 1,355 16,621 SH   SOLE   0 0 16,621
VANGUARD WHITEHALL FDS INC COM 921946406 1,342 16,158 SH   SOLE   0 0 16,158
PPL CORP COM 69351T106 1,336 46,783 SH   SOLE   0 0 46,783
FRESENIUS MED CARE AG&CO KGA SPONSORED ADR 358029106 1,335 26,524 SH   SOLE   0 0 26,524
STARBUCKS CORP COM 855244109 1,306 26,740 SH   SOLE   0 0 26,740
BALL CORP COM 058498106 1,269 35,701 SH   SOLE   0 0 35,701
PARKER HANNIFIN CORP COM 701094104 1,261 8,092 SH   SOLE   0 0 8,092
CBS CORP NEW COM 124857202 1,231 21,896 SH   SOLE   0 0 21,896
GILEAD SCIENCES INC COM 375558103 1,217 17,183 SH   SOLE   0 0 17,183
HILTON WORLDWIDE HLDGS INC COM 43300A203 1,202 15,184 SH   SOLE   0 0 15,184
VANGUARD INTL EQUITY INDEX F COM 922042858 1,146 27,148 SH   SOLE   0 0 27,148
SCHLUMBERGER LTD COM 806857108 1,140 17,003 SH   SOLE   0 0 17,003
WORLDPAY INC COM 981558109 1,135 13,876 SH   SOLE   0 0 13,876
ISHARES TR COM 464287598 1,110 9,147 SH   SOLE   0 0 9,147
ISHARES TR COM 464288885 1,012 12,843 SH   SOLE   0 0 12,843
INVESCO LTD COM G491BT108 1,008 37,958 SH   SOLE   0 0 37,958
FACEBOOK INC COM 30303M102 987 5,079 SH   SOLE   0 0 5,079
NVR INC COM 62944T105 924 311 SH   SOLE   0 0 311
PPG INDS INC COM 693506107 839 8,090 SH   SOLE   0 0 8,090
BOEING CO COM 097023105 816 2,431 SH   SOLE   0 0 2,431
WISDOMTREE TR COM 97717W604 706 23,817 SH   SOLE   0 0 23,817
ISHARES TR COM 464287440 659 6,430 SH   SOLE   0 0 6,430
ISHARES TR COM 464288448 642 20,045 SH   SOLE   0 0 20,045
ISHARES TR COM 464287655 636 3,882 SH   SOLE   0 0 3,882
CSX CORP COM 126408103 635 9,950 SH   SOLE   0 0 9,950
MCDONALDS CORP COM 580135101 595 3,796 SH   SOLE   0 0 3,796
VANECK VECTORS ETF TR COM 92189F544 549 23,280 SH   SOLE   0 0 23,280
ABBVIE INC COM 00287Y109 524 5,657 SH   SOLE   0 0 5,657
ISHARES TR COM 464288158 514 4,893 SH   SOLE   0 0 4,893
AT&T INC COM 00206R102 505 15,717 SH   SOLE   0 0 15,717
NETFLIX INC COM 64110L106 498 1,273 SH   SOLE   0 0 1,273
NATIONAL BK HLDGS CORP COM 633707104 486 12,596 SH   SOLE   0 0 12,596
COMCAST CORP NEW COM 20030N101 479 14,601 SH   SOLE   0 0 14,601
SPDR SERIES TRUST COM 78464A847 464 13,295 SH   SOLE   0 0 13,295
WHITE MTNS INS GROUP LTD COM G9618E107 458 505 SH   SOLE   0 0 505
SCHWAB STRATEGIC TR COM 808524706 430 16,594 SH   SOLE   0 0 16,594
INTEL CORP COM 458140100 428 8,609 SH   SOLE   0 0 8,609
AMAZON COM INC COM 023135106 422 248 SH   SOLE   0 0 248
ISHARES TR COM 46429B747 395 3,964 SH   SOLE   0 0 3,964
MERCK & CO INC COM 58933Y105 386 6,353 SH   SOLE   0 0 6,353
COOPER COS INC COM 216648402 380 1,612 SH   SOLE   0 0 1,612
ISHARES INC COM 464286533 374 6,472 SH   SOLE   0 0 6,472
HONEYWELL INTL INC COM 438516106 366 2,538 SH   SOLE   0 0 2,538
SPDR SERIES TRUST COM 78464A649 355 12,724 SH   SOLE   0 0 12,724
ISHARES TR COM 46434VBA7 318 13,049 SH   SOLE   0 0 13,049
AUTOMATIC DATA PROCESSING IN COM 053015103 314 2,343 SH   SOLE   0 0 2,343
HOME DEPOT INC COM 437076102 309 1,584 SH   SOLE   0 0 1,584
UNITED STATES STL CORP NEW COM 912909108 302 8,694 SH   SOLE   0 0 8,694
VANECK VECTORS ETF TR COM 92189F361 285 9,064 SH   SOLE   0 0 9,064
ABBOTT LABS COM 002824100 284 4,654 SH   SOLE   0 0 4,654
VANGUARD INDEX FDS COM 922908769 278 1,980 SH   SOLE   0 0 1,980
S & T BANCORP INC COM 783859101 278 6,424 SH   SOLE   0 0 6,424
SCHWAB STRATEGIC TR COM 808524805 278 8,417 SH   SOLE   0 0 8,417
NUVEEN MARYLAND QLT MUN INC COM 67061Q107 267 22,027 SH   SOLE   0 0 22,027
INVESCO EXCHANGE TRADED FD T COM 46137V357 260 2,552 SH   SOLE   0 0 2,552
DISNEY WALT CO COM 254687106 258 2,463 SH   SOLE   0 0 2,463
SPDR SERIES TRUST COM 78464A300 251 3,754 SH   SOLE   0 0 3,754
SPDR INDEX SHS FDS COM 78463X509 230 6,510 SH   SOLE   0 0 6,510
CHEVRON CORP NEW COM 166764100 223 1,760 SH   SOLE   0 0 1,760
GENERAL ELECTRIC CO COM 369604103 218 16,036 SH   SOLE   0 0 16,036
ROCKWELL AUTOMATION INC COM 773903109 216 1,301 SH   SOLE   0 0 1,301
DISCOVER FINL SVCS COM 254709108 215 3,048 SH   SOLE   0 0 3,048
SSGA ACTIVE ETF TR COM 78467V848 206 4,332 SH   SOLE   0 0 4,332
BLACKROCK MD MUNICIPAL BOND COM 09249L105 193 14,427 SH   SOLE   0 0 14,427